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Making Sense of Ways To Avoid Having Your Debit Card Declined

Transcript: Making Sense: Tips for Avoiding Debit Card Declines

Making Sense: Tips for Avoiding Debit Card Declines

It's never fun to have your debit card transaction declined, especially when you're checking out at a store or paying for the meal you just finished.

Here are tips to help you avoid having your personal debit card declined.

First, it helps to understand what available balance means. This is the money you currently have available in your account to cover purchases or to withdraw. This balance changes throughout the day, as deposits, withdrawals, and pending transactions clear.

And your available balance is used to determine if you have enough to cover your next debit card purchase.

Note that your available balance only includes the transactions Wells Fargo knows about, so it's important to keep track of anything that's pending or hasn't posted to your account yet, such as checks that haven't been cashed yet or direct withdrawals.

Next, get into the habit of using your account's tools to stay on top of your available balance.

With Wells Fargo Online, our mobile app, and text banking, you can track when money comes in and out. And if you see where you might come up short, you can quickly transfer money between Wells Fargo accounts before you use your debit card.

Set up low balance alerts so you'll be notified by email, text message or push notification when your account balance reaches an amount you specify.

You can also consider enrolling in one of our optional overdraft services.

One of these options is Overdraft Protection.

This links your other Wells Fargo accounts—like your savings account or credit card—to your checking account to cover your transactions when you don't have enough money in your checking account.

If there are enough funds in the linked accounts, you can continue with your purchase—and save yourself the annoyance of a debit card decline.

If you then deposit or transfer enough money into your checking account that same business day before the posted cutoff time, we won't need to transfer or advance the funds, and you won't have to pay the applicable Overdraft Protection Transfer or Advance Fee.

Another option to consider is Debit Card Overdraft Service.

At our discretion, we may approve ATM and everyday debit card transactions even if you don't have enough money in your checking account or accounts linked for Overdraft Protection. You will be able to continue with your debit card purchase, but your account will have a negative balance, and you may be charged an overdraft fee of $35.

Again, you can avoid overdraft fees by making sufficient deposits or transfers into your account before the posted cutoff time on the same business day.

Some things to know about Debit Card Overdraft Service.

It’s optional. If you don't enroll, we'll never charge you an overdraft fee for everyday debit card or ATM transactions.

If you are not enrolled and do not have enough money in your account, these transactions will be declined.

Recurring, automatic debit card payments, such as your gym membership, are different from everyday debit card or ATM transactions. We may continue to authorize or pay these recurring transactions into overdraft, at our discretion, and overdraft fees may apply.

No one plans on having their debit card transaction declined, but these tips can help you avoid having that happen.

Copyright 2020 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

With text banking and low balance alerts, sign up may be required, and availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates apply.

Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means); our fee for returning items for non-sufficient funds is $35 per item. We charge no more than three overdraft and/or non-sufficient funds (NSF) fees per business day for Consumer accounts and eight per business day for Business accounts. Overdraft and/or non-sufficient funds (NSF) fees are not applicable to Clear Access BankingSM accounts. The overdraft and/or non-sufficient funds (NSF) fee for Wells Fargo Teen CheckingSM accounts is $15 per item and we will charge no more than two fees per business day.

The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

Debit Card Overdraft Service does not apply to checks and other transactions such as Bill Pay, ACH, or recurring debit card transactions (such as utilities or health club memberships). We may continue to authorize or pay these transactions into overdraft, at our discretion, and our standard overdraft fees and policies will apply.

Debit Card Overdraft Service is not available for certain accounts, such as Teen CheckingSM, Opportunity Checking®, Clear Access BankingSM accounts or savings accounts. Debit Card Overdraft Service is a discretionary service that may be removed by the bank for a variety of reasons, including excessive overdrafts or returned items.

Overdraft Protection is not available for Clear Access BankingSM accounts.

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Debit Card Overdraft Service Enroll Online