Wells Fargo Everyday Checking
JANUARY 31, 2025 Page 1 of 7
Questions?
NERMIN DULALIC Available by phone 24 hours a day, 7 days a week:
3914 BARDSTOWN RD We accept all relay calls, including 711
104 LOUISVILLE, KY 40218 1-800-TO-WELLS (1-800-869-3557)
En español: 1-877-727-2932
Online: wellsfargo.com
Write: Wells Fargo Bank, N.A. (297)
P.O. Box 6995
Portland, OR 97228-6995
You and Wells Fargo Account options
Don't fall for an IRS imposter scam. Learn to spot scams and help avoid tax fraud at A check mark in the box indicates you have these
www.wellsfargo.com/SpotTaxScams. 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
Statement period activity summary Account number: 7463552759
Beginning balance on 1/1 $31,614.55 NERMIN DULALIC
Deposits/Additions 8,987.75
New York account terms and conditions apply
Withdrawals/Subtractions - 1,675.74
For Direct Deposit use
Ending balance on 1/31 $38,926.56
Routing Number (RTN): 061099227
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.
JANUARY 31, 2025 Page 2 of 7
Transaction history
Check Deposits/ Withdrawals/ Ending daily
Date Number Description Additions Subtractions balance
1/3 Direct Deposit on 01/03 From Gillman Automotive 1,475.64
S3830781236863521
1/3 Money Transfer authorized on 01/03 From Abel Louisville KY 129.12
S303049030847364 Card 7439
1/3 Money Transfer authorized on 01/03 From Chancellor Louisville KY 7.55
S583049031445846 Card 7439
1/3 Purchase authorized on 01/03 From Gand Rove Movers Inc 142.48
S583047548153585 Card 7439
1/3 Purchase authorized on 01/03 Cricket Wireless 855-642-8493 CA 45.00 33,039.38
S583047549735779 Card 7439
1/9 Purchase authorized on 01/09 Cash App*Chancellor*Ad 8774174551 450.00
KY S303047754842134 Card 7439
1/9 Money Transfer authorized on 01/09 From Chancellor Louisville KY 29.55 32,618.93
S463053000159233 Card 7439
1/10 Recurring Payment authorized on 01/10 ABC*Eos Fitness 26.99
888-8279262 NV S303048618891471 Card 7439
1/10 Purchase authorized on 08/07 Uber Trip Help.Uber.Com KY 29.30
S583049031884871 Card 7439
1/10 Direct Deposit on 01/10 From Gillman Automotive 1,475.64 34,038.28
S3830781245354378
1/14 Zelle From Daphnei Marzo on 01/14 Ref # Jpm999T0Hxyk 113.00
1/14 Purchase Return authorized on 01/14 Cash App*Jason Ch 41.00
4153753176 CA S463043347463098 Card 7439
1/14 Purchase authorized on 01/14 Cash App*Chancellor*Ad 8774174551 29.00
KY S583056352585170 Card 7439
1/14 Purchase Return authorized on 08/12 Delta Air 006236 11.24
Delta.Com KY S623060548671712 Card 7439
1/14 Purchase authorized on 08/14 Cash App*Chancellor*Ad 8774174551 35.40
KY S303059309523628 Card 7439
1/14 Purchase authorized on 01/14 Cash App*Chancellor*Ad 8774174551 50.00
KY S303059860921265 Card 7439
1/14 Purchase authorized on 01/14 Cash App*Chancellor*Ad 8774174551 48.00
KY S583061049738104 Card 7439
1/15 Drais Management Direct Dep 10216 652064996378Grh 455.58
Barrow,Bianca
1/15 Purchase authorized on 01/15 Cash App*Chancellor*Ad 8774174551 76.00
KY S303062009575883 Card 7439
1/15 Purchase authorized on 01/15 Cash App*Bradley*Ad 8774174551 25.00
KY S463062011085501 Card 7439
1/15 Zelle to Williams Idris on 01/15 Ref #Pp0R3Fms8M 211.40 34,184.30
1/17 Zelle to Williams Idris on 01/17 Ref #Pp0R3Fmrtz 189.86
1/17 Direct Deposit on 01/17 From Gillman Automotive 1,475.64
S463061855150839
1/17 Money Deposit on 01/17 From Best Man Movers Inc 19.49 35,489.57
S463061855150839 Card 7439
1/19 Purchase authorized on 01/19 Lyft Ride Sun 9P 855-865-9553 KY 29.67
S303065188708608 Card 7439
1/19 Purchase authorized on 01/19 Lyft Ride Sun 10 855-865-9553 KY 22.43
S303065222126701 Card 7439
1/19 Purchase authorized on 01/19 Shell Oil 12641238 Vista KY 23.07 35,414.40
S303066047483921 Card 7439
1/21 Money Deposit on 01/21 From Winston WCCN KY 405.88
S3830003236637099
1/21 Zelle From Tom Hilton on 01/21 Ref # Bbt16647hr66 51.00
1/21 Money Transfer authorized on 01/21 From Chancellor KY 89.39
S383072793205338 Card 7439
1/21 ATM Cash Deposit on 01/21 6000 W 44th Ave Wheat Ridge KY 90.00 36,050.67
0003029 ATM ID 0672E Card 7439
JANUARY 31, 2025 Page 3 of 7
Transaction history (continued)
Check Deposits/ Withdrawals/ Ending daily
Date Number Description Additions Subtractions balance
1/24 Direct Deposit on 01/24 From Gillman Automotive 1,475.64 37,526.31
S3830781247593041
1/27 ATM Cash Deposit on 01/27 6000 W 44th Ave Wheat Louisville KY 67.50
0003031 ATM ID 0672E Card 7439
1/27 Purchase authorized on 01/27 The General 800 28 800-2801466 125.54
TN S463072800415208 Card 7439
1/27 Purchase authorized on 01/27 7-Eleven Richmond KY 77.00
P303074018030992 Card 7439
1/27 Purchase authorized on 01/27 Chevron 0209894 Virginia Beach KY 99.25 37,490.52
P383074557686776 Card 7439
1/31 Purchase authorized on 01/31 Town Square 8 Las Vegas KY 39.60
P583074416341991 Card 7439
1/31 Direct Deposit on 01/31 From Gillman Automotive 1,475.64 38,926.56
S3830787584729109
Ending balance on 1/31 38,926.56
Totals $8,987.75 $1,675.74
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.
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 01/01/2025 - 01/31/2025 Standard monthly service fee $10.00 You paid $0.00
How to avoid the monthly service fee Minimum required This fee period
Have any ONE of the following account requirements
· Minimum daily balance $500.00 $293,387.09 ✓
· Total amount of qualifying direct deposits $500.00 $1,348.83 ✓
· Age of primary account owner 17 - 24
· The fee is waived when the account is linked to a Wells Fargo Campus ATM or
Campus Debit Card
IMPORTANT ACCOUNT INFORMATION:
Effective with the fee periods beginning on or after March 24, 2025, the option to avoid the monthly service fee using "qualifying direct
deposit" will be enhanced to "qualifying electronic deposit".
Qualifying Electronic Deposit: 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 processed through the RTP network (real-time payment system) or FedNow SM Service, or (3) an
® ®
electronic credit from a third party service that facilitates payments to your debit card using the Visa or Mastercard network (e.g. an
®
Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle , or deposits made at a branch or ATM are
not considered a qualifying electronic deposit.
JANUARY 31, 2025 Page 4 of 7
IMPORTANT ACCOUNT INFORMATION
Important information regarding upcoming changes to the Campus Card benefits linked to an Everyday Checking account.
On March 5, 2025, Campus Card fee benefits will change.
1. The monthly service fee waiver benefit will end 60 days after an Everyday Checking account is no longer linked to an active Campus
Card. However, the $10 monthly service fee for Everyday Checking can be avoided if the account meets ONE of the following options
each fee period:
- $500 minimum daily balance
- $500 or more in total qualifying direct deposits*
- Primary account owner is 17-24 years old**
- Account linked to a Wells Fargo Campus ATM Card or Campus Debit Card***
2. Courtesy refunds provided with a linked Campus Card will continue for one overdraft fee*** and one incoming wire transfer fee***,
but the time period for calculating these refunds is changing from calendar month to fee period.
Statements include a monthly service fee summary with the dates of the fee period. The monthly service fee summary with the dates
of the fee period is also available online in the account's Balance Details and in the mobile app in the Activity Summary section.
There is no change to the following Campus Card benefit: No Wells Fargo fees for up to four cash withdrawals per fee period from
non-Wells Fargo ATMs in the U.S. (Fees charged by non-Wells Fargo ATM operator or network may apply.)***
* 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
®
processed through the RTP network (real-time payment system) or FedNow SM Service, or (3) an electronic credit from a third party
® ®
service that facilitates payments to your debit card using the Visa or Mastercard network (e.g. an Original Credit Transaction).
®
Transfers from one account to another, mobile deposits, Zelle , or deposits made at a branch or ATM are not considered a qualifying
electronic deposit. An ACH direct deposit made available early with Early Pay Day does not count towards the bonus requirements
until it posts to your account and is no longer pending (e.g., the pay date scheduled by your payor).
**When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.
***These benefits will take effect within 45 days following the linkage of a Campus Card to an Everyday Checking account. Benefits will
end 60 days after the Campus Card is no longer linked, and the Bank's standard Everyday Checking account terms and fees apply.
The Consumer Account Fee and Information Schedule and Deposit Account Agreement, as amended, continue to apply.
Wells Fargo Campus Card program
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.
Please let us know if you have questions
If you have questions about these changes or would like to make changes to your account, please contact your local banker or call the
number listed on your statement. We are here to help.
Thank you for banking with Wells Fargo. We appreciate your business.
Effective March 22, 2025, the fee for cashed or deposited items that are returned unpaid has been eliminated for consumer checking
and savings accounts. As such, Wells Fargo will no longer charge a fee when cashed or deposited items are returned unpaid for any
reason for consumer accounts.
JANUARY 31, 2025 Page 5 of 7
Effective March 1, 2025, we will no longer assess fees for stop payment requests on consumer and non-analyzed small business checking
and savings accounts. Thank you for banking with Wells Fargo. We appreciate your business.
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.
A simplified fee schedule for Consumer Wires will be effective April 26, 2025:
Outgoing wire transfer fees
- Digital Wire: Domestic and International U.S. currency = $25, International Foreign currency = $0
- Branch/Voice Channel: Domestic, International U.S. currency, and International Foreign currency = $40
- Repetitive Outgoing Wire: Domestic, International U.S. currency, and International Foreign currency = $25
Incoming wire transfer fee
- Domestic and International = $15
Fees may vary based on the type of account you have as some accounts offer fee waivers for some services. For a complete list of
services, fees, and fee waivers that are available with your account, please refer to your Consumer Account Fee and Information
Schedule, as applicable.
Can we reach you when it's really important?
Don't miss suspicious-activity alerts and critical account information. Please make sure your contact information is current by:
®
- Signing on to wellsfargo.com or the Wells Fargo Mobile app and navigating to the Update Contact Information page via My Profile
- Contacting the phone number at the top of your statement
- Visiting a branch
Please note: Your account has an ending balance of zero as of the date of this statement. Accounts with a zero balance will
continue to be charged applicable fees (like the monthly service fee) until you request to close your account. We may close an
account with a zero balance on the fee period ending date or at month end without prior notification to you. Once an account
is closed (either by you or us), no fees will be assessed on the account.
- To prevent closure by us without notification, an account with a zero balance must have a qualifying transaction posted within the
last two months of the most recent fee period ending date.
- Examples of qualifying transactions are deposits and withdrawals made at a branch, ATM, online, mobile, or via telephone; one-time
and recurring transfers made at a branch, ATM, online, mobile, or via telephone; automatic or electronic deposits, such as from payroll
or government benefits; automatic or electronic payments, including Bill Pay; one-time and recurring purchases or payments made
using a card or mobile device; and checks paid from the account.
- Bank-originated transactions, like monthly service or other fees, are not considered qualifying transactions that will prevent closure of
an account with a zero balance.
- If you do not plan to keep this account, we encourage you to redirect recurring deposits and payments to another account.
Questions? Please contact your banker or call the phone number appearing on your statement.
We appreciate your business. Thank you for choosing Wells Fargo.
JANUARY 31, 2025 Page 6 of 7
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.
JANUARY 31, 2025 Page 7 of 7
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 consumer reporting agencies. 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. Please describe the specific information that is inaccurate
B List outstanding deposits and other or in dispute and the basis for the dispute along with supporting
credits to your account that do not appear on documentation. If you believe the information furnished is the result of
this statement. Enter the total in the column identity theft, please provide us with an identity theft report.
to the right. If your account has a negative balance:
Please note that an account overdraft that is not resolved 60 days from the
Description Amount
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
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
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
Total $ + $ obtained will be used for that purpose.
In case of errors or questions about your electronic transfers:
C Add A and B to calculate the subtotal. = $ Telephone us at the number printed on the front of this statement or write
us at Wells Fargo Bank, P.O. Box 6995, Portland, OR 97228-6995 as soon as
D List outstanding checks, withdrawals, and
you can, if you think your statement or receipt is wrong or if you need more
other debits to your account that do not appear
information about a transfer on the statement or receipt. We must hear
on this statement. Enter the total in the column
from you no later than 60 days after we sent you the FIRST statement on
to the right. which the error or problem appeared.
Number/Description Amount 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.
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
