If you have decided to open your account in a state where Wells Fargo does not have a physical banking site, your account will be opened as in California and will be subject to california account details. The deposit account agreement contains conditions applicable to all Wells Fargo customer deposit accounts. Disclosure of private consumer bank deposit products contains terms and conditions for Wells Fargo Private Banking Consumer savings and savings accounts. This disclosure is intended to be used in conjunction with wells Fargo accompanying brochures, the deposit account agreement and consumer account fees and the information plan that provide important information on consumer review, savings and time accounts, as well as other relevant details about services and related fees. The account fee and customer information plan contains important information about Wells Fargo`s consumer verification, time savings accounts and details of services and related fees. This information is also available in Spanish (click on the link “Espaol” at the top of this page). Private Banking Consumers Deposits Products Disclosure.