Wells Fargo Reviews

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About Wells Fargo

Wells Fargo (NMLS #399801), one of the biggest financial services companies in the country, provides home purchase and refinance loans in all 50 states. You can check rates online and then apply online, over the phone or in person with a local mortgage consultant. Loan options with Wells Fargo include conventional and government-backed loans, as well as jumbo loans and loans for new construction properties. As of the publishing date, Wells Fargo has temporarily suspended applications for home equity lines of credit (HELOCs).

Pros
  • Free online banking and mobile app
  • Free money transfers
  • Large selection of financial products
Cons
  • Low interest rates on savings accounts

Helpful Reviews

Laveen, AZ
Verified purchase
I deposited a $4,000.00 check from one of my bank accounts into my Wells Fargo checking account via their ATM, but I was only credited $4.00. I asked the branch manager to correct...

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Rexburg, ID
Verified purchase
These guys are the best banking institution we have ever worked with. They protect your account fiercely and provide you the tools to manage your money wisely. Additionally they h...

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What is Wells Fargo Bank?

Wells Fargo provides banking, investment and mortgage services as well as commercial and consumer financing at 7,600 locations in 32 countries and territories around the globe. Wells Fargo mobile banking gives customers the ability to link their checking, savings, credit card and investment accounts all in one place. Customers can also deposit checks from their phones with the Wells Fargo app.

Wells Fargo financial services

Wells Fargo offers multiple products and services, including checking, savings accounts, credit cards and loans.

Wells Fargo checking accounts
Wells Fargo has five different options for personal checking accounts — Everyday, Preferred, Portfolio, Teen and Opportunity. Businesses can select from Simple, Choice Platinum and Analyzed checking accounts. Most personal and business checking accounts require a $25 deposit to open.
Wells Fargo savings accounts and CDs
Wells Fargo offers two savings account options, Way2Save and Platinum Savings. Wells Fargo also offers CDs, which require at least a $2,500 minimum opening deposit. CDs are available at fixed rates and step rates.
Wells Fargo loans
Wells Fargo offers multiple loan types, including student loans, auto loans and mortgage loans to help you buy, refinance or renovate a home. The bank offers low-APR personal loans and lines of credit ranging from $3,000 to $100,000. Wells Fargo also provides loans and lines of credit for businesses.
Wells Fargo credit cards
Wells Fargo has several credit card options. Almost all Wells Fargo cards have a cash back or reward program, and a few have no annual fee.
Wells Fargo retirement services
Wells Fargo offers traditional and Roth IRAs. You can also invest in mutual funds and manage your portfolio yourself or with the help of a Wells Fargo investment professional. The WellsTrade Mutual Fund Screened Listed makes investing simple by pre-screening mutual funds. Wells Fargo Advisors, a full-service brokerage, is available to customers to help with investment planning. You can also invest directly online and automate your investing through the Wells Fargo Intuitive Investor.
Wells Fargo merchant services
Wells Fargo makes running a business easy with payment processing that allows you to accept card payments onsite, online or wherever you might be. Mobile payments are available for Apple Pay, Google Pay and Samsung Pay. Wells Fargo benefits for business owners also include Clover point-of-sale systems customized fit your business needs.

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Wells Fargo Reviews

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    Page 1 Reviews 0 - 20
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    Customer ServiceStaff

    Reviewed May 28, 2026

    We moved to mexico, from Washington state. We've let them know this. Every single purchase I try to make gets rejected. We have to call over and over to get our account "unblocked". Just for it to immediately be blocked again. We've been hung up on about 13 times total in the past week. They don't have any control over their own banking system. It's all automated, and they can't do anything about it. I tried to buy groceries, and it got rejected and unblocked 4 times in 30 minutes. By the time we got home, we couldn't use the dairy products or meats. I've been told that it will keep happening, and they can't help. I've basically been banned from being able to spend my money, unless I have their consent. I didn't realize traveling/ moving wasn't allowed. Just bad business all around. Next year would have been 10 years of banking with them, but I guess not anymore.

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    Customer ServiceStaff

    Reviewed May 27, 2026

    In 50 yrs with this company, the worst call to customer service ever, makes me want to switch banks!! I wasn't transferred to 5 different people just to get 2 questions answered, they cut you off while you're talking and transferred you to others. The people working these days in any business, is just for the paycheck and couldn't care less about the customer!! (Very few are caring.) I will do my best not to call C. Service anymore until I find another bank!!

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      Staff

      Reviewed May 26, 2026

      Wells Fargo is very helpful friendly and explain everything to you when you’re setting up an account.

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      Customer ServicePunctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed May 23, 2026

      In April, I was a victim of identity theft. Hackers accessed my laptop, took over my Wells Fargo account, and used Bill Pay to transfer $35,000 out of my Wells Fargo Checking account. When I immediately reported the fraud, Wells Fargo’s customer support was lukewarm, reluctant, and completely negligent. They did zero investigation and quickly denied my fraud claim, falsely claiming the transfer was authorized because it came from a "valid device." I had to do all the detective work myself. I tracked down the destination institution, Interactive Brokers (IBKR), and contacted them. Even though I was not their customer, Interactive Brokers was incredibly helpful. They acted immediately to freeze the account, disconnect the hackers' devices, and secure my $35,000 intact.

      I filed reports with the LAPD, the FBI (IC3), and Identity Theft.gov. Even after I handed Wells Fargo the police reports and fraud case numbers, they refused to lift a finger. Interactive Brokers literally told me, "The money is safe; we just need Wells Fargo to contact us to request the return." Wells Fargo still refused to cooperate. Out of options, I filed an official complaint with the Consumer Financial Protection Bureau (CFPB). Only after the federal government intervened did Wells Fargo’s Executive Office finally call me. Two days later, they finally contacted Interactive Brokers and returned my money. Wells Fargo will abandon you if you are a victim of cybercrime. A company where I didn't even have an account did more to protect my money than Wells Fargo did. Move your money elsewhere.

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      Refunds & Payouts

      Reviewed May 22, 2026

      Horrible experience! We had a fraud on our account. It looks them more than 2 months to get our money back. After this, they told us, they will close the account for security. Going to the branch, to open a new account, we have been told, Wells Fargo decided to end the relationship. 😀 😄 😉 So we also closed 3 more accounts with them, of course!

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      Customer ServicePunctuality & SpeedStaffBillingTimeliness

      Reviewed May 21, 2026

      The Goodyear, AZ Wells Fargo branch has consistently provided the worst customer service I have experienced! The branch is chronically understaffed. While the lobby is often full of waiting customers, employees are frequently seen sitting at desks staring at their computers instead of assisting people. Simple requests, such as a PIN number change, require long wait times and cannot be handled quickly at the teller window — unlike Mountain America Credit Union, where this can be done immediately.

      Even more frustrating is that you cannot obtain a new ATM card or credit card the same day during a branch visit. Again, this is something Mountain America Credit Union handles efficiently in one visit. After being loyal customers for over 15 years, the ongoing inefficiencies and poor service have become unacceptable. We will be closing our accounts in the near future due to these repeated issues.

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      Refunds & PayoutsTimeliness

      Reviewed May 20, 2026

      I opened an account in Wells Fargo on March 20, 2026, but the next day I got a mail from Wells Fargo bank and I was told that there was an issue with my check and my account would be closed on 4/6/2026, actually there was nothing wrong with the check I deposited since the funds had been transferred to the new account from my other bank account. Then Wells Fargo consistently refused to refund my money. I have contacted the bank to refund my money for 5 times, each time, they told me that I would receive the refund in one week, but it never happened. So far, it has been two months-as of today, and Wells Fargo still haven't returned my money. It is truly unbelievable. I feel like I am robbed by Wells Fargo.

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      Customer ServiceStaff

      Reviewed May 20, 2026

      Customer service sucks so much. Been banking with WF my whole life and never once have I encounter this pathetic Customer service. Instead of understanding and helping. They are getting mad. How do they even get the job with such an attitude? Go get a different job if you can't even control your anger.

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      Customer ServiceStaff

      Reviewed May 15, 2026

      Branch Manager, Norma **, refused to deposit my 401K check into my savings account because I complained of the racist behavior of her employee. I requested NORMA ** to contact the information on my retirement check and she refused. I requested that she deposited my check into my savings and it will clear in the 5 to 7 days hold placed on checks. NORMA refused stating that service is no longer available. NORMA'S behavior was perceived as very condescending and racist. She needs training on good customer service and not getting caught up in her evil feelings.

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      Customer ServicePunctuality & SpeedBilling

      Reviewed May 12, 2026

      I was with this bank for over 6 years, I never had any issues with them until there was fraud on my acct. due to a deposit that came thru electronically, I went into the bank to discuss the matter at hand, we were there for an hour or more, we left the bank and I got a call from their fraud department telling me, "I am sorry to inform you that we will no longer allow you to bank here." They turned off our atm cards, they refused money to come in. All my bills bounced and they still have not returned us our money that was in the acct, Come to find out it was Wells Fargo bank that made the error and they refuse to acknowledge me, meanwhile I am behind in bills. Thanks to this creep that runs the banks and the fraud team, We have been waiting a month now and they still won't give us our money, This is ridiculous and untrusting bank. I will never ever speak good about wells Fargo ever again. STAY AWAY from this bank.

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      Customer ServicePunctuality & SpeedMaintenanceStaffTimeliness

      Reviewed May 12, 2026

      Always a problem with WF. CASH DEPOSITS suddenly are not available the next day. They should be available immediately. STAFF - what staff? CALL - wait an hour until they answer or not. ATM - always breaking down.

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      Customer ServicePunctuality & Speed

      Reviewed May 7, 2026

      I had a bad experience with the South Park Branch. I have been a Wells Fargo customer for more than 30 years. I will never go to the South Park Branch again. They were short with me, said I had wait 45 minutes to see a personal banker, and suggested call the 1-800- number.

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      Reviewed May 6, 2026

      I found a customer's card named Miss Myers. I was put on hold for 35 minutes trying to report one of their customer's cards lost. Then put on hold for another 20 minutes trying to get their card sorted out. Then after all said and done they told me to throw it away. Damn I would never bank with Wells Fargo.

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      PriceHonesty & Transparency

      Reviewed May 4, 2026

      Signed up for a Wells Fargo checking account years ago which I do not use regularly. I made sure to deposit the minimum needed to avoid monthly service fees. They silently began charging me a service fee after burying the notice in monthly statements (I have never overdrawn). They never sent a separate notification and had me agree to the new terms of service. DO NOT USE THEIR SERVICES. There's no telling what new hidden/surprise fees they will charge you and are unwilling to reverse these fees. They are able to steal from you by hiding behind shady rules and practices.

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      Staff

      Reviewed May 3, 2026

      They are the kinds of sorry but never help. Most worthless bank. If you have any money other than paychecks, run far from this bank.

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      Verified purchase
      StaffLoan ProcessTransparencyHonesty & Transparency

      Reviewed April 30, 2026

      A Volkswagen dealership put me in business with Wells Fargo with an auto loan. The dealership staff were extremely dishonest and told me that a total of more than $10,000 of additional products and services were required in order to get a loan. This was Gurnee Volkswagen. My spouse and I were both present and we were basically kept at the dealership in an effort to confuse and distort information which eventually worked. Horrific experience. After leaving the dealership, we were shaking. We soon realized looking at the documents, they had taken us to the cleaners and inflicted emotional harm on two older adults with severe medical problems.

      Wells Fargo Bank was contacted, and I informed them of the problems. Every detail of the horrific encounter was explained to the complaints department. We soon got a "kiss of" letter stating that basically we signed the papers and closed the case. Wells Fargo inflicted additional insult by sending us copies of the documents which we were already aware of. It is my belief that Wells Fargo does not care about the individual customer. I believe they are only concerned about the companies who pads their pockets with not only loan business, but financing additional products such as we were forced to buy.

      When we finally got the dealership to cancel some of the products, they sent a check to Wells Fargo bank to be applied to our account, but they are now refusing to do so. After speaking with several departments at Wells Fargo, none of them can nor will post the check (which they did cash) to the account. I contacted the dealership to inquire if they had cancelled the check or something; looking for any explanation for the actions of Wells Fargo but there are no reasons to be had except Wells Fargo Bank is playing games or else.

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      Customer ServiceContract & TermsPricePunctuality & SpeedRefunds & PayoutsStaffLoan ProcessTransparencyCommunication

      Reviewed April 29, 2026

      I had an extremely frustrating and disappointing experience with Wells Fargo during my mortgage loan process. What should have been a straightforward transaction turned into months of wasted time, unnecessary expenses, and poor communication. From the very beginning, I provided all necessary information about the property, including details that should have immediately flagged that the community only accepts FHA loans. Despite this, I was guided down the path of a conventional loan for weeks. This was not a small oversight—it was a fundamental mistake that any competent lender should have caught early in the process.

      As a result of their negligence, I was encouraged to move forward with steps that cost me money out of pocket, including an $882 appraisal, only to later be told that the loan type I had been pursuing was not even an option. This error alone reflects a serious lack of due diligence and professionalism. What made the situation worse was the lack of accountability and clear communication. I had to repeatedly follow up for updates, and critical issues were not addressed until far too late. By the time the mistake was acknowledged, I had already lost significant time and money, putting unnecessary stress on an already important financial decision.

      This experience has been incredibly disappointing. When working with a lender—especially on something as significant as a home purchase—you expect accuracy, transparency, and guidance. Unfortunately, that was not my experience with Wells Fargo. I would strongly caution others to double-check everything and consider alternative lenders who take the time to thoroughly review details upfront and communicate effectively throughout the process.

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      Reviewed April 28, 2026

      I've recently opened a checking account with $160,000.00 and within 2 days, these soulless monsters began snide little tricks to hold up any financial obligations I have to meet on a timely basis. After expressing my desire to withdraw my funds and close the account, I was told that my recent spending was erratic and suspicious. Whoever asked for any money advice? Certainly I never did. In essence, they should be shut down and dissolved!

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      Customer ServiceStaffBilling

      Reviewed April 27, 2026

      1) 3 bars of music repeated over and over on hold for 30 min. Imagine listening to only 3 bars of la-la-lala-la-la-lala-la...for 30 min over and over - that is the first crazy offensive non-sensitive customer treatment. Then you finally get through and try to ask agent to please allow customers to choose option for no music, and then that never gets fixed, again every year to year every time you call they cannot even provide full song, or option for peace during 30 min holds, or play something else than 3 music bars over and over - that is mental abuse!

      2) They freely without any notice change master data records, all the time. Business Checking for example they place ridiculous ATM limits that even personal checking ATM limit is higher, while having high $$$ amount on accounts, they dare to limit you at ATM without notice, without being allowed to change your master data limit defined, to totally shut you from operation, or timely payment. Terrible!!!! 3) They never give business checking allowed credit - I am over 18 years with them, never once, after my successful business operation were they willing to give credit for anything - terrible services and inhumanly repetitive, rethermed music treatment!

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      Customer ServiceContract & TermsStaff

      Reviewed April 24, 2026

      One star is actually too much for this branch since Mrs. K. ** left this office! For many years my wife and I have been a customer at this Branch and knew Mrs. Karina ** since she starting to work at this office, a person we trusted, when we lived in Boston and She was our preferred Banker!! Since she left this Branch, service became a joke, unprofessional worker took over handling our account and being very rude on the phone with me, interrupted me while talking to her, when she complained about my wife's email she received after writing my wife a FORM letter, like we were customers NOT KNOWING the rules, regulations and bank agreements!! We are really not appreciating this kind of treatment and we are appalled how this ended! This Branch is going down like a sinking ship, with the kind of service been provided from now on!!

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      Wells Fargo fees

      Wells Fargo’s monthly service fees for checking accounts range from $0 to $30, though service fees are waived for teenagers and college students between 17 to 24 years old. Monthly service fees for business checking accounts range from $10 to $40. The bank charges a $5 or $12 monthly fee on savings accounts. Wells Fargo's checking account fees can be avoided by maintaining a specific average balance or completing a minimum number of transactions each month. Also, expect fees for late credit card payments and overdraft charges unless your checking and savings accounts are linked.

      Wells Fargo check cashing fee
      You only have to pay a Wells Fargo Bank fee to cash a check if you don’t have an account. The cost for nonmembers to cash a check at a Wells Fargo bank is $7.50.
      Wells Fargo transfer fee
      It costs $0 to transfer money between Wells Fargo accounts or for bank-to-bank transfer service.
      Wells Fargo overdraft fee
      Wells Fargo charges a $35 overdraft fee per item.
      Wells Fargo ATM fee
      ATM fees are $0 for Wells Fargo customers when they use a Wells Fargo ATM. Cash withdrawals at non-Wells Fargo ATMs are $2.50 each, and account balance inquiries are $2 each.
      Wells Fargo foreign transaction fee
      Wells Fargo’s foreign transaction fees reach up to 3% on some accounts. Outside of the U.S., ATM cash withdrawals are $5 each and ATM accounts transfers are $2 per transfer.
      Wells Fargo cash advance fee
      Wells Fargo’s cash advance fees are up to $12.50 per transaction. Credit advances vary based on the account.

      Wells Fargo Bank FAQ

      Does Wells Fargo have 24/7 customer service?

      Yes, Wells Fargo has 24/7 customer service available by phone and online.

      Is Wells Fargo a commercial bank?

      Yes, Wells Fargo provides commercial banking services and products for individuals and businesses.

      What states have Wells Fargo banks?

      Wells Fargo has locations throughout the U.S. in all states except Hawaii, Oklahoma, Missouri, Michigan, Indiana, Ohio, Kentucky, West Virginia, Louisiana, Vermont, New Hampshire, Massasschetts, Rhode Island and Maine.

      What are Wells Fargo’s dealer services?

      Wells Fargo’s dealer services provide indirect auto financing, commercial products and banking services to auto dealers.

      How old do you have to be to open a bank account at Wells Fargo?

      You can open a Wells Fargo account with a parent or guardian at 13 years old. You must be at least 18 years old to open an account on your own.

      Still have questions?

      Is Wells Fargo a good bank?

      Wells Fargo offers many options to handle your financial needs, including checking and savings accounts, credit cards, investments and loans. Compared to other banks, interest rates and fees are average. Overall, Wells Fargo’s products and services are robust and allow you the convenience to bank however and wherever you like.

      Wells Fargo Company Information

      Company Name:
      Wells Fargo
      Year Founded:
      1852
      Address:
      420 Montgomery Street
      City:
      San Francisco
      State/Province:
      CA
      Postal Code:
      94104
      Country:
      United States
      Website:
      www.wellsfargo.com