When only Summary Level information is included in the Private Bank Interest Checking statement, you will continue to receive your separate regular Detail Level statement for that account.
If your Private Bank Interest Checking account is closed or an account is delinked from the Private Bank Interest Checking account, then effective immediately, Private Bank Interest Checking account benefits no longer apply, including benefits to your linked accounts. You will no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked account will revert to the Bank’s current applicable interest rate or fee at that time.
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 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, 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.
All loans are subject to credit approval, income verification and, if applicable, collateral evaluation. Programs, rates, terms and conditions are subject to change without notice. The interest rate discount requires a qualifying Wells Fargo consumer checking account. Loan applicants with a Prime Checking or Premier Checking or Private Bank Interest Checking account at the time of application for credit qualify for additional interest rate discounts. The interest rate discount requires automatic monthly payments deducted from a Wells Fargo consumer deposit account. If either the Prime Checking or Premier Checking or Private Bank Interest Checking account is closed or the automatic payment is cancelled at any time after the loan is opened, the interest rate may increase, in which case your corresponding monthly payment will increase. Talk with your banker, or refer to product information online at www.wellsfargo.com, to learn what requirements apply to your specific loan.
The contents of a safe deposit box are not insured by the FDIC or by Wells Fargo Bank, N.A.
To insure the contents of your box, purchase an appropriate policy from the insurance company of your choice.
The benefit applies to the exchange rate for foreign currency purchases, when you purchase foreign currency through the Wells Fargo Foreign Currency call center, online at wellsfargo.com, or through a Wells Fargo branch. You'll also receive the benefit when you purchase or sell foreign currency at a Wells Fargo branch. This benefit applies only to foreign currency cash. It does not apply to foreign currency drafts, checks, or wire transfers. In addition to any applicable fees, we make money when we convert one currency to another currency for you. The exchange rate used when we convert one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees listed in the Consumer Schedule. The exchange rate we provide to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. We're your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.
Benefit applies only to the Private Bank Interest Checking account.
In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used is set by Wells Fargo, includes a markup and may be different than exchange rates you see elsewhere. For additional information related to Wires and foreign currency wires, please see the Online Access Agreement or applicable service documentation.
The Wells Fargo Private Bank (The Private Bank) experience connects clients with products and services provided by Wells Fargo Bank, N.A. and/or Wells Fargo Advisors. Wells Fargo Bank, N.A. provides investment management services as part of its trust and fiduciary services, deposit products, lending products and other bank products. Wells Fargo Advisors provides investment advisory and brokerage services. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, may be paid an ongoing or one-time referral fee in relation to clients referred to the Bank. For Bank products and services, The Bank is responsible for the day-to-day management of the account and for providing investment advice, investment management services, and wealth management services to clients. The role of the Financial Advisor with respect to Bank products and services is limited to referral and relationship management services. Eligibility for The Wells Fargo Private Bank experience is subject to change without prior notice. Products and services may have qualification or pre-acceptance requirements that are different than the eligibility requirements for The Wells Fargo Private Bank experience.
Outstanding Cashier's checks are subject to state or territorial unclaimed property laws.
If the cashier's check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only be completed within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In addition, for cashier's checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier's check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable surety bond. This can be purchased through Wells Fargo's approved insurance carrier or through an insurance carrier of the customer's choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier's underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies.
When you link your Intuitive Investor account offered through Wells Fargo Advisors to your Private Bank Interest Checking program, your advisory fee is discounted to 0.25%, instead of the standard advisory fee of 0.35%. The advisory fee discount will be applied at account opening if the account is eligible to be linked to an existing Private Bank Interest Checking program. If your Intuitive Investor account is not linked to a Private Bank Interest Checking program within 90 days, the discounted advisory fee will no longer apply, and the standard advisory rate of 0.35% will apply. If the Private Bank Interest Checking program is terminated, the discounted advisory fee will discontinue and revert to the current applicable advisory fee. Custodial accounts and certain trust accounts are not eligible for the Private Bank Interest Checking program advisory fee discount. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. For complete fee information, refer to the Intuitive Investor fee schedule (PDF).
Brokerage services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.
Subject to credit qualification.
Wells Fargo Private Bank (The Private Bank) experience connects clients with products and services provided by Wells Fargo Bank, N.A. and/or Wells Fargo Advisors. Wells Fargo Bank, N.A. provides investment management services as part of its trust and fiduciary services, deposit products, lending products and other bank products. Wells Fargo affiliates, including Financial Advisors of Wells Fargo Advisors, may be paid an ongoing or one-time referral fee in relation to clients referred to the Bank.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
