Documents and information Wells Fargo will ask for
To open a Wells Fargo checking or savings account, you need a government-issued photo ID, your Social Security number, and proof of your current address. Wells Fargo will also ask for your phone number and email address. That covers the basics for most people opening an account in person or online.
If you're opening an account online, you'll upload a photo of your ID rather than showing it in branch. The address proof can be a recent utility bill, lease, mortgage statement, or government document with your name and current address on it—it doesn't have to be brand new, but it should match the address you're providing to Wells Fargo.
Wells Fargo runs a background check through ChexSystems, a banking history database. This check looks at your past account closures, overdrafts, and fraud reports. If you've had problems with a bank account before, Wells Fargo may still open an account for you, but they may restrict it or require a larger opening deposit.
Key Takeaways
- You need a government photo ID, Social Security number, and proof of your current address to open any Wells Fargo account.
- Wells Fargo checks your banking history through ChexSystems, which may affect whether they open an account or what type they offer you.
- Opening an account online takes about 10 minutes if your ID and address documents are ready; in-branch takes longer but you can ask questions in real time.
- Wells Fargo requires a minimum opening deposit that varies by account type, ranging from $0 to $25 depending on the product.
- If you've been denied before or have a ChexSystems record, ask Wells Fargo directly about second-chance accounts or bring documentation of why the past issue occurred.
Minimum deposit amounts by account type
Wells Fargo does not require a minimum opening deposit for most checking accounts—you can open a Wells Fargo Everyday Checking account with $0 down. Savings accounts also typically have no minimum opening deposit. However, some specialty accounts, like Wells Fargo Platinum Checking, may require $25 or more to open, though this varies by branch and current promotions.
Once your account is open, Wells Fargo does charge monthly maintenance fees on most accounts unless you meet certain conditions. For checking accounts, you can waive the fee by setting up direct deposit, maintaining a minimum balance, or having a linked Wells Fargo credit card. Read the account terms before you open to understand what fee applies to the specific account you're choosing.
Opening an account online versus in a branch
Opening online is faster—usually 10 to 15 minutes if you have your documents ready. You'll need to photograph or scan your ID and address proof, enter your personal information, and choose your account type. Wells Fargo will verify your identity and typically fund the account the same day or within one business day.
Opening in a branch takes longer, usually 30 to 45 minutes, because a banker will walk through the account options with you, answer questions, and process everything on the spot. You hand over your physical ID and documents, and the banker verifies them in real time. If you're unsure which account type fits your needs or have questions about fees, opening in branch gives you that conversation before you commit.
Both routes require the same documents and information. The choice comes down to whether you want speed or the chance to talk through options with someone.
What happens if you have a ChexSystems record
ChexSystems is a database that banks use to check your account history. If you've had accounts closed for overdrafts, fraud, or unpaid fees, that information stays in ChexSystems for five years. Wells Fargo will see this record when you open an account.
Having a ChexSystems record does not automatically disqualify you from opening a Wells Fargo account. Some branches will open a standard account anyway. Others may offer a restricted account with lower transaction limits or require a larger opening deposit. A few may decline to open an account at all.
If you know you have a record, call your local Wells Fargo branch before you go in or explore online. Ask whether they have second-chance accounts or what their policy is for applicants with ChexSystems history. Bring documentation if you have it—for example, if the old account was closed because of a dispute that was later resolved, bring proof of that resolution.
Information you'll enter during signup
Beyond your ID and address, Wells Fargo will ask for your full legal name, date of birth, phone number, and email address. You'll also provide your Social Security number, which they use to verify your identity and check your credit (though opening a checking or savings account does not require a credit check—they use your Social Security number for identity verification only).
You'll choose a username and password for online banking. Wells Fargo will also ask whether you want to set up direct deposit, paperless statements, and other services. You can skip these during signup and add them later.
If you're opening a joint account, the other person will need to provide the same information. Wells Fargo will verify both account holders' identities before the account opens.
Opening an account if you don't have a Social Security number
Wells Fargo requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you don't have either, you cannot open a standard Wells Fargo account. Some banks and credit unions offer accounts to people without a Social Security number, but Wells Fargo's policy is firm on this requirement.
If you have an ITIN—which the IRS issues to people who file taxes but don't have a Social Security number—you can use that instead. Bring your ITIN documentation along with your other required documents.
What to bring or have ready before you start
| Item | Details |
|---|---|
| Government photo ID | Driver's license, passport, state ID, or military ID. Must be current and not expired. |
| Proof of address | Utility bill, lease, mortgage statement, or government document with your current address. Usually dated within the last 60 days. |
| Social Security number or ITIN | Have the number ready; you don't need the card itself. |
| Phone number and email | Current contact information for account notifications and online banking. |
| Opening deposit (optional) | Most accounts require $0 minimum, but bring a debit card or have a bank account ready if you want to fund it when ready. |
Frequently Asked Questions
Can I open a Wells Fargo account if I've been denied before?
Yes, you can try again. Denials are usually based on ChexSystems records or identity verification issues. Call the branch first to ask what their current policy is, or bring documentation explaining what happened the last time—for example, proof that a past overdraft was paid off or that a fraud dispute was resolved.
How long does it take for a Wells Fargo account to be fully active?
Online accounts are usually active the same day or within one business day. In-branch accounts are active when ready after you sign the paperwork. You can use your debit card and online banking right away, though some features like bill pay may have a short delay.
Do I need a minimum balance to keep my account open?
No minimum balance is required to keep most Wells Fargo accounts open. However, many accounts charge a monthly maintenance fee unless you meet certain conditions—like setting up direct deposit or maintaining a specific balance. Check your account terms to see what applies to your account type.
What if my address changes after I open the account?
You can update your address online through Wells Fargo's website or mobile app, by calling customer service, or by visiting a branch. Changes usually take effect within one to two business days.
Can someone else open an account on my behalf?
No. Wells Fargo requires the account holder to be present and verify their identity themselves. You cannot authorize someone else to open an account for you, even with power of attorney.