Wells Fargo has two different checking accounts aimed for young newbies of the personal finance world. Teen Checking is designed for those under 18, while the Everyday Student Checking is geared towards those in postsecondary education.
*See the best Student Checking Accounts compared
Wells Fargo Student Checking Promotions?
While offers aren’t available all year long, they do come up often enough. The Teen Checking account is typically not eligible for cash bonuses, but the Everyday Checking will be. See all current Wells Fargo Checking bonuses here.
Another big bank that commonly offers bonuses is Chase. See the Chase College CheckingSM bonus here.
Account Details
Teen Checking
- Teens aged 13 to 17 with adult co-owner. *In Alabama, Teen Checking is available for those aged 13 to 18.
- $25 minimum opening deposit
Everyday Student Checking
- Students aged 17 to 24
- $25 minimum opening deposit
Convenient Online Banking
Manage your account 24/7 with online access. Features include monitoring your balance and activity, setting up alerts, viewing documents online and integrating personal finance software like Quicken.
Wells Fargo Mobile
Pay bills, send money and check your balance on a smartphone or tablet using this convenient app.
Branch & ATM Coverage
Choose from 13,000 Wells Fargo ATMs and 6,000 branches throughout the United States.
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Free Money Management Tools
Develop budgeting skills with My Money Map, Budget Watch, My Savings Plan and other tools.
Teen Checking
| Usage | Fee | Notes |
| Monthly Maintenance | $3 | Waived if you choose to receive statements online. |
| Non-Wells Fargo Bank ATM (domestic) | $2.50 | Per withdrawal, plus ATM operator fees. |
| Non-Wells Fargo Bank ATM (international) | $5 | Per withdrawal, plus ATM operator fees. |
| Overdraft/NSF | $15 | Per paid or returned item, max 2 items per business day, waived for ATM and everyday debit card transactions, waived for transactions of $5 or less. |
| Overdraft Protection Transfer | $12.50 | Per transfer from your linked saving account. |
Everyday Student Checking
| Usage | Fee | Notes |
| Monthly Maintenance | $5 | Discounted from $10 for primary account holders aged 17 to 24. |
| Non-Wells Fargo Bank ATM (domestic) | $2.50 | Per withdrawal, plus ATM operator fees. |
| Non-Wells Fargo Bank ATM (international) | $5 | Per withdrawal, plus ATM operator fees. |
| Overdraft/NSF | $35 | Per paid or returned item, max 3 items per business day, waived for ATM and everyday debit card transactions, waived for transactions of $5 or less. |
| Overdraft Protection Transfer | $12.50 | Per transfer from your linked saving account. |
The monthly maintenance fee for Everyday Student Checking can be easily avoided if you complete one of the following per monthly statement cycle:
- Post 10 or more debit card purchases or payments, or
- Direct deposit totaling $500 or more, or
- Maintain a $1,500 balance, or
- Link account to a Wells Fargo Campus ATM or Campus Debit Card.
No Interest
As with many other youth checking accounts, Wells Fargo Teen and Everyday Student Checking does not yield any interest.
The Impression
Wells Fargo has a great network of nationwide branches and ATMs – great if you prefer to do your banking in person. However, for both the Teen Checking and Everyday Student Checking, you won’t be earning any interest on your deposits.
Teen Checking
The top selling point for this account is its overdraft policy with a fee of just $15 per paid or returned item. Plus, you’ll get hit with that fee no more than twice per day.
Everyday Student Checking
This account is a relatively basic one that offers the services you need without any fancy trimmings. If you can meet the requirements to waive your monthly fee, the Wells Fargo Everyday Student Checking is not a bad choice.
- 10 Best Student Checking Account Offers of March 2025
- Chase College Checking℠ Coupon: $100 Bonus Offer – Ends 4/16/2025
- Fizz Sign Up & Referral Bonus: Earn $5-$20 Instantly!
- Santander Student Value Checking Review (Ages 14 – 25)
- TD Bank Student Checking Review: Free Checking For Students Under 24
- U.S. Bank Student Checking Review: No Fees, No Minimums
- Capital One 360 Money Account Review: Checking Account For Ages 13 To 17
- BB&T Bank Student Checking Review (Students Age 23 & Younger)
- SunTrust Essential Checking For Students (High School, Technical School, College)
- PNC Bank Virtual Wallet Student: Unique Features At Your School
- Wells Fargo Teen Checking & Everyday Student Checking Review
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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