When you deposit $300 - $10,000 into a Collateral Account, your credit line will directly reflect the amount of your deposit. You must be at least 18 years old, not have declared bankruptcy within the past 12 months, and not have any unsettled liens. Balance Transfer Fee: Up to 5% for each balance transfer, with a minimum of $5. Cash Advance Fees: Either $10 or 5% of the amount of each advance, whichever is greater, for each SUPERCHECKSTM advance, ATM advance or advance through the Wells Fargo Online® banking program or customer service; Either $20 or 5% of the amount of each advance, whichever is greater, for each advance obtained in person at a participating financial institution or other source. Returned Check or Returned Payment Fee: Up to $35.