Wells Fargo Reviews

  • 4,646,190 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

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...

Read more

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.

Shop with confidence

Compare with top companies

Wells Fargo Reviews

Filter by Rating

  • (155)
  • (64)
  • (65)
  • (184)
  • (2,635)

Popular Mentions

    How do I know I can trust these reviews about Wells Fargo?
    • 4,646,190 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Top reviews
    • Top reviews
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Wells Fargo?
    • 4,646,190 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 5
    Staff

    Reviewed Oct. 26, 2024

    Hello everyone. We would like to describe and share our experience in the Wells Fargo Bank branch on 2140 Town Center Plaza. We highly recommend to visit Wells Fargo Bank and get the best promotions from Mr. Reginal **. We are sure that Mr. ** will very popularly and clearly explain anything you want to know. Also, he will interest you in some financial issues which can help you in the future.

    It was just a miracle that we found such a great person. He is a very nice and polite clerk who does his job with a high professional knowledge. In a short time, Mr. ** very kindly explained to us some very important details while opening a Checking account. And only thanks to him, my wife and I opened new Checking accounts in Wells Fargo Bank.

    It is a great regret that there are not many people who treat their responsibilities with love and respect, like Mr. ** do. We are strongly convinced that only thanks to the people like Mr. Prasad, companies have tremendous success and prosperity in their business. Without a shadow of a doubt, Mr. ** deserves a raise and promotions in his career. He definitely deserves it. We will be happy to introduce and recommend Mr. Reginal ** to our family members and friends as the best worker in this field. Thank you so much for making the right choice in hiring employees for your business. All the best to you.

    Sincerely,

    Vadim ** and Yelena **

    Thanks for your vote! Report
    Staff

    Reviewed Aug. 29, 2024

    Went to the South Brunswick, NJ location. I had the best experience with Jason ** and Lana. They went above and beyond to help me set up an estate account, fill out forms and set up my mobile banking. They were super nice and I didn’t feel rushed, best experience I have had at Wells Fargo. Also Ian was amazing. He helped me a few weeks prior. They are all the best and so friendly.

    Thanks for your vote! Report

    Not sure how to choose?

    Get buying tips about Banks delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Staff

      Reviewed Aug. 17, 2024

      I have always found a Wells Fargo Bank as I traveled from South Carolina to Arizona. My local Wells Fargo has very helpful, professional, competent staff to take care of my banking needs. It is a pleasure to bank with them.

      Thanks for your vote! Report
      Verified purchase
      Staff

      Reviewed Aug. 13, 2024

      That was the most horrible experience I had. When I joined the bank they told me that they will protect me. I was customer for almost 13 years. One of my customers send me a check and Wells Fargo posted online that it was available. So I did send the money over this person after my bank said it was available funds! The checks that Wells Fargo Bank said the funds were available was fraud. The bank did not detect the fraud, and they do pay millions of dollars to have this department, but they did took my money. I believe it's the democratic based company, based in California. The democratic big corporations said that they care about normal people, especially about minority, females, but I guess it's all lies. They do care only about themselves!

      Thanks for your vote! Report
      Staff

      Reviewed May 17, 2024

      I went to Well Fargo Surfside to rent safe deposit box. Only one person who helped me was Milo ** NMLS ID **. He really care about clients. He love his job and very professional. Promotion for him! E.A.

      Thanks for your vote! Report
      Customer Service

      Reviewed April 15, 2025

      I am a third-party auto dealer that took a trade-in and sent all documents to Wells Fargo. I have been calling them for the last 3 months to get a title the run around. My last call with Wells Fargo title I spoke to Araceli ** and spent an hour or so, and asked to speak to a Manager and just sat there and never was able to do so. I still have no title.

      Thanks for your vote! Report
      Customer ServiceStaff

      Reviewed April 9, 2025

      I contacted customer service today regarding my business account, which I’ve had for over 10 years, after noticing a $4 transaction fee that I wasn’t expecting. Unfortunately, the representative I spoke with was unkind and unprofessional. She didn’t let me finish explaining my concern and kept interrupting me. I made it clear that I wasn’t calling to argue, but simply to understand what had happened with my account. Her tone was aggressive, and I ultimately had to end the call because the conversation became too frustrating. I truly hope Wells Fargo provides better training for their staff—especially in how to communicate respectfully with long-time customers. Even when dealing with tough questions, patience and professionalism should always come first.

      Thanks for your vote! Report
      Customer Service

      Reviewed April 9, 2025

      Today when I went to check on my account for some reason it was closed, and no one had the decency to let me know it was closed until I checked it. I spoke with someone in customer service, and they said the account would be ok for 60 days, but they decided to close it anyway and fail to let me know before the 60 days was up, I have been a customer for over 20 years and this how you all treat your loyal customers. I will never recommend this company to anyone ever. I would give it a 0 if it was on the charts. Absolutely DISAPPOINTED 100%.

      Thanks for your vote! Report
      Customer ServicePunctuality & Speed

      Reviewed April 4, 2025

      To be call a criminal is a disgrace! I hurt and disgusted on how they handled this situation. My wife and I decided to open a joint account where we can paid our bills from and we receive our taxes into her personal account at another institution so she was transferring it to our joint account and they said we was committing suspicious activity! They didn’t call us to verify or anything. They blocked all my accounts and told us we was committing fraud! We offer to show them proof of where the money came from and they said no need we are ending relationship. My rent and bills all come out from that account and now my funds are on hold so I’ll have to pay late fee and etc. Shame on you Wells Fargo!

      Thanks for your vote! Report
      Profile pic of the author.
      Customer ServiceStaff

      Reviewed March 28, 2025

      I am writing to discuss my frightening experience with Wells Fargo, regarding a series of fraudulent transactions that have occurred on my checking account. For the past month, I have submitted multiple claims to address this matter. However, Wells Fargo has placed a negative balance on my account and continues to permit unauthorized withdrawals by the fraudsters. Despite my efforts, the bank has refused to close the account. I have contacted the customer service team, the claims department, and the fraud department, but my concerns have not been adequately addressed, and I am being held accountable for these unauthorized activities. To further protect myself, I have filed a police report and reported the identity theft to www.identitytheft.gov. Additionally, I have taken the precaution of freezing my accounts with all credit bureaus. Unfortunately, Wells Fargo has yet to close my account, which continues to be a source of concern.

      Thanks for your vote! Report
      Loading more reviews...

      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