Unsure about the type of Wells Fargo account you hold? You're not alone! Many Wells Fargo customers find themselves in this exact situation, especially if they opened their account a while ago or have multiple accounts. Knowing your account type is crucial for managing your finances effectively, understanding your benefits, and avoiding unnecessary fees. But don't worry, this comprehensive guide will walk you through every step to identify your Wells Fargo account type with ease.
Let's dive in and demystify your Wells Fargo account together! Ready to uncover the secrets of your financial setup?
Step 1: Start Your Journey Online – The Most Convenient Path
The Wells Fargo online banking platform is often the quickest and most straightforward way to determine your account type. If you haven't already, enrolling in online banking is a smart move for managing all aspects of your Wells Fargo accounts.
Sub-step 1.1: Log In to Your Wells Fargo Online Account
First things first, open your web browser and navigate to the official Wells Fargo website (
Sub-step 1.2: Navigate to Your Account Summary or Account Details
Once you're logged in, you'll typically land on a page that displays a summary of all your Wells Fargo accounts. Look for a section that lists your checking accounts, savings accounts, credit cards, loans, or any other products you have with Wells Fargo.
- Click on the specific account you want to identify. This action will usually take you to a dedicated "Account Details" or "Account Summary" page for that particular account.
Sub-step 1.3: Locate the Account Type Information
On the Account Details page, carefully scan for information related to your account type. It's often clearly labeled. Look for headings or fields such as:
- "Account Type"
- "Product Type"
- "Account Name"
- "Account Description"
You might see terms like:
- Everyday Checking
- Preferred Checking
- Portfolio by Wells Fargo
- Clear Access Banking
- Way2Save Savings
- Platinum Savings
- CD (Certificate of Deposit)
- Money Market Account
- Wells Fargo Active Cash℠ Card
- Wells Fargo Autograph℠ Card
Make a note of the exact wording you find, as this is your account type.
Step 2: Utilize the Wells Fargo Mobile App – Your Account in Your Pocket
If you're more of a mobile banking person, the Wells Fargo mobile app offers a similar user experience to the online platform for identifying your account type.
Sub-step 2.1: Open and Log In to the Wells Fargo Mobile App
Download and install the official Wells Fargo Mobile Banking App from your device's app store (Google Play Store for Android or Apple App Store for iOS). Once installed, open the app and log in using your Username and Password. Many users also have Touch ID or Face ID enabled for quicker access.
Sub-step 2.2: Select the Account You Want to Identify
Similar to the online banking platform, the app will display a list of your accounts. Tap on the specific account whose type you wish to determine.
Sub-step 2.3: Find the Account Type Information in the App
Within the account details screen of the app, you'll find the account type listed. It might be near the top of the screen or within a section labeled "Account Details" or "Summary." Just like the website, look for descriptive terms indicating the type of account.
Step 3: Examine Your Bank Statements – A Paper Trail of Information
Your monthly bank statements are a treasure trove of information about your account, including its type. This method is particularly useful if you prefer physical records or haven't set up online banking.
Sub-step 3.1: Locate Your Recent Wells Fargo Bank Statement
You can access your statements in a few ways:
- Paper Statements: If you receive paper statements, find your most recent one.
- Online Statements (eStatements): Log in to Wells Fargo Online Banking (as described in Step 1) and navigate to the "Statements & Documents" section. You can view and download your eStatements there.
Sub-step 3.2: Review the Statement Header or Summary Section
Once you have your statement (physical or digital), look at the top portion of the first page. The account type is typically prominently displayed in the header, often right next to your account number. It might be part of a summary section that details your account information.
- Be sure to distinguish between your account number and your account type. While your account number is a series of digits, your account type will be a descriptive name.
Step 4: Contact Wells Fargo Customer Service – When All Else Fails
If the above methods don't yield the information you need, or if you simply prefer speaking to a representative, Wells Fargo customer service is there to help.
Sub-step 4.1: Gather Necessary Information
Before calling, have the following information ready to verify your identity:
- Your full name
- Your account number(s) (if you have them)
- Your Social Security Number (SSN) or Tax Identification Number (TIN)
- Your date of birth
- Your address
Sub-step 4.2: Call the Wells Fargo Customer Service Line
Dial the main Wells Fargo customer service number. You can usually find this number on the back of your debit card, on your bank statements, or on the Wells Fargo website's "Contact Us" page. As of my last update, the general customer service number for personal accounts is 1-800-869-3557. Be prepared for automated prompts before you can speak to a live representative.
Sub-step 4.3: Clearly State Your Request to the Representative
Once you're connected with a representative, clearly explain that you want to know the type of Wells Fargo account you have. Provide them with the necessary information to verify your identity. They will then be able to look up your account details and tell you the exact account type.
Step 5: Visit a Wells Fargo Branch – For In-Person Assistance
For those who prefer face-to-face interaction or need additional assistance, visiting a Wells Fargo branch is always an option.
Sub-step 5.1: Locate Your Nearest Wells Fargo Branch
Use the Wells Fargo website's "Locations" or "ATM & Branch Locator" tool to find a branch near you.
Sub-step 5.2: Bring Identification and Account Information
When you visit, bring at least one form of valid government-issued photo identification (e.g., driver's license, passport). If you have your debit card or account number, bring those as well, as they can expedite the process.
Sub-step 5.3: Speak with a Teller or Personal Banker
Explain to the teller or personal banker that you need to identify your Wells Fargo account type. They will ask for your identification and may ask a few security questions to verify your identity before providing you with the information. This is a great opportunity to ask any other questions you might have about your account.
By following these steps, you will confidently be able to identify your Wells Fargo account type, empowering you with a clearer understanding of your financial products.
10 Related FAQ Questions
How to find my Wells Fargo account number?
Your Wells Fargo account number can typically be found on your checks, bank statements (physical or online), or by logging into your online banking or mobile app and navigating to the account details.
How to tell the difference between a checking and savings account at Wells Fargo?
Checking accounts are designed for frequent transactions and bill payments, often with a debit card, while savings accounts are for accumulating funds and typically offer interest, with limited transactions. Your account type listed will explicitly state "Checking" or "Savings."
How to identify if I have a joint Wells Fargo account?
Joint accounts will typically have "Joint" or "Co-Owner" listed alongside the account details on your statements or within the online banking platform, and both account holders' names will be associated with the account.
How to view my Wells Fargo account balance online?
Log in to your Wells Fargo online banking or mobile app. Your account balances will be prominently displayed on the main dashboard or summary page after you sign in.
How to get a printout of my Wells Fargo account details?
You can print your account details by accessing your eStatements through online banking and printing them, or by visiting a Wells Fargo branch and requesting a statement or account summary.
How to understand the different Wells Fargo checking account types?
Wells Fargo offers various checking accounts (e.g., Everyday Checking, Preferred Checking, Clear Access Banking) each with different features, minimum balance requirements, and fee structures. You can find detailed descriptions on the Wells Fargo website or by speaking with a banker.
How to know if my Wells Fargo account has monthly fees?
Information about monthly fees is usually detailed in the account disclosures provided when you open the account, on the Wells Fargo website for your specific account type, or by checking your bank statements for "Service Fees" or "Monthly Maintenance Fees."
How to close a Wells Fargo account if I don't need it?
To close a Wells Fargo account, you can typically do so online (for certain accounts), by calling customer service, or by visiting a Wells Fargo branch. Ensure your balance is zero and transfer any recurring payments before closing.
How to switch my Wells Fargo account to a different type?
To switch your Wells Fargo account type, it's best to speak with a personal banker at a Wells Fargo branch or call customer service. They can guide you through the process and explain any implications.
How to find my Wells Fargo routing number?
Your Wells Fargo routing number can be found on your checks (the first set of nine digits at the bottom left), on your bank statements, or on the Wells Fargo website by searching for "routing number" and your state.
