A guide to your common checking account fees

Transcript

1 The information in this disclosure may not be entirely accessible to screen readers. Please call the Phone Bank at 1-800-TO-WELLS if you would like to obtain a free taped version. Page 1 of 3 Everyday Checking A guide to your common checking account fees At Wells Fargo we are committed to providing the information you need to help manage your account. We developed this summary to help you understand some of the most common fees that may apply to your checking account. For a complete listing of fees and more detailed account information, please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement. Monthly service fee Monthly service fee $10 Options to avoid the monthly $0 onthly service fee on your Everyday Checking account with one of the following during m service fee (minimum opening each fee period: ) deposit $25 $1,500 minimum daily balance, OR • Direct deposits totaling $500 or more, OR • SM Lin (Wells Fargo Campus Card ked to a Wells Fargo Campus ATM or Campus Debit Card • program benefits will take effect 45 days following the linkage of your Campus Card), OR Th e primary account owner is 17 through 24 years old (on the accountholder’s 25th birthday, • the account is automatically subject to the monthly service fee unless you meet one of the other options to avoid the monthly service fee), OR 10 or m ore posted debit card transactions (any combination of posted debit card purchases • or posted debit card payments of bills) from this checking account. - In cluded: Debit card purchases made using PIN, signature, online, phone or mobile wallet; one-time and recurring debit card payments. - N ot Included: Any transaction at an ATM (Wells Fargo or non-Wells Fargo); Automated Clearing House (ACH) transactions. ATM fees Cash withdrawal at Wells Fargo $0 ATMs Cash withdrawal at $2.50 per withdrawal non-Wells Fargo ATMs in Note: the U.S. SM Wells Fargo Campus Card program - receive up to four withdrawal transactions at no charge • 1 by Wells Fargo during each monthly fee period. Fees charged by non-Wells Fargo ATM owners/operators also apply (unless waived by your • account terms). Cash withdrawal at $5 per withdrawal non-Wells Fargo ATMs Note: Fees charged by non-Wells Fargo ATM owners/operators also apply (unless waived by outside of the U.S. your account terms). Overdraft services fees Overdraft and returned item $35 per item 2 (Non-Sufficient Funds/NSF) fee Note: SM program - receive a courtesy refund for one Overdraft or NSF Wells Fargo Campus Card • 1 during each calendar month. No more than three overdraft and/or returned item fees per business day • No overdraft fee on ATM and everyday (one-time) debit card transactions (transactions may • be declined) unless Debit Card Overdraft Service is added to your account. See the “Debit Card Overdraft Service” section for more information. No overdraft or returned item fees on items of $5 or less • No overdraft fees if both your ending daily account balance and available balance are • overdrawn by $5 or less and there are no items returned for non-sufficient funds after we have processed all of your transactions. No extended or continuous overdraft fee • SM Free Account Feature: Overdraft Rewind When a covering ACH direct deposit is received by 9:00 a.m., the bank will recalculate your available balance (less pending debits), reevaluate transactions from the previous business day, and may reverse overdraft or returned item (Non-Sufficient Funds/NSF) decisions and waive associated fees. 9:00 a.m. is local time where your account is located (which is noted on your monthly statement). Only direct deposits deposited electronically through the Automated Clearing House (ACH) qualify. Overdraft Protection transfers/advances and fees are not reversed with Overdraft Rewind. Go to wellsfargo.com/overdraft-rewind for more details.

2 Page 2 of 3 Everyday Checking (continued) Overdraft services fees Overdraft Protection Transfer per transfer from your linked savings account $12.50 or Advance Fee – when you Note: are enrolled we will transfer/ 1 SM Wells Fargo Campus Card program - Overdraft Protection Transfer fees will be waived • advance available funds Overdraft Protection transfers from a savings account count toward the Regulation D and • from your account(s) linked for Wells Fargo combined total limit of six transfers and withdrawals per monthly fee period. If the Overdraft Protection limit is exceeded, an excess activity fee for each transfer or withdrawal over the limit will be assessed. If the limit is exceeded on more than an occasional basis, your savings account could be converted to a checking account or closed. $12.50 per advance from an eligible linked line of credit account You may be able to use your credit card as Overdraft Protection. To learn more about the Overdraft Protection Advance Fee from a credit card, please see your Credit Card Agreement. Debit Card Overdraft Service Choose how Wells Fargo handles your ATM and everyday (one-time) debit card transactions when you don’t have enough money in your checking account (or in accounts linked for Overdraft Protection) at the time of the transaction. If you do not add Debit Card Overdraft Service: ATM and everyday (one-time) debit card transactions will be declined if there isn’t enough money in your checking account (or in accounts linked for Overdraft Protection), and there are no fees for declined transactions. If you add Debit Card Overdraft Service: ATM and everyday (one-time) debit card transactions may be approved into overdraft at the bank’s discretion and an overdraft fee may apply unless a covering transfer or deposit is made before the posted cutoff time on the same business day (subject to the bank’s funds availability policy). See “Overdraft services fees” for detail. How deposits and withdrawals are processed Transactions are generally posted each business day in this order: Posting order – the order your deposits and withdrawals are – deposits or incoming transfers received before the deposit cutoff time that day First • processed Second – your withdrawals/payments that have been previously authorized and cannot be • returned unpaid, such as debit card purchases and ATM withdrawals. Transactions generally are sorted by date and time the transaction was conducted or for some transactions the time assigned by our system; if date and time are the same, we post lowest to highest dollar amount. – checks and preauthorized automatic ACH payments (such as bills you pay by authorizing Third • a third party to withdraw funds directly from your account) by date and time received by the Bank, and if date and time are the same, we post from lowest to highest dollar amount Deposit availability – when your Cash deposits: same business day deposits will be made available Electronic direct deposits/incoming wire transfers: same business day Check deposits: Funds are generally available on the first business day after the day we receive your deposits. For check deposits made at a Wells Fargo location or ATM, up to $400 of the deposits may be available on the day of the deposits. If we place a hold on a check, the first $200 will be available on the next business day. The remaining balance will be available no later than the seventh business day after the day of your deposit. We will notify you of the hold and when the funds will be made available to you. Note: Deposits made before the posted cutoff time at a branch, Wells Fargo ATM, or through Mobile Banking will be processed that day. Deposits made after the cutoff time are treated as made on the next business day.

3 Page 3 of 3 Everyday Checking Other common fees Access to Wells Fargo Online ® $0 with Bill Pay Cashier’s check each $10 Cashed/Deposited returned per item – for items returned unpaid to Wells Fargo for any reason $12 item Check printing Varies Excess activity fee (applied to $15 per withdrawal or transfer – if you exceed the Regulation D and Wells Fargo combined total savings accounts) limit of six withdrawals and transfers from your savings account per monthly fee period (maximum three fees per monthly fee period) International debit card 3% of transaction amount purchase transaction fee Money Order (up to $1,000) each $5 Online bank statement $0 Online check image – image of $0 checks you’ve written Stop Payment $31 each Wire Transfer $15 f or incoming domestic for incoming international U.S./foreign currency $16 SM program - receive a courtesy refund for one incoming Wells Fargo Campus Card Note: 1 domestic/international wire transfer during each calendar month. $30 for outgoing domestic Dispute resolution If you have a dispute, we want to resolve it as quickly and easily as possible. First, discuss your dispute with a banker. If your banker is unable to resolve your dispute, you agree that either Wells Fargo or you can initiate arbitration. The arbitration process is further detailed in the “Resolving disputes through arbitration” section of the Deposit Account Agreement. If a claim is eligible to be resolved in small claims court, you may pursue the claim in small claims court. SM 1 W program benefits will take effect 45 days following the linkage of your Campus Card. Your Everyday Checking account ells Fargo Campus Card must be linked to an open, active Wells Fargo Campus Card to remain eligible and receive these additional fee benefits. Your fee benefits will end 60 days after your Everyday Checking account is no longer linked to an active Campus Card. In that event, the Bank’s standard terms and fees apply. Wells Fargo Campus ATM and Campus Debit Cards are available for students, faculty and staff of colleges and universities that participate in the SM Wells Fargo Campus Card program. Ask a banker for additional details about participating colleges and universities. 2 verdraft fee may apply whether the overdraft is by check, electronic payment, everyday debit card or ATM transaction (if applicable), or other Our o means. The payment of transactions into overdraft is discretionary and the Bank reserves the right not to pay. For example, the Bank typically does not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance. © 2019 Wells Fargo Bank, N.A. All rights reserved. Member FDIC. Effective 3/25/2019. NMLSR ID 399801 CNS2016ED (3/19)

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