Wells Fargo vs Chime

Wells Fargo is an a "big 4" bank with a good range of checking accounts and full services. How does it compare to Chime? Read our comparison chart below.

	Member FDIC	ChimeBank of AmericaChaseU.S. BankDiscover Bank
	Learn More	Learn More
	Wells Fargo	Chime
	SPECIAL OFFER Personal Checking Account - $125 Bonus Read Wells Fargo Review	SPECIAL OFFER Get Started - Learn More Read Chime Review
	Benefits and Features
Savings	0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.	2.00% Annual Percentage Yield (APY).
CD	Standard Fixed Term CD available online: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch.
Checking	Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking	No monthly service fee; no minimum balance; no overdraft fees; no foreign transaction fees
Monthly Fee		$0
Minimum Deposit to Open		$0
Mobile App	iOS & Android	iOS & Android
ATMs	11,000+ ATMs across the country	Over 50,000 fee-free MoneyPass, Allpoint, and Visa Plus Alliance ATMs
Customer Service	Available 24 hours a day, 7 days a week.	24/7
IRA CD	Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
Locations	approximately 4,100 retail banking branches coast to coast	Online only
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Pros & Cons	Pros: Low requirements for Everyday Checking Full service bank 24/7 customer service Cons: Low savings rates Not in all states	Pros: No account fees Get paycheck 2 days early Up to $200 overdraft coverage Cons: Hard to deposit cash
Bottom Line	A "big 4" bank with a good range of checking accounts and full services... Read full review	Banking app that offers an online account with early paycheck access and credit builder features... Read full review
	Learn More	Learn More
		Get Started Refer a Friend and Get $100 Chime Second Chance Banking
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Wells Fargo: Pricing information from the published website as of 04/17/2025 is based on the 91101 zip code. Chime: Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Which is Better: Wells Fargo or Chime?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Wells Fargo or Bank of America.

In short: Wells Fargo's customer service is worth mentioning. Chime's savings is excellent.

Articles on Wells Fargo

Wells Fargo Bank Review

Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.

• Wells Fargo vs Bank of America
• Wells Fargo vs Chase
• Wells Fargo vs U.S. Bank

Wells Fargo Checking Account Bonus

Wells Fargo may offer a cash bonus when you open a checking account. Read on to learn more.

• Wells Fargo vs Citibank
• Wells Fargo vs Capital One

Wells Fargo High Yield Savings Review

Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.

Wells Fargo Bank CD Rates

Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.

Wells Fargo Bank Hours

Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.

Wells Fargo Routing Number

Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.

Articles on Chime

Chime

Chime has no monthly fees, so what's the catch with the app? Find out how you can get paid two days early and grow your savings.

• Chime vs Discover Bank

Chime Locations

Chime is a popular fintech company with no physical branches. But how do you access your money? Keep reading to find out.

Online Banks Like Chime

Discover the best Chime competitors that can offer you better rewards and a wider range of account options.

Which Do You Think is Best?

You Might Also Like

Banks That Don't Use ChexSystems

Denied a bank account due to your poor banking history? Fret not, some banks don't check your ChexSystems report.

Easiest Second Chance Bank Accounts

Rough financial history? You may find yourself unable to open traditional bank accounts. Second-chance accounts can be your savior. Read on to find top options.