Wells Fargo has introduced a new low-cost and checkless bank account with no overdraft fees to make it easier for customers to manage their money, make payments, and save. Clear Access Banking helps customers avoid spending more than what they have in their accounts, which makes it ideal for people who are either newer to banking, like teens, or need help managing their account balances, said Urmila Raghavan, leader of Consumer Deposit Product and Portfolio Management for Wells Fargo.