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...

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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 - 5
    Profile pic of the author.
    Staff

    Reviewed Jan. 3, 2026

    I normally don't go into the branch but I was so overwhelmed with teller TASHA. She made you feel so comfortable and relaxed when entering the bank. Such a generous person, because of her I'll be sure to visit with her more inside the branch, keep up the great amazing good work at wells, God Bless and again Happy New Year.

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    Customer Service

    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 ServiceSales & MarketingStaff

      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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      Customer ServiceStaff

      Reviewed Jan. 19, 2026

      I think you're a terrible bank. I believe your make up fraud dept sucks. I don't appreciate the way I was treated. Customer service was terrible. I feel like I was declined any help for me and the review is blocked me from writing the experience was awful.

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      Refunds & PayoutsStaffLoan Process

      Reviewed Jan. 18, 2026

      Wells Fargo cares nothing about customer especially if you not a rich customer. My account never been over drawn and January 1, 2026 I had a massive house fire leaving me and my family with the close on our back and I over drawn because we needed things. Well Wells Fargo decided after I told them why it was overdrawn and it was paid back because they get my deposits up to 5,000 a month and the turn the over draft off not caring about nothing with my disaster. No I didn't ask for a loan all I needed was my over draft and they took it and could careless about my disaster period. Didn't offer no help.

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      Reviewed Jan. 18, 2026

      This bank keeps getting worse over time and takes your money without consent. Go anywhere else for your banking needs. This corporation is corrupt and has non-stop service issues. I lost $3000 in random fees since I banked with them for 2 decades.

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      Customer ServicePricePunctuality & SpeedStaffBilling

      Reviewed Jan. 14, 2026

      If I had the option to give negative stars, I would. Wells Fargo has a very unusual "grace period' policy that I had not experienced with any other creditor. Despite my statement showing that I had made addition to monthly minimum, they still charged a late fee. The customer service team is not there to service customers. My experience was frustrating and unhelpful, and the issue was not resolved. I would never open any future accounts with Wells Fargo. This is something consumers should be very aware of. If you choose to bank with Wells Fargo, make absolutely sure your minimum payment is received by the exact due date, not a day -or even a minute-late. Tehir policies are unforgiving and not customer friendly.

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      Punctuality & Speed

      Reviewed Jan. 12, 2026

      If I could give zero stars I would. Not only did fraud happen under their watch without anything being done, they claimed that the $20k taken out of our account against our credit was not fraud and then proceeded to wait until their was $20k available in our checking account to STEAL it from there to make themselves whole without ANY notification to us. They don't only allow someone to steal from you, THEY will then steal from you. Don't trust them with your money unless you like lighting it on fire.

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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