Getting Started Guide:

Money in - how to make deposits
 
Adding money to your account
 
There are many ways to add money to your account:

  • Direct deposit: Setting up direct deposit of your paycheck or other income into your account is quick, secure, and convenient – giving you immediate access to your money
  • ATM: Using a Wells Fargo ATM is a convenient, safe and easy way to deposit money into checking accounts and is available 24 hours a day, 7 days a week
  • Wells Fargo banking locations: Visit any Wells Fargo banking location to make your deposit during bank business hours
  • Transfers: You can transfer money to your checking account from other Wells Fargo accounts, at ATMs, online or at a banking location
  • Automatic transfers: You can set up a free recurring transfer of money from one Wells Fargo account to another. You choose the day and the amount you wish to transfer at time of setup
  • Wells Fargo Mobile® Deposit: You can also securely deposit checks directly into your eligible account using your mobile device.1
Tip: Set up direct deposit and have timely access to your paycheck or other income on payday. Most employers and government agencies offer direct deposit.
 
direct deposit
 
It’s convenient, safe, and easy. With direct deposit, instead of receiving paper checks, you can have your paychecks or federal benefit payments automatically deposited into your bank account. Here are some key benefits:

It’s convenient
  • You’ll have immediate access to your money without running to the bank to deposit your check first — even when you’re on vacation, home with a cold, or just too busy to get to the bank.
  • It’s available for many income sources, including Payroll Checks, Annuity or Dividend Payments, and Federal Benefit Checks, such as Social Security (SSA), Supplemental Security Income (SSI), Veteran’s Compensation, Pension, and Civil Service Retirement.

It’s safe
  • Your funds are automatically deposited into your bank account. You will not have to worry about delayed, lost, or stolen paper checks.

It’s easy
  • It’s easy to arrange for direct deposit of your paycheck to your Wells Fargo account:
    • Make sure your employer processes direct deposits.
    • Give your employer your routing and account numbers from the bottom of one of your checks.
To setup direct deposit of your Social Security or other federal benefits, visit a Wells Fargo banking location and we’ll arrange it on your behalf.
See how direct deposit can make your life easier
 
Compare payday experiences of two people:

  • Both work for ABC company, which offers direct deposit
  • Both are paid on the first of every month
  • Mary has set up direct deposit, but Jerry has not
Jerry must pick up his check at work and then go to the bank to deposit or cash his check. Image of woman: Mary’s check is deposited automatically into her account on payday, so her money is already in her account and available for use.



 
Find out more about direct deposit
 
Enroll today for this free, convenient service by visiting any Wells Fargo banking location.
Preparing your deposit
 
You can make deposits at a Wells Fargo Envelope FreeSM ATM. You can also make deposits with a bank teller or by mail. Deposit slips are not needed at Envelope Free ATMs.

1. Account Number: This number ensures that the money is deposited in the correct account. If you do not have your account number with you, your banker can provide the information to you.

2. Bank Routing Number (RTN): This is the nine-digit number on the bottom left-hand corner of your checks, to the left of your account number. Every bank in the United States has at least one routing number. You’ll need this number to set up direct deposit.

3. Your Information: Your name is preprinted or written in. Write in today's date.

Image example of a deposit slip
 
4. Cash: If depositing cash, write the amount.

5. Checks: If you are depositing checks or money orders, list them separately here on the front, and use the back if necessary.

6. Subtotal: Write the total amount of your deposit.

7. Less cash received: Write the amount of cash you would like to get back from the checks you are depositing. If you are depositing a check and would like cash back, you must sign the deposit slip and provide identification to the bank teller to confirm you are the account holder.

8. Total: Subtract the amount, if any, on the line Less Cash Received from the Subtotal, and record the total amount being deposited here.
Understanding deposit holds
 
What is a deposit hold?
Occasionally, the bank may place a hold on a deposit you make. A hold may be placed either at the time of the deposit or based on information Wells Fargo learns later. When a hold is placed on a deposit, you will notified of the hold either by the teller, by mail, email, or at the ATM.

Common reasons for holds:
  • If your account has frequent overdrafts or returned unpaid checks
  • Deposit amount is larger than your available balance or out of pattern with your past deposit activity
  • You are re-depositing a check that has already been returned unpaid
  • Paying bank notifies Wells Fargo that the check you are depositing will be returned unpaid

What your options are once you’ve been notified in person of a hold:
  • Deposit the check and wait for the hold to expire
  • Do not deposit the check
  • Cash the check at the bank from which the check is written, and then deposit the cash to your account.

If a hold is placed on your deposit, the money is not available for you to spend or withdraw.
It is always important to know your available balance2 before you spend your money. To stay on top of your account balances, use online banking or mobile banking3 to confirm that your deposit is available and included in your available balance.
Tip: Sign up for access to Wells Fargo Online Banking and provide us with your email address.  We will notify you via email if a hold is placed on your deposit.
 
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