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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 consumer deposit account?

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

Contact us to close your account:

You may request to close your account anytime. We can close most accounts immediately when:

  • The account has a positive or zero balance.
  • All deposits, outstanding and pending items are posted.

Are there conditions that may prevent closure?
Yes. When you request closure by phone or in person, we'll inform you if your account has a condition that prevents closure. These may include:

  • Transactions in process, including Overdraft Protection transfers, that need to post.
  • Inactive accounts that need to be reactivated. Ask a Wells Fargo banker to reactivate your account. Or, you can sign on to Wells Fargo Online® to see if you have the option to reactivate your account online.
  • Prime Checking and Premier Checking accounts that need to process a statement; the statement will be finalized no later than the third business day of the month.
  • Legal or bank restrictions that need to be resolved.
  • Funds pledged for collateral or other purposes that need to be released.
  • Balance sweep feature needs to be removed.
  • Overdrawn accounts that need to be brought back to a zero or positive balance. This information may help you avoid additional transactions and fees:
    • If your account is enrolled in the optional Debit Card Overdraft Service, any account holder with transaction authority on the eligible checking account can remove the service by visiting a Wells Fargo ATM (select More Choices, Wells Fargo Services), through Online Banking, talking with a branch banker, or calling a phone banker at 1-800-TO-WELLS (1-800-869-3557). Business customers call 1-800-CALL-WELLS (1-800-225-5935).
    • 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, account 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. Please refer to the Deposit Account Agreement and Consumer Fee and Information Schedule for more information.
    • When checks and preauthorized 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. Overdraft fees may be assessed for items paid into overdraft. Please refer to the Deposit Account Agreement and Consumer Fee and Information Schedule for more information.

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 (such as bill payments and debit card payments) from your account need to be cancelled before your request to close; otherwise, they may be returned unpaid. The payee or merchant may charge fees for returned items.

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 on the Wells Fargo Mobile® app, 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 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.

There is no fee for Overdraft Protection transfers or advances from accounts linked for Overdraft Protection on Consumer accounts. For advances from a linked credit account, interest will accrue from the date of each advance. See your credit account agreement for details. If you are a business customer, please refer to your Business Account Fee and Information Schedule for details on applicable Overdraft Protection transfer/advance fees.

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 Prime Checking and Premier Checking accounts, 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.

More Information

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. Take the 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 Card details for your card.
    3. Find your daily limits.
  • 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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