Checking accounts > Wells Fargo Everyday Checking vs. Bank of America Advantage Plus Banking
Selecting the right checking account requires careful consideration of fees, access, and customer service. This comparison analyzes Wells Fargo Everyday Checking and Bank of America Advantage Plus Banking to help you make an informed decision.
This comparison analyzes real-world performance, user feedback, and key differentiators to help you make an informed decision.
Quick Verdict
Bank of America's Advantage Plus Banking offers a more straightforward fee structure and better overdraft protection, making it a slightly better choice for most users. However, Wells Fargo's large ATM network might be preferable for frequent travelers.
- Bank of America offers lower overdraft fees and a larger ATM network.
- Wells Fargo's fee waiver requirements are more complex and subject to change.
- Customer service ratings for Wells Fargo are highly variable across platforms.
Who Should Choose Which?
Choose Wells Fargo Everyday Checking if:
Customers who prioritize a large ATM network and are comfortable navigating potentially complex fee waiver requirements.
Choose Bank of America Advantage Plus Banking if:
Individuals seeking lower overdraft fees, a simpler fee structure, and robust digital banking tools.
Key features – Side-by-Side
| Attribute | Wells Fargo Everyday Checking | Bank of America Advantage Plus Banking |
|---|---|---|
| Monthly Maintenance Fee | $10 (waivable) | $12 (waivable) |
| Fee Waiver Requirements | Varied, including minimum daily balance, electronic deposits, or age-based waivers. Changes after October 2025. | Direct deposits of $250+, $1500 minimum daily balance, or enrollment in Preferred Rewards. |
| Overdraft Fees | $35 per item (max 3/day), no fee on items $5 or less | $10 per item (max 2/day), no fee if overdrawn by $1 or less, or for items $1 or less. |
| ATM Network | Over 10,000 Wells Fargo ATMs; $3 out-of-network fee (U.S.) | Approximately 15,000 Bank of America ATMs; $2.50 out-of-network fee (U.S.), $5 (international) |
| Customer Service Ratings | Mixed: Trustpilot 1.4/5, BBB 1.07/5, App Store 4.9/5, Google Play 4.8/5 | Bankrate 3.8/5 overall rating |
Overall Comparison
Pros and Cons
Wells Fargo Everyday Checking
- Large ATM network
- Mobile banking features
- Online banking features
- Contactless debit card
- Zero Liability protection
- 24/7 customer service
- FDIC insured
- Optional Overdraft Protection
- Monthly maintenance fee
- Overdraft fees
- Fees for out-of-network ATMs
- Low customer service ratings on Trustpilot and BBB
Bank of America Advantage Plus Banking
- Mobile check deposit
- Zelle for quick money transfers
- Bill pay
- Custom alerts
- Debit card controls
- Virtual financial assistant named Erica
- Easy online banking experience and digital tools
- Spending and Budgeting Tool
- $0 Liability Guarantee
- Debit card controls such as locking your debit card
- Integrates with other Bank of America financial products
- Balance Connect for overdraft protection
- Monthly maintenance fee of $12 (unless fee waiver requirements are met)
- Overdraft fee of $10 per item (maximum of two per day)
- Fees for using out-of-network ATMs ($2.50 in the U.S., $5 internationally)
- Foreign transaction fee of 3% for international ATM use
User Experiences and Feedback
Wells Fargo Everyday Checking
- No highlights reported.
- No major complaints reported.
- No value feedback reported.
Bank of America Advantage Plus Banking
- Easy online banking experience
- Helpful digital tools
- Straightforward website design
- Information about fees and rates is relatively easy to find
- Mobile deposits are convenient
- Spending and Budgeting Tool automatically tracks transactions and categorizes expenses
- No major complaints reported.
- No value feedback reported.
Frequently Asked Questions
Which account is easier to waive the monthly fee?
Bank of America's fee waiver requirements are generally simpler, focusing on direct deposits or minimum balance.
Which account has better mobile banking features?
Both offer robust mobile banking, but Bank of America includes a virtual financial assistant (Erica).
Sources & Citations
- Official product specifications
- Expert reviews from tech publications
- User feedback from online forums
Information gathered through AI-assisted web search and analysis. Last updated: August 2025
Methodology & Transparency
Our comparison methodology combines multiple data sources to provide comprehensive, unbiased analysis:
- Data Collection: We gather information from official specifications, user reviews, and independent testing
- AI-Assisted Analysis: Advanced AI helps process large amounts of data while maintaining accuracy
- Human Oversight: All comparisons are reviewed for accuracy and relevance
- Regular Updates: Content is refreshed to reflect new information and user feedback
- Bias Mitigation: We strive for objectivity by considering multiple perspectives and sources
Versusly.ai uses AI-assisted content generation combined with human oversight to deliver comprehensive comparisons. We are transparent about our process and continuously work to improve accuracy and usefulness.