Wells Fargo said it expects to pay as much as $1.8 billion to help replenish a government deposit insurance fund drained of $16 billion this year after three banks collapsed. The bank’s shares sank more than 1% on the news.

The bank said it would set aside the money to be paid when the Federal Deposit Insurance Corporation finalizes a rule on a proposed special assessment. The regulator is proposing a fee on 113 banks to fill a hole in the fund created by covering depositors at failed lenders, with the country’s most prominent institutions paying 95% of the cost.

In a regulatory filing on Tuesday, Wells Fargo said it would be subject to the FDIC’s proposal on a pretax “special assessment” of up to 0.125 percent of uninsured deposits at each consolidated bank as of March 31, 2022. Wells Fargo is estimated to have uninsured deposits of up to $1.8 billion at the end of 2022.

The company also said it would resolve a criminal probe of its community banking practices with a deferred prosecution agreement. Under the agreement, the bank will not be prosecuted for three years if it complies with certain conditions, including continuing to cooperate with ongoing investigations. The settlement includes an estimated $3 billion in consumer redress and other remedies.

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During the period covered by the settlement, Wells Fargo used “gaming strategies” to meet unrealistic sales goals that led to thousands of employees opening millions of accounts and products for customers without their consent or knowledge. These included checking and savings accounts, credit cards, bill pay, and global remittance services. Many of these accounts were opened without any valid business purpose or in violation of various consumer financial laws. Wells Fargo’s senior leadership and the Community Bank’s board of directors knew about these illegal sales practices but failed to take adequate action.

Wells Fargo will also change its practice of charging surprise overdraft fees in deposit accounts by no longer imposing them on accounts with available funds during a debit transaction. It will also no longer charge overdraft fees for add-on products, such as overdraft protection and auto transfer services, that consumers did not request. Wells Fargo will also stop charging mortgage servicing fees to borrowers with available funds during a debit purchase or other overdraft event.

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