How to Open a Wells Fargo Account in Person

What to bring to your Wells Fargo appointment

Wells Fargo requires two forms of government-issued ID to open an account in a branch. One must be a photo ID — a driver's license, passport, or state ID card. The second can be another photo ID or a non-photo document like a Social Security card or birth certificate. Bring the originals, not copies.

You will also need proof of your current address. A utility bill, lease, mortgage statement, or bank statement dated within the last 60 days works. If you don't have one of these, a government document with your address — such as a tax return or voter registration card — is acceptable. Wells Fargo will not accept a PO box as a residential address.

Bring a small amount of money to fund the account. The minimum opening deposit varies by account type: checking accounts typically require $25, while savings accounts may require $100. Some accounts have no minimum. Ask the banker which account type suits you before you arrive, so you know what to bring.

Key Takeaways

• You need two forms of government-issued ID, with at least one being a photo ID, plus proof of your current address dated within 60 days.
• Bring a small opening deposit — usually $25 to $100 depending on the account type you choose.
• The appointment typically takes 20 to 30 minutes, and you will receive your debit card and account number the same day.
• If you are under 18, a parent or guardian must be present and will need to bring their own ID and proof of address.
• You can schedule an appointment online through Wells Fargo's website or by calling your local branch directly.

How to schedule your appointment

Go to wellsfargo.com and select "Schedule an Appointment" from the homepage. Enter your zip code to find branches near you, then choose the location and date that work for you. Select "Open an Account" as the reason for your visit. Wells Fargo usually shows available time slots within the next two weeks.

If you prefer to call, find your local branch number on the Wells Fargo website and ask to schedule an appointment. The banker can tell you what documents to bring and answer questions about account types before you come in. Calling is faster if you have specific questions about which account fits your needs.

You can also walk into any Wells Fargo branch without an appointment, but wait times vary. Scheduling ahead means you will be seen at your reserved time rather than waiting in line.

What happens during the appointment

The banker will verify your identity using your documents, then ask you basic information: your full legal name, date of birth, Social Security number, and employment status. They will ask about your reason for opening the account — whether you need checking, savings, or both — and explain the features and fees of each option.

You will review and sign account opening documents. These include the deposit account agreement, which outlines the account terms, fees, and your rights. The banker will also ask whether you want online banking and a debit card. Most people set these up during the appointment.

Once everything is signed, the banker will process your opening deposit and provide your account number. Your debit card is usually issued on the spot, though it may take 7 to 10 business days to arrive by mail. You can begin using your account immediately, even before the physical card arrives.

Account types Wells Fargo offers

Everyday Checking is the standard checking account with no monthly maintenance fee if you maintain a $500 minimum balance or set up direct deposit. It includes online and mobile banking, bill pay, and a debit card.

Savings accounts earn interest on your balance. The rate changes based on market conditions. You can make up to six withdrawals per month without penalty, though Wells Fargo may charge a fee if you exceed this limit.

Money Market accounts combine features of checking and savings. They offer higher interest rates than savings accounts but typically require a larger opening deposit and minimum balance.

Ask the banker which account matches your spending and saving habits. Many people open both checking and savings at the same appointment.

Fees and monthly costs

Wells Fargo checking accounts have no monthly maintenance fee if you meet one of these conditions: maintain a $500 minimum daily balance, set up direct deposit, or maintain a linked savings account with a $300 minimum balance. If you don't meet any of these, the monthly fee is typically $10 to $12.

Savings accounts may have a monthly maintenance fee of $5 to $10 if you fall below the minimum balance, which varies by account type. The banker will explain the exact fees for the account you choose during your appointment.

You will not be charged for opening the account or for the debit card itself. ATM withdrawals at Wells Fargo machines are free. Withdrawals at other banks' ATMs may incur a fee, though Wells Fargo reimburses some out-of-network fees depending on your account type.

If you are under 18

A parent or legal guardian must be present at the appointment. They will need to bring their own government-issued photo ID and proof of address. The account will be a joint account in both your names, and the parent or guardian will have full access to it.

Some branches offer student checking accounts with lower fees and no minimum balance requirement. Ask the banker whether a student account is available when you schedule.

What to do if you cannot make your appointment

Log into your Wells Fargo appointment confirmation email and select "Reschedule" or "Cancel". You can also call your branch directly. If you cancel, you can schedule a new appointment at any time through the website or by phone.

If you miss your appointment without canceling, the slot is released and you will need to schedule again. There is no penalty for canceling or rescheduling.

Frequently Asked Questions

Can I open a Wells Fargo account online instead of in person?

Wells Fargo does not currently offer full account opening online. You must visit a branch in person to open a checking or savings account. However, you can complete some of the application online before your appointment to speed up the process.

How long does the appointment take?

Most account opening appointments take 20 to 30 minutes. If the branch is busy or you have questions about multiple account types, it may take longer. Scheduling an appointment rather than walking in usually means shorter wait times.

Do I need to open both checking and savings at the same time?

No. You can open just a checking account or just a savings account. Many people open both during one appointment for convenience, but it is not required. You can open a second account later.

What if I do not have proof of address?

Wells Fargo requires proof of your current residential address. If you do not have a utility bill or lease, bring a government document with your address, such as a tax return or voter registration card. Call your branch ahead of time if you are unsure whether your document will work.

Can I use my appointment to ask about other services?

Yes. The banker can discuss credit cards, loans, investment services, and other products during your appointment. However, opening an account is the main focus. If you have complex questions about other services, you may want to schedule a separate appointment with a financial advisor.