Emva koko
Eyilwe ngo-Matshi 1852 nguHenry Wells, uWilliam Fargo, kunye nabahlobo babo, u-Wells Fargo kuqala wavula iinyanga ezimbalwa kamva ngamasebe eSan Francisco naseSacramento, eCalif.
Namhlanje, iwebhusayithi yekampani yenza kube lula ukuba abathengi bangene ngemvume baze bajonge iakhawunti zabo okanye bavule ii-akhawunti ezintsha. Abathengi kufuneka bachaze ilizwe labo ngoba iinkcukacha zeakhawunti zihluka kwilizwe lonke. I-akhawunti yokuhlola kunye nokulondolozwa yenzelwe ukubhenela kubathengi kumanqanaba ahlukeneyo emali.
Izibonelelo zeAkhawunti
I-akhawunti yokujonga ingundoqo (Ukuhlola ixabiso) inokuvulwa nge-deposit $ 100. Abaxhasi bahlawula imali engama-5 yenyanga ngenyanga ngaphandle kokugcina ibhalansi ye-1,500 okanye ukusebenzisa idiphozithi ngqo. Ikholeji yaseChobho ukujonga abafundi abajolise kuzo. Imali eyi-3 yemali yenyanga ikhutshwa xa i-akhawunti idibene ne-ATM yekampu okanye ikhadi le-debit. Inkokhelo ibuye ikhutshwe ukuba umthengi ugcina ibhalansi ye-$ 500 okanye usebenzisa idiphozithi ngqo.
Ekupheleni okuphezulu, iphakheji le-Wells Fargo le-PMA inika inzuzo ephezulu, kubandakanywa ukuhlolwa kwamahhala kunye nezinye iinkonzo kunye nenani elincinci leemali ezikhutshwe nge-ATM. I-akhawunti inokuvulwa nge-$ 100 kodwa iphethe imali engama-30 yenyanga yenkokhelo yesevisi kwimali engaphantsi kwama-25,000.
Izinketho zokuGcina eziCwangcisiweyo
Izintathu ze-Wells zokugcinwa kweakhawunti ye-Wells zokugcina i-Goal Savings, ezinokuvula i-$ 25 kwaye zifuna imali engama-$ 300 ukukhusela imali yeenkonzo zenyanga nganye ze-$ 3; Ukugcinwa kweMali yeMarike, evulekileyo nge-$ 100 kwaye idinga imali engama-3,500 okanye ukutshintshela ngokuzenzekelayo ukuphepha i-$ 10; kunye nokuThengiswa kweMali ePhakamileyo, ehlawula umyinge onomdla kwaye efuna ukulinganisa imali eyi-25,000 ukuphepha umrhumo wenkonzo ye-$ 25.
Izixhobo ze-intanethi
Ibhanki yenye yeyokuqala ukubonelela ngebhanki ye-intanethi, ukuqala ngo-1989. Namhla, u-Wells Fargo ukhonza malunga nabagizi be-184 abazigidi nge-intanethi. Iinkonzo ze-Intanethi ziquka ithuluzi lokulawula imali yamahhala apho abathengi banokulandelela imali; esinye isixhobo sikhululekile esinceda abathengi ukuba bahlangabezane neenjongo zokulondoloza; umthombo wesikweletu owanceda ukulawula iitaliti kunye nokunciphisa amatyala; kunye nenkonzo ehlawula imali.
Ixesha elizayo lweeFrango
Ngo-2010, ibhanki yayalawulwa ngumgwebi welizwe laseCalifornia ukuhlawula imali engama-203 yezigidi kwiimali ezingaphezulu kwee-overdraft kumakhasimende. Ijaji igxeke inkampani ngokubala iifizi zokufumana iimali eziphezulu ngaphezu kweyorhwebo. Kwiphepha elikhanyayo, u-Wells Fargo, uvulindlela we-intanethi ye-intanethi, waqaphela umagazini we-Global Finance njengeBhanki ye-Intanethi yeNtanethi.