Wells Fargo Everyday Checking

Everyday Checking is a consumer checking account from Wells Fargo. It pays no interest and, as of October 14, 2026, Wells Fargo's account fees summary lists a $15 monthly service fee. The $15 fee applies unless you meet one of the waiver tests below. The minimum daily balance route requires $1,500, so a small cushion may not be enough to clear it. There are five ways to get to $0 in a fee period: $500 or more in total qualifying electronic deposits, a $1,500 minimum daily balance, $5,000 or more in qualifying deposit balances or investment balances or both, a primary account owner aged 17 to 24, or a qualifying non-civilian military direct deposit through the Worldwide Military Banking program. The age based waiver needs no deposits or balance: if the primary owner is between 17 and 24, the fee is $0. Overdrafts cost $35 per item, with no more than three fees per business day, so $105 at worst. There is no fee on items of $10 or less, or when your ending daily and available balances are both overdrawn by $10 or less, and ATM and everyday debit card transactions are declined at no charge unless you enroll in Debit Card Overdraft Service ($35 per item). The Extra Day Grace Period waives the overdraft fees if your available balance is positive at 11:59 pm Eastern on the extra day. Early Pay Day makes eligible direct deposits available up to two business days early, automatically with direct deposit and not guaranteed. Out of network ATMs cost $3.00 per withdrawal in the US and $5.00 outside the US, plus the operator's fee. This account makes sense for a 17 to 24 year old who wants a branch bank for free, for military households with qualifying direct deposit, and for anyone whose paycheck comfortably clears $500 in electronic deposits. Skip it if you keep a small balance and have no qualifying deposits, because the fee adds up to $180 a year (12 months at $15) for an account that pays no interest.