What you need to open a Wells Fargo account
Wells Fargo requires you to bring a government-issued ID, proof of your current address, and your Social Security number or Individual Taxpayer Identification Number (ITIN) to any Wells Fargo branch. You can also open an account online through their website if you have a valid email address and phone number. The process takes about 15 minutes in person or 10 minutes online.
If you are opening an account online, Wells Fargo will ask you to verify your identity by answering security questions based on your credit history. If you cannot verify this way, you will need to visit a branch in person or call 1-800-869-3557 to complete the account opening over the phone with a representative.
Wells Fargo offers several account types: checking, savings, money market, and certificates of deposit (CDs). Most people start with a checking account, a savings account, or both. Each type has different features and fee structures, which you can review on their website before you decide.
Key Takeaways
- You can open a Wells Fargo account online, by phone, or in person at a branch, and you will need a government ID, proof of address, and your Social Security number or ITIN.
- Online account opening takes about 10 minutes and requires email and a phone number, but Wells Fargo may ask you to verify your identity through security questions.
- If you cannot verify your identity online, you can complete the process in person at a branch or by calling their customer service line.
- Wells Fargo offers checking, savings, money market, and CD accounts, each with different features and fees that you should review before opening.
Opening an account online
Go to wellsfargo.com and click "Open an Account" at the top of the page. Select the account type you want—checking, savings, or both. Enter your email address, create a password, and provide your name, date of birth, and Social Security number or ITIN.
Wells Fargo will then ask you to verify your identity by answering questions about your credit history, such as previous addresses or loan details. These questions pull from your credit file and are designed to confirm you are who you say you are. If you answer correctly, your account opens when ready and you can set up online banking right away.
If you cannot answer the security questions or if Wells Fargo cannot verify you this way, they will offer you the option to complete the process in person or by phone. You will receive an email with next steps and a reference number to use when you call or visit a branch.
Opening an account in person at a branch
Find your nearest Wells Fargo branch using their branch locator on wellsfargo.com. Bring your government-issued ID (driver's license, passport, or state ID), a document showing your current address (utility bill, lease, or bank statement dated within the last 60 days), and your Social Security number or ITIN written down.
A Wells Fargo representative will ask you which account type you want and review the features and fees with you. They will enter your information into their system, and your account will be open before you leave. You will receive a debit card in the mail within 7 to 10 business days, and you can start using your account for deposits and transfers when ready through online banking.
Opening an account by phone
Call Wells Fargo at 1-800-869-3557 and tell the representative you want to open a new account. Have your government ID, proof of address, and Social Security number or ITIN ready. The representative will walk you through the account type options and ask for your personal information.
The phone process takes about 15 to 20 minutes. Once your account is open, the representative will set up online banking access for you and send you a temporary password. Your debit card will arrive in the mail within 7 to 10 business days, and you can start using your account for transfers and bill pay right away through online banking.
Account types and what they cost
Wells Fargo's checking accounts include the Everyday Checking account and the Premier Checking account. Everyday Checking has a monthly maintenance fee that is waived if you maintain a minimum balance or set up direct deposit. Premier Checking has a higher minimum balance requirement but includes benefits like higher interest rates and fee waivers for certain services.
Savings accounts at Wells Fargo include the Savings account and the Premier Savings account. Both earn interest on your balance, though the rate varies. Savings accounts have a monthly maintenance fee that is waived if you maintain a minimum balance. You can also open a Money Market account, which combines features of checking and savings and typically requires a higher opening balance.
Wells Fargo also offers Certificates of Deposit (CDs), which lock your money away for a set period (3 months to 5 years) in exchange for a may provide interest rate. The longer the term, the higher the rate. You cannot withdraw money from a CD before the term ends without paying a penalty.
Review the current fees and minimum balances on wellsfargo.com before you open an account, because these change and vary by account type. Many people avoid monthly fees by setting up direct deposit or maintaining a minimum balance, so ask the representative which option works best for your situation.
What happens after you open your account
Once your account is open, you will receive a debit card in the mail within 7 to 10 business days. You can start using your account for deposits, transfers, and bill pay through online banking or the Wells Fargo mobile app before your debit card arrives. If you opened your account in person or by phone, the representative will give you a temporary access code for online banking.
Set up online banking by going to wellsfargo.com and clicking "Sign On." Use your username and password (or the temporary code if you opened by phone) to log in. From there you can transfer money between your accounts, pay bills, set up direct deposit, and monitor your balance.
If you want to deposit cash or checks, you can visit any Wells Fargo branch, use their ATMs, or deposit checks through the mobile app by taking a photo. Direct deposit is the fastest way to get money into your account—your employer or government agency can deposit your paycheck or benefits directly, usually within one or two business days of payday.
Frequently Asked Questions
Can I open a Wells Fargo account without a Social Security number?
Yes. If you do not have a Social Security number, you can use an Individual Taxpayer Identification Number (ITIN) instead. You will still need a government-issued ID and proof of your current address. Call 1-800-869-3557 or visit a branch to open your account, as the online process may not accept an ITIN.
What if I do not have a government-issued ID?
You will need to visit a branch in person. Bring any two forms of identification that show your name and date of birth, such as a passport, state ID, military ID, or tribal ID. A Wells Fargo representative can work with you to confirm your identity and open your account.
How long does it take to get my debit card?
Your debit card arrives in the mail within 7 to 10 business days. You can start using your account for transfers and bill pay through online banking or the mobile app before your card arrives. If you need a card faster, ask a branch representative about expedited card delivery options.
Can I open more than one account at Wells Fargo?
Yes. You can open multiple checking accounts, savings accounts, or both. Each account has its own number and fees. Many people open one checking account for daily spending and one savings account for money they want to set aside. You can manage all of them through one online banking login.
What if I already have a Wells Fargo account and want to open another one?
Log into your existing online banking account and look for "Open an Account" or "Add an Account" in the menu. You can open a new account without leaving your current one. If you cannot find this option, call 1-800-869-3557 or visit a branch and tell the representative you want to add another account to your name.