Wells Fargo Banks With Safety Deposit Boxes – Written by Libby Wells Libby Wells Arrow Right Contributing Writer Libby Wells covers banking and deposit products. Has over 30 years of experience as a writer and editor for newspapers, magazines and online publications. Libby Wells
Edited by David Schepp David Schepp Arrow Right Wealth Editor Edited by David Schepp A wealth editor focusing on deposits and consumer banking content. Connect with David Shepp on Twitter David Shepp
Wells Fargo Banks With Safety Deposit Boxes
The company was founded in 1976 with the mission of helping people make smarter financial decisions. We’ve built on that reputation for more than four decades, demystifying the financial decision-making process and giving people confidence in what to do next.
Safety Deposit Box Rules
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Wells Fargo Checking Accounts
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Wells Fargo is the third largest American bank with assets of $1.78 trillion. It has a large physical footprint with more than 7,200 brick-and-mortar branches across the country and an extensive network of ATMs, as well as an array of online and mobile banking tools.
Wells Fargo offers a variety of checking accounts, from everyday checking to more premium services. The bank is insured by the Federal Deposit Insurance Corporation, so its checking accounts are safe places to store paychecks, Social Security benefits or other income.
Wells Fargo has three basic checking account options. Each account requires a minimum deposit and has a monthly fee, although the monthly fee is waived in certain circumstances;
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Note: Annual Percentage Yield (APY) displayed is valid as of February 16, 2022 and may vary by region.
Clear Access Banking is an unrestricted account. Checks (including third party personal checks) cannot be written on this account. Instead, payments and purchases are made with a contactless debit card or digital wallet.
Clear Access Banking is suitable for teenagers and university students as it has a low minimum account balance and automatically waives monthly service charges for people aged 13-24. Minors between the ages of 13 and 16 must have an adult co-owner on the account.
A Clear Access Banking Account is a second option for customers who do not qualify for a standard bank account due to poor banking or credit history. They have the option to transfer the account to another Wells Fargo checking account after 365 days.
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Minimum initial deposit is $25. With an account, customers have access to the Wells Fargo mobile app, chip debit card, budgeting, cash flow and spending tools, online bill pay and 24/7 customer service. Clients also have access to partner payment platform Zelle.
This account has no overdraft protection options. Instead, it refunds unpaid transactions if there are insufficient funds to cover the account. Wells Fargo does not charge an NSF fee, but payers or merchants may.
A Clear Access Banking account has a monthly maintenance fee of $5, unless the primary account holder is between the ages of 13-24.
There are several fees associated with this account unless the account holder uses a non-Wells Fargo ATM. Out-of-network ATM fees for transfers, withdrawals and balance inquiries in the US are $2.50 per transaction. There is a $5 fee for withdrawals outside the US.
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Wells Fargo Everyday Checking is Wells Fargo’s most popular account for everyday banking. It offers check writing, overdraft protection and 24/7 fraud monitoring, along with convenient features like the Wells Fargo mobile app to pay bills, deposit checks, send and receive money through Zelle, set up account alerts and more. . etc.
Everyday checking accounts, like Wells Fargo personal checking accounts, have liability protection for immediate reporting of unauthorized card transactions.
A daily checking account differs from Clear Access Banking in that it comes with checking and overdraft protection with linked reserve accounts. A minimum deposit of $25 is required to open an account.
A daily checking account has a $10 monthly maintenance fee, provided the primary account holder is between the ages of 17-24 or
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The Wells Fargo Portfolio is an interest-bearing, relationship-based checking account that comes with the highest level of Wells Fargo benefits and rewards. This account is meant for customers who want premium services and bonuses.
A minimum deposit of $25 is required to open an account. The Wells Fargo portfolio has an annual percentage return of 0.01 percent. APYs may vary by location.
The account has two tiers, one for eligible accounts up to $250,000 and one for accounts with $250,000 or more. The second tier comes with a few more benefits, notably more bank fee waivers.
This checking account charges a monthly maintenance fee of $25 if the account holder has closing balances of at least $20,000 in linked deposit accounts (Wells Fargo checking, savings, CDs, FDIC-insured IRAs) or open investment accounts. Wells Fargo Advisors, the bank’s brokerage arm.
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Portfolio clients are not charged for services such as cashier’s checks and money orders (up to $1,000). Certain fee waivers, such as cancellation fees and non-Wells Fargo ATM transactions, are limited if the account holder has a qualified closing balance of $250,000 or more.
Wells Fargo’s three main checking accounts each serve different types of customers, but they share some characteristics.
If you’re not sure if a Wells Fargo checking account is what you’re looking for, know that there are many other banks with similar or better offers.
For a high-yield checking account, consider one of the newer, smaller, online-only banks, also known as challenger banks, because they compete with larger, established banks. APY returns of 0.4 to 1 percent can be found in these digital banks.
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A credit union is another option as long as you meet the membership requirements. The list of best banks for checking accounts includes several credit unions.
Libby Wells covers banking and deposit products. Has over 30 years of experience as a writer and editor for newspapers, magazines and online publications.
Edited by David Shepp, edited by David Shepparrow. Right Wealth Editor David Schepp is a wealth editor focusing on deposits and consumer banking content. Connect with David Shepp on Twitter David Shepp
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