Great for customers who want help managing their money, including teens and students
We've got your back
Clear Access Banking has no overdraft fees
Go checkless
Don't need checks? Checkless banking is an easy solution
Keep it simple
Tap to pay with a contactless debit card or your digital wallet
Make your own way
Designed for lower balances, this is a great first teen bank account or second chance banking opportunity
Clear Access Banking fees and details
$5 each fee period You can avoid the fee in just one way: |
No minimum daily balance required |
$25 minimum opening deposit |
Clear Access Banking has no overdraft fees Optional overdraft services are not available for Clear Access Banking accounts |
Quick view of account fees (PDF) |
Must be 13 or older (teens 13 - 16 years old need an adult co-owner) Teens 13 - 17 years old must open at a branch – see what you'll need |
Open now Make an appointment at a branch |
Parents – opening with a teen?
Remember, teens 13 - 17 years old must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.
Bank On certified
Clear Access BankingSM is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.
Do more with the Wells Fargo Mobile® app
Zelle®
Send and receive money in minutes
Mobile deposit
Skip the lines and deposit checks right from your smartphone
Digital wallet
Add debit and credit cards to your mobile device to tap and pay
Biometric authentication
Sign on to the mobile app with your fingerprint or face
Card control
Turn credit and debit cards on or off and track recurring payments
Plus all the features of a Wells Fargo checking account
Compare your checking account options
Compare bank accounts
Customize your banking experience
Wells Fargo credit cards – choose a credit card that fits your life
Way2Save® Savings – start saving money faster with a linked Wells Fargo savings account
Banking FAQs
Although we won't authorize transactions – such as ATM withdrawls, debit card purchases, or recurring debit card transactions – when you don't have enough money in your account to cover them when they are presented to us for authorization, certain transactions or account activity may result in a negative balance. For example, if you add a tip to a transaction after we've approved the transaction without the tip OR if we credit a deposit that is later returned unpaid, you may see a negative balance in your account. If this occurs, we won't assess an overdraft fee, but you need to repay the negative amount promptly.
You must be 18 years or older to open this account online.
17-year-olds can open this account without a parent. Teens 13 - 16 years old need an adult co-owner.
Teens 13 - 16 years old need an adult co-owner to open this account. Ages 13 - 17 must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.
Second chance bank accounts provide a great opportunity for customers unable to open standard accounts due to past credit or banking history.
See more Banking FAQs