- If your account is enrolled in the optional Debit Card Overdraft Service, any account holder with transaction authority on the eligible checking account can remove the service by visiting a Wells Fargo ATM (select More Choices, Wells Fargo Services), through Online Banking, talking with a branch banker, or calling a phone banker at 1-800-TO-WELLS ( 1-800-869-3557 ). Business customers call 1-800-CALL-WELLS ( 1-800-225-5935 ).
- Review your statements for automatic transactions and cancel them by contacting the merchant(s).
- When you have a previously authorized transaction, such as ATM and debit card transactions, account transfers, and Wells Fargo Online Bill Pay transactions presented for payment and your account doesn't have enough money, we will pay the item(s) into overdraft and an overdraft fee may be assessed . Please refer to the Deposit Account Agreement and Consumer Fee and Information Schedule for more information.
- When checks and preauthorized automatic payments (ACH) are presented for payment and your account doesn't have enough money, we may pay the item(s) into overdraft or return the item(s) unpaid. Overdraft fees may be assessed for items paid into overdraft. Please refer to the Deposit Account Agreement and Consumer Fee and Information Schedule for more information.
Important Reminders:
- Accounts with a zero balance will continue to be charged applicable fees (like the monthly service fee) until you request to close your account.
- Any recurring payments or withdrawals (such as bill payments and debit card payments) from your account need to be cancelled before your request to close; otherwise, they may be returned unpaid. The payee or merchant may charge fees for returned items.
How do I close a CD (Time account)?
- Call us at 1-800-TO-WELLS ( 1-800-869-3557 )
- Visit a Wells Fargo branch near you.
- Or complete the Account Closure or Partial Withdrawal Request form (PDF) and send it to us by mail.
Please note: Early withdrawal penalties may apply if you make withdrawals or close a CD before the maturity date. In addition, the Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period. If you make a final transfer or withdrawal, you will have to wait until that item posts.
If you would like to close your Loan, Line of Credit, or other type of account, please call the appropriate customer service department listed on your statement or in this phone directory.
How do I search for a check?
If you already have Wells Fargo Online access, sign on. Click Checks from the Account Activity page. Then:
- Use Search to view more transactions
- You must enter either a check number (or range of check numbers) or the dollar amount of the check (or range of dollar amounts) to complete the search for your check.
- View a check by selecting the check icon.
If you're not enrolled for Wells Fargo Online access, enroll now.
More Information
- Opening and Closing Accounts Questions
- Order Checks, Stop Payments, and Other Requests FAQs
- Online Check Image Questions
Top Questions
How do I set up Direct Deposit?
Follow these steps for setting up Direct Deposit.
When will my deposit be credited to my account?
If you make your deposit on a business day before the cutoff time displayed at the banking location, ATM, or on the Wells Fargo Mobile ® app, we will generally credit the deposit to your account the same business day. If you make your deposit after the cutoff time or on a non-business day, we will credit it to your account on the next business day.
- Business days are Monday through Friday, except for federal holidays.
- Cutoff times are displayed in all locations. The cutoff time for most Wells Fargo ATM locations is 9 p.m. local time. The cutoff time for deposits using the Wells Fargo Mobile app is 9 p.m. Pacific Time.
- Use our locator to find the cutoff times for a banking location or ATM nearest you.
Note: In some cases it may be necessary to place a hold on your deposit. The first $225 is usually available the next business day, but the rest may not be available for several days. If you have questions about a hold that we placed on your deposit, please call 1-800-TO-WELLS ( 1-800-869-3557 ).
Can I use my mobile device to make a deposit?
Yes. With Wells Fargo mobile deposit (“Mobile Deposit”) you can make a check deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app on supported Apple ® and Android TM devices. Mobile deposit lets you submit photos of the front and back of your endorsed check. You can save time with fewer trips to a Wells Fargo ATM or branch.
What is my routing number?
Also known as a routing transit number, RTN, or ABA number. A routing number facilitates transactions such as inter-bank transfers and direct deposits. Routing numbers differ for Wells Fargo Checking and Savings accounts, Lines of Credit, and wire transfers. Find your routing number.
What is a deposit hold and why was a hold placed on my deposit?
A deposit hold means that although a check amount was credited to your account, it's not available for your use. Wells Fargo Bank's general policy is to make deposited funds available on the first business day after the Bank receives a deposit. In some cases, however, we may place a deposit hold on these funds and delay availability for up to 7 business days. Common reasons for placing a hold on a check or deposit include but are not limited to:
- Accounts with frequent overdrafts
- New customer
- High-dollar deposits that exceed the total available balance in the account
- Deposits of checks that have already been returned unpaid
- Notification to Wells Fargo by the check maker’s financial institution that the check will be returned
More Information
- Deposit Questions
- How to Set Up Direct Deposit
- Deposit Hold Questions
Top Questions
Is there a charge to access my accounts through Wells Fargo Online ® ?
No. There's no fee for accessing your accounts online.
What is the fee for using Overdraft Protection?
Overdraft Protection allows Wells Fargo to transfer money from an eligible linked savings account or advance money from an eligible linked credit account if there is not enough money in the checking account to cover transactions.
There is no fee for Overdraft Protection transfers or advances from accounts linked for Overdraft Protection. For advances from a linked credit account, interest will accrue from the date of each advance. See your credit account agreement for details.
What is a fee period?
The fee period is used to calculate the monthly service fee and other monthly fees.
The dates of previous periods and activities that counted towards avoiding the monthly service fee can be viewed in the Monthly Service Fee Summary (not available for Prime Checking, Premier Checking, retirement, IOLTA, RETA, and analyzed business accounts). Monthly fees are calculated and posted on the last business day of the fee period.
The summary for each fee period includes:
- Minimum requirements for each option to avoid the monthly service fee
- Your activity towards those requirements within the dates of the fee period
Sign on to Wells Fargo Online ® and within your specific checking account Activity Summary, open Show more detail (for mobile) and access the Monthly Service Fee Summary link, which will show your fee period.
This information is also located on your checking account statement in the section called Monthly Service Fee Summary.
For Prime Checking and Premier Checking accounts, the fee period begins on the first business day of the calendar month. On the last business day of the calendar month the fee period ends and the monthly fees are calculated.
What fees other than monthly service fees are calculated monthly for my consumer account?
If applicable, the check image option fee is calculated and posted to your account on the last business day of the monthly fee period. Please refer to the Deposit Account Agreement and Consumer Fee and Information Schedule for more information.
What fees other than monthly service fees are calculated monthly for my business account?
Some other fees that are calculated and posted to your business account on the last business day of the fee period include check image option, transactions, deposited items, cash deposit processing, coin order, currency order and money services business fees. This is not a complete list of fees, and if applicable on your account, these monthly fees are in addition to your monthly service fee. Please refer to the Business Account Fee and Information Schedule (PDF) for additional business account information.
More Information
- Fees Questions
- Checking and Savings Monthly Service Fee Questions
Top Questions
How do I report a lost or stolen debit or ATM card?
Contact us right away when your card is lost or stolen.
Sign on to Wells Fargo Online ® to request a replacement card.
Or call us at 1-800-TO-WELLS ( 1-800-869-3557 ) for personal debit or ATM cards.
For business debit or ATM cards call 1-800-CALL-WELLS ( 1-800-225-5935 ).
Note: If you lose your card while traveling outside the United States, you have two options:
- Call us collect, then follow the voice instructions:
- If you lose your personal card: 1-925-825-7600
- If you lose your business card: 1-916-480-3190
- Find international access codes to use to contact our toll-free customer service numbers
You can request that your replacement card be mailed to your travel destination.
Remember, your card comes with Zero Liability protection at no extra cost, which means you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions.
What do I do if I find a suspicious transaction on my account?
If you find a suspicious card transaction, call the number on the back of your card immediately. Your card comes with Zero Liability protection which means you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. We will investigate your claim. Please refer to the appropriate card terms and conditions for details regarding your responsibility to notify us of disputes within specific time frames. After reporting the suspicious transaction to us, you can track the status online by signing on and going to Dispute a Transaction under the Accounts tab.
How do I see what alerts are available and sign up for alerts for my card?
Sign on to Wells Fargo Online and access Manage Alerts. Select your debit card from the account list. Choose your alerts and delivery preferences – email, push notification, or text. You can add new alerts or change your notification preferences at your convenience.
What are the daily purchase and ATM cash withdrawal limits for my card?
There is a daily maximum limit on the dollar amount of the purchases you can make with your debit or ATM card. Your card also has a maximum limit on the dollar amount of cash withdrawals you can make. Your purchases and ATM withdrawals also are subject to the available balance in your account. We provide you your daily ATM withdrawal and purchase limits when you receive your Card. You can confirm or manage your card's daily limits by signing on to Wells Fargo Online or the Wells Fargo Mobile ® app, or calling the number on the back of your card.
How do I turn my card on or off?
If you have misplaced your card and need time to find it, you can temporarily turn your card off to help prevent unauthorized card transactions. Please note that previously authorized recurring payments, credits, refunds, and reversals may be approved while your card is turned off.
When you find your card, you can turn it back on. Sign on to Wells Fargo Online or your Wells Fargo Mobile ® app to access Turn Card On or Off.
You can also call us at 1-800-TO-WELLS ( 1-800-869-3557 ) for personal debit cards. For business debit cards call 1-800-CALL-WELLS ( 1-800-225-5935 ).
If you think your card has been lost or stolen, report it to us immediately. You can order a replacement card online, from your Wells Fargo Mobile ® app or by calling us. For personal cards call 1-800-869-3557 . For business cards call 1-800-225-5935 .
More Information
- Debit Card Questions
- Debit Card Alerts Questions
Resources
- Routing and Account Numbers
- Foreign Currency FAQs
- Compare Checking Accounts
- Savings Accounts and CD Rates
Applications and Rates
- Apply for an Account or Service
- Save and Retrieve Applications FAQs
- Application Status FAQs
- Rates
Outstanding Cashier's checks are subject to state or territorial unclaimed property laws.
If the cashier's check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only be completed within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In addition, for cashier's checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier's check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable surety bond. This can be purchased through Wells Fargo's approved insurance carrier or through an insurance carrier of the customer's choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier's underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies.
Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking SM accounts. The overdraft fee for Wells Fargo Teen Checking SM accounts is $15 per item and we will charge no more than two fees per business day.
Recurring debit card payments and other transactions, such as checks, Bill Pay, or ACH transactions, may continue to be authorized into overdraft at our discretion if there isn’t enough money in the account, even if the account is not enrolled in Debit Card Overdraft Service, and our standard overdraft fees and policies will apply.
The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.
Mobile deposit is only available through the Wells Fargo Mobile ® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.
With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.
Your card’s daily ATM withdrawal limit is the maximum amount of cash you can withdraw each day from any combination of accessible accounts using your card, less any fees charged by the non-Wells Fargo ATM operator or third party, if applicable.
Available balance is the most current record we have about the funds that are available for your use or withdrawal. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to the Bank. This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant.
Turning off your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or transactions using other cards linked to your deposit account. Posting refunds, reversals, and credit adjustments to your account will continue. Any digital card numbers linked to the card will also be turned off. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
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