Overdraft Protection

Protecting your checking account

With Overdraft Protection, you can protect yourself from the inconvenience of declined transactions or returned (bounced) checks. Sign up for Overdraft Protection and link your Wells Fargo credit card to your Wells Fargo personal checking account. Then, if you happen to spend more than you have in your checking account, your available credit will be used to authorize the transaction.

We’ll advance a minimum of $25 to cover your negative balance. If your available cash advance credit limit is less than $25, we'll advance the available credit. Overdraft Protection advances accrue interest from the date of each advance at the Cash Advance APR.

Setting up Overdraft Protection

Set up Overdraft Protection by signing on to the Wells Fargo Credit Card Service Center and selecting Overdraft Protection, calling a Phone Banker at 1-800-869-3557, or talking to a Banker at any Wells Fargo banking location.

If you link a credit card, you may need to confirm it first. If it isn’t confirmed, you might not be able to use it for Overdraft Protection. It can take up to 3 business days for Overdraft Protection to start working once your credit card is confirmed. Take a moment to check your Overdraft Protection settings to make sure everything looks right.