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Overdraft Protection

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.

Available Credit

The amount of unused credit available. Available credit is computed by subtracting the outstanding balance from your total credit line.

Cardholder agreement

The Cardholder Agreement details the terms and conditions of your credit card account and includes information such as the rate, fees, and other cost information associated with the account.

Annual Percentage Rate (APR)

The periodic rate, expressed as an annual amount, used to compute the interest charge on an outstanding balance.


Credit card charges you make at merchants. Purchases usually have a lower APR than cash advances.


An outstanding amount of money. A checking or savings account balance refers to the amount of money in a particular account. A credit card balance refers to the amount owed. See also Outstanding Balance.

Cash Advance

You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.

Minimum Monthly Payment

The minimum dollar amount that must be paid each month before the payment due date. The minimum payment amount may vary monthly depending on account activity; you may find your current minimum payment on your current monthly billing statement.