Effective June 10th, 2026
Deposit Account Agreement
Important legal information and disclosures
Thank you for doing business with us
This Deposit Account Agreement applies to consumer and business accounts and, together with the following documents, is your contract with Wells Fargo and constitutes the “Agreement” that governs your account with Wells Fargo:
- The Consumer Account Fee and Information Schedule (“Consumer Schedule”) or the Business Account Fee and Information Schedule (“Business Schedule”),
- Our interest rate sheet for interest-bearing accounts,
- Our privacy notice, and
- Any additional disclosures, amendments, or addenda we provide to you.
In this Agreement, when we say “Wells Fargo,” “Bank,” “we,” “us,” and “our,” we are talking about Wells Fargo Bank, N.A. “You” and “your” means each account owner, authorized signer, or any other person authorized to operate your account. When we say “We may” or “Wells Fargo may” do something, that means you authorize us and agree to such action.
This Agreement is applicable to new and existing accounts and replaces all prior agreements regarding your account, including any verbal or written statements or representations. When you sign an account application or use your account, including any account service, you and anyone else identified as an owner or authorized signer on your account consent to the terms of this Agreement. We regularly update this Agreement. You are responsible for ensuring that any authorized signer is familiar with this Agreement. If you keep your account open after we change this Agreement or end a fee waiver, you agree to the changes.
This Agreement contains dispute resolution provisions — including an arbitration agreement, class action waiver, and jury trial waiver — that affect your legal rights. In arbitration, there may be less discovery and appellate review than in court. Please review these provisions carefully.
We recommend you keep a copy of this Agreement — and any changes we provide to this Agreement — for as long as your Wells Fargo accounts are open. You can get a copy of the current Agreement at wellsfargo.com, or by visiting your local branch, or by phone...
Class Action Waiver and Jury Trial Waiver
You and we each agree that any proceeding, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, collective, consolidated, private attorney general, or representative action...
(Continues with jurisdiction, table of contents covering Account Basics, Statements, Interest, Depositing Funds, Funds Availability, Overdrafts, Debit Cards, Electronic Transfers, etc.)
Account Basics
This section applies to consumer accounts only unless otherwise noted.
Forms of account ownership
You can open an account that you own alone, or with more than one person. If the account is owned with more than one person, it’s considered a joint account.
For joint accounts, we treat all owners... as joint tenants with right of survivorship...
Each co-owner has complete control over all of the funds...
Each joint owner is individually and jointly responsible for any overdraft...
Pay on Death (POD) account...
Accounts established for minors...
Ownership transfer...
When an owner does not sign account documentation...
Death or legal incapacity of an account owner...
Statements and Notices
We make available to you a statement of your account activity...
We don’t return your physical paid checks...
You can enroll in our check image service...
Well Fargo's new agreements page
This page records local acceptance metadata, for Well Fargo's use only.
