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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 Account 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:
    • Ask your banker to unenroll your account from the optional Debit Card Overdraft Service.
    • 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.

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 amount 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. Enter your Social Security number, ATM PIN, account number, and email address.

You can also order copies of checks by accessing Order Checks, Currency & Copies through the More menu.

More Information

Top Questions

How do I set up direct deposit?

Three easy steps for setting up direct deposit.

When will my deposit be credited to my account?

If you make your deposit before the displayed banking location, ATM, or Wells Fargo Mobile® cut-off time on a business day, we will generally credit the deposit to your account the same business day. If you make your deposit after the cut-off 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.
  • Cut-off times are displayed in all locations. The cut-off time for most Wells Fargo ATM locations is 9 pm local time. The cut-off time for deposits using the Wells Fargo Mobile app is 9 pm Pacific Time.
  • Use our locator to find the cut-off 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 $200 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 deposit directly into your eligible checking or savings account using the Wells Fargo Mobile App on supported Apple and Android devices. Mobile Deposit lets you submit photos of the front and back of your endorsed check. Your deposit is safe and 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 banking routing number, routing transit number, RTN, or ABA, routing numbers differ for Wells Fargo Checking and Savings accounts, Credit Cards, Lines of Credit, and wire transfers. Find your routing number.

What is a hold?

A 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 hold on funds deposited by our customers.

More Information

Top Questions

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

There is no monthly or per transaction fee for accessing your account information or initiating transfers on the internet during your secure Wells Fargo Online session. However, if you choose to bank online with Quicken®, there is a monthly fee of $3 for unlimited access and transfers. Read our Quicken frequently asked questions for more details.

What is the fee for using Overdraft Protection?

Overdraft Protection allows Wells Fargo to transfer money from a 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.

A single transfer/advance fee is assessed each day funds are transferred/advanced, regardless of the number of transactions covered. The transfer or advance fee depends on the type of account the funds are transferred from:

Savings Account

$12.50
Credit Card

$12.50 or $20.00, depending on amount of advance. Click here for credit card terms and conditions, or see more credit card options.

Linked Home Equity

Line of Credit (HELOC)

$12.50 (fee applied to checking account)

What is a fee period? How does the fee period relate to my monthly service fee summary?

Checking and savings account statements have an individualized monthly service fee summary that shows the fee period for the account. The fee period is the range of dates we use to calculate monthly fees.

The date range of your statement period is located at the top of your account statement. The statement provides you a record of all transactions posted during that period. Saturdays, Sundays, and federal holidays are non-business days. Transactions occurring on these days will be posted on the next business day.

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

If applicable, the check image option and document copy 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, document copy, transactions, deposited item, cash deposited, coin ordered, currency ordered and money services business fees. If applicable on your account, these monthly fees are in addition to your monthly service fee.

More Information

Top Questions

How do I report a lost or stolen card?

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

Sign on to Wells Fargo Online® or sign on to your Wells Fargo Mobile® app to request a replacement card. Or contact us by phone. Call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit or prepaid cards. For business debit cards call 1-800-CALL-WELLS (1-800-225-5935). Learn more about what to do if your card is lost or stolen (video).

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.
    1. You can request for your replacement card to 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 credit your account while we review your claim. After reporting this to us, you can track the status online by signing on and going to Dispute a Transaction.

If you receive a suspicious card activity alert from us, please review and respond promptly to verify the transactions.

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 daily purchase and ATM withdrawal 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. To see your daily purchase and ATM withdrawal limits, you can:

  • Sign on to Wells Fargo Online® to access View Account and Card Profile and select your card from the dropdown menu.
  • Call the number on the back of your card.
  • 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 it your card, 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 or prepaid 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.

More Information