3. Fill Out the Online Application or Apply in Person. Wells Fargo makes it fast and easy to open a bank account online. Gather the required personal information and the $25 opening deposit. You'll be asked a few questions, such as whether you are a current customer and whether you want a joint or individual account. Step 2. Call Wells Fargo customer service at 877-906-6055. If your credit card is a Wells Fargo credit card, tell the agent that you would like to transfer money from your credit card into your Wells Fargo account. You will need your credit card, bank routing number and bank account number to complete the transaction over the phone.