How to open a savings account on the Wells Fargo app
You can open a Wells Fargo savings account directly in the Wells Fargo mobile app without visiting a branch. The process takes about 10 minutes if you have your Social Security number, a valid ID, and a funding source ready. The app will walk you through each step and tell you when ready whether your account is open.
You'll need to be at least 18 years old and a U.S. resident with a valid Social Security number. If you already have a Wells Fargo checking account, the process is faster because the app already knows your identity. If you're opening your first Wells Fargo account, the app will verify your information against public records.
Key Takeaways
- read the Wells Fargo mobile app and sign in, or create a new online profile if you don't have one yet.
- Tap "Open an Account" or the plus icon in the Accounts section, then select "Savings Account" from the menu.
- Enter your personal information, choose your account type and initial deposit amount, then review the terms before confirming.
- Fund your new account when ready through a linked bank account, debit card, or wire transfer to set up it.
- Your account number appears in the app as soon as the account opens, and you can start using it right away.
What you need before you start
Gather these items before opening the app: your Social Security number, a government-issued photo ID (driver's license, passport, or state ID), and your date of birth. You'll also need a way to fund the account — either a debit card, another bank account you can transfer from, or the ability to receive a wire transfer.
If you're opening your first Wells Fargo account, the app will ask you to verify your identity. This usually happens through public records that Wells Fargo checks automatically. If the app cannot verify you this way, it may ask you to upload a photo of your ID or call a verification line — but this is uncommon and the app will tell you if it's needed.
Step-by-step: opening the account in the app
Step 1: Get into the app. read the Wells Fargo mobile app from your phone's app store if you don't have it. Sign in with your existing Wells Fargo username and password. If you don't have a Wells Fargo online profile yet, tap "Enroll" and create one using your email address and a password.
Step 2: Start a new account. Once you're signed in, look for a plus icon (+) or a button that says "Open an Account" — the exact location varies slightly by phone type, but it's usually near the top of your Accounts screen. Tap it and select "Savings Account" from the list of account types.
Step 3: Choose your savings account type. Wells Fargo offers different savings products with different interest rates and features. The app will show you the options available to you. Read the description of each one — they differ mainly in how much interest you earn and whether there are monthly fees. Select the one that fits your situation.
Step 4: Enter your information. The app will ask for your full name, date of birth, Social Security number, address, phone number, and email. Make sure everything matches your government ID exactly. If you already have a Wells Fargo account, much of this will be pre-filled.
Step 5: Choose your opening deposit. Decide how much money you want to put in the account right now. You can open with as little as $0 at most Wells Fargo branches, but some account types have a minimum opening deposit — the app will tell you what applies to the account you chose. You can always add more money later.
Step 6: Review and confirm. Read through the account terms and conditions. The app will show you the interest rate, any monthly fees, and the rules for the account. If everything looks right, tap the button to confirm and open the account.
Funding your new account
As soon as you confirm, the app will ask how you want to fund the account. You have three main options: transfer from another bank account you own, use a debit card, or arrange a wire transfer. The app will guide you through whichever method you choose.
If you transfer from another bank account, you'll enter that bank's routing number and your account number there. The transfer usually takes one to three business days. If you use a debit card, the charge appears when ready. A wire transfer is fastest — usually same-day — but you'll need to know your new Wells Fargo account number and routing number to give to whoever is sending the wire.
Your account is officially open as soon as you confirm the opening in the app, even if the funding hasn't arrived yet. You can see your account number and routing number in the app right away, and you can set up direct deposit or other transfers using that information while you wait for your opening deposit to clear.
What happens after you open the account
Once your account is open, you can see it in the app when ready. You'll receive a confirmation email from Wells Fargo. A physical debit card will arrive in the mail within 7 to 10 business days if you ordered one, though you can use the account for transfers and direct deposit before the card arrives.
You can start moving money into the account right away — set up direct deposit from your employer, transfer money from another account, or have someone send you a wire transfer. You can also transfer money out to another account whenever you need it. The app shows your balance and transaction history just like any other account.
Troubleshooting common problems
The app won't let me open an account. This usually means the app cannot verify your identity through public records. Try signing out and signing back in, or close the app completely and reopen it. If the problem continues, call Wells Fargo at the number on the back of any Wells Fargo card you have, or visit a Wells Fargo branch in person with your ID.
I started the process but didn't finish. The app saves your progress for a few hours. Sign back in and look for a button to resume or complete your process. If it's been more than a few hours, you may need to start over, but the information you entered won't be lost — the app will pre-fill it again.
My opening deposit hasn't arrived yet. Transfers from other banks take one to three business days. Debit card charges are when ready. If it's been longer than three business days and the money still hasn't shown up, contact Wells Fargo to check on the transfer status. Have your account number and the date you made the transfer ready when you call.
I need to add a debit card or set up direct deposit. Both of these are in the app under your account settings. Tap your new savings account, then look for options to order a card or set up direct deposit. You can also do this at any Wells Fargo branch or by calling customer service.
Frequently Asked Questions
Can I open a savings account if I don't have a Wells Fargo checking account?
Yes. The app will verify your identity using your Social Security number and public records. If you're opening your first Wells Fargo account, the verification may take a few extra minutes, but you can still open the account entirely in the app.
What's the difference between the savings account types Wells Fargo offers?
The main differences are the interest rate you earn and whether there are monthly fees. Some accounts require a higher opening deposit or minimum balance to avoid fees. The app shows you these details for each type before you choose, so you can compare them side by side.
Can I open a savings account for someone else, like a child?
No, you can only open an account for yourself through the app. To open an account for a minor or someone else, visit a Wells Fargo branch in person with that person and your ID.
Do I have to order a debit card when I open the account?
No. You can open the account without ordering a card. You can add a debit card later through the app or at a branch. A savings account works fine without a card — you can transfer money in and out using the app or by visiting a branch.
What if the app says my Social Security number doesn't match my name?
Double-check that you entered both exactly as they appear on your government ID. If they're correct and the app still rejects them, there may be a mismatch in the records Wells Fargo is checking against. Call Wells Fargo or visit a branch with your ID to open the account in person instead.