How Do Wells Fargo Bank Check Fees Work?
Regardless of who you're banking with, it's never a good feeling when you notice you've been charged an . From overdraft charges to fees for transferring money, banks frequently take from your earnings for the smallest services. There are so many types of fees you can get hit with that it's often overwhelming to try and keep up with them all, and if you don't have the time to constantly monitor your account, then you're losing money simply for banking.
are one of the many charges you may get slapped with that DoNotPay can help you fight. While bank check fees are backed by the bank's finances rather than coming out of your account directly, you're still expected to pay a service fee on top of the money you're requesting the check for. Want to fight fees like this and stand up for the unwarranted fees you're receiving for little to no actual service? DoNotPay's got your back.
Common Types of Check Fees
There is a surplus of fee types that banks charge, including fees for things like having an active , ATM cash withdrawals, cash deposits into business accounts, and much more. While some fees are less than a dollar, others can be $30+ for a single service transaction.
The most common fees are:
- Monthly Maintenance
- Returned Item/Unpaid
- Cashier's Checks
- Bounced Check
Cashier's Checks are guaranteed by the bank, which is why Wells Fargo and many other banks charge a fee. The bank is going out on a limb by taking money from their own financing to promise that paid monies will go to a set party. While you're still paying the bank the money they're sending, you'll have to pay an additional fee of $10 for the service, regardless of whether you send a bank check once or on a weekly/monthly basis.
Why Does Wells Fargo Charge Bank Check Fees
Simply put, Wells Fargo and other banks like Bank of America charge service fees to offset operational expenses. Similar to a loan, where a bank charges interest, Wells Fargo will charge a service fee for helping you handle a transaction. Bank check fees are charged in exchange for the guarantee that the receiving party can cash a check without worrying about it bouncing or getting hit with a return fee on their end.
How to Avoid Wells Fargo Fees
According to Wells Fargo, fees vary based on location and account type. Each location can dictate which fees they can refund or waiver, and the types of fees charged for consumer and business accounts are at their discretion. The easiest way to avoid bank check fees or monthly services fees is by reaching out to customer support.
To get fees waived or reimbursed, you'll need to:
Remember to be polite at all times, but also firm. Many times you can get fees waived if you link business and consumer accounts, sign up for qualifying direct deposits, and have a set amount of transactions with your debit/business card. This helps provide Wells Fargo with proof that you're loyal to the bank and can encourage them to waive fees as they see fit.
Need help preparing what to say when you call or don't have time to sit and discuss the reasons your bank check fee should be waived or reimbursed? No worries. DoNotPay can help you get all types of fees waived and refunded with ease. You can provide a little information and skip the virtual queue while DNP contacts Wells Fargo for you.
How to Get Wells Fargo Bank Check Fees Waived and Refunded with DoNotPay
If you want to Get Wells Fargo Bank Check Fees Waived or Refunded with DoNotPay but don't know where to start, DoNotPay has you covered in 4 easy steps:
- Open the DoNotPay Fight Bank Fees product.
- Enter the name of your bank.
- Verify the last 4 digits of your bank account.
- Choose which fees you want to waive, including overdraft, ATM, and transaction fees.
It’s that easy!
More Bank Fees DoNotPay Can Help With
Do you have an account with a bank other than Wells Fargo? That's okay. DoNotPay can still help you fight bank fees. We've curated a quick list of guides for some of the most popular banks in the nation. That way, all you have to do is fill out a few quick questions and DoNotPay can submit the request on your behalf. Check out a few of DoNotPay’s guides for overdrafts, ATM fees, and transfer fees below.
ATM Fees & More: