Wells Fargo's general policy is to make deposited funds available on the first business day after we receive the deposit. In some cases, however, we 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:.
For questions or information about a hold placed on a check or deposit, please contact a customer service supervisor at TO - WELLS , 24 hours a day, 7 days a week. Holds on deposits cannot be serviced through email. Be sure to include your account number with your deposit. Do not send cash by mail. If a deposit has already posted to your account, select View Details beside the deposit if you are already signed on. If the deposit has not yet posted, or if the deposit was made to an account you do not access online, call us at TO - WELLS Please have your Transaction Receipt available when calling.
A routing number facilitates transactions such as inter-bank transfers and direct deposits. Find your routing number. We add your direct deposit amount to your Available Balance on the same day we receive your deposit. The Available Balance is the most current record we have about the funds that are available for withdrawal from your account.
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. Please enable JavaScript on your browser and refresh the page. Learn More. Having a check deposit held can be a frustrating experience when you desire to have the funds available quickly for your financial needs. Understanding the reasons why we may hold a check deposit, how you get notified, and what it means to your cash flow can help you avoid fees and feel more confident.
Most of the time, when you deposit a check, a portion of the funds is made available to your account on the same day, with the remainder becoming available on the next business day.
Sometimes there are circumstances that cause a check deposit to be placed on a temporary hold of up to seven business days. We place the hold to protect you from fraud, overdrafts, or fees that may occur if we were to make funds available immediately and the check is returned to you.
Explore the "Funds availability policy" section in the Deposit Account Agreement for more information on check deposits. Deposit holds usually get placed at the time of deposit. We will notify you when the deposit amount will be available in your account in a variety of ways. If your check was deposited at a branch or ATM, your check receipt will include the date when the check amount will be available in your account.
If we place a deposit hold after the check was deposited, we will mail a letter to you with information related to the hold. When your check deposit is placed on a hold, you may be wondering why, or if, it's necessary. Here are a few common reasons for deposit holds. The need to verify sufficient funds. Sometimes, when a check is deposited, we may need to verify with the check writer's bank to ensure that the account has enough funds to cover the check amount before making all the funds available to you.
This step can take up to seven business days and helps you avoid having to repay the check amount if there were insufficient funds in the check writer's account. A redeposit of a previously returned check. To make an account the default for mobile deposit, select the account from the Deposit To drop-down, and check the Make this account my default box. Note: If you have only one account eligible for mobile deposit, it will automatically be your default account.
There is currently no fee to use Mobile Deposit. Your mobile carrier's message and data rates may apply. Mobile deposit is available only on the Wells Fargo Mobile app.
If you are using the mobile browser, this feature will not be available. If the Wells Fargo Mobile app does not detect the camera on your device, you will not be able to see the Deposit Checks option. Check to see if any Android permissions are interfering with mobile deposit. Both camera and photo permissions are necessary to use this feature. 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 available 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.
Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Banking Accounts and Services. Loans and Credit Accounts and Services. Investing and Retirement Our Investing Services. Wealth Management Wealth Services. Rewards and Benefits Explore Rewards. Comienzo de ventana emergente. If a deposit hold is placed after the deposit, we will notify you via US Postal Service and email if available.
Generally, held funds will be available to you on the date shown on your deposit hold notification or deposit receipt. We'll notify you separately via US Postal Service or email if the deposited check is returned unpaid or if that date changes. If a deposited check is returned unpaid by the bank upon which it is drawn, the amount of the check plus our Deposited Item Returned Unpaid fee will be deducted from your account.
Please refer to the Account Fee and Information Schedule as applicable for current fees. Wells Fargo is responsible for giving you prompt notice when there is a delay in the availability of your deposited funds. Additionally, if you did not receive a notice of the deposit hold at the time you made the deposit and the check you deposited is paid, we will refund any fees that were charged due to the deposit hold.
To obtain a refund of such fees, call the appropriate number below:. Cash deposits begin accruing interest the same business day a deposit is credited to your account.
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