![]() The "Premier" account benefits which cost $35/month (unless you let them hang on to a quarter of a million dollars) are very much in line with what you can get from a number of other banks.FOR FREE! Physical paper statements are just more unnecessary clutter. I do the same thing but use online statements. I just don't feel comfortable to give a third party a 'blank check' in the sense they can pull funds without my prior permissions monthly. So I insist on getting paper statements, review them, and then use online bill payments myself (I don't write checks any longer). ![]() What I don't like is to have a credit card or utility firm to automatically pull my funds every month from my checking account. How much time did folks waste writing checks, licking envelopes, paying for postage, having to mail a week or two before payment was due? That's all extremely inefficient compared to simply autopaying the full bill monthly. Your friend was negligent with his phone service - for two years he didn't review his checking and notice the phone company still billing?Īuto bill pay is one of the best things technology has done for us, and one of the worst for the postal service. The mail could be delayed and you don't receive the bill until after the due date.Īnecdotal evidence doesn't carry any weight with me. The mail carrier may accidentally deliver your bill to the wrong address. Anyone can open your mailbox and take your mail. So you wait for your paper bills and manually pay all of them every month? Online or by mailing checks? Getting your bills in paper is a security risk. Two years later, he found the phone company still billed him, and ACH money from his account monthly! allow firms to pull money directly from your banking accounts). That is why I usually still get my bills in papers, and never allow those automatic bill paying (i.e. So when your balance falls below 250K, you may not notice it right away until many $35 fees later. The problem is that after a while people tend to forget to track things. I'll just leave things as they are at the moment. He said they still offer the benefits though. I told him the new 'benefits' on Premium Checking amount to nothing for me. Biometric authentication - you log in via fingerprint or facial recognition - and the ability to turn your credit and debit cards on and off keeps your banking information and accounts secure.He told me I can change to Prime checking any time. ![]() You can use Wells Fargo Mobile to deposit checks, add debit and credit cards to your digital wallet, pay bills and send and receive money through Zelle. Wells Fargo has an outstanding mobile app that gets 4.8 out of 5 stars on both Google Play and the App Store. Weigh the costs and other risks associated with late payments against the $35 overdraft fee you’ll pay each time standard overdraft coverage covers a transaction. With standard overdraft coverage, Wells Fargo can, at its discretion, pay certain overdrafts, including checks and other transactions that use your checking account number, and automatic bill payments. You might also consider opting out of the standard overdraft coverage that comes with the account. If your balance falls short, money will be transferred automatically from the linked account(s) to cover it. Overdraft Protection is an optional service that lets you link a Wells Fargo savings account and/or credit account to your Everyday Checking account.
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