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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 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 transfer a minimum of $25 to cover your negative balance. If your available credit is less than $25, we'll transfer the available credit.

Overdraft Protection fee

If the Bank transfers money, you’ll be charged a single Overdraft Protection advance fee regardless of the number of transactions presented for payment that day. This fee will vary depending on the amount of money transferred, and the advance is treated as a cash advance.  See full terms and conditions.

Setting up Overdraft Protection

When you apply for your Wells Fargo Credit Card, check the Overdraft Protection box or sign into Online Banking, go to Account Services, and select Add/Change Overdraft Services.

Your credit card must be activated; if not activated, no money will transfer to cover the overdraft.  Once your credit card has been activated, please allow up to 3 business days for your Overdraft Protection service to be fully enabled.

All Wells Fargo Credit Cards are subject to credit qualification. Wells Fargo reserves the right to change terms, rates, and fees at its discretion in accordance with the card agreement and applicable law. Generally, we will apply your minimum payment first to lower APR balances (such as purchases) before balances with higher APRs (such as cash advances). Payments made in excess of the minimum monthly payment will generally be applied to balances with higher APRs first before balances with lower ones.

Add Overdraft Protection Enroll Online
Or, call us to enroll 1-800-869-3557