Wells Fargo Prime Checking

Do you want to know all the features, benefits and requirements of Wells Fargo Prime Checking? Alfredo Barandiarán analyzes Prime Checking for Economía Responsable and you can also see a comparison with the best bank accounts. Let’s start!


We begin the analysis by seeing all the features of Wells Fargo Prime Checking:


Without a doubt, commissions are one of the most important points of any bank account. This account has a fee of $25 per month unless you have more than $25,000 in your checking account or more than $250,000 in all accounts you have with Wells Fargo

Minimum deposit

It is not mandatory to have a minimum deposit but to open the account you will have to deposit 25 dollars.

Overdraft services

Prime Checking has a bank overdraft service but you should know that you will have to pay commissions each time you have overdrafts


You can use the Zelle service to send and receive money without having to pay commissions.


These are the minimum requirements you must meet to open a Prime Checking:

  • Must be 18 or older (19 in AL)
  • Live in the United States and be able to prove it
  • have social security number
  • Have an American phone number


This is the documentation that you will be asked to open the account:

  • Social Security number (or ITIN)
  • Valid ID (driver’s license, state ID, Matricula card)
  • $25 opening deposit online – it’s easy to transfer from another account (new customers: have a check handy)


Although we have already mentioned it before, you will have to pay $25 per month if you do not meet at least one of the following requirements:

  • Have more than $25.000 in the checking account
  • Have more than $250,000 in all Wells Fargo accounts


We have made a table with all the advantages of Wells Fargo Prime Checking:

  • You have access to CDs that offer an interest rate higher than 3%. You must hurry because this offer is temporary
  • Interest rate discounts on select new loans
  • No fee for incoming wire transfers
  • Easy to use and intuitive mobile app


Now we show you in the following list all the disadvantages:

  • Commission of 25 dollars per month if you do not meet the conditions
  • Very low interest rates on the checking account
  • Fees for withdrawals at non-Wells Fargo ATMs

How to open a Well Fargo Prime Checking

You can open this checking account in two different ways: online or in branches. Remember to have all the documentation ready to make the form faster.

Frequent questions

You can see here all the questions you ask us about Wells Fargo Prime Checking:

To finish the article, we leave you related content about bank accounts:

Updated the day 19 January, 2023 by Alfredo Barandiarán

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