Consumer Account Fee and Information Schedule
Consumer Account Fee and Information Schedule
What you need to know about your account
Effective April 29, 2016
Introduction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees
Table of contents
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Words with specific meanings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2
Banking services available to you . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Visit a banking location in person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Wells Fargo Phone BankSM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Bank By Mail . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Monthly fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4
Accounts statements and check image options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Checking accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Wells Fargo PMA? Package . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Preferred Checking Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Everyday Checking Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Wells Fargo Opportunity Checking? Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Wells Fargo Teen CheckingSM Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Wells Fargo Worldwide Military Banking Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Savings accounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Wells Fargo Way2Save? Savings Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25 Wells Fargo Opportunity SavingsSM Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Wells Fargo Platinum Savings Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Additional information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Savings account statements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 Regulation D savings account transaction limit and other limited activity . . . . . . . . . . . . 28 Time Accounts (CDs) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Fixed Rate Time Account (CD) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Step Rate CD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 Individual Retirement Accounts (IRAs) and Education Savings Accounts (ESAs) . . . 35 Fixed Rate IRA/ESA Time Account (CD) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 IRA/ESA Step Rate CD . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 36 Wells Fargo Way2Save? Retirement Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 Wells Fargo Retirement High Yield Savings Account . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 Service fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 42 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48
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Glossary
Introduction
What you can find in the booklet In the booklet, you will find information about your account requirements, features, benefits, and fees . By opening your account, you agree to pay the fees described in this booklet . When using your Wells Fargo accounts, you will pay fees for conducting specific transactions and for using specific services . Fees may vary based on the type of account you have, how you use your account, the state where the account was opened, or where a transaction is performed . In addition to listing potential fees for each account in the account information pages, the "Service fees" section lists other fees associated with services you may use . To help you avoid unexpected fees, this booklet explains when fees may be charged, and when possible, how to avoid the fee . If you have a question about a fee that this booklet does not answer, please contact a banker or call 1-800-TO-WELLS (1-800-869-3557) . Changes to your account, services, or fees We may change this booklet at any time . For example, we may add new terms and conditions, or delete or amend existing terms and conditions, including fees . If required by law, we will notify you if changes, additions, or deletions to your account, your fees, or your services occur .
1 Consumer Account Fee and Information Schedule ? Effective April 29, 2016
Introduction & Banking Services Monthly fees Checking Savings & CDs IRAs & ESAs Service fees
Introduction
Words used to refer to the account owner, Wells Fargo, and this booklet ? The account owner is referred to as "you," "your," or "yours." ? Wells Fargo is referred to as "the Bank," "we," "us," or "our." ? This booklet, the Consumer Account Fee and Information Schedule, is "Schedule ." ? The companion booklet, the Consumer Account Agreement, is "Agreement ." Words with specific meanings Certain words have specific meanings and are italicized throughout this booklet . These words and their meanings are in this section . Authorized signer A person you have authorized to use your account even if they have not signed your signature card or other documents . Available balance Your account's available balance is our most current record of the amount of money available for your use or withdrawal For more information, please see the section entitled "How do we determine your account's available balance?" in the booklet titled Consumer Account Agreement . Business day Every day is a business day except Saturday, Sunday, and federal holidays Card This term includes every type of debit card, check card, and ATM card we may issue . This term does not include any prepaid cards Item An item is an order, instruction, or authorization to withdraw or pay funds or money from an account . Examples include a check, draft, and an electronic transaction (including Auto mated Clearing House (ACH), an ATM withdrawal, and a purchase using a card to access an account) . An item also includes a purported order, instruction, or authorization to withdraw or pay funds or money from an account, unless otherwise prohibited by law or regulation . Overdraft An overdraft is a negative balance in your account .
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Glossary
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