Getting Started Guide:

Money out - how to make withdrawals
Accessing Your Money
There are many ways to access money in your checking account:
  • Use your debit card for purchases
  • Getting cash at ATMs1
  • Writing a check
  • Using Online Bill Pay

You can make signature-based purchases and payments at participating retailers and service providers - including online or by phone or use a Personal Identification Number (PIN) to make debit card purchases from participating merchants and get free access to cash at over 12,000 Wells Fargo ATMs nationwide. Although your debit card has a Visa® symbol on it, it is not a credit card. When you use your debit card, the money is deducted from your primary linked checking account. Please note that some debit card transactions may take several days to post to your account or could post the same day.
Your Personal Identification Number (PIN)
You must set up a PIN in order to use your debit card at the ATM and to make Point-of-Sale (POS) purchases. For your safety and the security of your account, keep your PIN a secret. Do not carry this number with you or share it with anyone. You may want to change it every so often.

When you use your debit card at a store, you may be given the option of selecting “debit” or “credit.” Either way, the money will be deducted from your primary linked checking account. The only difference at checkout between these options is:

  • If you select "debit" — you will be asked to input your PIN
  • If you select "credit" — you may be asked to sign a receipt if prompted or simply swipe the card and go
Image of man and woman at an ATM machine
Wells Fargo ATMs
Wells Fargo has more than 12,000 ATMs coast to coast — most available 24 hours a day, 7 days a week — offering quick, convenient access to cash, deposits, and more. Our ATMs remember your favorite transactions, such as the amount of cash you typically withdraw, to make your ATM experience even faster and easier.
Image example of an ATM screen, “Main Menu”
1. Favorites — The ATM remembers and displays your two most frequent transactions so getting your cash can be as simple as hitting one button.

2. Show Balances — Provides the option to show or hide a snapshot of your account balances.

3. Balances & Statements — Stay up-to-date on your account. Print the last 10 transactions or balances of your linked accounts.2

4. Buy stamps — Avoid a trip to the post offi ce and buy stamps directly from one of our ATMs.2

5. Transfer — Transfer money between your linked accounts.

6. ATM Cash Tracker — Track your monthly ATM withdrawals and set a target withdrawal amount.

7. Customized Menu — Each ATM screen is customized just for you, based on your personal transaction history.

8. More choices — Access additional Wells Fargo products and services.
Tip: Be sure to keep track of all your deposits and withdrawals to avoid spending more money than you have in your account and incurring unnecessary fees.
Your Wells Fargo Debit Card
1. Debit card number: This 16-digit number is unique to your card. It is not your checking account number.

2. Expiration date: Your card can only be used until this date. A new card will be automatically sent to your address prior to the expiration date.
Image of Wells Fargo Debit card, front and back.
3. Customer service number: Call this toll-free number when you have questions about your card or account.

4. Signature bar: For your protection against fraud, be sure to sign here as soon as you receive your card.

5. CVV (Card Verification Value): When you use your debit card to make purchases over the phone or on the internet, some merchants may require you to supply this number to confirm that you have the card with you.
Writing checks
There is a proper way to fill out a check to protect your money

1. Name and address: This information is preprinted on the check.

2. Pay to the order of: Write the name of the person or company who will be receiving the money.

3. Amount line: Write the amount in words instead of numbers. If the amount does not fill the space, draw a line to the end.

4. Check number: This reference number will help you keep track of your payments by check. Each time you write a check, record the check number, date, payee and amount in your check register and calculate your new balance.
Image example of filled out check
5. Dollar amount: Write the check amount in numbers.

6. Memo: You can write the reason for the check here as a reminder. This is optional.

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

8. Account Number: This preprinted ten-digit number is unique to your account. This is also needed to set up Direct Deposit.

9. Signature: this should be the last thing you complete. Your signature on the check means that you approve the payment.
Tip: Write your checks clearly, using ink and be sure to record your check in your check transaction register.
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