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Checking and Savings Help

You have questions, we have answers

Top Questions

How do I find my routing or account numbers?

We can help you find both at Routing Numbers and Account Numbers.

How do I order checks?

You can order checks online or by phone.

To order checks online, sign on to Wells Fargo Online®. Don't have access to Wells Fargo Online? Enroll now.

To order checks by phone:

  • Personal accounts: Call Wells Fargo at 1-800-TO-WELLS (1-800-869-3557).
  • Business accounts: Call Harland Clarke Corp. at 1-800-237-8982.

How do I place a stop payment on a check or pre-authorized payment (ACH Automated Clearing House) item?

You can request a stop payment through Wells Fargo Online (check only), by phone (check and ACH items) or by visiting your local branch and speaking with a banker.

Simply sign on to Wells Fargo Online and access Manage Accounts through the Accounts tab.

  • To place stop payments for a check or ACH item via phone please call 1-800-TO-WELLS (1-800-869-3557). Please have the following information available when speaking to a banker:
    • Checks - Please provide the Name of Payee, Account Number, Paper item number or range of paper item numbers, Paper item date and Amount of item.
    • ACH items – Please provide the Company Name, Account Number, ACH Merchant ID and/or Company ID (can be found by reviewing a previous transaction) and Amount of item.
More information about stop payments
  • The stop payment will remain in effect for six months for checks and indefinitely for ACH items. To remove a stop payment, please call 1-800-TO-WELLS (1-800-869-3557) or visit a local branch.
  • There is a stop payment fee. For fee information for your account, please refer to your Consumer Account Fee and Information Schedule or call us at 1-800-TO-WELLS (1-800-869-3557).
  • There is no fee for placing stop payments on lost or stolen blank checks.
  • Placing a stop payment order does not release you from any contractual agreements. You may still be held to the terms of the agreement.

How do I close a deposit account?

We appreciate your business, but if you need or want to close your account, the information provided will assist you in completing your request.

Step 1: Prepare your account for closure:

  • Your account must have a positive or zero balance.
  • All deposits, outstanding and pending items must be posted.

Step 2: Contact us to close your account:

Important Reminders:

  • Accounts with a zero balance will continue to be charged applicable fees (like the monthly service fee) until you request to close your account.
  • Any recurring payments or withdrawals from your account need to be cancelled before your request to close (examples include bill payments and debit card payments) otherwise, they may be returned unpaid.
  • Certain conditions on your account may prevent closure:
    • Inactive accounts need to be reactivated before they can be closed. Ask your banker to reactivate your account. Or you can sign on to Online Banking to see if you have the option to reactivate your account online.
    • Portfolio by Wells Fargo® Checking accounts need to process a statement at month end, the statement will be finalized no later than the third business day of the month.
    • Claims, disputes, legal or bank restrictions need to be resolved.
    • Funds pledged for collateral or other purposes need to be released.
  • Overdrawn accounts need to be brought back to zero or a positive balance. This information may help you avoid additional transactions and fees:
    • If your account is enrolled in the optional Debit Card Overdraft Service you can speak to a banker to unenroll.
    • Review your statements for automatic transactions and cancel them by contacting the merchant(s).
    • When you have a previously authorized transaction, such as ATM and debit card transactions, transfers, and Wells Fargo Online Bill Pay transactions, presented for payment and your account doesn’t have enough money, we will pay the item(s) into overdraft and an overdraft fee may be assessed.
    • When checks and checking account automatic payments (ACH) are presented for payment and your account doesn’t have enough money, we may pay the item(s) into overdraft or return the item(s) unpaid and overdraft or return item (Non-Sufficient Funds/NSF) fees may be assessed, which may prevent your account from closing as requested.

How do I close a CD (Time account)?

Please note: Early withdrawal penalties may apply if you make withdrawals or close a CD before the maturity date. In addition, the Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period. If you make a final transfer or withdrawal, you will have to wait until that item posts.

If you would like to close your Loan, Line of Credit, or other type of account, please call the appropriate customer service department listed on your statement or in this phone directory.

How do I search for a check?

If you already have Wells Fargo Online access, sign on. Click Checks from the Account Activity page. Then:

  • Use Search to view more transactions
  • You must enter either a check number (or range of check numbers) or the dollar amount of the check (or range of dollar amounts) to complete the search for your check.
  • View a check by selecting the check icon.

If you're not enrolled for Wells Fargo Online access, enroll now.

More Information

Top Questions

How do I set up Direct Deposit?

Follow these steps for setting up Direct Deposit.

When will my deposit be credited to my account?

If you make your deposit on a business day before the cutoff time displayed at the banking location, ATM, or Wells Fargo Mobile, we will generally credit the deposit to your account the same business day. If you make your deposit after the cutoff time or on a non-business day, we will credit it to your account on the next business day.

  • Business days are Monday through Friday, except for federal holidays.
  • Cutoff times are displayed in all locations. The cutoff time for most Wells Fargo ATM locations is 9 p.m. local time. The cutoff time for deposits using the Wells Fargo Mobile app is 9 p.m. Pacific Time.
  • Use our locator to find the cutoff times for a banking location or ATM nearest you.

Note: In some cases it may be necessary to place a hold on your deposit. The first $225 is usually available the next business day, but the rest may not be available for several days. If you have questions about a hold that we placed on your deposit, please call 1-800-TO-WELLS (1-800-869-3557).

Can I use my mobile device to make a deposit?

Yes. With Wells Fargo mobile deposit (“Mobile Deposit”) you can make a check deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app on supported Apple® and AndroidTM devices. Mobile deposit lets you submit photos of the front and back of your endorsed check. You can save time with fewer trips to a Wells Fargo ATM or branch.

Learn more.

What is my routing number?

Also known as a routing transit number, RTN, or ABA number. A routing number facilitates transactions such as inter-bank transfers and direct deposits. Routing numbers differ for Wells Fargo Checking and Savings accounts, Lines of Credit, and wire transfers. Find your routing number.

What is a deposit hold and why was a hold placed on my deposit?

A deposit hold means that although a check amount was credited to your account, it's not available for your use. Wells Fargo Bank's general policy is to make deposited funds available on the first business day after the Bank receives a deposit. In some cases, however, we may place a deposit hold on these funds and delay availability for up to 7 business days. Common reasons for placing a hold on a check or deposit include but are not limited to:

  • Accounts with frequent overdrafts
  • New customer
  • High-dollar deposits that exceed the total available balance in the account
  • Deposits of checks that have already been returned unpaid
  • Notification to Wells Fargo by the check maker’s financial institution that the check will be returned

More Information

Top Questions

Is there a charge to access my accounts through Wells Fargo Online®?

No. There's no monthly fee for accessing your accounts online.

What is the fee for using Overdraft Protection?

Overdraft Protection allows Wells Fargo to transfer money from an eligible linked savings account or advance money from an eligible linked credit account if there is not enough money in the checking account to cover transactions.

We will not charge a fee unless the transfer/advance covered at least one pending item, or helped you avoid at least one overdraft or returned item. The transfer/advance fee depends on the account type you have linked to your checking account for Overdraft Protection. We will charge the transfer/advance fee to your checking account when we transfer/advance funds from your savings or home equity line of credit account. If we advance funds from your credit card, we will charge the fee to your credit card.

Savings Account

Credit Card

See your Credit Card Agreement. Click here for credit card terms and conditions, or see more credit card options.

Line of Credit Account  
$12.50 per advance

Home equity line of credit
account linked to Wells Fargo
Portfolio Checking

 No Charge

What is a fee period?

The fee period is used to calculate the monthly service fee and other monthly fees.

The dates of previous periods and activities that counted towards the monthly service fee waiver can be viewed in the Monthly Service Fee Summary. Monthly fees are calculated and posted on the last business day of the fee period.

The summary for each fee period includes:

  • Minimum requirements for each option to avoid the monthly service fee
  • Your activity towards those requirements within the dates of the fee period

Sign on to Wells Fargo Online® and within your specific checking account Activity Summary, open Show more detail (for mobile) and access the Monthly Service Fee Summary link, which will show your fee period.

This information is also located on your checking account statement in the section called Monthly Service Fee Summary.

For all Portfolio by Wells Fargo programs, the fee period begins on the first business day of the calendar month. On the last business day of the calendar month the fee period ends and the monthly fees are calculated.

What fees other than monthly service fees are calculated monthly for my consumer account?

If applicable, the check image option fee is calculated and posted to your account on the last business day of the monthly fee period.

What fees other than monthly service fees are calculated monthly for my business account?

Other fees that are calculated and posted to your business account on the last business day of the fee period include check image option, transactions, deposited items, cash deposit processing, coin order, currency order and money services business fees. If applicable on your account, these monthly fees are in addition to your monthly service fee.

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Top Questions

How do I report a lost or stolen debit or ATM card?

Contact us right away when your card is lost or stolen.

Sign on to Wells Fargo Online® to request a replacement card. Explore our tour to see how.

Or call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit or ATM cards.

For business debit or ATM cards call 1-800-CALL-WELLS (1-800-225-5935).

Note: If you lose your card while traveling outside the United States, you have two options:

  1. Call us collect, then follow the voice instructions:
    1. If you lose your personal card: 1-925-825-7600
    2. If you lose your business card: 1-916-480-3190
    3. Find international access codes to use to contact our toll-free customer service numbers
  2. Sign on to your Wells Fargo Mobile® app to request a replacement card.

You can request that your replacement card be mailed to your travel destination.

Remember, your card comes with Zero Liability protection at no extra cost, which means you will be reimbursed for unauthorized transactions that you report promptly.

What do I do if I find a suspicious transaction on my account?

If you find a suspicious card transaction, call the number on the back of your card immediately. Your card comes with Zero Liability protection which means you will be reimbursed for promptly reported unauthorized card transactions. We will investigate your claim. Please refer to the appropriate card terms and conditions for details regarding your responsibility to notify us of disputes within specific time frames. After reporting the suspicious transaction to us, you can track the status online by signing on and going to Dispute a Transaction under the Accounts tab.

How do I see what alerts are available and sign up for alerts for my card?

Sign on to set up alerts.

Have more questions about alerts? View debit card alerts.

What are the purchase and ATM cash withdrawal daily dollar limits for my card?

There is a daily maximum limit on the dollar amount of the purchases you can make with your debit or ATM card. Your card also has a maximum limit on the dollar amount of cash withdrawals you can make each day at an ATM. Your purchases and ATM withdrawals also are subject to the available balance in your account. To see your card's purchase and ATM withdrawal daily dollar limits, you can:

  • View online:
    1. Sign on to Wells Fargo Online.
    2. Select Open Card Details for your card.
    3. Find your daily limits under Limits for This Card.
  • Call the number on the back of your card (or your account statement).
  • Visit your local Wells Fargo branch.
  • View the printed materials that came with your card.

How do I turn my card on or off?

If you have misplaced your card and need time to find it, you can temporarily turn your card off to help prevent unauthorized card transactions. Please note that previously authorized recurring payments, credits, refunds, and reversals may be approved while your card is turned off.

When you find your card, you can easily turn it back on. Sign on to Wells Fargo Online or your Wells Fargo Mobile app to access Turn Card On or Off.

You can also call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit cards. For business debit cards call 1-800-CALL-WELLS (1-800-225-5935).

If you think your card has been lost or stolen, report it to us immediately. You can order a replacement card online, from your Wells Fargo Mobile app or by calling us. For personal cards call 1-800-869-3557. For business cards call 1-800-225-5935.

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