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800-869-3557
420 Montgomery Street
San Francisco, CA 94104

Wells Fargo Bank is a publicly traded bank that operates as a subsidiary of Wells Fargo & Company, one of the largest financial holding companies in the world. The bank is one of the largest in the United States as measured by assets as well as deposits. With tens of millions of customers, thousands of retail branches and tens of thousands of ATMs, the bank’s presence is recognized in every state. It offers personal, small business, and commercial banking products and services, in addition to wealth management and investing advising.

On its personal banking side, Wells Fargo offers checking, savings, Money Market, Certificate of Deposit (CD) and IRA accounts, in addition to mortgage and consumer loans. One of its most popular checking account options comes with a debit card, as well as a monthly service fee unless minimum balance requirements are met. The bank pushes its student checking account in a combo package with its savings account to encourage saving, and Wells Fargo partners with colleges to provide students the ability to use its debit card for both on and off campus transactions. Savings account options come with minimal interest rates on basic savings, retirement savings, and even retirement savings accounts. Money Market accounts offered by the bank have a minimum daily balance requirement and come with very low interest rates. CDs are available in term lengths ranging from 3 to 58 months and a step up CD provides a way to increase the rate on a 24-month CD every 6 months for the life of the product.

A private bank is also available to provide customers wealth planning and trust solutions that are tailored to specific investor needs and goals. On its small business side, Wells Fargo offers loans and credit, business insurance, and merchant services like payment processing and tax help.

Wells Fargo Bank online banking is a secure banking platform on which customers can open and manage their accounts. The web-based system provides the ability to complete tasks like Bill Pay, money transfers, online brokerage, account activity viewing, direct deposit, and check image viewing. A mobile website (wf.com) provides an optimized Internet solution for customers to access their accounts from a web browser on any capable device. Mobile banking apps are also available and provide a more sophisticated way to bank on the run from various smartphone and tablet devices.

Wells Fargo Bank was originally established as the Crocker-Citizens National Bank in 1870, before transitioning to its current name in 1986. Since that time, the bank has rapidly acquired many financial institutions and divisions to become one of the largest companies in the world. Wells Fargo corporate headquarters are located in San Francisco, California, while Wells Fargo Bank is headquartered in Sioux Falls, South Dakota. The bank operates through thousands of branches located through the United States.

Related Posts

2.75% 2 Year CD - 4/26/2018

Just took down a 2 year 2.75% CD. Pretty good rate for now.

2- And 3-Year Brokered Cds - 2/12/2018

For those interested in possibly taking the plunge into brokered CDs, Wells Fargo has been offering some pretty good non-callable, new issue deals with 2- and 3-year maturities. Today on Fidelity, it's showing a 2.4% yield for 2-year CDs and a 2.6% yield for 3-year CDs. Interest is payable monthly which, as someone who pays my bills with current interest income, I like.

View all posts from:

11/20/14 - Wells Fargo Refusing To Honor Widow’s 30-Year-Old CD
11/14/14 - Wells Fargo To Sell $8.5B In Government-Backed Student Loans To Navient
11/3/14 - Wells Fargo Faces Whistleblower Lawsuit Over Wachovia's Banking Practices
10/30/14 - Wells Fargo Ordered To Pay $203 Million In Debit Card-Posting Scam
10/7/14 - Free Credit Score Promo Not A Big Deal When There Are Free Alternatives
9/23/14 - Wells Fargo Arm Fined $5 Million Over Broker’s Insider Trading
3/17/14 - Wells Fargo’s $100 Checking Account Bonus - May Be Targeted
2/14/14 - Wells Fargo Edges Back Into Subprime As U.S. Mortgage Market Thaws
12/22/13 - Well Fargo Accused Of Pressure-Cooker Sales, Costing Unwary Customers
12/9/13 - Wells Fargo Tests Google Glass App: 5 Things To Know For The Week
11/26/13 - Wells Fargo Tests New Checking Account In Three States
10/17/13 - Wells Fargo’s Checking Account Bonus - Limited Areas
10/17/13 - History of Wells Fargo Bonus Payouts
10/3/13 - Wells Fargo Fires Workers Accused Of Cheating On Sales Goals
9/19/13 - Wells Fargo Account Holders: Take Note
8/21/13 - Wells Fargo To Cut 2,300 Mortgage Jobs As Refinancing Slows
7/25/13 - Wells Fargo Becomes World's Most Valuable Bank
7/10/13 - Wells Fargo Refuses to Honor an Old Cashier’s Check
5/16/13 - Wells Fargo Ordered - Again - To Pay $203M In Overdraft Case
5/8/13 - Complications at Wells Fargo When a Bank Account Lacks a Beneficiary
4/16/13 - Wells Fargo Mini-Branches And The Shrinking Retail Footprint
3/26/13 - Wells Fargo Says Cyber Attack Disrupting Website
2/7/13 - Woman Loses Heirlooms In A Wells Fargo Safe Deposit Box
1/11/13 - Wells Fargo's Q4 Earnings Report - Insights For Depositors
12/19/12 - Problems At Wells Fargo Website May Indicate New Cyber Attack
10/26/12 - Wells Fargo Sending Out Refunds To Some Mortgage Customers -- In Step To Block Lawsuits
10/24/12 - Wells Fargo's Free Credit Score Promo & Other Free Credit Score Options
9/14/12 - A Binding Contract, But Not For Wells Fargo
8/29/12 - Wells Fargo Won’t Talk To Me Because I’m Not My Dead Mother
8/15/12 - Wells Fargo To Pay More Than $6.5 Million To Settle SEC Charges
8/14/12 - Electronic Receipts From Wells Fargo ATMs And Tellers
7/24/12 - Wells Fargo Rolling Out New Mobile Banking Services
7/3/12 - Wells Fargo Fee Disclosures: Bank Joins Chase, TD Bank With Shorter Forms
7/3/12 - Wells Fargo's Roll Out Of Checking Fees Hits D.C. Area
5/16/12 - Wells Fargo To End Free Checking In Carolinas
4/30/12 - Wells Fargo Won't Let Man Access His Safe Deposit Box, He Misses His Mother's Funeral
3/25/12 - How Do Big Banks Allocate Deposits In The Internet Era To Branches?
3/8/12 - Wells Fargo To Charge $7 Fee On More Checking Accounts
3/3/12 - Transactions On Closed Checking Account- Not Subject To Wells Fargo Only**
1/21/12 - Phoenix Woman Blames Wells Fargo For $5,200 Loss
1/17/12 - Wells Fargo Q4 Earnings Report & My Review For Future Deposit Rate Insights
12/22/11 - Correcting An ACH Transfer That Goes To The Wrong Account
12/7/11 - Wells Fargo Changes Consumer Agreement, Banning You From Suing Them
11/18/11 - Resolution on My Wells Fargo CD Beneficiary Problem
11/13/11 - My Problems with a Mega Bank Part 1 - Wells Fargo
11/12/11 - Wells Fargo Pushing Its New Way2Save Savings Account
10/31/11 - Wells Fargo Backs Off Plans On Debit Card Fees
10/20/11 - Wells Fargo Mails Customers The Wrong Bank Statements
10/19/11 - Wells Fargo Debit Fee Questioned As Bank Records Record Profit
9/15/11 - Harder To Avoid Checking Account Fees At Wells Fargo
9/9/11 - Higher Wire Transfer Fees at Wells Fargo and Citizens Bank - Wire Alternatives
8/16/11 - Wells Fargo To Begin Charging Debit Card Fees In Certain States
7/27/11 - Wells Fargo Target Of Justice Department Probe; Agency Alleges Discriminatory Lending
6/17/11 - Wells Fargo To Stop Making Reverse Mortgages
5/18/11 - Update On Wachovia-To-Wells Fargo Conversions
4/14/11 - Wells Fargo Is Testing Visa Smart Cards
3/28/11 - Wells Fargo Joins Chase In Cutting Back On Debit-Card Rewards Programs
2/28/11 - Wells Fargo Leads In The Hard Sell
2/9/11 - Nationwide Outage Hits Wells Fargo ATMs
10/25/10 - Wachovia To Wells Fargo Georgia Conversion
8/17/10 - Excessive Withdrawal Fees from Bank of America, Citi, Wells Fargo and Ally
6/24/10 - Foreign ATM Transactions At Wachovia And Wells Fargo
6/20/10 - TX & KS Wachovia Branches & Accounts Converting To Wells Fargo On July 24
3/9/10 - Wells Fargo $50 Checking Account Bonus in a Few States
2/1/10 - Wells Fargo's New ATMs That Allow Cash and Check Deposits without Envelopes
1/25/10 - Update on Wells Fargo's New Way2Save Program
10/12/09 - Details of Wells Fargo's New Way2Save Program - Big Changes from Wachovia's Way2Save
8/11/09 - 2.75% 32-Month CD at Wachovia on the East Coast and Other Wachovia/Wells Fargo Deals
2/3/09 - Wachovia Checking Account Bonuses, News, CDs and Other Deals
10/14/08 - $75 Checking Account Bonus at a Wachovia Branch in Dallas - Plus Recap on Wachovia News & Deals
9/3/08 - Update on Wells Fargo $50 Checking Account Bonus
8/18/08 - $50 Checking Account Bonus at Wells Fargo
7/16/08 - 5.25% 7-Month CD at Wells Fargo
6/26/08 - $75 Checking Account Bonus at a Wachovia Branch in Dallas - Plus Recap on Wachovia Deals
5/6/08 - Wachovia's Way2Save Savings Account Golf Promo - 16% for 3 Months
4/27/08 - Update on Wachovia's 4.75% 60-Month Featured CD
4/2/08 - $75 Checking Account Bonus at a Wachovia Branch in Washington DC
1/29/08 - 5.05% 5-Month CD Special at Wachovia in Some States
1/3/08 - $75 Checking Account Bonus at a Wachovia Branch in Texas Plus Reminder of Wachovia's Nationwide $50 Bonus
11/4/07 - $50 Checking Account Bonus at Wells Fargo - No DD Requirements in Some States
10/16/07 - 5.41% 8-Month Featured CD at Wachovia
10/1/07 - 5.25% 12-Month CD Promotion at Wachovia
6/11/07 - Free Checking Account Promotion at Wachovia in Dallas
6/9/07 - $100 Checking Account Bonus at Wachovia in NY/MD/DC/VA
5/18/07 - Update on Wachovia Bank Promotions
3/28/07 - Update on Wachovia's 5% Money Market Account and Other Promotions
3/21/07 - 5.40% 7-Month CD at Wachovia Texas
2/14/07 - Wells Fargo's Free Online Trades
11/11/06 - 5.65% 12-Month CD at a California Bank (Western Financial)
6/11/06 - 5.25% 11-Month CD at Wachovia
5/17/06 - iPod Checking Account Bonus at Western Financial Bank
5/3/06 - 4.80% Money Market Account at Western Financial Bank
4/6/06 - Western Financial Bank's Money Market Now at 4.50%
3/12/06 - $25 Gift Card for Wells Fargo Checking or Savings Account
1/22/06 - 4.75% 12-Month CD at a Dallas Bank
10/20/05 - Wells Fargo $25 Checking/Savings Deal
9/13/05 - Wells Fargo Featured CDs

Reviews (315)

Good customer service

I was in a branch of this bank to open a checking account and the experience I had was very rewarding I was quickly attended and the attention was very personalized, they explained to me in detail the requirements I needed to open the account. I left very enthusiastic about the intitucion and recommended them to my friends and family

I can do everything I need!

I love my online banking! They have brick and mortar locations as well but I rarely go because I can do everything on the website and they also have an app as well that makes banking on the go easy. On the website and app I can deposit checks into my accounts, move money between accounts, pay bills, and so much more. I check my account everyday so it is nice to be able to do that on the website and on the app when on the go. I get checks every month for a job I do and it is nice to be able to do that at home from my phone and deposit into my bank account with out having to leave my couch. They also let you view all your statements from you phone or website and I do that so I can go paperless and not get paper copies because it makes me feel better.

The Days Of Brick And Mortar Are Numbered

I have had a 20 year history with Wells Fargo, nee Wachovia, nee World Savings. I will say I like how Wells Fargo is organized both at the teller window and also in online banking. I do like visiting our local branch, and all employees are pleasant people. I am glad to say I did not encounter any problems during the fake account scandals. That was probably due to good managers at our local branch who didn't get greedy. But they have been given a weak hand to play with from upper management. The savings rates are abysmal. I remember when I had 4 or 5 percent before the crash of 2008. .01 percent is just not competitive, and I am finding myself throwing more money into online institutions to get some more money for my money. I can understand they have a lot more overhead than the online guys, but some sort of rate hike would be nice. We've been stuck at .01 for nearly ten years? I will keep my Wells Fargo account for a small deposit amount, just to get cash occasionally. But the time of online banks has arrived. Brick and mortar I believe will be something of our history books, just like writing a check.

Great wells fargo experience.

I am a long time wells fargo banking user and am pleased to note that they are on the cutting edge of online banking. Usually I notice that they offer updates and improvements well before other banks have launched similar features. The online experience is always seamless and with out issue. They offer many features such as mobile check cashing, online bill pay, as well as being able to check your balance report at any time. Their customer service is always exemplary. Any time I have an issue or question the agent is always kind and helpful. They will always attempt to resolve issues immediately or within a short time frame. They also demonstrate excellent knowledge of the typical problems that a customer might contact them and as them for. I have never had trouble with my checking account, I typically do not use many of their other services, but they do regularly offer their services as I log onto my account so if there was ever a question or a need that arises I would know what direction to follow.
I will say that over time my account has lost some of the features that it used to have. But because they handle everything so effortlessly and It would require great effort on my part to change, I do not see me changing my banking method in the future.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #3511
Year Established1870
Employees236181
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD11.5%
Annual Interest Income$14.22B
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1,716.5B$1,749.2B
LoansQ1 2018vs Q1 2017$919.5B$920.2B
DepositsQ1 2018vs Q1 2017$1,357.7B$1,367.2B
Equity CapitalQ1 2018vs Q1 2017$163.9B$156.8B
Loan Loss AllowanceQ1 2018vs Q1 2017$9.94B$10.29B
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$8.22B$10.77B
Real Estate OwnedQ1 2018vs Q1 2017$564.0MM$845.0MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

2.75% 2 Year CD

heavyc73   |  
Just took down a 2 year 2.75% CD. Pretty good rate for now.

Rates
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Always verify rates and promotions with the bank or credit union. We are not Wells Fargo Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Wells Fargo Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$250k*-Platinum Savings - Special Interest Rate Bonus
OTHER TIERS: 0.06% Up to $25k | 0.37% $25k - $250k
0.37%*$25k*-Business Platinum Savings - Special Interest Rate
OTHER TIERS: 0.05% Up to $25k
0.35%*$250k*-Platinum Savings - Special Interest Rate
OTHER TIERS: 0.01% Up to $25k | 0.32% $25k - $250k
0.10%*$250k*-Platinum Savings - Standard Interest Rate Bonus
OTHER TIERS: 0.06% Up to $250k
0.06%*$25k*-Business Platinum Savings - Standard Interest Rate
OTHER TIERS: 0.05% Up to $25k
0.05%*$100k*-Wells Fargo Retirement High Yield Savings
OTHER TIERS: 0.03% Up to $100k
0.05%*$250k*-Platinum Savings - Standard Interest Rate
OTHER TIERS: 0.01% Up to $250k
0.03%--Wells Fargo Retirement Way2Save Savings
0.01%--Wells Fargo Way2Save Savings

Wells Fargo Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%--Business Market Rate Savings

Wells Fargo Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*$5k*-Portfolio by Wells Fargo
OTHER TIERS: 0.01% Up to $5k
0.01%$500-Wells Fargo Preferred Checking

Wells Fargo Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$5k-19 Month CD Special - Bonus
2.05%$5k-Business 19 Month CD Special
2.00%$5k-19 Month CD Special
1.35%$5k-Business 58 Month CD Special
1.35%$5k-Business 39 Month CD Special
1.35%$5k-39 Month CD Special - Bonus
1.35%$5k-58 Month CD Special - Bonus
1.30%$5k-58 Month CD Special
1.30%$5k-39 Month CD Special
0.93%$2.5k-24 Month Step Rate CD - Bonus
0.93%$1k-Business 24 Month Step Rate CD
0.88%$2.5k-24 Month Step Rate CD
0.80%$2.5k-Business 60 - 71 Month CD
0.80%$2.5k-Business 72 - 144 Month CD
0.60%$2.5k-Business 48 - 59 Month CD
0.55%$5k-Business 9 Month CD Special
0.55%$5k-9 Month CD Special - Bonus
0.50%$5k-9 Month CD Special
0.40%$2.5k-Business 36 - 47 Month CD
0.20%$2.5k-Business 24 - 35 Month CD
0.15%$2.5k-1 Year CD - Bonus
0.10%$2.5k-1 Year CD
0.10%$2.5k-Business 12 - 23 Month CD
0.10%$2.5k-3 Month CD - Bonus
0.10%$2.5k-6 Month CD - Bonus
0.05%$2.5k-3 Month CD
0.05%$2.5k-6 Month CD
0.05%$2.5k-Business 3 - 5 Month CD
0.05%$2.5k-Business 6 - 11 Month CD
0.01%$2.5k-Business 1 - 2 Month CD

Wells Fargo Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%$2.5k-19 Month IRA Special - Bonus
2.03%$2.5k-19 Month IRA Special
1.35%$2.5k-39 Month IRA Special - Bonus
1.35%$2.5k-58 Month IRA Special - Bonus
1.34%$2.5k-58 Month IRA Special
1.34%$2.5k-39 Month IRA Special
0.85%$1k-60 - 71 Month IRA - Bonus
0.85%$1k-72 - 144 Month IRA - Bonus
0.80%$1k-60 - 71 Month IRA
0.80%$1k-72 - 144 Month IRA
0.65%$1k-48 - 59 Month IRA - Bonus
0.60%$1k-48 - 59 Month IRA
0.55%$2.5k-9 Month IRA Special
0.55%$2.5k-9 Month IRA Special - Bonus
0.45%$1k-36 - 47 Month IRA - Bonus
0.40%$1k-36 - 47 Month IRA
0.25%$1k-24 - 35 Month IRA - Bonus
0.20%$1k-24 - 35 Month IRA
0.15%$1k-12 - 23 Month IRA - Bonus
0.10%$1k-12 - 23 Month IRA
0.10%$1k-3 - 5 Month IRA - Bonus
0.10%$1k-6 - 11 Month IRA - Bonus
0.06%$1k-1 - 2 Month IRA - Bonus
0.05%$1k-3 - 5 Month IRA
0.05%$1k-6 - 11 Month IRA
0.01%$1k-1 - 2 Month IRA
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