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A woman stands at an ATM and pushes buttons. A panel of Braille bumps are visible below the ATM, with 1985 in the corner of the image. On the other side, a hand puts a card in an ATM with 2019 in the corner of the image.

The first banking solutions for customers who are blind

Before the 1970s, many bank customers with visual impairments had to depend on friends and family to handle their finances —until banks began providing new options.

October 11, 2019
Alyssa Bentz

Alyssa Bentz is a Wells Fargo historian.

Before the 1970s, blind and visually impaired customers had a difficult time controlling their own financial planning. They depended on trusted friends and family to read statements that arrived printed with ink that they could not see. While millions of sighted people used checks to pay for daily expenses like utility bills and groceries, people who were blind or had low vision could not find the signature line or amount field without a guiding hand. With few tools to aid their independence, many handed over their finances to others to act on their behalf.

Picture taken of the back of a woman’s head and a man holding a cane seated at a desk inside a bank branch.
John Millen, coordinator of services to the blind at the California State Department of Rehabilitation, discusses Braille checking accounts with a United California Bank — now Wells Fargo — banker at Los Angeles branch in 1973, saying it “will help personalize a blind person’s financial affairs.” Photo Credit: Wells Fargo Corporate Archives.

Without state or federal regulations requiring equal access, providing accommodations for customers who were blind or had low vision became a decision for each bank or business to make independently. Some banks declined service. One person in Los Angeles reported that her local bank refused to open an account for her as she, “cannot write her signature in a consistent manner.” A couple with visual impairments in Minnesota admitted that they had been turned away by two different banks in Minneapolis who told them there was “no possibility that anything could be done.”

Other banks created solutions for their customers. Banks in Nebraska and New York had pioneered adaptive tools for checking account customers in the 1940s and 1960s, but they lacked the ability to share that knowledge widely. Instead, grassroots efforts by individual bankers around the country brought these new accommodations to their local customers by the 1970s.

Tools for California customers

Mary Hilton, a consultant for people with visual impairments at the Los Angeles Department of Social Services, walked into the headquarters of United California Bank, now Wells Fargo, in 1973 with a question. She had learned that a bank in New York offered banking services to blind customers, and she asked if United California Bank would be willing to implement something to “give blind persons independence and dignity … and privacy in financial affairs.”

After a little research, the bank introduced the first checking account in California designed for people who were blind or had low vision.

Two hands hold a metal checkplate over a paper check. One hand holds a pen.
Wachovia — now Wells Fargo — introduced its metal “Checkwriter” to customers in 1972. Photo Credit: Wells Fargo Corporate Archives.

“Braille account” customers received an aluminum plate with holes that aligned with lines on a check to help guide their pen when issuing a check. The bank also offered monthly statements issued in Braille. Customers at any of the bank’s more than 250 branches throughout the state could sign up for the new account. Within the first year, more than 50 people signed up for the program.

A picture of a silver metal check guide over an orange United California Bank check.
A United California Bank check guide. Photo Credit: Wells Fargo Corporate Archives.

At the bank’s branch in Palm Desert, the first customer was William Ollsen, coordinator of community centers for the Braille Institute of America. After opening his account, he explained the significance to local reporters: “It’s important for blind people to do as many things for themselves as they can.” Another customer, Sharon Keeran, explained the benefit she found in the new program: “At last I’ll be able to know what my balance was.”

Members of Wells Fargo’s Corporate Responsibility Committee learned about United California Bank’s program and realized that they too needed to build accommodations for people with visual impairments. In 1974, they sought a different solution and became the first bank in the state to offer embossed — or raised line — checks for customers who were blind and oversized checks for those with low vision. Bank statements in Braille soon followed.

A woman seated at a desk uses her finger to feel the lines of a checkbook placed in front of her. A man seated next to her on the desktop is also using his finger to follow lines in the checkbook.
Wells Fargo team member Relia Lee, left, and Warner Ranch Branch Manager Bob Meurer examine Wells Fargo checks with embossed features and raised lines. These checks allowed those who were blind or had low vision to feel check lines and fill out checks independently. Customer Helen Harris sent a warm letter of thanks to Lee after Lee introduced Harris to the checks and helped her reconcile her accounts. Photo Credit: Wells Fargo Corporate Archives.

Solutions in North Carolina

In 1972, James Parrott managed the Wachovia, now Wells Fargo, bank branch closest to Governor Morehead School for students with visual impairments in Raleigh, North Carolina. The school approached him to help find banking tools for the teachers and students to use. Parrott learned about metal check guides from banks in other states and brought the idea to North Carolina. Wachovia announced that it would offer the ability to protect the banking privacy of any customer, including those who were blind or had low vision, at its 150 branches across 50 North Carolina cities.

One customer described the impact it had on her life, writing: “You probably cannot begin to imagine just what an excellent program you have begun for the visually-handicapped people who prefer to independently manage their own checking accounts. I am requesting my statements in Braille. I have received my template, and believe that it will serve me very well in writing checks.”

Mindful banking in Minnesota

Mildred and Edward Philips walked into Northwestern National Bank of St. Paul in 1975 in desperate need of a solution. Both had visual impairments, and other banks had turned them away when they had asked for accommodations. At Northwestern National Bank, they approached banker Gen Husnik for help. Husnik contacted community organizations for the blind and discovered solutions offered by other banks — checks with raised lines and metal check guides. Instead of choosing one of the two, she worked to implement both, making Northwestern National Bank possibly the first bank in the nation to offer a choice of check options for customers who were blind or had low vision. She also worked to create the bank’s first statements and business cards in Braille.

After using the bank’s new accommodations, Mildred Phillips summed up its impact to her life saying simply: “It means I can see.”

Three people are seated at an oval table. One woman smiles to the camera while another woman points to a check where a seated man is writing.
Mildred and Edward Phillips, who had visual impairments, approached Gen Husnik, right, at Northwestern National Bank of St. Paul, now Wells Fargo, to help them maintain financial independence of their finances with some account accommodation tools. Photo Credit: Wells Fargo Corporate Archives.

A timeline of accessibility at Wells Fargo

The introduction of embossed or raised line checks by Wells Fargo launched the bank’s interest in finding solutions for customers. Over the following decades, Wells Fargo continued to innovate ways to remove barriers for customers and inspire other banks to improve accessibility.

Today, Wells Fargo continues to be committed to providing outstanding service to people with disabilities — and wants all customers to be able to access accounts, pay a bill on the go, make an investment, manage a business, or learn more about a product or service. Like many companies today, Wells Fargo is building accessibility into products and services from the start so that technology like Wells Fargo’s Control Tower℠ and mobile app can be used by everyone.

1972

At the recommendation of team member Paul Isaac, who had a hearing impairment, Wells Fargo installs Porta-Printers. These telecommunication devices combined a keyboard and telephone, allowing customers with hearing impairments to type messages over the phone.

A man types on keyboard attached to phone while a standing woman watches.

1982

Wells Fargo activates the first wheelchair-accessible ATM in California.

A man in wheelchair pushes a card into an ATM while two other people standing look on. The ATM is decorated with celebratory balloons.

1985

The first ATM in California with instructions in Braille is introduced at Wells Fargo’s branch in Berkeley.

A woman stands at an ATM and pushes buttons. A panel of Braille bumps are visible below the ATM.

1995

After the Americans with Disabilities Act is signed into law in 1990, a Wells Fargo task force investigates improvements under the new law, including updates at older branches, and all ATMs start to have instructions in Braille. Helpful instruction brochures, like the one seen here, were also available in Braille.

A white paper brochure with raised bumps or Braille are visible. In printed text it reads: Wells Fargo Express ATM, How to make a 40 dollar withdrawal and other withdrawals and deposits.

1999

After conversations with the California Council of the Blind, Wells Fargo realizes that Braille provides limited support since not everyone with visual impairments can read Braille. Wells Fargo commits to finding a new solution and introduces the nation’s first talking ATM.

A woman standing in front of an ATM indicates how customers can activate the audio interaction.

2003

Wells Fargo is the first financial institution to have its website, wellsfargo.com, certified as accessible by the National Federation of the Blind.

A screenshot shows Wells Fargo's website with screens that show credit card options and someone's hand using their phone to explore their credit options.
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