Wells Fargo Reviews

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About Wells Fargo

Wells Fargo (NMLS #399801), one of the biggest financial services companies in the country, provides home purchase and refinance loans in all 50 states. You can check rates online and then apply online, over the phone or in person with a local mortgage consultant. Loan options with Wells Fargo include conventional and government-backed loans, as well as jumbo loans and loans for new construction properties. As of the publishing date, Wells Fargo has temporarily suspended applications for home equity lines of credit (HELOCs).

Pros
  • Free online banking and mobile app
  • Free money transfers
  • Large selection of financial products
Cons
  • Low interest rates on savings accounts

Featured Reviews

Wauwatosa, WI
Verified purchase
Wells has always been responsive to questions and issues, both online and through my local bank. Their fraud department is first rate. When my credit card was compromised, they re...

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Rexburg, ID
Verified purchase
These guys are the best banking institution we have ever worked with. They protect your account fiercely and provide you the tools to manage your money wisely. Additionally they h...

Read more

What is Wells Fargo Bank?

Wells Fargo provides banking, investment and mortgage services as well as commercial and consumer financing at 7,600 locations in 32 countries and territories around the globe. Wells Fargo mobile banking gives customers the ability to link their checking, savings, credit card and investment accounts all in one place. Customers can also deposit checks from their phones with the Wells Fargo app.

Wells Fargo financial services

Wells Fargo offers multiple products and services, including checking, savings accounts, credit cards and loans.

Wells Fargo checking accounts
Wells Fargo has five different options for personal checking accounts — Everyday, Preferred, Portfolio, Teen and Opportunity. Businesses can select from Simple, Choice Platinum and Analyzed checking accounts. Most personal and business checking accounts require a $25 deposit to open.
Wells Fargo savings accounts and CDs
Wells Fargo offers two savings account options, Way2Save and Platinum Savings. Wells Fargo also offers CDs, which require at least a $2,500 minimum opening deposit. CDs are available at fixed rates and step rates.
Wells Fargo loans
Wells Fargo offers multiple loan types, including student loans, auto loans and mortgage loans to help you buy, refinance or renovate a home. The bank offers low-APR personal loans and lines of credit ranging from $3,000 to $100,000. Wells Fargo also provides loans and lines of credit for businesses.
Wells Fargo credit cards
Wells Fargo has several credit card options. Almost all Wells Fargo cards have a cash back or reward program, and a few have no annual fee.
Wells Fargo retirement services
Wells Fargo offers traditional and Roth IRAs. You can also invest in mutual funds and manage your portfolio yourself or with the help of a Wells Fargo investment professional. The WellsTrade Mutual Fund Screened Listed makes investing simple by pre-screening mutual funds. Wells Fargo Advisors, a full-service brokerage, is available to customers to help with investment planning. You can also invest directly online and automate your investing through the Wells Fargo Intuitive Investor.
Wells Fargo merchant services
Wells Fargo makes running a business easy with payment processing that allows you to accept card payments onsite, online or wherever you might be. Mobile payments are available for Apple Pay, Google Pay and Samsung Pay. Wells Fargo benefits for business owners also include Clover point-of-sale systems customized fit your business needs.

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Wells Fargo Reviews

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    How do I know I can trust these reviews about Wells Fargo?
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    Page 1 Reviews 0 - 6
    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 9, 2025

    Have never had an issue with Wells Fargo bank. Online banking, Zelle etc...I'm satisfied with my banking experience with Wells Fargo for the last 3 years. They protected my account when someone tried opening a different account in my name. I feel my money is safe and secure against fraud with Wells Fargo. Thanks, Wells Fargo for great customer service.

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    Staff

    Reviewed Oct. 4, 2025

    I see the other reviews and wow, I'm sorry that some many of you had problems with this bank. I am writing from Las Vegas, I live across the street from my bank I love it. When ever I come in, Cynthia the manager, always comes to me running, greets me by my name and is always helpful. I wanted to leave a review some where and say maybe not all branches are that bad. This is my daughter's account but I used her account to write this.

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      Staff

      Reviewed Sept. 2, 2025

      Well Fargo has worked out well for me. I do personal and business and they have done a good job. I have used them for over 30 years. Great business sector and professional people. I would recommend Wells Fargo.

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      Customer Service

      Reviewed July 3, 2025

      My experience with Wells Fargo for almost 11 years now have been amazing! I’ve noticed an uptick in spam emails claiming they are “Wells Fargo” and I feel like a lot of the reviews are geared towards that due to them falling for the schemes. Every time I’ve called the customer support number, they’ve done a wonderful job with helping me. 10/10!

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      Carol increased rating by 4 stars.
      Customer ServiceStaff
      After a positive interaction with Wells Fargo, Carol increased their star rating.

      Reviewed Oct. 28, 2025

      Have been a customer for many years and use online banking daily. The website kept telling me that my mobile phone was a landline and that I couldn't use it for Zelle. Although it accepted it to send money and it used it to text me notifications. I called CSA one and she said she would take care of it and that it would take 2 or 3 days to correct, Got an email that this broke my link with my Quicken so called back and got 2nd CSA and he said he couldn't do anything so I asked to be transferred to a CSA in the USA and he said sure and transferred me, while on the line with CSA three I got more emails breaking my account, I asked CSA3 if she was in the USA and she said no so I asked her if she could transfer me to a CSA in the USA and she said it would take a bit, would I hold, told her yes, then CSA4 came on the phone, told him about the phone number then the emails, 7 total during these calls, that kept breaking one thing after another.

      Now I can't access my bank account or my car loan, can't access online "Your Wells Fargo credentials are disabled" and the number listed is the number I called each time, so I asked CSA4 was he in the USA and he said yes in Texas. CSA4 said he couldn't help me, I would have to go into the bank on Monday, this happened on Saturday. I asked him if my debit card would still work and he said yes, just my online access was messed up. Monday I went to the local Wells Fargo Bank and we sat for a while, there were only 2 bankers and 2 tellers in a huge building. A woman came out I asked if she could fix my online access and she said no, I would have to make an appointment. She said go the tellers and tell them I need an appointment.

      The young lady told us that the next available appointment was Wednesday October 29, 2025 at 3:30 so we said ok. I went outside and visited the Wells Fargo website, as a guest, there were appointments available October 28 but the teller lied to us. Then I had to go to the Walgreens for a prescription and I was told that my debit card was denied so four phone techs and 2 bank employees conspired to not only lock me out of my account but locked my debit card as well putting my health in danger. I can't answer for other offices but Silver City, NM Wells Fargo just needs to close if they can't find polite, professional, helpful employees that don't do childish things.

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      Customer ServiceStaff

      Reviewed Oct. 28, 2025

      Wells Fargo is the worst bank on planet Earth. Never have I had such a bad taste in my mouth when dealing with a company. Online staff are rude and unhelpful. One even made fun of me for asking a legit question about how to work with online banking. I would rather eat a pile of shit than refer my friends to bank at Wells Fargo.

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      Punctuality & SpeedStaff

      Reviewed Oct. 27, 2025

      Wells Fargo can and should do a lot better. They know how to smile, say please and thank you quite fine. Also, they try hard to solicit your business (with me anyway). However, they frequently drop the ball with other services and communications. I have now wasted two 50 mile trips to pick up foreign currency before departing on a major overseas trip. The currency was not there as promised the first time. This morning - wow - the manager Lisa told me that she was trying to help “pry the vault open”. YIKES! This does NOT inspire confidence, and not calling us to tell us they can’t give us our money, again, on time as promised - does NOT inspire trust. A simple phone call or text or email to alert us would have sufficed. Instead, all I got was “it’s not my fault. I was scheduled to come in late.” I think WF can and should do better.

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      Customer Service

      Reviewed Oct. 24, 2025

      Customer service is the most worst possible. I've been calling for 2 months waiting for a refund that is up to $600.00 by now. The response is always the same: I have to wait 10 days. I reported this to whoever listened.

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      Customer ServiceOnline & AppStaff

      Reviewed Oct. 24, 2025

      Years ago, I set up my Wells Fargo Visa card to autopay the minimum balance. At the time, I was able to select this preference online. Now I went to change that to pay off the statement balance and was unable to do it after fiddling around their website for 30 minutes. I called them for support. They had me sit on hold while they transferred me to 3 different people. They sent me to online support, who immediately disconnected my call before helping me. I called back. They transferred me to another 3 people.

      The final person I spoke with sounded straight out of Idiocracy. He sounded like a cranky middle school boy. I asked him how to change my preferences to pay off my statement balance. He told me I would need to fax them a paper request or mail it to them. Like paperwork that needs to be sent through the post office. I clarified because I was stunned with disbelief and thought- surely he didn't just say what I think he said. Oh yes- there is no way to change your autopay preference online. There is also no way to make a payment online. Wells Fargo needs to work on sucking less. Way less.

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      Verified purchase

      Reviewed Oct. 23, 2025

      Outgoing CCH transfers are a disaster. Bill pay failures, included. The bank is abysmal, but I've cashed in on their incompetence. They've paid me $625 for opening credit card and checking accounts over the past two years. I've also earned over $200 in savings account interest using 15 and 12 months of free float. (Not using Wells Fargo savings though.)I keep a checking account open to automatically get credit card bonus interest whenever it reaches $25. Play their game by the rules, and win big!

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      Wells Fargo fees

      Wells Fargo’s monthly service fees for checking accounts range from $0 to $30, though service fees are waived for teenagers and college students between 17 to 24 years old. Monthly service fees for business checking accounts range from $10 to $40. The bank charges a $5 or $12 monthly fee on savings accounts. Wells Fargo's checking account fees can be avoided by maintaining a specific average balance or completing a minimum number of transactions each month. Also, expect fees for late credit card payments and overdraft charges unless your checking and savings accounts are linked.

      Wells Fargo check cashing fee
      You only have to pay a Wells Fargo Bank fee to cash a check if you don’t have an account. The cost for nonmembers to cash a check at a Wells Fargo bank is $7.50.
      Wells Fargo transfer fee
      It costs $0 to transfer money between Wells Fargo accounts or for bank-to-bank transfer service.
      Wells Fargo overdraft fee
      Wells Fargo charges a $35 overdraft fee per item.
      Wells Fargo ATM fee
      ATM fees are $0 for Wells Fargo customers when they use a Wells Fargo ATM. Cash withdrawals at non-Wells Fargo ATMs are $2.50 each, and account balance inquiries are $2 each.
      Wells Fargo foreign transaction fee
      Wells Fargo’s foreign transaction fees reach up to 3% on some accounts. Outside of the U.S., ATM cash withdrawals are $5 each and ATM accounts transfers are $2 per transfer.
      Wells Fargo cash advance fee
      Wells Fargo’s cash advance fees are up to $12.50 per transaction. Credit advances vary based on the account.

      Wells Fargo Bank FAQ

      Does Wells Fargo have 24/7 customer service?

      Yes, Wells Fargo has 24/7 customer service available by phone and online.

      Is Wells Fargo a commercial bank?

      Yes, Wells Fargo provides commercial banking services and products for individuals and businesses.

      What states have Wells Fargo banks?

      Wells Fargo has locations throughout the U.S. in all states except Hawaii, Oklahoma, Missouri, Michigan, Indiana, Ohio, Kentucky, West Virginia, Louisiana, Vermont, New Hampshire, Massasschetts, Rhode Island and Maine.

      What are Wells Fargo’s dealer services?

      Wells Fargo’s dealer services provide indirect auto financing, commercial products and banking services to auto dealers.

      How old do you have to be to open a bank account at Wells Fargo?

      You can open a Wells Fargo account with a parent or guardian at 13 years old. You must be at least 18 years old to open an account on your own.

      Is Wells Fargo a good bank?

      Wells Fargo offers many options to handle your financial needs, including checking and savings accounts, credit cards, investments and loans. Compared to other banks, interest rates and fees are average. Overall, Wells Fargo’s products and services are robust and allow you the convenience to bank however and wherever you like.

      Wells Fargo Company Information

      Company Name:
      Wells Fargo
      Year Founded:
      1852
      Address:
      420 Montgomery Street
      City:
      San Francisco
      State/Province:
      CA
      Postal Code:
      94104
      Country:
      United States
      Website:
      www.wellsfargo.com