What you need before you start
Wells Fargo requires a government-issued photo ID, your Social Security number, and an initial deposit before your account opens. You can bring these to a branch in person, or you can start the process online and finish it by phone or in a branch within 30 days. The initial deposit amount depends on the account type — checking accounts typically require $25 to $100, though some accounts have no minimum.
Have your ID and Social Security number ready before you begin, whether you are opening an account online or walking into a branch. If you do not have a Social Security number, Wells Fargo offers accounts for non-citizens with an ITIN (Individual Taxpayer Identification Number), but you will need to open these in person at a branch.
Key Takeaways
- You need a government photo ID, Social Security number or ITIN, and an opening deposit to open any Wells Fargo account.
- Online account opening takes about 10 minutes but requires you to verify your identity by phone or in person within 30 days before the account becomes active.
- In-branch opening is faster — your account can be active the same day — but requires a visit during branch hours.
- Wells Fargo offers different account types with different fees and features, so choose based on whether you want overdraft protection, ATM access, or monthly maintenance fees.
- If you have a history of overdrafts or closed accounts, mention it to the banker; some accounts are designed for people rebuilding banking relationships.
Opening an account online
Go to wellsfargo.com and select "Open an account" from the homepage. You will answer questions about the account type you want, your personal information, and your initial deposit method. The online form takes about 10 minutes. At the end, Wells Fargo will give you a temporary account number.
Your account is not yet active. Within 30 days, you must verify your identity either by phone with a Wells Fargo representative or in person at a branch. When you call, have your ID ready. The representative will ask you to confirm information from your process and may ask security questions based on your credit history. Once verified, your account becomes active and you can use your debit card and online banking.
Opening an account in person at a branch
Bring your photo ID, Social Security number or ITIN, and your opening deposit to any Wells Fargo branch. A banker will walk you through the account options, help you choose the right type, and complete the paperwork. The whole process takes 15 to 30 minutes. Your account is active the same day, and you can order a debit card on the spot or have one mailed to you.
If you are unsure which account type fits your needs, ask the banker about the differences in fees and features. Wells Fargo offers standard checking, checking with overdraft protection, savings accounts, and money market accounts. The banker can also tell you about any current promotions or waived fees for new customers.
Account types and what they cost
| Account Type | Monthly Fee | Minimum Balance | Best For |
|---|---|---|---|
| Everyday Checking | $10 (waived if you maintain $500 balance or set up direct deposit) | $25 opening deposit | Regular checking with low cost |
| Premier Checking | $15 (waived with $1,500 balance or direct deposit) | $25 opening deposit | Higher balance holders; includes overdraft protection |
| Savings Account | $5 (waived with $500 balance) | $25 opening deposit | Saving money with interest |
| Money Market Account | $12 (waived with $2,500 balance) | $2,500 opening deposit | Higher interest rates for larger balances |
Monthly fees are waived if you meet one of the conditions listed — usually a minimum balance or direct deposit. If you do not meet the condition, the fee is charged on the last day of the month. You can avoid fees by setting up direct deposit from your employer, which also earns you a small bonus in some cases.
What happens after your account opens
Once your account is active, you can log into Wells Fargo's online banking portal or mobile app using your username and password. You can transfer money between accounts, pay bills, set up alerts, and check your balance anytime. Your debit card will arrive by mail within 7 to 10 business days if you ordered it during opening, or you can pick one up at a branch when ready if you opened in person.
Set up online banking security features right away: enable two-factor authentication, create a strong password, and consider setting up account alerts for large transactions or low balances. Wells Fargo also offers overdraft protection, which links your checking account to a savings account or credit line so that overdrafts are covered automatically — ask about this when you open your account, as it can prevent expensive overdraft fees.
If you have had banking problems before
If you have a history of overdrafts, closed accounts, or negative banking records, you may still open a Wells Fargo account, but you should know that Wells Fargo checks ChexSystems, a banking history database. If you are listed there, the banker will see it. Some people are denied accounts based on ChexSystems records, but Wells Fargo also offers second-chance accounts for people rebuilding their banking history.
Before you go to a branch, you can check your own ChexSystems report for free at chexsystems.com. If there are errors on your report, dispute them before you explore. When you open your account, mention your history to the banker and ask about accounts designed for people with past banking issues — these may have lower fees or different terms.
Frequently Asked Questions
Can I open a Wells Fargo account without going to a branch?
You can start online, but you must complete the identity verification step either by phone or in person within 30 days. You cannot fully open an account without speaking to someone at Wells Fargo or visiting a branch. If you want to avoid a branch visit, the phone verification option works, but you will need to be available when Wells Fargo calls.
How long does it take to get my debit card?
If you open in person at a branch, you can request a card on the spot and pick it up when ready or have it mailed in 7 to 10 business days. If you open online, your card is mailed after your account is verified, which takes another 7 to 10 days after verification. You can use your account number for online payments or transfers before your physical card arrives.
What if I do not have a Social Security number?
Wells Fargo accepts an ITIN (Individual Taxpayer Identification Number) instead of a Social Security number. You must open this account in person at a branch with your ITIN and a government-issued photo ID. Bring documentation of your ITIN, such as your IRS letter or tax return.
Do I have to pay a monthly fee?
Most Wells Fargo checking accounts charge a monthly fee, but it is waived if you meet one condition — usually maintaining a minimum balance or setting up direct deposit. If you do not meet the condition, the fee is charged monthly. Ask the banker which account type has the easiest fee waiver for your situation.
Can I open multiple accounts at once?
Yes. You can open a checking account and a savings account in the same visit or process. Many people do this to separate spending money from savings. The banker can help you set up both accounts with the same initial deposit or separate deposits.