Wells FargoWells Fargo Everyday Checking
APY
0.01%
Min. to Open
$25
Monthly Fee
$10/month
Welcome Bonus
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Wells Fargo Everyday Checking
Wells Fargo Everyday Checking
Everyday checking with optional waiver. April 2026.
Our take
Good choice if you value in-person service and a large ATM network.
Highlights
What we like
Competitive for April 2026
FDIC insured (typical for US banks)
The trade-off
Confirm live rate and offer on issuer site
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Full details
Rate & Earnings
| APY | 0.01% |
| APY conditions | On qualifying balances |
Fees & Requirements
| Monthly fee | $10/month |
| Fee waiver | $500+ direct deposit or $500 minimum daily balance |
| Minimum to open | $25 |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
| Check writing | Check writing |
Frequently asked questions
What is the current APY on this account?
The current APY is 0.01%. On qualifying balances
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. Check writing is supported. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
How do I avoid the monthly fee?
The monthly fee of $10 can be waived if you $500+ direct deposit or $500 minimum daily balance.
Wells Fargo Everyday Checking