Protect yourself against unexpected overdrafts and bounced checks when you sign up for this optional service that links your Wells Fargo Credit Card to your Wells Fargo checking account. If you write a check but don’t have sufficient funds available, we’ll automatically make up the difference with an advance from the available credit on your credit card account.
We'll transfer the exact dollar amount to cover the overdraft, subject to a minimum Overdraft Protection fee amount of $25. If the amount of available credit on your card is less than $25, we'll transfer the amount of the available credit.
To sign up, check the Overdraft Protection box when you apply for your Wells Fargo Credit Card. There’s no fee to enroll, and you're only charged for Overdraft Protection when you use it. See full terms and conditions.
To sign up for Overdraft Protection, you’ll need a Wells Fargo Credit Card and a Wells Fargo Checking Account. Already have both? Sign on to the Wells Fargo Credit Card Service Center and look for the Overdraft Protection link to enroll.
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.