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Grow your savings
Open with $25
How to avoid the $12 monthly service fee
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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
Platinum Savings
Standard Interest Rates
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Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
$25 minimum opening deposit
Open now
Platinum Savings
Relationship Interest Rates
Platinum Savings
Relationship Interest Rates
Swipe for more relationship rates
When linked to Prime Checking
When linked to Premier Checking
When linked to Checking
Platinum Savings
Relationship Interest Rates
When linked to Prime Checking
When linked to Checking
Platinum Savings
Relationship Interest Rates
When linked to Premier Checking
When linked to Checking
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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
Platinum Savings FAQs
What do I need to open a Platinum Savings account? What do I need to open a Platinum Savings account?
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.
How do I open a joint savings account? How do I open a joint savings account?
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.
What is a Relationship Interest Rate? What is a Relationship Interest Rate?
A Relationship Interest Rate is a higher interest rate available to customers who link eligible savings or CD accounts to eligible checking accounts.
How do I access the funds in my savings account? How do I access the funds in my savings account?
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.
How many withdrawals or transfers can I make from Platinum Savings? How many withdrawals or transfers can I make from Platinum Savings?
You can make unlimited withdrawals or transfers in or out of your Platinum Savings account.
Can I write checks with Platinum Savings? Can I write checks with Platinum Savings?
Yes. A Platinum Savings account allows you to write checks for easy access to your money when you need it.
Are my Platinum Savings funds FDIC-insured? Are my Platinum Savings funds FDIC-insured?
Yes, your Platinum Savings funds are FDIC-insured up to the maximum applicable limits.
Visit our FDIC Insurance page to learn more.
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For existing accountholders or questions:
1-800-869-3557
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Manage your account
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- Set up Overdraft Protection
- Transferring Money
Additional resources
- Tips on managing your money
- Save for an Emergency
- Kids Savings Account
APY (Annual Percentage Yield)
The APY (Annual Percentage Yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate compounded daily for a 365-day period.
If you receive a periodic statement, that statement will include the Annual Percentage Yield Earned (APYE) on your account for the period covered by the statement.
A Relationship Interest Rate is an interest rate available on eligible Savings or CD accounts, when those accounts are linked to a Prime Checking or Premier Checking account.
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Subject to account eligibility requirements.
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, 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
