Effective July 23, 2024

Consumer AccountFees and Information

CONSUMER ACCOUNT FEE AND
INFORMATION SCHEDULE

Table of Contents
Introduction........................................................................................................................................................ 2
Overview & Key Terms .................................................................................................................................. 3
Everyday Checking .......................................................................................................................................... 4
Clear Access Banking ..................................................................................................................................... 4
Prime Checking ................................................................................................................................................. 6
Premier Checking ............................................................................................................................................ 6
Way2Save® Savings........................................................................................................................................ 8
Platinum Savings ............................................................................................................................................ 8
Time Accounts (CDs), IRAs, & ESAs ...................................................................................................... 9
Overdraft Services ....................................................................................................................................... 10
Service Fees...................................................................................................................................................... 11

Introduction
This Consumer Account Fees and Information document, the “Consumer Schedule,”
together with the following documents is your contract with Wells Fargo andconstitutes the “Agreement” that governs your new and existing consumer deposit
account with Wells Fargo:• The Deposit Account Agreement,• Our interest rate sheet for interest-bearing accounts,• Our privacy notice, and• Any additional disclosures, amendments, or addenda we provide to you.
In these documents, when we say “Wells Fargo,” “Bank,” “we,” “us,” and “our,” we aretalking about Wells Fargo Bank, N.A. “You” and “your” means each account owner,
authorized signer, and any other person authorized to operate an account.
Be sure to review the Deposit Account Agreement, including the “Glossary” section,for important defined terms used in this Schedule. We regularly update this Consumer
Schedule. You can get a copy of the current Consumer Schedule at wellsfargo.com,
by requesting it from a banker, or by phone.
2Overview & Key Terms
This document helps you understand your account features and requirements, the fees that may apply, and how to minimize or avoid fees
where possible. If you don’t find your account type listed, check with a Wells Fargo banker for information about your account, including feesand other important information.

What we mean
by fee period andwhy it matters

How we track and report your account activity, including what’s provided in your account statements,
doesn’t always match a calendar month. Instead, we use a fee period to determine the monthly service fee
and other monthly fees. A fee period can have 25 to 35 days. We calculate and post your monthly service
fee, if any, on the last business day of your fee period. If your account allows you to avoid a monthly service
fee, knowing your fee period end date will help you keep track of when you need to meet one of theoptions available to avoid the fee.
You’ll find the dates of your fee period in the Monthly service fee summary on your account statement.
The fee period end date is the last day posted transactions and account changes apply to that fee period.
If your fee period ends on the last calendar day of the month, only transactions posted through the lastbusiness day of the month will count towards the fee period. Pending transactions displayed in online
banking are not posted transactions. Deposits we make available early with Early Pay Day are pendingtransactions until the deposit posts on the pay date scheduled by your payor.
See “Determining the day your deposit is received by the Bank” in the “Availability of Funds Policy” sectionin the Deposit Account Agreement for more details on transaction posting. Unless otherwise specified,maintenance or service requests for your account (for instance, setting up an automatic transfer or linking
accounts) made after the cutoff time or on a non-business day will be processed and made effective on
the next business day. Combined balances are determined one business day prior to the last business dayof your fee period.
Prime Checking and Premier Checking accounts only: The fee period ends on the last business day of thecalendar month. We use your statement-ending qualifying balance to determine your eligibility to avoid themonthly service fee. We calculate the monthly service fee, if any, on the last business day of the calendar monthand post the fee on or about the first business day of the following month. Monthly service fee summary is
not available on the statement.
Initial monthly service fee waiver: We’ll waive the monthly service fee for each fee period ending within
the first 64 days of opening.
Other fees subject to the fee period: We also use the fee period to count the number of posted
transactions we allow before charging a fee. For example, if your account allows a certain number of
no-charge ATM transactions each fee period, we’ll only charge for ATM transactions after that number
has been met within the fee period. Another example of such a fee is the check image option fee.
Your fee period can change: We may, at our discretion, change your fee period without prior notification.
For example, when accounts are brought together into a combined statement, we change the fee period
to match the fee period of the first account listed on the statement. When accounts are delinked from a
combined statement, we may change the fee period for the delinked accounts.
Effect of Early Pay Day: Direct deposits made available early with Early Pay Day will not count towards
applicable options to avoid your account's monthly service fee until the deposit posts to your account and is
no longer pending (e.g., the pay date scheduled by your payor). For more information about Early Pay Day,
please refer to our Deposit Account Agreement.

Minimum daily balance

Minimum daily balance refers to the lowest ending daily balance recorded during the fee period after alltransactions have gone through nightly processing.

Primary account owner

When there is more than one owner of an account, we identify a primary owner. The primary accountowner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned
to the account and who, therefore, has tax responsibility for the account. For select checking and savings
accounts, when an individual primary account owner reaches the age of 25, age can no longer be used to
avoid the monthly service fee. Depending on the type of account you have, there may be other ways to avoid
the monthly service fee. If the primary owner of an existing Everyday Checking, Clear Access Banking, or
Way2Save® Savings account changes, it may take up to 45 days after the change is made to avoid themonthly service fee based on age.

Interest-bearing
accounts

For interest-bearing accounts, you may earn interest based on the account’s daily collected balance. Theinterest rate may be as low as 0.00%, and variable interest rates may be changed by the Bank at any time.
Interest is compounded daily and paid monthly using a 365-day year. For more payment options for CDs,
see “Interest on your CD” in the “Time Accounts (CDs)” section of the Deposit Account Agreement. For
Prime Checking and Premier Checking, your Relationship Interest Rate will end if you or the Bank close
your Prime Checking or Premier Checking account or de-link an eligible time account (CD) or savings
account; for CDs this change occurs at renewal. For more information, review “Interest-bearing accounts”
in the “Statements, Interest, and Other Account Information” section of the Deposit Account Agreement.
Refer to the current consumer deposit interest rate sheet to find interest rates in your branch location.
3

Everyday Checking & Clear Access Banking
Account

EverydayChecking

Clear AccessBanking
Minors 13—16
must have an
adult co-owner.

Monthly
service fee

How to avoid the monthly
service fee each fee period(only one option required per account)

Minimum
opening deposit

Interestbearing

Optional
OverdraftProtection

Checkwriting$10• $500 minimum daily balance• $500 or more in total qualifying
electronic deposits• Primary account owner is 17—24 years old• Linked to a Wells Fargo Campus ATM Cardor Campus Debit Card*• A qualifying monthly non-civilian military
direct deposit with the Wells Fargo
Worldwide Military Banking program.1

$25

No

Yes

Yes

$5

• Primary account owner is 13—24 years old• Linked to a Wells Fargo Campus ATM Cardor Campus Debit Card*• A qualifying monthly non-civilian military
direct deposit with the Wells Fargo
Worldwide Military Banking program.1

$25

No

No

No

1. Worldwide Military Banking program benefits will take effect 45 days after a qualifying non-civilian military direct deposit is deposited into
an eligible Wells Fargo checking account. For more information on the qualifying non-civilian military direct deposit, program qualifications
and benefits, please visit wellsfargo.com/military/worldwide-military-banking.

Qualifying electronic
deposit for Everyday
Checking

A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, orother income, that has posted to your account and is (1) a direct deposit made through the AutomatedClearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time
payment system) or FedNowSM Service, or (3) an electronic credit from a third party service that facilitates
payments to your debit card using the Visa® or Mastercard® network (e.g. an Original Credit Transaction).
Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are notconsidered a qualifying electronic deposit.

Everyday Checking
and Clear AccessBanking linked toWells Fargo Campus
Card

Everyday Checking or Clear Access Banking accounts linked to an open, active Wells Fargo Campus
CardSM from a participating college or university are eligible for the following additional fee benefits
during each fee period. Ask a banker for more details about participating colleges and universities.
• No Wells Fargo fees for up to 4 cash withdrawals from non-Wells Fargo ATMs in the U.S. (Feescharged by non-Wells Fargo ATM operators or networks may apply.)*• No fee charged for 1 overdraft (Standard overdraft coverage does not apply for Clear AccessBanking)*• Courtesy refund of 1 incoming domestic or international wire transfer fee* Whether or not thewire transfer fee is waived, Wells Fargo makes money when it converts one currency to another for you.
The exchange rate used is set by Wells Fargo, includes a markup and may be different than exchange
rates you see elsewhere. Incoming wire transfers received in a foreign currency for payment into youraccount will be converted into U.S. dollars using the applicable exchange rate without prior notice
to you. For more information, see the “Applicable exchange rate” and “Incoming international wiretransfers” sections of the Deposit Account Agreement.
* Campus Card fee benefits will take effect within 45 days following the linkage of your Campus Card to
an Everyday Checking or Clear Access Banking account and will end 60 days after your Campus Card is
no longer linked to the account. The Bank’s standard Everyday Checking or Clear Access Banking accountterms and fees will apply when the Campus Card is no longer linked. For more information, review thisConsumer Schedule and the "Additional information for Wells Fargo Campus Card Program customers”
section of the Deposit Account Agreement.

Clear Access Banking

4

Clear Access Banking is a checkless banking account. You cannot write checks against the account(including starter checks, temporary checks and personal checks ordered from a third party). Any checks
written on this account will be returned unpaid, even if there’s enough money in the account to cover thepayment. When a payee or merchant uses your account number and routing number to process a payment
as a check, that transaction will be declined. It’s important that you notify the payee or merchant to makesure they don’t process your payment as a check. Otherwise, the payee or merchant may charge you a fee
for a returned check. References in the Deposit Account Agreement to check-writing capabilities don’t
apply to Clear Access Banking accounts.

No overdraft coverage
Our standard overdraft coverage does not apply to Clear Access Banking accounts. You cannot requestthat standard overdraft coverage be added to your account. With Clear Access Banking, if you don’t haveavailable funds in your account to cover the transaction when it is presented to us for authorization or
payment, we will:• Return certain transactions presented to us for payment (such as ACH payments) unpaid.
• Not authorize ATM and everyday (one-time) debit card transactions into overdraft.
• Not authorize other transactions (such as recurring debit card transactions or Bill Pay transactions)
into overdraft.
We won’t charge you a fee if we return or decline to authorize an item. However, payees or merchants
may still charge a fee. Other optional overdraft services, such as Overdraft Protection and Debit Card
Overdraft Service, are also unavailable on this account. References in the Deposit Account Agreement andin this document to standard overdraft coverage, Overdraft Protection, and Debit Card Overdraft Service,including associated overdraft fees, don’t apply to Clear Access Banking accounts.
Negative balance
Although we won’t authorize transactions — such as ATM withdrawals, debit card purchases, or recurring
debit card transactions — when you don’t have enough money in your account to cover them when they
are presented to us for authorization, certain transactions or account activity may result in a negativebalance. For example, if you add a tip to a transaction after we’ve approved the transaction without the
tip OR if we credit a deposit that is later returned unpaid, you may see a negative balance in your account.
We won’t charge an overdraft fee for these transactions. You simply need to repay the negative amountpromptly.
Converting to Clear Access Banking from an account that has checks
If you switch from a Wells Fargo account with check writing ability to a Clear Access Banking account,any outstanding check(s) presented on the new Clear Access Banking account on or after the date ofconversion will be returned unpaid. The payee may charge additional fees when the check is returned.
Make sure that any outstanding checks have been paid and/or you have made different arrangementswith the payee(s) for the checks you have written before converting to the Clear Access Banking account.
Converting to Clear Access Banking from an account that has overdraft services
If you switch from a Wells Fargo account that included our standard overdraft coverage or was enrolled in
our optional Debit Card Overdraft Service, those services will be removed from your account at the timeof conversion. If your prior account was enrolled in our optional Overdraft Protection service, it will be
removed from your account on the second business day after conversion (e.g., if you convert on Monday,
it will be removed on Wednesday) and transactions occurring before removal may be paid into overdraftor returned unpaid, subject to the following exception: removal of Overdraft Protection from a linked
savings account will be delayed by one business day for each day an Overdraft Protection transfer occurs
after conversion.
Any fees (for example, overdraft fees) resulting from account activity made or authorized prior toconversion may post to the account after conversion. In this event, any such fees will also be reflected inaccount activity summaries located within online banking and your account statement.
Additional account limitations
If you don’t qualify for our standard deposit accounts due to past credit or banking history and received
the Funds Availability Adverse Action Notice as a part of your new account application process, you canstill open or convert into a Clear Access Banking account. This will allow you to take advantage of Clear
Access Banking features and benefits. For the first 365 days from the date your new account is opened(or from the date the account you’re converting from was opened, whichever is less), you won’t be able
to convert into any other Wells Fargo account. After 365 days, you can convert into any Wells Fargo
consumer checking account offered at that time.

Worldwide Military
Banking program

With the Worldwide Military Banking program, eligible checking accounts with a qualifying non-civilian
military direct deposit will receive these account benefits: the checking account monthly service fee will be
waived and all non-Wells Fargo ATM cash withdrawal transaction fees will be waived worldwide. Fees may
still be charged by the non-Wells Fargo ATM operator or network. Prime Checking and Premier Checking
accounts are not eligible for this program.
To be eligible for the program, you must receive a qualifying non-civilian military direct deposit of yoursalary, pension, or disability benefits electronically deposited from Department of Defense/Defense
Finance and Accounting Service (DOD/DFAS), Department of Veterans Affairs/Veterans Benefits
Administration (VA/VBA), or U.S. Department of the Treasury from any branch of the United States
military into an eligible checking account. An account will receive program benefits 45 days after thequalifying non-civilian military direct deposit is deposited into the checking account and program benefits
will end 180 days after a qualifying non-civilian military direct deposit is no longer deposited into thechecking account.

5Prime Checking & Premier Checking
Account

Prime
Checking

PremierChecking

Monthly
servicefee

How to avoid the monthly
service fee each fee period$25$20,000 or more in statement-ending qualifying linked(a) consumer bank deposit account balances (checking,savings, time accounts (CDs), FDIC-insured IRAs) and(b) investment account balances (investment available
through our affiliate Wells Fargo Advisors,1,2 andapplicable bank fiduciary and custody accounts.

$35$250,000 or more in statement-ending qualifying
linked (a) consumer bank deposit account balances(checking, savings, time accounts (CDs), FDIC-insured
IRAs) and (b) investment account balances (investment
available through our affiliate Wells Fargo Advisors,1,2
and applicable bank fiduciary and custody accounts.
Wells Fargo may waive the monthly service fee at its
discretion for promotional or other purposes.

Minimum
opening
depositInterestbearing

Optional
OverdraftProtection

$25

Yes;
interest
rates arevariable

Yes

Yes

$25

Yes;
interest
rates arevariable

Yes

Yes

Checkwriting

Investment and Insurance Products are:• Not Insured by the FDIC or Any Federal Government Agency• Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate• Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
1. Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo
Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers andnonbank affiliates of Wells Fargo & Company.
2. Certain investments or investment accounts are not eligible for linking.

Prime Checking andPremier Checking
Allows you to link one Prime
Checking or Premier Checking
account with other qualifying
accounts.

Prime Checking and Premier Checking
account benefits• No fee for– Wells Fargo Personal Wallet checks– monthly check safekeeping or image
statements– incoming wire transfers*• No Wells Fargo fee for cash withdrawals at
any ATM (Fees charged by the non-Wells Fargo
ATM operator or network may apply.)

Other benefits• Waived monthly service fees on linked
checking and savings accounts• No fee for cashier’s checks or money orders• Discount on safe deposit box rental(where available)• Relationship Interest Rate on eligible linked
CDs and savings accounts*** Whether or not the wire transfer fee is waived, Wells Fargo makes money when it converts one currency
to another for you. The exchange rate used is set by Wells Fargo, includes a markup and may be different
than exchange rates you see elsewhere. Incoming wire transfers received in a foreign currency for
payment into your account will be converted into U.S. dollars using the applicable exchange rate without
prior notice to you. For more information, see the “Applicable exchange rate” and “Incoming international
wire transfers” sections of the Deposit Account Agreement.
** A Relationship Interest Rate is variable and subject to change at any time without notice, including
setting the interest rate equal to the Standard Interest Rate or to zero (0.00%), which could change theRelationship Annual Percentage Yield (APY). For CDs, the change will occur upon renewal. To receive a
Relationship Interest Rate/Relationship APY, the eligible savings account or CD must remain linked to a
Prime Checking, Premier Checking or Private Bank Interest Checking account. Upon linking, it may take up
to two business days for the Relationship Interest Rate to be applied to your eligible savings account. CDs
must be linked at account open and at every renewal. If the checking account is closed for any reason or theeligible savings accounts or CD is de-linked, the account will revert to the then-current applicable Standard
Interest Rate on that date; for CDs, this change will occur upon renewal. Any Special Interest Rate would not
expire until the expiration date of that Special Interest Rate.

6

Prime Checking

Premier Checking

1 U.S. and 1 international per
fee period

unlimited

Waiver of international purchase transaction
fee with your Wells Fargo Debit Card2--

unlimited

Waiver of outgoing wire transfer fee4--

unlimited1%
discount on exchange rate2%
discount on exchange rate--unlimited

Reimbursed fees charged by
non-Wells Fargo ATMs1

Foreign currency cash benefits3
Waiver of Wells Fargo ExpressSend®
transfer fee

Unless otherwise noted, stated benefits apply only to the Prime Checking or the Premier Checking
account and not other linked accounts.
1. When the amount of the fee charged by the non-Wells Fargo operator or network is not provided toWells Fargo, Prime Checking and Premier Checking customers will receive a $4 reimbursement per cash
withdrawal.
2. For each debit card purchase in a foreign currency converted to a U.S. dollar amount by a network.
3. This benefit applies only to foreign currency cash. It does not apply to foreign currency checks,
remittances, or wire transfers. The benefit applies to the exchange rate for foreign currency purchases,
when you purchase foreign currency online at wellsfargo.com, or through a Wells Fargo branch. You’llalso receive the benefit when you purchase or sell foreign currency at a Wells Fargo branch. In addition
to any applicable fees, we make money when we convert one currency to another currency for you.
The exchange rate used when we convert one currency to another is set at our sole discretion, andit includes a markup. The markup is designed to compensate us for several considerations including,
without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate
does not include, and is separate from, any applicable fees. The exchange rate we provide to you may bedifferent from exchange rates you see elsewhere. Different customers may receive different rates fortransactions that are the same or similar. The applicable exchange rate may vary based on such factors
including, but not limited to, currency pair, transaction size, payment channel and product type, such as
foreign currency cash, checks, remittances, and wire transfers. Foreign exchange markets are dynamic,
and rates fluctuate over time based on market conditions, liquidity, and risks. We’re your arms-lengthcounterparty on foreign exchange transactions. We may refuse to process any request for a foreignexchange transaction.
4. Whether or not the wire transfer fee is waived, Wells Fargo makes money when it converts one currency toanother for you. The exchange rate used is set by Wells Fargo, includes a markup and may be different thanexchange rates you see elsewhere. For more information, see the “Applicable Exchange Rate” section of
the Deposit Account Agreement.

More about
linked accounts

You may link your sole or jointly owned qualifying accounts to your Prime Checking or Premier Checking
account to help you avoid the monthly service fee. A qualifying account may be linked to only one Prime
Checking or Premier Checking account.
If you or we delink an account from your Prime Checking or Premier Checking account, then effective
immediately, benefits no longer apply to that delinked account. You’ll no longer receive discounts, options
to avoid fees, or the Relationship Interest Rate on the delinked account. For a delinked time account (CD),this change will occur at renewal. Your delinked account will revert to the Bank’s current applicable interest
rate or fee at that time. Benefits available to your Prime Checking or Premier Checking account and any
remaining linked accounts will continue.
You may link or delink your qualifying accounts through online banking, by speaking with a banker,
or by calling the number at the top of your statement. In addition, unless you specify otherwise,
eligible accounts with the same ownership as the Prime Checking or Premier Checking account will be
automatically linked weekly.
Your account information may be made available to any other owner on any of the linked accounts. If thePrime Checking or Premier Checking account to which your other accounts are linked closes for any reason,
then all remaining eligible accounts will also be delinked. If we determine your accounts are no longer eligible
for linking, we may delink them and we’re not required to notify you if we do.

Statements

We make available to you your Prime Checking or Premier Checking statement on or about the seventhbusiness day of the following month and provide either Detail Level (if eligible) or Summary Level information
on your linked accounts in your statement. If you request that we link your qualifying accounts on the lastbusiness day of the month, then we’ll include that account information on the following month’s statement.
If you elect Summary Level information for an account linked to your Prime Checking or Premier Checking
account, then you’ll continue to receive your separate regular Detail Level statement for that account.
7

Statements for linked accounts: The Prime Checking or Premier Checking account must always belinked in Detail. Additional checking and savings accounts can be linked in either Detail or Summary,depending on ownership. All non-FDIC insured accounts can only be linked in Summary. For other linked
accounts, you’ll have a choice of receiving Detail or Summary Level Information. We may change yourstatement option from linked in Detail Level to Summary Level at our discretion.
If accounts are linked in Detail Level format, all information regarding the linked account will be included in
the combined statement in detail. A standalone account statement will be created for the linked checking
and savings account and be available online only.
If accounts are linked in Summary Level format, account information will be included in the combined
statement in summary and a standalone account statement will be created for the linked account. The
standalone account statement will be delivered based on the account delivery preference. For linked accounts
where at least one of the owner(s) of the linked account isn’t the same as at least one of the owner(s) of thePrime Checking or Premier Checking account, the linked account can only be linked at a Summary Level.
The owners of the Prime Checking or Premier Checking account, as well as any additional owners of eachlinked account, are responsible for verifying the accuracy of account information for the linked account.

Closing a Prime
Checking or Premier
Checking account ordelinking accounts

If your Prime Checking or Premier Checking account is converted to another checking product or closed
by us or you, all linked accounts are delinked from the Prime Checking or Premier Checking account.
Effective immediately, the Relationship Interest Rate or monthly service fee waiver benefit will no longer
apply. For Time accounts (CD), this change will occur at renewal. Your delinked accounts will revert to the
Bank’s current applicable interest rate or fee at that time.

Way2Save Savings & Platinum Savings
Account

How to avoid the monthly
service fee each fee period(Only one option required per account)

Minimum
opening
Interest-bearing
deposit$5• $300 minimum daily balance• 1 automatic transfer each fee period of $25
or more from a linked Wells Fargo checking
account• 1 automatic transfer each business day within
the fee period of $1 or more froma linked Wells Fargo checking account• 1 or more Save As You Go® transfers from alinked Wells Fargo checking account• Primary account owner is 24 years old or under$25

Yes; interest
rates are variable

No

$12

$3,500 minimum daily balance$25

Yes; interest
rates are variable

Yes

Monthly
service fee

Way2Save
Savings
Minors 12
and under
must havean adult
co-owner.

Platinum
Savings

Way2Save Savings
Save As You Go
transfer option

Check-writing

When you have the Save As You Go transfer option, each time you (or any authorized signer or joint
owner) use your debit card for a one-time purchase or complete a Bill Pay transaction through online
banking, and the one-time debit card purchase or Bill Pay transaction posts to the account, we’ll
automatically transfer $1 from your linked Wells Fargo checking account to your Way2Save Savings
account. We may determine through our sole discretion if a particular transaction is a qualifying
transaction.
At the end of each business day, we count your qualifying transactions and multiply them by $1. Then we
process that amount as a single transfer on the next business day. If your checking account does not haveavailable funds, is overdrawn, or Overdraft Protection was initiated, the transfer won’t occur.

8

Time Accounts (CDs), IRAs, & ESAs
Time Accounts (CDs)Type

Minimum
opening deposit

Terms$2,500

3—144 months(12 years)$100,000

30—365 days or
3—144 months(12 years)

Fixed rate

Individual Retirement
Accounts (IRAs) and
Education Savings
Accounts (ESAs)
We no longer offer new IRA
or ESA Plans. IRA/ESA savingsand time accounts are only
available to current IRA and
ESA customers.

Early withdrawal penalty

Interest-bearing

Yes; interest rate
is fixed and based Penalty for earlyon rate available at withdrawal
account opening

Minimum
opening
depositTerms$1,000

3—144 months(12 years)$100,000

30—365 days or
3—144 months(12 years)

Wells Fargo Way2Save
Retirement Account

$100

NA

Yes; interest rates
are variable

Wells Fargo High-Yield
Retirement Savings
Account$100

NA

Yes; interest rates
are variable

Account

Fixed rate IRA/ESA
Time Account (CD)Withdrawals
during termof accountInterest-bearing

Yes; interest rate
is fixed and basedon rate available ataccount opening

Withdrawals
during termof accountPenalty forearly withdrawal

We’ll calculate any early withdrawal penalty using the interest rate in effect for your CD at thetime of the early withdrawal. See “Early withdrawal penalty and Regulation D penalty” in the“Time Accounts (CDs)” section of the Deposit Account Agreement.

9

Overdraft Services
Overdraft, Returned Item /Non-sufficient funds (NSF)
Third parties or other banks
may impose charges for
returned items.
Overdraft Protection
transfer/advance

Overdraft fees

Standard overdraft fee for items paid into overdraft$35 per item

Returned item / Non-sufficient funds (NSF) fee

No feeFrom eligible consumer savings or credit accounts

No fee (see details below)

We may charge an overdraft fee for any item we pay into overdraft. We limit our overdraft fees to three
per business day. We won’t assess an overdraft fee on items of $5 or less. If both your ending daily accountbalance and available balance are overdrawn by $5 or less after we have processed all of your transactions,
we won’t assess an overdraft fee on the items. We won’t charge an overdraft fee on ATM and everyday(one-time) debit card transactions unless your account is enrolled in Debit Card Overdraft Service. ATM
withdrawals and debit card transactions that were authorized when your account had a sufficient available
balance, but are subsequently presented to us for payment and paid into overdraft when you no longer
have a sufficient available balance, will not be assessed an overdraft fee (whether or not you are enrolled in
Debit Card Overdraft Service).
Note: Overdraft fees are not applicable to Clear Access Banking accounts.
To learn more about overdrafts, see the “Available Balance, Posting Transactions, and Overdraft” sectionin the Deposit Account Agreement.

Overdraft Protection
transfer/advance

Advances from eligible consumer credit accounts may accrue interest from the date of each advance.
Refer to your applicable credit agreement for details. Home equity lines of credit secured by residential
real estate located in Connecticut, New York, and Texas are not eligible for linking to your checking
account for Overdraft Protection.
Transfers from linked eligible consumer savings account: If the available balance in your savings
account is $25 or more and can cover the overdraft, we’ll transfer the exact amount needed or a minimumof $25. If the available balance in your savings account is less than either $25 or the amount needed, we’lltransfer the available balance.
Advances from linked eligible consumer credit account: If the available credit in your credit card
account is $25 or more and can cover the overdraft, we’ll advance the exact amount needed or aminimum of $25. If the available credit in your credit card account is less than either $25 or the amountneeded, we’ll advance the available credit. Advances from an eligible linked Wells Fargo line of credit are
generally made in increments of $100 or $300. Interest charges may apply. Refer to your applicable credit
agreement for details.

10Service Fees
When using your Wells Fargo accounts, you’ll pay charges for specific transactions and services. We base your account fees on the type ofaccount you have and the services you use. Your account may provide a discount or fee waivers on certain fees listed below. Please review
information about your account in this Consumer Schedule for additional details.
Wells Fargo ATMs

No feeNon-Wells Fargo ATM Fees

2

ATM and debit cards1

Cash withdrawal transaction — U.S./U.S. territories3$3 eachCash withdrawal transaction — International$5 eachInternational purchase transaction fee
For each purchase in a foreign currency that a network
converts into a U.S. dollar amount

3% of transaction amount

Non-Wells Fargo bank cash disbursement fees for using a debit card to withdraw cash from a teller
U.S./U.S. territories3$3 per teller transaction

International

3% of transaction amountCashed/deposited item
unpaid for any reason
Cashier’s checks4

ChecksNo feeCashier’s checks$10 each

Stop payment for a lost, stolen or destroyed cashier’s check

No fee5

Personalized temporary checks (counter checks)$3 per sheet of three checks

Check printing (prices vary by quantity, style, and design)

Varies

Account
Check image service
Available for checking
accounts.

Collections (U.S.)6

Everyday Checking
Prime Checking andPremier Checking

Service

Image

Classic

front of checks only

No feePremium

front and back of checks

No feeClassic

No feePremium

No feeIncoming and outgoing$25 per item

Delivery fee

Foreign andinternational services
In addition to any fees, theexchange rate used when
we convert one currency toanother includes a markup.6,7,8

Varies depending on service provided, order method (online or at a
branch) and delivery method

Fees varyInternational item deposited
In U.S. and foreign currency$5 eachInternational item returned unpaid$15 eachInternational item collection ($250 minimum item amount)$80 each

Outgoing international U.S. currency/foreign currency(both one-time and repetitive)

Fee disclosed at the timeof transaction

Legal process fee

Includes levy, writ, garnishment, and any otherlegal documents that require funds to be attached$125 each; maximum$250 per account, percalendar month

Money order4

Up to $1,000$5 eachStop payments

Paper or ACH item

No fee11Service Fees (continued)
Domestic

Wire transfers
Incoming or outgoingdomestic wires that contain
incorrect information may
be subject to multiple fees
assessed by the Bank.

Incoming

International
U.S. currency

Foreign currency$15 each$15 each$15 each

Outgoing

In addition to any fees, theexchange rate used when
we convert one currency toanother includes a markup.6,7,8

Digital wire

$25 each$25 each

No feeBranch$40 each$40 each$40 eachStanding transfer order$25 each

NA

NA

Wire transfer fees charged bythird parties or other banks

Third parties or other banks may charge fees in addition to those described above

1. You may also be charged fees for use of your debit card and ATM card by third parties such as stores and merchants, and by other banks and financial
institutions for use of non-Wells Fargo ATMs. For your debit card, you may be charged by other banks and financial institutions for cash disbursements
at their branches.
2. Non-Wells Fargo ATMs are ATMs that are not owned or operated by Wells Fargo or are not prominently branded with the Wells Fargo name and logo.
3. U.S. includes the 50 states and the District of Columbia as well as the U.S. territories of American Samoa, Guam, Northern Mariana Islands, Puerto
Rico, U.S. Minor Outlying Islands, and U.S. Virgin Islands.
4. Outstanding Cashier’s checks and Money Orders are subject to state or territorial unclaimed property laws.
5. If the cashier’s check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only becompleted within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In addition,
for cashier’s checks over $1,000, the waiting period before the stop payment and reissuance of an outstanding cashier's check may be processed is
90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable
surety bond. This can be purchased through Wells Fargo’s approved insurance carrier or through an insurance carrier of the customer’s choice. The costof a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier’s underwriting
requirements before issuance. If the surety bond is not provided, the waiting period applies.
6. Fees may be charged by third parties or other banks, in addition to those described above.
7. In addition to any applicable fees, we make money when we convert one currency to another currency for you. The exchange rate used when
we convert one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several
considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and isseparate from, any applicable fees. The exchange rate we provide to you may be different from exchange rates you see elsewhere. Different customers
may receive different rates for transactions that are the same or similar. The applicable exchange rate may vary based on such factors including,but not limited to, currency pair, transaction size, payment channel, and product type, such as foreign currency cash, checks, remittances, and wiretransfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. We're your arms-lengthcounterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.
8. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange
rate without prior notice to you. For more information, see the “Applicable exchange rate” section of the Deposit Account Agreement.

Questions? We’re here for you
OnlineVisit wellsfargo.com

Phone

1-800-869-3557

Deaf or hard ofhearing customers

We accept all relay calls, including 711.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
© 2024 Wells Fargo Bank, N.A.
CNS2013 7/23/2024
RSNIP-09272025-6508598.1.1