Yes, you can upgrade your Wells Fargo checking account online in most cases
Wells Fargo lets you change your checking account type through their website or mobile app without visiting a branch. The process takes a few minutes, and the change usually takes effect when ready or within one business day. However, not every account type can be changed online — some moves require a phone call or branch visit — and switching may affect your monthly fees, interest rate, or account features.
The simplest way to start is to log into your Wells Fargo account online, go to your checking account details, and look for an option labeled "Change Account Type" or "Upgrade Account." If that option does not appear, you will need to call Wells Fargo at the number on the back of your debit card or visit a branch in person.
Key Takeaways
- You can change most Wells Fargo checking accounts online through the website or mobile app by finding the account settings or "Change Account Type" option.
- Some account types, particularly those with special features or restrictions, may require a phone call to 1-800-869-3557 or a visit to your local branch.
- Switching accounts may change your monthly fee (some accounts are free, others charge $10 to $15 per month), so check the fee schedule before you confirm the change.
- Your new account type usually becomes active when ready, though it may take up to one business day for all features and fees to reflect in your account.
What checking account types Wells Fargo offers
Wells Fargo has several checking account options, and the one you can switch to depends on what features matter to you. Wells Fargo Everyday Checking is the most basic option and has no monthly fee if you keep a minimum balance or set up direct deposit. Wells Fargo Preferred Checking costs money each month but includes benefits like higher ATM reimbursement and better interest rates on linked savings accounts.
There is also Wells Fargo Prime Checking, which is designed for customers who want premium features and are willing to pay a monthly fee. Some customers have older account types that are no longer offered to new customers but can still be kept or switched between if you already hold one. If you are not sure which account you currently have, log in and look at your account summary — it will show your account type and current monthly fee.
Steps to change your account online
Start by logging into Wells Fargo's website or opening the mobile app. Navigate to your checking account and look for a menu option — this is often labeled "Account Details," "Manage Account," or "Settings." Some versions of the app place this under a gear icon or three-line menu button in the top corner.
Once you are in your account settings, search for text that says "Change Account Type," "Upgrade Account," or "Switch Accounts." Click or tap that option. Wells Fargo will show you the account types you are allowed to switch to, along with the monthly fee for each one and what features come with it. Review the fees and features carefully, then select the account type you want and confirm the change. You should see a confirmation message right away, and your account type will update within one business day.
If you do not see a "Change Account Type" option in your account settings, it means your current account cannot be changed online. In that case, you will need to call Wells Fargo Customer Service at 1-800-869-3557 or visit a branch with your ID and debit card.
When you cannot change your account online
Some Wells Fargo checking accounts cannot be changed through the website or app. This usually happens if you have an older account type that is no longer offered, if your account has special restrictions, or if you are switching to a type that requires additional paperwork or verification. Student checking accounts and accounts with legal holds also typically require a branch visit or phone call to change.
If you call, have your account number and ID ready. The representative will walk you through the options and confirm which account type you can switch to. The change will be processed during the call or within one business day, depending on the account type. If you visit a branch, bring your ID and debit card, and a banker can make the change while you wait.
How fees and features change when you switch
Different Wells Fargo checking accounts have different monthly fees, minimum balance requirements, and perks. Before you confirm a change online, read the fee schedule for the new account type. Some accounts are free with direct deposit or a minimum balance; others charge $10 to $15 per month no matter what. If you switch to an account with a monthly fee and do not meet the waiver requirements, you will start being charged the next billing cycle.
You may also notice changes to ATM reimbursement (how much Wells Fargo refunds you if you use an out-of-network ATM), interest rates on linked savings accounts, or overdraft protection options. These changes take effect when your new account type becomes active. If you realize you made a mistake, you can usually switch back to your old account type within a short window — ask Wells Fargo about their policy when you make the change.
What happens to your money and account number
Changing your account type does not move your money or close your old account. Your balance stays exactly where it is, and your account number remains the same. This means any automatic payments, direct deposits, or transfers you have set up will continue to work without interruption. You do not need to update your employer, creditors, or other organizations.
The only thing that changes is the account type itself — the features, fees, and rules that explore to your account. If you had overdraft protection or linked accounts, those stay linked. If you had pending transactions, they will still go through. Your account history and statements remain unchanged.
Frequently Asked Questions
Will changing my account type affect my debit card?
No. Your debit card will continue to work exactly as it did before. You do not need a new card, and the number on your current card does not change. The card is tied to your account number, which stays the same when you switch account types.
Can I change my account type back if I change my mind?
Yes, in most cases. You can usually switch back to your previous account type online or by calling Wells Fargo. However, some older account types may no longer be available if Wells Fargo has discontinued them. Ask about the policy when you make your first change so you know whether you can reverse it.
How long does it take for the new account type to show up?
The change usually shows up when ready in your online account, but it may take up to one business day for all features and fees to fully reflect. If you are switching to an account with a monthly fee, that fee will appear on your next billing cycle, not right away.
What if I see an error or the change did not go through?
Log back into your account and check your account type in the account details section. If it still shows the old type, try the change again. If the problem continues, call Wells Fargo at 1-800-869-3557 and a representative can process the change over the phone or investigate what went wrong.
Do I need to visit a branch to change my account type?
Not usually. Most account changes can be done online or over the phone. You only need to visit a branch if the online option is not available for your account type, which Wells Fargo will tell you when you try to make the change.