Wells Fargo Consumer Account Fee And Information Schedule And Deposit Account Agreement

20 12 2020

Overdraft Protection is an optional service that you can add to your current account by linking up to two eligible accounts (one savings, one credit). We use the funds available in your linked account (s) to authorize or pay for your transactions if you do not have enough money in your current account. Overdraft Protection is not available for Clear Access bank accounts. This fee is removed for consumer accounts opened in a branch in the following cities in New York State or assigned to a branch: Carle Place, Cedarhurst, Garden City, Great Neck, Greenvale, Hempstead, Hewlett, Huntington, Lake Ronkonkoma, Manhasset, Oceanside, Port Washington, Syosset and New York. In addition, for consumer accounts opened or allocated in branches in the cities mentioned above, we reimburse surcharges of up to three non-Wells Fargo cash withdrawals per fee period (unlimited number of refunds for primary Wells Fargo portfolio control accounts), ONLY IN the U.S. If the balance available in your savings account is $25 or more and can cover the overdraft (plus overdraft fees), we transfer the exact amount or a minimum of $25. If the balance available in your savings account is less than $25 or the amount needed, we will transfer the available balance. We waive transfer fees for the Wells Fargo client portfolio with $250,000 or more in qualifying credits. For online instructions, it is necessary to use adobe® acrobat® PDF reader. The duration of online extracts for posting and downloading varies by product: up to 2 years for credit cards, student loans, home loans, as well as private loans and lines of credit; and up to 7 years for deposit accounts, mortgage accounts and trust and investment accounts. You can find the duration of online availability of specific product extracts in Wells Fargo Online in The Statements and Documents.

Availability may be affected by your mobile operator`s coverage. Your mobile operator`s information and data rates may apply. Paper items – the recipient`s name, account number, cheque number or cheque area, cheque date and cheque amount. The definition of transactions applies to all cheques deposited and all withdrawals or withdrawals or withdrawals reserved in your account, including paper and electronics, with the exception of debit card purchases and debit card payments. In addition to the fees described above, third parties or other banks may be charged. In addition, incoming or outgoing wires containing incorrect information may be subject to several fees assessed by the bank and/or other financial institutions that process the wire. Overdraft debit card service: No overdraft fees will be charged for ATMs and daily (unique) debit card transactions, unless the Debit Card Overdraft service is added to your account. If the debit card overdraft service is not added and there is not enough money in your current account or on overdraft protection accounts, your bank transfers and daily (unique) debit card transactions are declined, and no charges are charged for rejected transactions.

The debit card overdraft service is automatically added to eligible commercial accounts when the account is opened. You can add or delete the service at any time.