®
Wells Fargo Essential Checking
Jan 7, 2025 Page 1 of 6
Questions?
JUDY A GRIEBENOW Available by phone 24 hours a day, 7 days a week:
We accept all relay calls, including 711
339 HOPEWELL LN
MOUNT OLIVE NC 28365-8253 1-800-TO-WELLS (1-800-869-3557)
En español: 1-877-727-2932
Online: wellsfargo.com
Write: Wells Fargo Bank, N.A. (338)
P.O. Box 6995
Portland, OR 97228-6995
You and Wells Fargo Account options
Thank you for being a loyal Wells Fargo customer. We value your trust in our A check mark in the box indicates you have these
company and look forward to continuing to serve you with your financial needs. convenient services with your account(s). Go to
wellsfargo.com or call the number above if you have
questions or if you would like to add new services.
Online Banking ✓ Direct Deposit ✓
Online Bill Pay Auto Transfer/Payment
Online Statements Overdraft Protection
Mobile Banking ✓ Debit Card
My Spending Report ✓ Overdraft Service ✓
IMPORTANT ACCOUNT INFORMATION
Your Essential Checking account is changing. You can find more details in the Important Account Information section of this
statement after the Transaction history section.
Other Wells Fargo Benefits
Don't fall for an IRS imposter scam. Learn to spot scams and help avoid tax fraud at www.wellsfargo.com/spottaxscams.
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Jan 7, 2025 Page 2 of 6
Statement period activity summary Account number: 1010114600864
Beginning balance on 12/8 -$51.07 JUDY A GRIEBENOW
Deposits/Additions 963.00 North Carolina account terms and conditions apply
Withdrawals/Subtractions - 1,214.86
For Direct Deposit use
Ending balance on 1/7 -$302.93
Routing Number (RTN): 053000219
Overdraft Protection
This account is not currently covered by Overdraft Protection. If you would like more information regarding Overdraft Protection and eligibility requirements
please call the number listed on your statement or visit your Wells Fargo branch.
Transaction history
Check Deposits/ Withdrawals/ Ending daily
Date Number Description Additions Subtractions balance
12/28 Purchase authorized on 12/28 Minuteman 2212 Indian Dudley 36.16
NC P000000779295036 Card 5325
12/28 Purchase authorized on 12/28 Dollar-General # Dg 04411 Mount 1.48
Olive NC P304059798927245 Card 5325
12/28 Purchase authorized on 12/28 Dollar-General # Dg 04411 Mount 71.24 -159.95
Olive NC P304059801568005 Card 5325
12/29 Purchase authorized on 12/28 Mount Olive Tobacc Mount Olive 23.32
NC S584059785501556 Card 5325
12/29 Purchase authorized on 12/29 Minuteman 2212 Indian Dudley 18.33 -201.60
NC P000000789605008 Card 5325
1/1 Ssi Treas 310 Xxsupp Sec 010125 xxxxx2018 Ssi Judy A 281.00
Griebenow
1/1 SSA Treas 310 Xxsoc Sec 010125 xxxxx2018A SSA Judy A 682.00
Griebenow
1/2 Cash eWithdrawal IN Branch 01/02/2025 10:25 Am 210 NE Center 665.00
St Mount Olive NC 5325
1/2 Purchase authorized on 01/02 Wal-Mart Super Center Mount 15.82 80.58
Olive NC P000000389516282 Card 5325
1/5 Purchase authorized on 01/05 State Farm Insura 800-956-6310 IL 48.02
S584060705540680 Card 5325
1/5 Purchase authorized on 01/05 Hsn*Hsn1924147377 800-2843900 59.99
FL S304062808484148 Card 5325
1/5 Non-WF ATM Withdrawal authorized on 01/05 1017 N. Breazeale 203.00
Ave. Mount Olive NC 464063672238160 ATM ID B6Go Card 5325
1/5 Non-Wells Fargo ATM Transaction Fee 2.50 -232.93
1/6 Overdraft Fee for a Transaction Posted on 01/06 $59.99 Purchase 35.00
authorized on 03/02 Hsn*Hsn1924147377 800-2843900
1/6 Overdraft Fee for a Transaction Posted on 01/06 $203.00 Non-WF 35.00 -302.93
ATM Withdrawal authorized on 03/03 1017 N. Breazeale Ave.
Mount Olive NC 464
Ending balance on 3/7 -302.93
Totals $963.00 $1,214.86
The Ending Daily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when your
transactions posted. If you had insufficient available funds when a transaction posted, fees may have been assessed.
Jan 7, 2025 Page 3 of 6
Summary of Overdraft Fees
Total this statement period Total year-to-date
Total Overdraft Fees $70.00 $140.00
Year-to-date totals reflect fees assessed or reversed since the first full statement period of the calendar year. Negative values indicate that fee reversals
exceed fees assessed.
Monthly service fee summary
For a complete list of fees and detailed account information, see the disclosures applicable to your account or talk to a banker. Go to wellsfargo.com/feefaq for
a link to these documents, and answers to common monthly service fee questions.
Fee period 12/08/2024 - 01/07/2025 Standard monthly service fee $7.00 You paid $0.00
How to avoid the monthly service fee Minimum required This fee period
Have any ONE of the following each fee period
· Minimum daily balance $1,500.00 -$302.93
· Total amount of qualifying electronic deposits $500.00 $963.00 ✓
Monthly service fee discount(s) (applied when box is checked)
Online only statements ($2.00 discount)
JE/JE
IMPORTANT ACCOUNT INFORMATION
Your Essential Checking account is changing
We're updating our checking account options to better serve our customers and no longer offer Essential Checking, so your account is
changing to a similar checking option.
On May 20, 2024, your Essential Checking account will become an Everyday Checking account.
We think you'll appreciate all the benefits that come with an Everyday Checking account, but if you decide another account is best for
you, you can easily switch to a different checking account by signing on to wellsfargo.com.
Your day-to-day banking stays the same
Your account number, debit card, and checks will remain the same. Your automatic bill payments and direct deposits will continue
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without interruption, and you'll still be able to use online banking and the Wells Fargo Mobile app as you do today.
What's changing
Your current Essential Checking account has a $7 monthly service fee that may currently be waived by maintaining a $1,500 minimum
daily balance or having $500 or more in qualified electronic deposits. While the monthly service fee for Everyday Checking is $10, you'll
have some additional new ways to avoid this fee, including a new lower minimum daily balance requirement of $500.
There is no monthly service fee charge if you meet any ONE of the following conditions during each fee period*:
-Make $500 or more in total qualifying electronic deposits.**
-Maintain a $500 minimum daily balance. (NEW)
-The primary account owner is 17-24 years old.*** (NEW)
-The account is linked to a Wells Fargo Campus ATM Card or Campus Debit Card.**** (NEW)
-A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program.***** (NEW)
We'll waive the monthly service fee for the first two fee periods after May 20, 2024, so you have extra time to make any adjustments, if
needed, to avoid the fee. Otherwise, you don't need to take any action on your account; it will be updated automatically.
Some additional changes to be aware of - there will no longer be discounts on the monthly service fee for enrolling in online
statements or discounts on reordering checks.
New benefits available to you
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You can receive new benefits if you link your Everyday Checking account to a Wells Fargo Campus ATM Card or Campus Debit
Card.**** These benefits include:
-No monthly service fee charged.
-No Wells Fargo fees for up to four cash withdrawals per monthly fee period from non-Wells Fargo ATMs in the U.S. (Fees charged by
non-Wells Fargo ATM operator or network may apply.)
-No fee charged for one overdraft each fee period.******
-Courtesy refund of one incoming wire transfer fee each fee period.*******
We're here to help you make the most of your relationship with us
If you have any questions, want to make changes to your account, or would like to learn more about other checking account options,
you can call us at 1-877-924-9739.
For more information about the change to Everyday Checking, visit wellsfargo.com/essentialtoeveryday.
*Locating your fee period and Monthly Service Fee Summary information:
You can find the Monthly Service Fee Summary and the fee period dates used for your account:
-On your statement in the Monthly Service Fee Summary section
-Online in your account's Activity Summary section
-On the mobile app in the Account Summary page under the Routing & Details section
**Qualifying electronic deposits:
A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has
posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment
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processed through the RTP network (real-time payment system) or FedNow SM Service, or (3) an electronic credit from a third party
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service that facilitates payments to your debit card using the Visa or Mastercard network (e.g. an Original Credit Transaction).
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Transfers from one account to another, mobile deposits, Zelle , or deposits made at a branch or ATM are not considered a qualifying
electronic deposit.
***Primary account ownership:
When there is more than one owner of an account, we identify a primary owner. The primary account owner is the owner whose
Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and who, therefore, has tax responsibility
for the account. For select checking and savings accounts, when an individual primary account owner reaches the age of 25, age can
no longer be used to avoid the monthly service fee. Depending on the type of account you have, there may be other ways to avoid the
monthly service fee. If the primary owner of an existing Everyday Checking account changes, it may take up to 45 days after the change
is made to avoid the monthly service fee based on age.
****Wells Fargo Campus Card program benefits:
-No Wells Fargo fees for up to four cash withdrawals each fee period from non-Wells Fargo ATMs in the U.S. (Fees charged by
non-Wells Fargo ATM operator or network may apply)
-No fee for one overdraft each fee period
-Courtesy refund for one incoming wire transfer fee each fee period
These benefits will take effect within 45 days following the linkage of your Campus Card to an Everyday Checking account. Benefits will
end 60 days after your Campus Card is no longer linked, and the Bank's standard Everyday Checking account terms and fees apply.
Wells Fargo Campus ATM and Campus Debit Cards are available for students, faculty and staff of colleges and universities that
participate in the Wells Fargo Campus Card SM program.
*****Wells Fargo Worldwide Military Banking program:
You will receive your Worldwide Military Banking program benefits 45 days after your qualifying non-civilian military direct deposit is
deposited into your eligible Wells Fargo checking account. For more information on the qualifying non-civilian military direct deposit,
program qualifications and benefits, please visit wellsfargo.com/military/worldwide-military-banking or
wellsfargo.com/depositdisclosures
******Overdraft Fees:
Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card
transaction, or other electronic means). We charge no more than three overdraft fees per business day. Overdraft fees are not
applicable to Clear Access Banking SM accounts. The payment of transactions into overdraft is discretionary and we reserve the right
not to pay. For example, we typically do not pay overdrafts if your account is overdrawn, or you have had excessive overdrafts. You
must promptly bring your account to a positive balance.
*******Wire Transfer Fees:
In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you. The exchange
rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is
designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired
return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Wells Fargo
provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for
Jan 7, 2025 Page 5 of 6
transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or
wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks.
Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign
exchange transaction.
Please Note: The Consumer Account Fee and Information Schedule and Deposit Account Agreement, as amended, continue to apply.
General update on ATM and debit card fees
ATM or debit card fee waivers will no longer apply.
-$2.50 fee charged by Wells Fargo for all U.S. non-Wells Fargo ATM cash withdrawals, transfers and balance inquiries will apply.
-$5.00 fee charged by Wells Fargo for all International non-Wells Fargo ATM cash withdrawals will apply.
-$3.00 (U.S.) and 3% (international) debit card over-the-counter cash disbursement fee at a non-Wells Fargo bank will apply.
-3% international purchase transaction fee will apply.
-Fees charged by non-Wells Fargo ATM operator or network may apply.
For current ATM fees go to wellsfargo.com/online-banking/service-fees.
NEW YORK CITY CUSTOMERS ONLY -- Pursuant to New York City regulations, we request that you contact us at 1-800-TO WELLS
(1-800-869-3557) to share your language preference.
Other Wells Fargo Benefits
Help take control of your finances with a Wells Fargo personal loan.
Whether it's managing debt, making a large purchase, improving your home, or paying for unexpected expenses, a personal loan may
be able to help. See personalized rates and payments in minutes with no impact to your credit score.
Get started at wellsfargo.com/personalloan.
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Worksheet to balance your account Important Information You Should Know
Follow the steps below to reconcile your statement balance with your To dispute or report inaccuracies in information we have furnished to a
account register balance. Be sure that your register shows any interest Consumer Reporting Agency about your accounts:
paid into your account and any service charges, automatic payments or Wells Fargo Bank, N.A. may furnish information about deposit accounts to
ATM transactions withdrawn from your account during this statement Early Warning Services. You have the right to dispute the accuracy of
period. information that we have furnished to a consumer reporting agency by
A Enter the ending balance on this statement. $ writing to us at Overdraft Collection and Recovery, P.O. Box 5058, Portland,
OR 97208-5058. Include with the dispute the following information as
B List outstanding deposits and other available: Full name (First, Middle, Last), Complete address, The account
credits to your account that do not appear on number or other information to identify the account being disputed, Last
this statement. Enter the total in the column four digits of your social security number, Date of Birth. Please describe the
to the right. specific information that is inaccurate or in dispute and the basis for the
dispute along with supporting documentation. If you believe the
Description Amount information furnished is the result of identity theft, please provide us with
an identity theft report.
If your account has a negative balance:
Please note that an account overdraft that is not resolved 60 days from the
date the account first became overdrawn will result in closure and charge
off of your account. In this event, it is important that you make
arrangements to redirect recurring deposits and payments to another
Total $ + $ account. The closure will be reported to Early Warning Services. We reserve
the right to close and/or charge-off your account at an earlier date, as
C Add A and B to calculate the subtotal. = $ permitted by law. The laws of some states require us to inform you that this
communication is an attempt to collect a debt and that any information
D List outstanding checks, withdrawals, and obtained will be used for that purpose.
other debits to your account that do not appear In case of errors or questions about your electronic transfers:
on this statement. Enter the total in the column Telephone us at the number printed on the front of this statement or write
to the right. us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as
you can, if you think your statement or receipt is wrong or if you need more
Number/Description Amount information about a transfer on the statement or receipt. We must hear
from you no later than 60 days after we sent you the FIRST statement on
which the error or problem appeared.
1. Tell us your name and account number (if any).
2. Describe the error or the transfer you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need more
information.
3. Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If
we take more than 10 business days to do this, we will credit your account
for the amount you think is in error, so that you will have the use of the
money during the time it takes us to complete our investigation.
In case of errors or questions about other transactions (that are not
electronic transfers):
Promptly review your account statement within 30 days after we made it
available to you, and notify us of any errors.
To download and print an Account Balance Calculation Worksheet (PDF) to
help you balance your checking or savings account, enter
www.wellsfargo.com/balancemyaccount in your browser on either your
computer or mobile device.
Total $ - $
E Subtract D from C to calculate the
adjusted ending balance. This amount should be
the same as the current balance shown in your
register. = $ ©2021 Wells Fargo Bank, N.A. All rights reserved.Member FDIC. NMLSR ID 399801
