Wells Fargo, one of the largest banks in the United States, offers a range of consumer accounts, including checking and savings accounts. As with most financial institutions, Wells Fargo charges fees for certain account transactions and activities.

To help customers understand these fees and other important information about their accounts, Wells Fargo provides a Consumer Account Fee and Information Schedule and Deposit Account Agreement.

The fee schedule outlines the various fees associated with Wells Fargo consumer accounts, including:

– Monthly service fees: These fees are charged for maintaining an account and can vary based on account type and balance requirements.

– Overdraft and non-sufficient funds fees: Wells Fargo charges fees for overdrawn accounts and transactions that are declined due to insufficient funds.

– ATM fees: Depending on the account and location, Wells Fargo may charge fees for ATM withdrawals.

– Foreign transaction fees: These fees apply to transactions made outside of the United States.

– Wire transfer fees: Wells Fargo charges fees for sending and receiving wire transfers.

It`s important to note that Wells Fargo may also charge other fees not listed in the schedule, such as fees for account research or stop payment requests.

In addition to the fee schedule, the Deposit Account Agreement provides important information about account terms and conditions. This includes:

– Account ownership: The agreement outlines the rules for opening and maintaining a Wells Fargo consumer account, including requirements for identification and documentation.

– Deposit and withdrawal rules: The agreement outlines how deposits can be made to the account and any restrictions on withdrawals.

– Account closures: Wells Fargo reserves the right to close accounts for various reasons, including suspected fraud or inactivity.

– Liability for unauthorized transactions: The agreement explains the bank`s policies for unauthorized transactions made on a consumer account.

– Dispute resolution: The agreement outlines the bank`s procedures for resolving disputes related to consumer accounts.

By reviewing the Consumer Account Fee and Information Schedule and Deposit Account Agreement, Wells Fargo customers can better understand the fees and terms associated with their accounts. It`s important to regularly review this information, as fees and terms may change over time.