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Link your WolfCard to a Wells Fargo Clear Access Bankingâ„  or Everyday Checking account² for banking convenience.

University of Nevada, Reno and Wells Fargo have teamed up to offer you optional banking convenience with your linked WolfCard. Use it as your official student ID, for campus privileges, and for your day-to-day financial needs on and off campus when it’s linked to a , with two account options ideal for students. Enjoy no-fee access to Wells Fargo ATMs nationwide, including the Wells Fargo ATMs on campus. Make purchases using your Personal Identification Number (PIN) with your linked WolfCard. Faculty and staff are also eligible to participate. Take advantage of this optional benefit today.

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The Wells Fargo Campus Card Program offers a convenient way to access your money on and off campus, plus exclusive benefits for students, faculty, and staff with a linked eligible Wells Fargo checking account. See more details about how we’re making college life a little easier, and find out more by watching our video about the

University of Nevada, Reno is not an FDIC-insured deposit institution; FDIC deposit insurance only protects against the failure of Wells Fargo Bank, N.A. Member FDIC.

1. 1. The WolfCard is an official school ID and a Wells Fargo Campus ATM Card when linked to a Wells Fargo checking account.
   2. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
   3. Mobile deposit is only available through the Wells Fargo Mobile^® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. See Wells Fargo’s  and your applicable business account fee disclosures for other terms, conditions, and limitations.
   4. 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  for more information.
   5. Enrollment with Zelle^® through Wells Fargo Online^® or Wells Fargo Business Online^® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle^®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle^® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle^® offers purchase protection for payments made with Zelle^® - for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle^® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle^® directly through their financial institution’s online or mobile banking experience. For more information, view the . Your mobile carrier's message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle^®.
   6. Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
   7. These benefits will take effect within 45 days following the linkage of your Campus Card to a Clear Access Banking or Everyday Checking account. Your account must be linked to an open, active Wells Fargo Campus Card to remain eligible and receive these benefits. Benefits will end 60 days after your Campus Card is no longer linked and the Bank’s standard Clear Access Banking or Everyday Checking account terms and fees apply. For more information, please refer to the  or see a Wells Fargo banker.
   8. Fees charged by non-Wells Fargo ATM operators or networks may apply.
   9. 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 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.
   10. With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or  for information on liability for unauthorized transactions.
   11. Minimum opening deposit is $25. Monthly service fee for the Everyday Checking account is $10 and can be avoided when the primary account owner is 17 through 24 years old. Monthly service fee for the Clear Access Banking account is $5 and can be avoided when the primary account owner is 13 through 24 years old. When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee. Everyday Checking and Clear Access Banking customers have other way(s) to avoid the monthly service fee. Customers between 13 and 16 years old must open the Clear Access Banking account with an adult co-owner. See a Wells Fargo banker or the Consumer Account Fee and Information Schedule available at  for more information about other fees that may apply and options to avoid the monthly service fee.
   12. Other fees may apply, and it is possible for the Clear Access Banking account to have a negative balance. Please see the  for details.
   13. If you convert from a Wells Fargo account with check writing ability to a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. The payee may charge additional fees when the check is returned. Make sure that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written before converting to the Clear Access Banking account.
   14. With Extra Day Grace Period, if your account is overdrawn, you have an additional business day (extra day) to make covering deposits and/or transfers to avoid overdraft fees. If your available balance as of 11:59 pm Eastern Time on your extra day is positive, the pending overdraft fees for the prior business day’s overdraft items will be waived. If your available balance as of 11:59 pm Eastern Time is enough to cover some, but not all, of the prior business day’s overdraft items, the available balance will be applied to the transactions in the order that they posted to your account (based on our posting order practices described in the Deposit Account Agreement). Any overdraft items that are not covered by 11:59 pm Eastern Time on your extra day are subject to applicable overdraft fees. All deposits and transfers are subject to the Bank’s Availability of Funds Policy. Please see the Wells Fargo  for more details.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Wells Fargo may provide financial support to University of Nevada, Reno for services associated with the WolfCard.

Wells Fargo Bank, N.A. Member FDIC.

QSR-05122026-7289969.1.1

LRC-1024

The Department of Education’s Cash Management regulations 34 CFR 668.164(d)(4)(i)(B)(2), require institutions participating in T2 (Campus Card) arrangements to list and identify the major features and commonly assessed fees as well as a URL for the terms and conditions of each financial account offered under the arrangement.

View the 2024 Wells Fargo Financial account disclosure

View the campus ATM/pin-based debit card agreement