Your new checking account Getting started guide

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1 Your new checking account Getting started guide

2 Welcome to checking made easy At Wells Fargo, our checking accounts are designed to simplify your everyday finances so you can enjoy more of life. To make things easier for you, we developed this Getting Started Guide to help you understand your checking account. This guide includes easy-to-digest information about important account functions, from making deposits, to keeping track of your checking account transactions. You ll find a handy list of banking terms and definitions, as well as helpful tips to get the most out of your new account. You ll also discover ways to avoid fees and develop good money management habits, which will help you build a solid financial history. Here for you today and tomorrow If you have any questions, feel free to visit a Personal Banker in any of our banking locations during normal business hours, visit Wells Fargo Online Banking at wellsfargo.com, or call us at TO-WELLS ( ) 24 hours a day, 7 days a week. Want to learn more about financial matters? Visit Hands on Banking Wells Fargo s award-winning financial education program. (English) handsonbanking.org (Spanish) elfuturoentusmanos.org Table of contents 1.0 Money in how to make deposits 2 Adding money to your account 2 Direct deposit 3 Preparing your deposit 4 Understanding deposit holds Money out how to make withdrawals 6 Accessing your money 6 Your Personal Identification Number (PIN) 6 Wells Fargo ATMs 7 Your Wells Fargo Debit Card 8 Writing checks Money management tips 10 Record your transactions 10 Overdraft services 11 How overdraft services work 12 Important information about your available balance 14 Text banking 15 Review your monthly statement 15 Safeguard your account 16 Most common fees and how to avoid them Other useful accounts and services 17 Savings account 17 Start saving today 18 Automatic transfers 19 Global Remittance Services 19 Wells Fargo Credit Card Glossary key terms for you to know 20 1

3 Money in how to make deposits Adding money to your account There are many ways to add money to your account: Direct deposit: Setting up direct deposit of your paycheck or other income into your account is easy, safe, and convenient giving you immediate access to your money. ATM: Wells Fargo ATMs are available 24 hours a day, 7 days a week and are a convenient, safe and easy way to deposit money into a checking account. Wells Fargo banking locations: Visit any Wells Fargo banking location to make your deposit during bank business hours. Transfers: You can transfer money to your checking account from other Wells Fargo accounts at Wells Fargo ATMs, online, or at a banking location. Automatic transfers: You can set up recurring transfers from one Wells Fargo account to another. You choose the day and the amount you wish to transfer at time of setup. Wells Fargo Mobile Deposit: You can also securely deposit checks directly into your eligible account using your mobile device. 1 Set up direct deposit and have immediate access to your paycheck or other income on payday. Most employers and government agencies offer direct deposit. Direct deposit With direct deposit, instead of receiving paper checks, you can have your paychecks or federal benefit payments automatically deposited into your bank account. Here are some key benefits: It s convenient You ll have immediate access to your money without running to the bank to deposit your check first even when you re on vacation, home with a cold, or just too busy to get to the bank It s safe Your funds are automatically deposited into your bank account. You will not have to worry about delayed, lost, or stolen paper checks It s easy It s easy to arrange for direct deposit of your paycheck to your Wells Fargo account: Make sure your employer processes direct deposits Give your employer your routing and account numbers from the bottom of one of your checks or deposit slips (see illustration on next page). For direct deposit of your Social Security or other federal benefits, visit a Wells Fargo banking location and we ll arrange it on your behalf. See how direct deposit can make your life easier Compare payday experiences of two people: Both work for ABC company, which offers direct deposit. Both are paid on the first of every month. Mary has set up direct deposit, but Jerry has not. Jerry has to be at work to pick up his check. Jerry has to take time out of his day to go to the bank to deposit or cash his check. To find out more about direct deposit, check out wellsfargo.com/help/self_service/direct_deposit Mary s check is deposited automatically into her account on payday. Mary s money is already in her account and available for use. Even if Mary is sick or on vacation, her money is deposited automatically. 1. Money in1. 2. Money out 3. Money management 4. Other useful services 5. Glossary 2 1 Mobile Deposit is supported on Android devices (2.1+), iphones (ios 4.3+), and ipads with a camera (ipad 2+) running ios 5+ 3

4 Preparing your deposit You can make deposits at a Wells Fargo Envelope-Free ATM or via Wells Fargo Mobile Deposit. You can also make deposits with a bank teller or by mail. Deposit slips are not needed at Envelope-Free ATMs or with Mobile Deposit. Example of a deposit slip 1. Money in 1 Account number: This number ensures that the money is deposited into the correct account. If you do not have your account number with you, your banker can provide the information to you. 2 Bank Routing Number (RTN): This is the nine-digit number also found on the bottom left-hand corner of your checks, to the left of your account number. You ll need this number to set up direct deposit. 3 Your information: Your name is preprinted or written in. Write in today s date. 4 Cash: If depositing cash, write the amount. 5 Checks: If you are depositing checks or money orders, list them separately here on the front, and use the back if necessary. 6 Subtotal: Write the total amount of your deposit. 7 Less cash received: Write the amount of cash you would like to get back from the checks you are depositing. If you are depositing a check and would like cash back, you must sign the deposit slip and provide identification to the bank teller to confirm you are the account holder. 8 Total: Subtract the amount, if any, on the line Less Cash Received from the Subtotal, and record the total amount being deposited here. Understanding deposit holds What is a deposit hold? Occasionally, the bank may place a hold on a deposit you make. A hold may be placed either at the time of the deposit or based on information Wells Fargo learns later. If a hold is placed on a deposit, you will be notified of the hold either by the teller, by mail, , or at the ATM. Common reasons for holds: Your account has frequent overdrafts or returned unpaid checks Deposit amount is larger than your available balance or out of pattern with your past deposit activity You are re-depositing a check that has already been returned unpaid Paying bank notifies Wells Fargo that the check you are depositing will be returned unpaid What your options are once you ve been notified in person of a hold: Deposit the check and wait for the hold to expire Do not deposit the check Cash the check at the bank from which the check is written, and then deposit the cash to your account If a hold is placed on your deposit, the money is not available for you to spend or withdraw. It is always important to know your available balance 2 before you spend your money. To stay on top of your account balances, use online banking or mobile banking 3 to confirm that your deposit is available and included in your available balance. Sign up for access to Wells Fargo Online Banking and provide us with your address. We will notify you via if a hold is placed on your deposit. 2. Money out 3. Money management 4. Other useful services 5. Glossary 4 2 This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant. 3 Your mobile carrier s message and data rates may apply. 5

5 2. Money out how to make withdrawals Accessing your money There are many ways to access money in your checking account: Get cash at ATMs 4 Write a check Use your debit card for purchases Use Online Bill Pay You can make signature-based purchases and payments at participating retailers and service providers including online or by phone or use a Personal Identification Number (PIN) to make debit card purchases from participating merchants and get free access to cash at over 12,500 Wells Fargo ATMs nationwide. Although your debit card has a Visa symbol on it, it is not a credit card. When you use your debit card, the money is deducted from your primary linked checking account. Please note that some debit card transactions may take several days to post to your account or could post the same day. Your Personal Identification Number (PIN) You must set up a PIN in order to use your debit card at the ATM and to make purchases. For your safety and the security of your account, keep your PIN a secret. Do not carry this number with you or share it with anyone. You may want to change it every so often. When you use your debit card at a store, you may be given the option of selecting debit or credit. Either way, the money will be deducted from your primary linked checking account. The only difference at checkout between these options is: If you select debit you will be asked to input your PIN If you select credit you may be asked to sign a receipt or simply swipe the card and go Wells Fargo ATMs Wells Fargo has more than 12,500 ATMs coast to coast most available 24 hours a day, 7 days a week offering quick, convenient access to cash, deposits, and more. Our ATMs remember your favorite transactions, such as the amount of cash you typically withdraw, to make your ATM experience even faster and easier. 1 Favorites The ATM remembers and displays your two most frequent transactions so getting your cash can be as simple as hitting one button. 2Show Balances Provides the option to show or hide a snapshot of your account balances. 3Balances & Statements Stay up-to-date on your account. Print the last 10 5 transactions or balances of your linked accounts. 4 Buy stamps Avoid a trip to the post office and buy stamps directly from one of our ATMs. 5 5 Transfer Transfer money between your linked accounts. 6ATM Cash Tracker Track your monthly ATM withdrawals and set a target withdrawal amount. 7Customized Menu Each ATM screen is customized just for you, based on your personal transaction history. 8 More Choices Access additional Wells Fargo products and services. Be sure to keep track of all your deposits and withdrawals to avoid spending more money than you have in your account and incurring unnecessary fees. 1. Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary 6 4 When making a financial transaction or balance inquiry at an ATM not owned by Wells Fargo, we may charge you a fee and you may be charged a fee by the ATM owner or operator. 5 A fee may apply. 7

6 8 Your Wells Fargo Debit Card 1 Debit card number: This 16-digit number is unique to your card. It is not your checking account number. 2 Expiration date: Your card can only be used until this date. A new card will be automatically sent to your address prior to the expiration date. 3 Visa logo: This symbol means that you can use this card to make signature-based purchases at participating merchants and service providers, such as department stores, restaurants, or online. 4 Customer service number: Call this toll-free number when you have questions about your account. 5 Signature bar: For your protection against fraud, be sure to sign here as soon as you receive your card. 6 CVV (Card Verification Value): When you use your debit card to make purchases over the phone or on the internet, some merchants may require you to supply this number to confirm that you have the card with you. Your Wells Fargo Bill Pay Pay all your bills in one place using only one password. You can pay anyone you d normally pay by check any company or individual in the U.S. You can also use Mobile Bill Pay on-the-go to pay bills, view or cancel pending payments. Writing checks There is a proper way to fill out a check to protect your money. 1 Name and address: This information is preprinted on the check. 2 Pay to the order of: Write the name of the person or company who will be receiving the money. 3 Amount line: Write the amount in words instead of numbers. If the amount does not fill the space, draw a line to the end. 4 Check number: This reference number will help you keep track of your payments by check. Each time you write a check, record the check number, date, payee, and amount in your check register and calculate your new balance. 5 Dollar amount: Write the amount in numbers. 6 Memo: You can write the reason for the check here as a reminder. This is optional. 7 Bank Routing Number (RTN): This is the nine-digit number preprinted on the bottom left-hand corner of your checks, to the left of your account number. The routing number identifies the bank that issued the check. You ll need this number to set up direct deposit. 8 Account number: This preprinted ten-digit number is unique to your account. This is also needed to set up direct deposit. 9 Signature: This should be the last thing you complete. Your signature on the check means that you approve the payment. Write in ink. Write clearly. Record each check in your check/transaction register Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary

7 3. 10 Money management tips Record your transactions Keep accurate records of your deposits and withdrawals Use your check register to record every deposit and withdrawal you make. Keeping track of all your transactions will help you manage your money. 1 Date: Write the date of the transaction. 2 Transaction description: Write the details of your transaction. 3 Withdrawals (subtractions): Write the amount of the withdrawal or payment. 4 Deposit (additions): Write the amount of the deposit. 5 Balance: Add or subtract each transaction to determine your account balance. Don t forget to record any non-check transactions, including deposits, ATM withdrawals, debit card purchases, and automatic transfers to or from your account. * For important disclosures about Overdrafts and Overdraft Fees, see the last page of this brochure. 6 Actual fee may vary and is subject to change. 7 Overdraft Protection advances on credit cards are treated as cash advances. An overdraft fee will be charged each day an Overdraft Protection advance is made and interest will accrue from the date each advance is made. See Consumer Credit Card Customer Agreement and Disclosure Statement for details. Please note that you may also be able to link your checking account to your savings account for Overdraft Protection. No interest is charged on Overdraft Protection transfers from your savings account. However, fees do apply. See the Consumer Account Fee and Information Schedule for your savings account for further details. 8 Not available for certain accounts such as Teen Checking SM, Opportunity Checking, and Savings. Overdraft services* What is an overdraft? An overdraft occurs when you spend more than you have in your checking account. The bank may authorize or pay your transaction (creating a negative balance or overdraft ), decline your transaction, or return your transaction unpaid. If the bank pays the transaction on your behalf, you need to immediately make a deposit or transfer to bring your account to a positive balance. Overdraft Protection (ODP) This service can help you protect yourself from the cost of an overdraft, inconvenience of declined transactions, or returned items. Overdraft Protection is optional and allows Wells Fargo to transfer funds from your linked account to prevent your checking account from being overdrawn if you don t have enough money to cover a transaction. A single Overdraft Protection transfer fee will apply for each day an overdraft protection transfer is made 6 regardless of the number of transactions covered and the fee depends on the type of account used for the transfer (for instance, a linked savings account: $12.50; from a linked Credit Card 7 ** see your credit card agreement for fees related to overdrafts. Interest will accrue from the date each advance is made.) **Subject to credit qualification. See credit card customer agreement and disclosure statement for applicable fees. Debit Card Overdraft Service 8 You can choose how Wells Fargo handles your ATM and everyday debit card transactions in the event there isn t enough money in your checking account at the time of the transaction. If you add the optional Debit Card Overdraft Service*, the bank may approve (at our discretion) your ATM and everyday (one-time) debit card transactions even if you don t have enough money in your checking account or accounts linked for Overdraft Protection. If an ATM or everyday debit card transaction overdraws your account, our standard overdraft fee of $35* will apply There is no fee if your account is overdrawn during the day and you make a sufficient deposit or transfer before the posted cut off time on the same business day. Deposits are subject to our funds availability policy (i.e., the full balance of a check deposit may not be immediately available because of a hold). If you do not add this service, your ATM and everyday debit card transactions will be declined if you don t have enough money in your account or account linked for Overdraft Protection, and you will not be charged overdraft fees on these declined transactions. Transactions that you have established for recurring payments (merchant pulls money from the account on a recurring basis) as well as checks may continue to be authorized into overdraft at our discretion, even if you do not enroll in Debit Card Overdraft Service, and our overdraft fees and policies will apply. Two easy ways to help you avoid overdrafts: 1. Take an active role in keeping track of your transactions. 2. Compare the bank s available balance and account activity to your transaction register before spending Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary

8 Free tools to help you manage your account Wells Fargo makes it easy for you to monitor your spending, to check account activity, and to make transfers to cover your account balance. Online and mobile: You decide how to manage and track your spending Sign up for these convenient services and start managing your account via internet or mobile phone. 9 How overdraft services work* Consider this situation: What would happen if you had $100 in your checking account but you wanted to make a Services to help avoid overdrafts Text Banking 9 Check your available balance before you make a purchase 10 and transfer money. You can quickly request and receive information via text message. Mobile Banking 9 Bank on the go, deposit checks, monitor balances and transfer funds between your Wells Fargo accounts using your phone s web browser. Account Alerts 9 Stay informed. Set up a low balance alert to your or wireless device and be notified as soon as your balance goes below your set threshold. My Money Map Take control of your finances with an online tool that helps you view your spending, budgeting and savings with one click (available within Online Banking) $150 purchase? The chart below shows the outcome of your transaction based upon the types of services you have added to your account. 1. Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary 12 * For important information about Overdrafts and Overdraft Fees, see the last page of this brochure. 9 Your mobile carrier s message and data rates may apply. 10 This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant. 11 Subject to the bank s funds availability policy. Certain pending deposits, specifically a cash deposit or a transfer from another account, that are made after the displayed cutoff time (where the deposit was made) will be included if they are made before we start our nightly process. If you make the deposit or transfer after we start our nightly process, it will not be included in the available balance that night. 13

9 Important information about your available balance 2 When you look at your checking account information online, or at the ATM, you will see your account s current available balance. 2 The available balance is the most current record we have about the money that is available for you to withdraw from your account. It includes all deposits and withdrawals that have been posted (or recorded) to your account, as well as pending transactions that are known to the bank. Your current available balance 2 is the amount we will use to authorize your next debit card transaction or withdrawal at a store or ATM. During the day, these transactions will appear as pending when you look online. Your available balance may not reflect all of your transactions It is still possible for you to overdraw your account, even though the available balance appears to show enough funds in your account. For example, the available balance does not include: Checks you have written or automatic or recurring payments you previously authorized that have not yet been received by the bank for payment The final amount of a debit card transaction (for example, a tip you add to a restaurant purchase) may not yet be included in the purchase amount you see online Debit transactions that have previously been authorized by the bank but not submitted by the merchant for payment within 3 business days, or that were never submitted for authorization Only you know the transactions you have initiated or approved. Using a check register (see page 10) is the easiest way to keep track. Online banking is a great way to compare your records with the information shown by the bank as either still pending or posted. To avoid spending more money than is available in your account, consider the following: Adjust your written record of your available balance shown by the bank for transactions that you have made but are not yet known to the bank, such as checks you have written or the car payment you have authorized for payment on the first day of every month. Review your debit card purchases. The amount of a pending transaction may be different from your finalized transaction if you have added a tip to a purchase. Text Banking Check your account balance via your mobile phone Text Wells Fargo at from your cell phone to get your available balance 2 or review your recent transactions. To find out more about Wells Fargo Mobile Text Banking 3 service, go to wellsfargo.com/textbanking. Staying alert to your account activity To keep on top of your account, sign up to have Account Alerts sent to your mobile device 3 or . You can select alerts for when your available balance falls below a certain amount, a deposit or withdrawal clears, and more. Review your monthly statement Each month you can choose to receive an account statement either in the mail or online. The statement summarizes all your account activity cashed checks, withdrawals, deposits, as well as any fees during the statement period. It is very important that you review your statement each month: Review all your transactions. Verify all transactions against your check transaction register. Double-check your ending balance on your statement with the one in your register. If the balances do not match, identify all transactions not shown on your statement that may be on your register (such as checks you ve written that, as of the end of the statement period, had not yet been processed by Wells Fargo or debit card purchases that had not yet been submitted for payment). Identify any transactions on your statement that you may have forgotten to note on your register (such as a debit card purchase or any fees). Once you have made these adjustments, your statement balance and register balance should match. This is commonly referred to as reconciling your account. 1. Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary 14 15

10 Most common fees and how to avoid them: 4. Other Savings account useful accounts and services A savings account is a safe place to keep and grow money that you may not need to use immediately. With a savings account, you can: Earn interest on the money in your account. Interest rates on savings accounts may vary based on the type of account you choose. Conveniently set aside money for emergencies, vacations, and major purchases, like a car Link your savings account to your checking account for Overdraft Protection Always have funds available whenever you need them Be protected by FDIC insurance up to applicable limits There are many kinds of savings accounts available, including basic savings accounts; Time Accounts, also known as Certificates of Deposit (CDs); and Individual Retirement Accounts (IRAs). Regulation D and the Bank limit certain types of withdrawals and transfers from a savings account to a combined total of six (6) per monthly statement period (exceptions to the statement period may apply) and includes Online Banking (including Mobile and Text Banking), telephone and Overdraft Protection transfers (refer to the Consumer Account Agreement for complete details). For Time Accounts and IRAs, Regulation D requires a penalty of seven days simple interest for withdrawals during the first seven days of the initial term and after certain other transactions. See the Fee & Information Schedule for details). Your banker will be able to explain the features and benefits of your savings account. Experts recommend setting aside at least three months of emergency savings in case the unexpected happens, such as job loss or injury. 1. Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary 16 * For important disclosures about Overdrafts and Overdraft Fees, see the last page of this brochure. 12 Lines of credit secured by residential real estate located in Connecticut, New York and Texas are not eligible to be linked for Overdraft Protection. 13 Credit card subject to credit qualification. 17

11 18 Start saving today If you re among the millions who want to save, yet struggle to get started, here is a reminder of why it s important to start the habit, regardless of amount. Only Wells Fargo offers My Savings Plan, a free online savings tool designed to help you save for your goals. With a Wells Fargo savings account, you will have access to My Savings Plan and be able to: Build your savings with automatic transfers from your other Wells Fargo accounts into your goal-assigned savings account Automatically track your progress by signing on anytime to see how much you ve saved Automatic transfers It s easy to save when you set up automatic transfers from your checking account to your savings account. You can choose the amounts and dates when you would like the transfers to occur. Automatic transfers can be set up through Wells Fargo Online Banking or by speaking to your banker. Global Remittance Services With the Wells Fargo ExpressSend service you can send money home to family and friends in Mexico, Guatemala, El Salvador, Honduras, Nicaragua, Dominican Republic, Colombia, Ecuador, Peru, the Philippines, India, Vietnam, and China. An economical, convenient and dependable way to send money home. 14 Wells Fargo Credit Card 15 Credit cards offer you a convenient way to make both day-to-day and large purchases. You ll enjoy: Flexibility and control to repay in full every month or borrow over time Built-in rewards on select cards Overdraft Protection when linked to your Wells Fargo checking account 16 When used responsibly, credit cards can be an opportunity to help establish or rebuild credit and may help you qualify for other credit products Qualifications for a credit card vary depending on the type of credit and other factors. Talk to a Wells Fargo banker about how to apply. To learn more about building credit, please visit Hands on Banking Wells Fargo s award-winning financial education program at handsonbanking.org. Set up an automatic payment for the minimum amount due. You can still write a check to pay your bills each month, but an automatic payment will ensure that you do not miss your payment due date. 14 Transferred funds are not FDIC insured. In addition to the transfer fee, Wells Fargo makes money if converting US dollars to foreign currency. Contact a Wells Fargo banker for further details. Minimum and maximum transfer amounts apply. 15 Subject to credit qualification. 16 Overdraft Protection advances are treated as cash advances. An overdraft fee will be charged each day an Overdraft Protection advance is made and interest will accrue from the date each advance is made. See Consumer Credit Card Customer Agreement and Disclosure Statement for details. Please note that you may also be able to link your checking account to your savings account for Overdraft Protection. No interest is charged on Overdraft Protection transfers from your savings account. However, fees do apply. See the Consumer Account Fee and Information Schedule for your savings account for further details Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary

12 5. Glossary 20 key terms for you to know Common banking terms Account A bank account helps you keep your money safe and easy to access. The common accounts are checking and savings accounts. ATM (Automated Teller Machine) You can make deposits, get cash, and more at an ATM by following simple instructions on the screen. Wells Fargo ATM instructions are available in many languages. Available balance This is the amount of money in your account that is available for withdrawal and is the most current balance based on transactions known to Wells Fargo. Your available balance will include transactions already paid from your account, as well as pending items that we know about, such as debit card purchases that have been authorized (but not yet submitted by the merchant for payment) and automatic payments and checks that have been presented but not yet paid. Please note that some transaction activity not yet received such as scheduled payments, debit card purchases (not yet submitted by the merchant for payment) and checks may not be reflected in the available balance at any given time. Some deposits made in a banking store or at an ATM may be subject to our funds availability policy and may not be immediately available for withdrawal or to cover other transactions. Debit card Your debit card is linked to your checking account and can be used to withdraw money and make deposits at ATMs, and to make purchases at merchants instead of writing a check. When you use your debit card to make purchases or make recurring or automatic payments, the money is deducted from your primary linked checking account. It is not a credit card. Deposit Adding money to your account. Deposits can be made to your account at a banking location, at ATMs, by mail, by automatic transfers, mobile deposit, or automatically through direct deposit. Direct deposit Direct deposit is a convenient, fast, and safe way to receive payment. When you sign up for direct deposit, instead of receiving a paper check, your paycheck, federal benefits payment, or other recurring income is electronically deposited into your checking or savings account automatically. Direct deposit is also free of charge. Contact your employer to see if direct deposit is available to you. Interest Money the bank pays you for keeping your money at the bank in certain accounts. Overdraft An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Overdrafts apply to checks, debit cards, or other transactions that are paid when the available balance in your deposit account is less than the amount of the transaction, which creates a negative balance in your account. Overdraft Protection (ODP) Overdraft Protection is available money from your linked eligible savings, line of credit, or credit card account that is automatically transferred to bring your checking account back to a positive balance, up to the amount available in the linked eligible savings, line of credit, or credit card account. Returned item A returned item (also called a bounced check ) occurs when an item (such as a check or other transaction presented for payment) is returned unpaid because the available balance in your deposit account is less than the amount of the item. Withdrawal Taking money out of your account. You can do this many different ways: Writing a check Debit card purchase use your card to make everyday purchases and pay bills worldwide at participating retailers and service providers including online or by phone ATM withdrawals get cash at any ATM worldwide 17 At any Wells Fargo banking location 17 Surcharges imposed by ATM owners or operators may apply Money in 2. Money out 3. Money management 4. Other useful services 5. Glossary

13 How can we help? Wells Fargo Phone Bank TO-WELLS ( ) TTY/TDD for deaf or hard of hearing customers Wells Fargo accepts Telecommunications Relay Services calls. Para asistencia en español PARA-WFB ( ) *About Overdrafts and Overdraft Fees Our overdraft fee is $35, whether the overdraft is by check, ATM withdrawal, debit card transaction or other electronic means. We will charge no more than 4 overdraft and returned item fees per day. Accounts must be immediately brought to a positive balance. The payment of transactions into overdraft is discretionary and the bank reserves the right not to pay. For example, the bank typically does not pay overdrafts if an account is not in good standing or you have had excessive overdrafts. Debit card transactions that have been established for recurring payment (such as utilities or club memberships) or checks continue to be authorized into overdraft, at our discretion, even if the account is not enrolled in Debit Card Overdraft Service Wells Fargo Bank, N.A. All rights reserved. Member FDIC. CNS2971 (6-14)

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