What you need to open an account
Wells Fargo requires two pieces of identification and proof of your current address before you can open an account. You will also need an initial deposit — the amount depends on the type of account you choose, but some checking accounts require as little as $25.
The identification documents Wells Fargo accepts are a driver's license, state ID card, passport, or military ID. If you do not have a government-issued ID, you can use a combination of documents like a Social Security card and a birth certificate, though you will need to visit a branch in person to complete the process.
For proof of address, bring a recent utility bill, lease agreement, mortgage statement, or government document with your name and current address. The document should be dated within the last 60 days. If you do not have one, a bank statement or insurance document can work in some cases — ask the banker when you arrive.
Key Takeaways
- You need a government-issued ID, proof of your address, and an opening deposit to start an account at Wells Fargo.
- You can open most accounts online, by phone, or in person at a branch, and the process usually takes 10 to 15 minutes.
- Wells Fargo offers different account types with different fees and features — checking accounts, savings accounts, and money market accounts are the most common for people new to banking.
- If you do not have a Social Security number, you can still open an account using an Individual Taxpayer Identification Number (ITIN).
- Once your account is open, you can deposit money by visiting a branch, using an ATM, or setting up direct deposit from your employer.
Opening an account online
The fastest way to open a Wells Fargo account is through their website or mobile app. Go to wellsfargo.com, click "Open an Account," and choose the type of account you want. The site will ask you to enter your personal information, including your name, date of birth, Social Security number, and address.
You will need to take a photo of both sides of your ID and upload it through the app or website. Wells Fargo will verify your identity electronically, which usually takes a few minutes. Once verification is complete, you can make your opening deposit by linking an existing bank account or providing a debit card number.
After you submit everything, you should receive confirmation within a few hours. Your account number and routing number will appear in the app or on the website so you can start using the account right away. A debit card will arrive in the mail within 7 to 10 business days.
Opening an account in person at a branch
If you prefer to open your account face-to-face, visit any Wells Fargo branch during business hours. Bring your ID, proof of address, and your opening deposit. A banker will walk you through the process, answer your questions, and help you choose the right account type for your situation.
Opening an account in person takes about 15 to 20 minutes. The banker will enter your information into the system, verify your identity, and process your deposit. You can receive a temporary debit card on the spot or wait for one to arrive by mail.
If you do not have a government-issued ID or if your documents do not meet the standard requirements, opening in person is often the best option. The banker can review your specific situation and may be able to work with alternative documents.
Choosing the right account type
Wells Fargo offers several account types, and the one you choose depends on how you plan to use it. A checking account is designed for frequent deposits and withdrawals — you get a debit card and checks, and you can pay bills online. A savings account is meant for money you want to keep and grow; it earns a small amount of interest but has limits on how many times per month you can withdraw.
Wells Fargo also offers money market accounts, which combine features of checking and savings accounts and typically pay higher interest if you keep a larger balance. For someone opening their first account, a basic checking account is usually the right choice.
Pay attention to monthly fees. Some Wells Fargo accounts charge a monthly maintenance fee, though the fee is waived if you maintain a minimum balance or set up direct deposit. Ask the banker or check the account details online before you open to understand what fees explore to the account you choose.
What happens after you open your account
Once your account is open, you can start using it when ready through the Wells Fargo app or website. You can check your balance, transfer money between accounts, and pay bills online. Your debit card will arrive in the mail within 7 to 10 business days; when it arrives, you will need to set up it by calling the number on the back or using the app.
If you want to deposit cash or checks, you can visit any Wells Fargo branch or use an ATM. Wells Fargo has thousands of ATMs across the country, and you can deposit checks by taking a photo through the mobile app — the bank will credit the funds to your account within one or two business days.
If your employer offers direct deposit, you can set that up by giving your employer your account number and routing number. Direct deposit is the fastest way to get paid and is free. Your first paycheck should arrive on your regular pay date once your employer processes the change.
If you do not have a Social Security number
You can open a Wells Fargo account using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. An ITIN is a nine-digit number issued by the IRS to people who are not may be able to access for a Social Security number but need to file taxes or conduct financial business in the United States.
To open an account with an ITIN, you will need to visit a Wells Fargo branch in person. Bring your ITIN documentation, a government-issued ID, proof of address, and your opening deposit. The banker will verify your ITIN and complete the account opening process.
Some online account opening options may not accept an ITIN, so calling Wells Fargo customer service at 1-800-869-3557 before you visit a branch can save you time. They can confirm what documents you need and whether a branch near you can process an ITIN account.
Common reasons an account opening is delayed
Wells Fargo performs background checks on all new accounts as part of federal banking regulations. In most cases, this takes just a few minutes. However, if your name matches a name on a government watchlist or if there is a discrepancy in your information, the process may take longer — sometimes several days.
If your address cannot be verified or if your ID appears altered or expired, Wells Fargo may ask you to provide additional documents or visit a branch in person. Providing clear, current documents the first time speeds up the process.
If you have had accounts closed at other banks due to fraud or if you appear on ChexSystems (a banking history report), Wells Fargo may decline to open an account. You can request your ChexSystems report for free at chexsystems.com to see if there is a record that might affect your process.
Frequently Asked Questions
Can I open a Wells Fargo account if I have bad credit?
Yes. Wells Fargo does not check your credit score to open a checking or savings account. They do check ChexSystems, which is a banking history report, and they perform background checks for fraud. If you have never had banking problems, your credit score will not affect whether you can open an account.
What is the minimum opening deposit?
The minimum opening deposit varies by account type. Some Wells Fargo checking accounts require $25, while others require $100 or more. Savings accounts typically require $25. Check the specific account details online or ask a banker which account has the lowest opening deposit requirement.
How long does it take to open an account?
Online account opening usually takes 10 to 15 minutes, and you can start using your account the same day. In-person account opening at a branch takes 15 to 20 minutes. Verification can take a few hours to a few days depending on your documents.
Can I open an account without a Social Security number?
Yes, you can open an account using an ITIN if you are not may be able to access for a Social Security number. You will need to visit a Wells Fargo branch in person with your ITIN documentation, ID, proof of address, and opening deposit.
What if I do not have a government-issued ID?
You can visit a Wells Fargo branch and speak with a banker about alternative documents. Combinations of documents like a Social Security card, birth certificate, and utility bill may work. The banker can review your specific situation and tell you what will work.