How can we help?

Popular FAQs

Platinum Savings

CA, 94105 Change Location
Screen image simulated

Grow your savings

Open with $25

How to avoid the $12 monthly service fee

Open now


Screen image is simulated

Relationship rates available

Earn a Relationship Interest Rate when you link your Platinum Savings account to an eligible checking account

Flexible access to your money

Your money will be ready when you need it — through online or mobile access, unlimited branch and Wells Fargo ATM withdrawals, and the option to write checks

Account fees and details

Monthly service fee
$12 Avoid the monthly service fee with a $3,500 minimum daily balance each fee period
Other fees
Other fees may apply; please see the Consumer Account Fee and Information Schedule and Deposit Account Agreement for details
How to open an account
Make an appointment Open now

Savings account features

Optional Overdraft Protection

Use your Platinum Savings account to help protect your linked Wells Fargo checking account from overdrafts.

Learn more

Learn more

My Savings Plan®

To help you set and track your goal, plus automatic transfers to make saving easy.

Learn more

Learn more

Platinum Savings FAQs

To open an account, you’ll need:

  • Your Social Security number
  • A valid ID (driver's license, state ID, or Consular ID)
  • Your current residential address
  • A $25 minimum opening deposit

Apply in just a few minutes through Wells Fargo Online® or at a Wells Fargo branch near you.

You must be 18 or older to apply online.

Joint savings accounts must be opened at a branch. Make an appointment to get started.

You need the same information that is required to open an individual savings account, but you’ll need it for both applicants. Please review the age and ID requirements before your appointment.

A Relationship Interest Rate is a higher interest rate available to customers who link eligible savings or CD accounts to eligible checking accounts.

You can request an ATM card to access your savings funds if you don’t have a checking account.

If you have a Wells Fargo checking account, you can use your debit card to access funds in your savings account.

Learn more about how to access money in your savings account by exploring our debit and ATM card FAQs.

You can make unlimited withdrawals or transfers in or out of your Platinum Savings account.

Yes. A Platinum Savings account allows you to write checks for easy access to your money when you need it.

Yes, your Platinum Savings funds are FDIC-insured up to the maximum applicable limits.

Visit our FDIC Insurance page to learn more.

How can we help?

Subject to account eligibility requirements.

My Savings Plan requires a Wells Fargo savings account.

Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.

Current Deposit Rates for -

A copy of the then-current rate sheet will be provided to you before you open your account or is available at any time upon request from a banker.

A Relationship Interest Rate is variable and subject to change at any time without notice, including setting the interest rate equal to the Standard Interest Rate or to zero (0.00%), which could change the Relationship Annual Percentage Yield (APY). For CDs, the change will occur upon renewal. To receive a disclosed Relationship Interest Rate/Relationship APY, the eligible savings account or CD must remain linked to a Prime Checking, Premier Checking or Private Bank Interest Checking account. Upon linking, or switching a linked account to an eligible savings account, it may take up to two business days for the Relationship Interest Rate to be applied to your eligible savings account. CDs must be linked at account open and/or at every renewal. If the checking account is closed for any reason or the eligible savings account or CD is de-linked, the account will revert to the then-current applicable Standard Interest Rate on that date; for CDs, this change will occur upon renewal. Any Special Interest Rate would not expire until the expiration date of that Special Interest Rate.

See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.

Wells Fargo Bank, N.A. Member FDIC.

QSR-07052025-6200350.1.1

LRC-1223