Getting Started Guide:

Money management tips
Record your transactions
Keep accurate records of your deposits and withdrawals

Use your check register to record every deposit and withdrawal you make. Keeping track of all your transactions will help you manage your money.
Image example of a Transaction Record
1. Date: Write the date of the transaction.

2. Transaction description: Write the details of your transaction.

3. Withdrawals (subtractions): Write the amount of the withdrawal or payment.

4. Deposit (additions): Write the amount of the deposit.

5. Balance: Add or subtract each transaction to determine your account balance.
Tip: Don't forget to record any non-check transactions, including deposits, ATM withdrawals, debit card purchases and automatic transfers to and from your account.
Overdraft Services*
What is an overdraft?
An overdraft occurs when you spend more than you have in your checking account. The bank may authorize or pay your transaction (creating a negative balance or “overdraft”), decline your transaction, or return your transaction unpaid. If the bank pays the transaction on your behalf, you need to make a deposit or transfer to bring your account back to a positive balance.

Overdraft Protection (ODP)
This service can help you protect yourself from the cost of an overdraft, inconvenience of declined transactions, or returned (“bounced”) checks. Optional overdraft protection allows Wells Fargo to transfer funds from your linked account to prevent your checking account from being overdrawn if you don’t have enough money to cover a transaction. A single transfer fee will apply for each day an overdraft protection transfer is made.1 You should carefully consider which account to use for overdraft protection because the fee for overdraft protection transfers depends on the type of account used for the transfer (from a linked savings account: $12.50; from a linked Credit Card2** — $12.50 or $20, depending on amount of advance. Interest will accrue from the date each advance is made. See your Credit Card Agreement.)

**Subject to credit qualification. See credit card customer agreement and disclosure statement for applicable fees.
Debit Card Overdraft Service3

You can choose how Wells Fargo handles your ATM and everyday debit card transactions in the event of an overdraft.

Add optional Debit Card Overdraft Service, and the bank may approve (at our discretion) your ATM and everyday debit card transactions even if you don’t have enough money in your checking account or linked Overdraft Protection accounts.

  • If an ATM or everyday debit card transaction overdraws your account, our standard overdraft fee of up to $35* will apply.
  • There is no fee if your account is overdrawn during the day and you make a sufficient deposit or transfer before the posted cut off time on the same business day. Deposits are subject to our funds availability policy.

If you do not add this service, your ATM and everyday debit card transactions will be declined when you don’t have enough money in your account, or linked overdraft protection account, and you will not be charged overdraft fees on these declined transactions.
Tip Box: Two easy ways to help you avoid overdrafts
free tools to help you manage your account
Wells Fargo makes it easy for you to monitor your spending, to check account activity, and to make transfers to cover your account balance.

Mobile and online: You decide how to keep track of spending
Sign up for these convenient services and start managing your account via internet or mobile device.4
  • Text Banking4 — Check your available balance5 before you make a purchase. You can quickly request and receive information via text message.
  • Mobile Banking — Cover an unexpected expense by transferring funds between your Wells Fargo accounts using our mobile site -
  • Account Alerts4 — Stay informed. Set up a free email or text to alert you when your balance gets low.
  • My Money Map — Take control of your finances with an online tool that helps you view your spending, budgeting, and savings with one click.
how overdraft services work
Consider this situation:
What would happen if you had $100 in your checking account but you wanted to make a $125 purchase? The chart below shows the outcome of your transaction based upon the types of services you have added to your account.
 No overdraft serviceOverdraft ProtectionDebit Card Overdraft ServiceDebit Card Overdraft Service +Overdraft Protection
Overdraft services added to customer’s checking account NoneOverdraft protection linked to savings account Debit Card Overdraft ServiceHas Debit Card Overdraft Service but not enough money in linked Overdraft protection account
Checking available balance $100$100$100$100
Planned purchase$125-Declined$125 - Approved (as long as there is enough money in the linked account)$125 – Approved (at bank’s discretion) $125 – Approved (at bank’s discretion)
Made a sufficient deposit or transfer before the posted cut-off time on the same business day? Not applicable because the purchase has already been declined If yes, no fee. If no, overdraft fee of $12.50 from savings accountIf yes, no fee. If no, overdraft fee of up to $35*If yes, no fee. If no, overdraft fee of up to $35*
Important information about your available balance
When you look at your checking account information online, or at the ATM, you will see your account’s current available balance. The “available balance” is the most current record we have about the money that is available for you to withdraw from your account. It includes all deposits and withdrawals that have been posted (or recorded) to your account, as well as “pending” transactions that are known to the bank.

Your current available balance is the amount we will use to authorize your next debit card transaction or withdrawal at a store or ATM. During the day, these transactions will appear as “pending” when you look online.
Your available balance may not reflect all of your transactions
It is still possible for you to overdraw your account, even though the available balance appears to show enough funds in your account. For example, the available balance does not include:
  • Checks you have written or automatic payments that have not yet paid from your account
  • The final amount of a debit card transaction (for example, a tip you add to a restaurant purchase may not be included in the purchase amount you see online)
  • Certain debit card transactions that have been authorized (or approved) by the bank but not submitted for payment by the merchant within three days of authorization for most debit card transactions, or that were never sent to the bank for authorization

Only you know the transactions you have initiated or approved. Using a check register is the easiest way to keep track. Online banking is a great way to compare your records — with the information shown by the bank as either “still pending” or posted.
To avoid spending more money than is available in your account, consider
Text Banking
Check your account balance via your mobile phone

Text Wells Fargo at 93557 from your cell phone to get your available balance5 or review your recent transactions. To find out more about Wells Fargo Mobile® Text Banking4 service, go to To learn more about managing your account balance, check out the Overdraft Services section of this guide.

Staying alert to your account activity
To keep on top of your account, sign up to have Account Alerts sent to your mobile device4 or email. You can select alerts for when your available balance falls below a certain amount, a deposit or withdrawal clears, and more.
Review your monthly statement
It is very important that you review your statement each month:
  • Review all your transactions. Verify all transactions against your check transaction register.
  • Double-check your ending balance on your statement with the one in your register. If the balances do not match, identify all transactions not shown on your statement that may be on your register (such as checks you’ve written that, as of the end of the statement period, had not yet been processed by Wells Fargo or Debit Card purchases that had not yet been submitted for payment).
  • Identify any transactions on your statement that you may have forgotten to note on your register (such as a Debit Card purchase or any fees). Once you have made these adjustments, your statement balance and register balance should match. This is commonly referred to as reconciling your account.
Safeguard your account
You can also take steps to protect yourself:
  • Never give your account information unless YOU initiate the contact.
  • Protect your online passwords. Don’t write them down or share them with anyone.
  • Review your account statements as soon as you receive them.
  • Guard your ATM or Debit Card and PIN. Do not write your PIN on your card or keep the number in your wallet.
  • Store new and cancelled checks securely.
  • Do not leave your statements out in an open area where others may see them.
Most common fees and how to avoid them:
Service Fees What is this? How do I avoid them?
Monthly Service Fee The fee for not meeting your minimum account requirements.You may qualify to waive your monthly service fee if you sign up for direct deposit or maintain a certain balance.
Non-Wells Fargo ATM Fee When you use an ATM that is not a Wells Fargo ATM, a fee may apply.Find a Wells Fargo ATM ( or you can also get cash back with a purchase from many merchants without a fee.
Returned-Item Fee This is also known as “insufficient funds” or a “bounced check fee.” If you spend more money than you have in your checking account, the bank may return the transaction unpaid. There is a fee assessed for each item returned.
  • Keep track of your transactions and don't spend more money than you have
  • Set up overdraft protection (see above).
Overdraft Fee When you spend more money than you have in your account, the bank may authorize and/or pay the transaction on your behalf and create an overdraft (or negative balance) on your account. You must repay this amount back to the bank.

There is a fee assessed for each overdraft item paid on your behalf, but no more than four overdraft and returned item fees per day.
  • Keep track of your transactions and don’t spend more money than you have.
  • Set up overdraft protection. That way, if you don’t have enough money in your checking account to cover a transaction, the money is automatically transferred from an eligible linked Wells Fargo savings account, line of credit6 or credit card account7 (as long as you have available funds/available credit in those accounts).
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