B+ MyBankTracker Rating

Wells Fargo

About Wells Fargo

Wells Fargo Bank is a “big four bank” in the U.S. and is often associated with the West Coast, even though its first branch opened in New York City. The San Francisco-based bank was founded by Henry Wells and William Fargo in 1852. Branded by its signature red and yellow stagecoach, Wells Fargo has a retail store or ATM location within two miles of nearly half of the population in America. If you were to take a ride on that stagecoach to get to the nearest branch, it would get you there at a speed of 10 miles per hour.

Wells Fargo logo

MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful Wells Fargo Bank Customer Reviews

  • M
    Reviewed By Marsbar Jan 5, 2014

    Wells Fargo is a Horrible Bank

    My credit is good, no late payments and basically no balances on credit cards. Have had two mortgages with Wells Fargo and both paid in full on time. This is the second time I have asked for a small personal loan and always get told no. No discussion nothing just a quick no. They don't care about their customers.

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  • K
    Reviewed By kristenQ Dec 17, 2013

    Terrible!

    I'm a very dissatisfied customer. I have used this bank for years, as well as my family. Their customer service is usually very unfriendly (with exceptions) I work customer service so I'm not blind to the struggles of dealing with people all day but I would never speak to a customer the way some of them have spoken to me. I have gotten so many unexplained charges to my account that I always have to call about.

    The Bank actually usually reverses them offering me nothing more than "oops, we weren't supposed to charge you, you're correct". In the past I was charged a $35 overdraft fee and I called and explained the order of my transactions and they agreed that they were incorrect and reversed the charge. Makes me wonder if I had never said anything what would have happened? I always say I'm going to leave this bank because of these issues but it is too much work to transfer everything over which has always deterred me, until today. Recently I had $10 in my account and was charge a $15 "excess activity fee" for making too many transfers from my savings to checking and because of that fee I was charged another $12 for not having enough money in my account to cover the $15. I called and they said all they could do was refund have of one of the fees, not very helpful. I have not touched my account for a couple of days leaving it with a -$16 balance because I couldn't be bothered to pay to put my money in the bank, so today I was charged another $35 fee for my account being negative. Literally the only reason I was charged any of these additional fees is because of the initial fee. I called and they said there was nothing they could do to help me. I will be closing my account once I get together $60 to pay them for touching my own money too often.

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  • MK
    Reviewed By Mr. K. Jan 26, 2014

    Progressively worse

    Wells Fargo keeps on coming up with new legal ways to steal your money. The most recent? They've increased the minimum daily balance for a regular checking account from $200 to $1500 charging $7 for a maintenance fee. GET OUT if you are currently with them, DON'T JOIN if you're looking for someone to bank with. Customer service is the only thing this company has going right for it.

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
  • Domestic Wire Transfer (Inbound) N/A 0
  • Non-Bank ATM N/A