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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 Wells Fargo 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 Wells Fargo transfers money to cover your negative balance, 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.  Review Important Credit Terms.

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.

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.

Add Overdraft Protection

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