Yes, you can open a Wells Fargo checking account entirely online
Wells Fargo lets you open a checking account from your computer or phone without visiting a branch. The process takes about 10 minutes and requires a valid government ID, Social Security number, and an initial deposit method. You'll have a working account number and routing number the same day, though the account won't be fully active for transfers until Wells Fargo verifies your identity — usually within 24 hours.
The online process works the same whether you're a new customer or already have a Wells Fargo account. If you're opening your first account with the bank, you'll go through identity verification. If you already bank there, the process is faster because Wells Fargo already has your information on file.
Key Takeaways
- You can complete the entire account opening on Wells Fargo's website or mobile app without speaking to anyone or visiting a branch.
- The bank verifies your identity using information from your ID and Social Security number, and this verification usually finishes within 24 hours.
- You'll receive your account and routing numbers when ready after opening the account, even though full access to transfers may take a day.
- Wells Fargo requires an initial deposit, which you can make by linking an external bank account or using a debit card.
- The account type you choose — such as Wells Fargo Everyday Checking or Wells Fargo Premier Checking — determines monthly fees and minimum balance requirements.
What you need before you start
Have these items ready before you begin: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and a way to make an initial deposit. Wells Fargo accepts deposits from an external bank account or a debit card. If you're depositing from another bank account, you'll need the account and routing numbers from that bank.
You'll also need to choose which checking account type you want. Wells Fargo offers several versions — Everyday Checking, Premier Checking, and others — and each has different monthly fees and minimum balance rules. Review these before you open the account so you pick the one that fits your situation.
The steps to open an account online
Go to Wells Fargo's website or open the mobile app and select the option to open a new account. The bank will ask you to enter your personal information: name, address, date of birth, and Social Security number. You'll also choose a username and password for online banking.
Next, Wells Fargo will ask you to verify your identity. You'll provide information from your government ID — the bank uses this to confirm you are who you say you are. This step usually takes a few minutes. After verification, you'll choose your account type and set up your initial deposit. If you're linking an external bank account, you'll enter that account's routing and account numbers. If you're using a debit card, you'll enter the card details.
Once you submit everything, Wells Fargo generates your account number and routing number when ready. You can see these in the app or online right away. The account is open, but the bank may place a temporary hold on transfers while it completes a final identity check — this usually clears within 24 hours.
How long identity verification takes
Wells Fargo typically completes identity verification within 24 hours. During this time, your account is open and you have your account number, but you may not be able to send money out of the account or receive transfers into it. The bank is running a background check to confirm your identity matches the information you provided.
In some cases, Wells Fargo may ask you to verify additional information — for example, by answering security questions or uploading a photo of your ID. If this happens, you'll see a message in your online account or receive an email with instructions. Completing these extra steps usually takes a few minutes and speeds up the verification process.
If verification takes longer than 24 hours, contact Wells Fargo directly. The bank has a phone number in your account dashboard, or you can visit a branch with your ID to complete verification in person.
What happens after your account opens
Once your account is fully verified, you can use it like any other checking account. You'll receive a debit card in the mail within 7 to 10 business days. Until it arrives, you can use your account number to set up direct deposits or receive transfers from other banks. You can also use the Wells Fargo app to deposit checks by taking a photo.
Your initial deposit will be in the account, and you can withdraw it or spend it when ready once verification is complete. If you linked an external bank account for the deposit, the transfer may take one to two business days to show up, depending on the other bank.
Monthly fees and minimum balance requirements
Wells Fargo checking accounts have monthly maintenance fees that vary by account type. Everyday Checking has a monthly fee, but Wells Fargo waives it if you maintain a minimum balance or set up a direct deposit. Premier Checking has a higher monthly fee and higher minimum balance requirement. Some accounts have no monthly fee if you meet certain conditions.
Before you open the account, check the current fee structure on Wells Fargo's website. The bank updates these terms occasionally, and the fee for the account you choose depends on which version of that account is available when you open it. If you don't meet the minimum balance or direct deposit requirement, you'll be charged the monthly fee.
If you run into problems during opening
The most common issue is identity verification failing. This usually happens because the information you entered doesn't match what's in the bank's system or government records. If this occurs, Wells Fargo will ask you to verify additional information or visit a branch in person with your ID.
Another issue is the initial deposit being declined. This can happen if the external bank account or debit card you're using has a problem. Try using a different payment method, or contact your bank to confirm the account or card is active and has sufficient funds.
If the website or app isn't working, try a different browser or clear your browser's cache and cookies. If the problem persists, call Wells Fargo's customer service number — it's available on the bank's website — and ask for help opening the account over the phone.
Frequently Asked Questions
Can I open a Wells Fargo checking account if I don't have a Social Security number?
No. Wells Fargo requires a Social Security number to open any account. If you have an Individual Taxpayer Identification Number (ITIN) instead, contact Wells Fargo directly to ask about your options — some branches may be able to help, but the online process will not work.
Do I have to make a deposit when I open the account?
Yes. Wells Fargo requires an initial deposit to open a checking account online. The minimum amount varies by account type, but it's typically $25 or less. You can deposit this amount from an external bank account or debit card during the opening process.
When will I receive my debit card?
Wells Fargo mails debit cards within 7 to 10 business days of account opening. You don't need the card to use your account — you can set up direct deposits and receive transfers using your account number before the card arrives. You can also use the mobile app to deposit checks.
Can I open multiple checking accounts at Wells Fargo online?
Yes. Once you have one account open, you can open additional accounts through the Wells Fargo app or website. Each account will have its own account number and routing number, and you can manage all of them from one login.
What if Wells Fargo denies my account opening?
Wells Fargo may deny an account if identity verification fails, if you have a history with ChexSystems (a banking record system) that flags you, or if you have an outstanding debt to another bank. If your account is denied, contact Wells Fargo to ask why and what you can do next. Some issues can be resolved by visiting a branch in person.