How to Understand Your Wells Fargo Bill

If you need help disputing charges on your Wells Fargo bill, you have a legal option that may help. Arbitration is often faster and cheaper than filing through small claims court and can get Wells Fargo to listen to your complaint.

Wells Fargo is one of the oldest financial institutions in America. Today, they provide critical banking services for millions of Americans and also issue out credit cards and additional loans for a variety of needs. However, they also frequently include several additional charges that they are not necessarily upfront about. In this guide, we’ll tackle these unexplained charges and help you understand your Wells Fargo bill better than ever before.

What’s On Your Wells Fargo Statement

Wells Fargo has a fairly standard statement outline with a breakdown of your various charges and deposits into your account located alongside the final monthly amount. They’ll also explain deadlines for your bill payments, plus online banking advertisements if you currently use paper statements. Furthermore, most statements have contact information if you need more info about your credit card’s APR or other factors.

What Are the Extra Charges You Might See?

Let’s break down some of the most common service fees and charges you might see from a Wells Fargo bill:

  • ATM fee: $2.50 for each cash withdrawal at a non-Wells Fargo ATM in the United States. It’s $5 for any international withdrawals, as well as $2 per inquiry or transfer
  • Over-the-counter fee: $3 per transaction for getting cash at a non-Wells Fargo Bank. This means it’s smarter to withdraw your money straight from Wells Fargo whenever possible
  • International purchase transaction fee: 3% of the total amount. This is ostensibly because Wells Fargo has to pay certain fees in order to ensure money crosses international borders without incident
  • Cashier’s check fee: $10 each
  • Excess activity fee for saving accounts: $15 per withdrawal or transfer. You can only do a certain amount of withdrawals from your savings account per monthly period; the exact number should be detailed on your contract
  • Money order fee: $5 for money order regardless of the bank
  • Overdraft and returned items fee: $35 per item. This is $15 if you have a Wells Fargo teen checking account. The fee is the same for nonsufficient funds for a purchase (i.e. when Wells Fargo doesn’t finalize a purchase but returns the item/charge instead)
  • Cashed or deposit item returned unpaid fee: $12 per item
  • Stop payment fee: $31 per item. This fee is incurred whenever Wells Fargo has a stop payment online or by phone for a paper item like a money order or a check
  • Wire transfer fee: $15 per transfer if the transfer is within the United States or $30 per transfer if it’s to an account outside the United States
  • Cash deposit processing fee: $.30 per $100 deposited into the account
  • Wells Fargo credit card initial APR: 0% for the first 18 months then between 15.49%-24.99% depending on the contract

How to Contact Wells Fargo

Wells Fargo has a dedicated contact page you can utilize to contest the fee for us to many of the questions about your bill or credit or debit cards. They have separate pages for different requirements or inquiries, so you should be routed to someone who can address your problem relatively quickly.





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