Can you open a bank account without a deposit

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Great for customers who want help managing their money, including teens and students

Can you open a bank account without a deposit

We've got your back

Clear Access Banking has no overdraft fees

Can you open a bank account without a deposit

Go checkless

Don't need checks? Checkless banking is an easy solution

Can you open a bank account without a deposit

Keep it simple

Tap to pay with a contactless debit card or your digital wallet

Can you open a bank account without a deposit

Make your own way

Designed for lower balances, this is a great first teen bank account or second chance banking opportunity

Clear Access Banking fees and details


Monthly service fee$5 each fee period

You can avoid the fee in just one way:
No monthly service fee charged for primary account owners 13 - 24 years old

Minimum balanceNo minimum daily balance required
Minimum to open$25 minimum opening deposit
Overdraft servicesClear Access Banking has no overdraft fees

Optional overdraft services are not available for Clear Access Banking accounts

Other feesQuick view of account fees (PDF)
Age requirements to openMust be 13 or older (teens 13 - 16 years old need an adult co-owner)
Teens 13 - 17 years old must open at a branch – see what you'll need
How to open a Clear Access Banking accountOpen now

Make an appointment at a branch

Can you open a bank account without a deposit

Parents – opening with a teen?

Remember, teens 13 - 17 years old must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.

Can you open a bank account without a deposit

Bank On certified

Clear Access BankingSM is certified as meeting Bank On National Account Standards for safe and affordable bank accounts with no overdraft fees.

Do more with the Wells Fargo Mobile® app


Zelle®

Send and receive money in minutes

Mobile deposit

Skip the lines and deposit checks right from your smartphone

Digital wallet

Add debit and credit cards to your mobile device to tap and pay

Biometric authentication

Sign on to the mobile app with your fingerprint or face

Card control

Turn credit and debit cards on or off and track recurring payments

Can you open a bank account without a deposit

Plus all the features of a Wells Fargo checking account



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Can you open a bank account without a deposit

Wells Fargo credit cards – choose a credit card that fits your life

Can you open a bank account without a deposit

Way2Save® Savings – start saving money faster with a linked Wells Fargo savings account


Banking FAQs

Although we won't authorize transactions – such as ATM withdrawls, debit card purchases, or recurring debit card transactions – when you don't have enough money in your account to cover them when they are presented to us for authorization, certain transactions or account activity may result in a negative balance. For example, if you add a tip to a transaction after we've approved the transaction without the tip OR if we credit a deposit that is later returned unpaid, you may see a negative balance in your account. If this occurs, we won't assess an overdraft fee, but you need to repay the negative amount promptly.

You must be 18 years or older to open this account online.

17-year-olds can open this account without a parent. Teens 13 - 16 years old need an adult co-owner.

Teens 13 - 16 years old need an adult co-owner to open this account. Ages 13 - 17 must open at a branch and bring a state-issued ID or passport. Teens without ID need both a Social Security card and a birth certificate.

Second chance bank accounts provide a great opportunity for customers unable to open standard accounts due to past credit or banking history.

See more Banking FAQs


How can I open a bank account with no deposit?

2 Simple Steps to Open a Bank Account Online with No Deposit & Bad Credit.
Choose a Bank or Credit Union with $0 Deposit Req's. As you might expect, the first step to opening a bank account is to find the bank and account that fit your needs. ... .
Fill Out the Online Application..

What banks allow you to open an account with no deposit?

Banks that Don't Require an Opening Deposit.
Ally Bank. Ally Bank is a high-interest option with unique online integrations such as mobile check deposits, money transfers by voice, and automated savings programs. ... .
Axos Bank. ... .
Capital One. ... .
Discover. ... .
Monorail. ... .
State Farm. ... .

Do I need to deposit money to open an account?

Banks typically require an initial deposit to open accounts, and some banks require you to keep a certain amount of money in your checking account. Banks often list balance requirements on their websites. You may be charged a fee if you don't maintain a minimum or average balance in your account.

What bank gives you money just for opening an account?

Best checking account bonuses.
Citibank: up to $2,000 bonus..
Fifth Third Bank: $250 bonus..
BMO Harris: up to $350 bonus..
SoFi: up to $300..
TD Bank: up to $300..
M&T Bank: up to $200 bonus..
Chase Bank: $200 bonus; $100 bonus for college students..
Huntington National Bank: up to $300 bonus..