We charge no more than three overdraft fees per business day for Consumer accounts and four overdraft fees per business day for Business accounts. Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means).
No overdraft fees will be assessed if both your ending daily account balance and available balance are overdrawn by $5 or less after we have processed all of your transactions.
No overdraft fees will be assessed on items of $5 or less.
In this event, any such fees will also be reflected in account activity summaries located within online banking and your account statement. Note: If you convert to a Clear Access Banking account from an account that has checks and overdraft services available, any fees resulting from account activity made or authorized prior to conversion may post to the account after conversion. There are no overdraft fees for Clear Access Banking accounts.Debit Card Overdraft Service is not available for certain accounts, such as Wells Fargo Clear Access Banking SM accounts, Teen Checking SM accounts, IOLTA/RETA accounts, accounts for government entities, or savings accounts. You can add or remove the service at any time. Debit Card Overdraft Service is automatically added to eligible Business Accounts at account opening. If your account is not enrolled in Debit Card Overdraft Service and there is not enough available money in your checking account or accounts linked for Overdraft Protection, your ATM and everyday (one-time) debit card transactions will be declined, and there are no fees for declined transactions. Debit Card Overdraft Service: No overdraft fee will be assessed on ATM and everyday (one-time) debit card transactions unless your account is enrolled in Debit Card Overdraft Service.We limit the number of overdraft fees assessed per business day to no more than three for Consumer accounts (two for Wells Fargo Teen Checking) and four for Business accounts.$15 per item for Wells Fargo Teen Checking SM.We may assess an overdraft fee for any item we pay into overdraft. If the surety bond is not provided, the waiting period applies. Surety bonds are subject to the insurance carrier’s underwriting requirements before issuance. The cost of a surety bond varies depending on the amount of the bond and the insurer used. This can be purchased through Wells Fargo’s approved insurance carrier or through an insurance carrier of the customer’s choice. In addition, for cashier’s checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier’s check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York).The waiting period can be avoided with the purchase of an acceptable surety bond. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. A stop payment and reissuance can only be completed within a branch location. If the cashier’s check is lost, stolen, or destroyed, you may request a stop payment and reissuance. Outstanding Cashier’s checks are subject to state or territorial unclaimed property laws. Delivery of checks is limited to addresses within the United States. Please allow up to 3 business days for delivery to Alaska and Hawaii. Feeįor online orders of cashier’s checks to be delivered to an address in the U.S., there will be an $8 delivery charge in addition to the $10 Wells Fargo fee. Order a cashier’s check online or in-person at any Wells Fargo banking location.
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