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Making Sense of Available Balance

Transcript: Making Sense of Available Balance

It’s a typical day.

You’re shopping for groceries, buying gas, getting things done.

As you make purchases with your debit card and withdraw cash from the ATM, it’s important to be aware of the available balance in your checking account.

This is the money you currently have available to cover purchases or to withdraw. This balance can change throughout the day as we authorize or receive notice of pending transactions. And your available balance is used to determine if you have enough to cover your next purchase or withdrawal.

You can find your available balance by using Wells Fargo Online® or the Wells Fargo Mobile® app, or at the ATM.

Note that your available balance only includes the transactions that Wells Fargo knows about, so it’s important to keep track of anything that’s pending or hasn’t posted to your account yet.

These can be:

Checks you’ve written that haven’t been cashed or deposited yet.

Monthly memberships, streaming video services, and other scheduled direct withdrawals that are paid automatically from your account.

And even the tip on a meal. For example, if you use your debit card to pay for take-out at a restaurant, the tip may be added a day or two later.

Now that you understand what available balance means, here are some tips to help you stay in the know.

Get into the habit of using your account’s tools — Wells Fargo Online® and our mobile app — to help track when money comes in and out.

You can also set up alerts to know when your available balance is at or below an amount you specify.

Set your calendar reminders a few days ahead of automatic payments so you can make sure you have enough money in your account.

Keep track of outstanding checks that you have written.

And if you see where you might come up short, you can quickly transfer money between Wells Fargo accounts.

Smart, simple strategies like these can help you stay on top of your money.

© 2020 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

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.

Sign up may be required for alert notifications, and availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates apply.

Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means); our fee for returning items for non-sufficient funds is $35 per item. We charge no more than three overdraft and/or non-sufficient funds (NSF) fees per business day for Consumer accounts and eight per business day for Business accounts. Overdraft and/or non-sufficient funds (NSF) fees are not applicable to Clear Access Banking℠ accounts. The overdraft and/or non-sufficient funds (NSF) fee for Wells Fargo Teen Checking℠ accounts is $15 per item and we will charge no more than two fees per business day.

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.