This document compares fees for checking accounts, electronic bill pay, overdraft protection, ATM transactions, and wire transfers between Wells Fargo and credit unions. Wells Fargo charges fees for most typical banking services like bill pay, overdraft protection transfers, out-of-network ATM uses, while a credit union offers many of these services for free, including bill pay, overdraft protection transfers, ATM balance inquiries, and wire transfers. Credit unions also have lower fees than Wells Fargo for services like check card overdrafts, out-of-network ATM transactions, and do not charge excess activity fees.

1. Bank Fees Comparison
Fees Wells Fargo Credit Union
Checking Account Dependent on daily balance Free
Electronic Bill Pay Dependent on daily balance Free
Check Card OD (debit cd) $37.00 $27.00
OD Protection (from other accts) $10.00/transfer $5.00/transfer
Out of Network ATM Transaction (domestic) $2.50 each $1.50 each
ATM Balance Inquiry $2.00 each $0.50 each
ATM Transfer Fee $2.00 each Free
Wire Transfers (incoming foreign/domestic) $10.00 each Free
Copies cancelled check Not disclosed/must call for fee Free
Excess Activity Fee Billed if over 6/ month (fee not disclosed) None such
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