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Debit Card Questions

Resolving issues with your card

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.

How do I replace a damaged debit card?

If your card is not functioning properly or is damaged, you may order a replacement card by signing on using your Wells Fargo Mobile app, or calling the number on the back of your card or visiting any Wells Fargo branch.

You will receive a new card with a new expiration date and security code (on back of card) within 5-12 calendar days. Your card number will not change, and your current Personal Identification Number (PIN) will continue to work with your new card.

If you need access to your account while you are waiting for your permanent debit card to arrive by mail, you may request a temporary instant issue debit card or business instant issue debit card at a Wells Fargo branch. The instant issue debit card is active for up to 30 days or until you activate your replacement card received by mail, whichever occurs first.

What if I never received my card?

It usually takes 5-12 calendar days. If you think that your card should have arrived by now, call us:

Personal cards

1-800-TO-WELLS (1-800-869-3557)

Business cards

1-800-CALL-WELLS (1-800-225-5935)

If you'd like to request a temporary instant issue debit card to access your account until you receive your permanent card in the mail, please visit your local Wells Fargo branch.

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.

Getting started with your card

How do I activate my debit card?

When you receive your debit card by mail, you should activate it right away. There are 3 ways to activate your debit card:

  1. You can activate it online or from your Wells Fargo Mobile app.
  2. Call the toll-free phone number on the sticker attached to the front of your card.
  3. Use your card at any Wells Fargo ATM.

Once you have activated the card, peel off the sticker and sign the signature panel on the back immediately. Destroy your old card and begin using your new card.

Can I get a temporary debit card that I can use while my debit card is being sent to me?

You can request an instant issue debit card at any Wells Fargo branch for access to your consumer or business accounts. This temporary debit card is in effect for 30 days from the time it is issued, or, if you are being sent a new permanent debit card, until you activate the permanent card, whichever occurs first. With an instant issue debit card, you can make purchases and payments, and use the ATM. Note: The instant issue debit card does not have a chip, so you may not be able to use it while traveling. Some international merchant locations that do not support magnetic strips. Learn more about the instant issue debit card.

How long will it take to receive my card and my PIN?

You will receive a new or replacement card within 5-12 calendar days.

For new cards, if you didn’t select a PIN when you requested your new card, you can expect to receive a system generated PIN in the mail a couple of days after you receive your card.

You can use your current PIN with your replacement card.

If you need immediate access to your account while you are waiting for your permanent debit card to arrive, you may request a temporary instant issue debit card or business instant issue debit card at a Wells Fargo branch. The instant issue debit card is active for up to 30 days or, if you are being sent a new permanent Debit card, until you activate your permanent card, whichever occurs first.

Getting help when my card or identity is compromised

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.

You sent me a replacement card due to compromise. What should I do?

If you receive a replacement card:
  • Activate the replacement card right away. You can activate your card 3 ways: 
    • Sign on to Wells Fargo Online or from your Wells Fargo Mobile app.
    • Call the toll-free phone number on the sticker attached to the front of your card.
    • Use your card at any Wells Fargo ATM.
  • Remove the sticker and sign the signature panel on the back immediately.
  • Destroy your old card and begin using your new card.
  • Notify merchants that directly bill your card about your new card number, new expiration date, and security code — to ensure your payments continue as expected.
  • Monitor your account for any transactions you did not authorize and report them promptly to Wells Fargo to help protect your account.

Tracking my card activity

How can I keep track of my card purchases?

  • Online and mobile banking provide you with access to your card activity and account information anytime, almost anywhere. You can view your card purchases, payments, ATM usage, and deposits.
  • Debit card alerts are available so you can get notified of your choice of transactions as they occur using email or text - including purchases and withdrawals set to a specific limit, foreign transactions and more.
  • My Spending Report provides you your own automated report online so you can view your card and other account activity by spending category.

Why hasn’t a debit card purchase posted to my account?

Wells Fargo cannot post your debit card transaction until the merchant submits the transaction to us for payment. A few things to keep in mind:

  • Generally debit card transactions post within 1-3 days of when you make the purchase. However, the timing of when a debit card transaction will post can vary from the very same day to several weeks later.
  • In rare circumstances such as using your debit card online to buy an item that is back-ordered, the merchant can submit the transaction up to several weeks later.
  • Because of this, it’s important you keep track of your account balance and pending card transactions, scheduled bill payments, checks written, and more, to ensure that you have adequate funds in your account to cover pending items.

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.

Personalizing my card

Can I customize the design of my debit card?

Yes, now you have two easy ways to customize the look of your debit card.

  1. At a Wells Fargo branch: You can select from a catalog of images to place on your new or replacement card. You should receive your card within 5-12 calendar days of selecting an image.
  2. Use the Card Design Studio® service to customize your debit card using your own image or select an image from our online library.
    1. Business debit card holders also can add their business logo and taglines.

For more information on personalizing your card, visit the Card Design Studio service.

Which cards can I customize?

If your card is available for customization, you will find it listed as Eligible on the Card Design Studio service page. If you are a Wells Fargo customer, you can use the Card Design Studio service as long as:

  • You have an eligible and activated personal debit card or business debit card. Cards not eligible for customization include Wells Fargo Private Bank Debit Cards, business deposit cards, Campus Cards, ATM cards, and instant issue debit cards.
  • Your accounts are in good standing.
  • You have access to your cards via Online Banking.

Protecting my card

How does Wells Fargo help protect my card and account?

Wells Fargo helps to protect your cards and accounts with:

Zero Liability protection: Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost. You will be reimbursed for promptly reported unauthorized card transactions.

Other ways that Wells Fargo helps protect your card:

  • Chip technology: You card has chip technology which provides added security because it is extremely difficult to counterfeit or copy when used at a chip-enabled merchant terminal or ATM. In addition, the chip card does not store any of your personal information.
  • 24 /7 fraud monitoring: We regularly monitor for unauthorized transactions and may alert you if we detect suspicious card activity. We may reach out to you directly by phone or text to ask you to verify transactions. You do not need to enroll to receive this alert. 
  • Alerts: You can sign up for optional card alerts to receive notifications to help you stay informed on your card activity, including purchases and ATM transactions. Plus, you can customize some alerts with limits that you set.

Learn more about debit card alerts.

What can I do to help protect my card?

Your card comes with Zero Liability protection at no extra cost, which means you will be reimbursed for unauthorized card transactions as long as you report them promptly. You can also visit the Fraud Information Center for resources that may help reduce your risk of fraud and identity theft.

What is a chip card?

A chip card is a card with chip on the front of the card, as well as the traditional magnetic stripe on the back. The chip provides added security when used at a chip-enabled merchant terminal or ATM and greater global acceptance. When you insert your chip card into a chip-enabled terminal, a unique security code is generated. This makes it extremely difficult for anyone to reuse your information and better protects you against counterfeit card fraud.

Many countries worldwide have adopted chip technology and it is becoming the standard for card payments in the U.S. If a merchant or ATM has not yet adopted chip technology, your transaction will be processed using the magnetic stripe as it is today. Learn more about chip cards.

If I choose to subscribe to debit card activity alerts, could I receive other types of card alerts from Wells Fargo?

We regularly review accounts for unusual activity and may send you a suspicious card activity alert asking you to confirm whether you recognize a particular transaction. You do not need to enroll to receive this alert.

Traveling and my card

Can I use my debit card overseas?

Yes, you can use your debit card while traveling outside the U.S. Please note, it is highly recommended that:

  • Your card has a chip on the front.
    • Chip cards have become the standard type of card used internationally, and there are some purchases that cannot be made with the swipe feature on your card.
    • If your card does not yet have a chip on the front, visit a Wells Fargo branch, or contact us at the number on the back of your card at least two weeks before traveling abroad.
  • You have a four-digit Personal Identification Number (PIN).
    • Most foreign ATMs require a four-digit numeric PIN.
    • If you have an alphabetic PIN, translate the letters into numbers by using the keypad at a Wells Fargo ATM before you travel. You can also do this by visiting a Wells Fargo branch or calling the number on the back of your card.

How can I help avoid any unnecessary interruptions when using my card when I travel?

Here are some tips to help you make sure your card is ready to travel:

  • Let us know before you go.
    • Notify us in advance of your travel plans by signing on or your Wells Fargo Mobile app to set up a travel plan. You can also call the number on the back of your card. Because we monitor your cards for suspicious activity, by setting a travel plan we can better evaluate card activity to help avoid disruption while you are traveling.
  • Know your daily purchase and ATM cash withdrawal limits.
    • If you need a limit increased, call the number on the back of your card and we’ll let you know if it can be increased.
  • Have a chip card and four numeric digit Personal Identification Number (PIN)
    • It is highly recommended to have a chip card if you are traveling overseas. Chip cards have become the standard type of card used internationally, and there are some purchases that cannot be made with the swipe feature on your card.
    • Your PIN should be four numeric digits to ensure you can access foreign ATMs.
    • If you have an alphabetic PIN, translate the letters into numbers by using the keypad at a Wells Fargo ATM before you travel. You can also do this by visiting a Wells Fargo branch or calling the number on the back of your card.

See more travel tips.

What do I do if I lost my card while traveling?

If your card is lost or stolen, you can report it online or sign on to your Wells Fargo Mobile app to request a replacement card. You can also call us toll-free at 1-800-TO-WELLS (1-800-869-3557) for personal customers and 1-800-CALL-WELLS (1-800-225-5935) for small business customers. You may also visit a local Wells Fargo branch to speak with a banker. If you lose your card while traveling outside of the U.S., you can report it online or call us collect at 1-925-825-7600 for personal customers or 1-916-480-3190 for business customers and then follow the voice instructions.

Your replacement card will have a new card number and expiration date. Your PIN will remain the same as well as your daily ATM and purchase dollar limits.

If you report your lost card online, you can choose to send your replacement card to a temporary address which could be helpful while you are traveling.

If you are traveling domestically, you can visit a Wells Fargo branch to request a temporary instant issue debit card to access your account until you receive your permanent card in the mail.

See more travel tips.

What do I do if I have difficulty using an ATM in a foreign country?

If you have trouble using an ATM in a foreign country, it might be because you do not have a four-digit numeric PIN, or because you are using an ATM that is not in a network in which we participate.

See more travel tips.

Are there fees associated with using my card overseas?

Please view your card terms and conditions to see the fees associated to using your card overseas.

See more travel tips.

Getting help with my PIN

I forgot my PIN. What do I do?

You can bring your card to your local Wells Fargo branch to reset your PIN on the spot. Or, you can call the number on the back of your card to speak with a Phone Banker and a new system-generated PIN will be mailed to you. Learn more about what to do if you forget your PIN (video).

How can I change my existing PIN?

If you know your current card PIN, you can quickly change it at any Wells Fargo ATM or by bringing your card to your local Wells Fargo branch. You can also change it by using the automated customer service option when calling the phone number on the back of your card. 

If you can’t remember your PIN and need a new one, bring your card and identification to a Wells Fargo branch, or request a system-generated PIN by talking with a Phone Banker when calling the number on the back of your card.

Understanding daily card purchase and withdrawal limits

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 increase or decrease the daily dollar ATM cash withdrawal and purchase limits on my card?

To request to increase or decrease your card’s daily dollar limits, contact us and we’ll check if they are eligible to be changed. You can either call the number on the back of your card, or talk to a banker at a Wells Fargo branch.

Paying bills and making purchases with my card

How can I pay bills using my debit card?

You can make one-time and recurring payments using your debit card. When you pay with your card, you can schedule a payment even up to the last minute on the payment due date. Contact your service providers to set up recurring payments using your debit card.

How can I set up or cancel a scheduled payment or make a recurring payment using my debit card?

You can contact your service provider directly to schedule, cancel, or change a one-time or recurring payment. You will need your billing account information and your debit card.

What if I have a dispute with a merchant?

The first step is to try and resolve the dispute directly with the merchant. If those efforts fail, call the number on the back of your card and we will investigate it. Please refer to the appropriate card terms and conditions for details regarding your responsibility to notify us of disputes within specific time frames.

For my business debit card, how do I take advantage of the Visa Purchase Security and Extended Warranty Protection?

Your Wells Fargo Business Debit Card comes with two Visa services to help protect your purchases.

  • Visa® Purchase Security: If eligible items you buy with your business debit card are lost, stolen, or accidentally damaged, they’ll be replaced or repaired at no charge to you.
  • Visa Extended Warranty Protection: You can extend manufacturer’s warranties, up to one additional year, on items you purchase with your card.

For more information, see the Benefits Guide to Visa Services

Using my mobile wallet

What do I need to have to use a mobile wallet?

You can pay with your smartphone, tablet or smartwatch at participating retailers and service providers once you add your debit card to your mobile wallet. To see what is required to use a mobile wallet, explore mobile wallet basics.

How can I use a mobile wallet to access a Wells Fargo ATM?

  • You can use a mobile wallet instead of your physical Wells Fargo Debit Card or Wells Fargo EasyPay® Card to access a Wells Fargo ATM that displays the contactless symbol.
  • First, you need to add your Wells Fargo Debit or Wells Fargo EasyPay Card to a mobile wallet supported by Wells Fargo. (See Mobile Wallet Basics page for instructions on how to add your card to your mobile wallet.) 

To use your mobile device at a Wells Fargo ATM that displays the contactless symbol: 

  • Access your phone’s mobile wallet (using your thumbprint or passcode).
  • Hold your phone near the contactless symbol on the ATM.
  • Enter your card’s PIN into the ATM when prompted, and then select and complete an ATM transaction.

How do I know if a Wells Fargo ATM supports mobile wallet access?

Wells Fargo ATMs enabled for mobile wallet access display the contactless symbol near the ATM’s contactless reader.

What kind of mobile phone and wallet do I need?

You need a smartphone with NFC capability to be enrolled on one of the mobile wallets that Wells Fargo supports. Currently, Wells Fargo supports Apple Pay®, Fitbit PayTM, Garmin PayTM, Google PayTM, Samsung Pay, and Wells Fargo Wallet® for AndroidTM. For more information, visit mobile wallet basics.

Which cards can be used for mobile wallet access at the ATM?

You can use your Wells Fargo Debit Card or Wells Fargo EasyPay Card in a mobile wallet supported by Wells Fargo.

Using an ATM with my card

What types of transactions can I make at a Wells Fargo ATM?

You can get cash, transfer funds, check your balance, make deposits and more at more than 13,000 Wells Fargo ATMs.

What types of transactions can I make at a non-Wells Fargo ATM?

At non-Wells Fargo ATMs, you can withdraw cash, check balances, and transfer funds between your primary linked checking and savings accounts (depending on what the ATM operator supports).  You can get cash in local currency at non-Wells Fargo ATMs overseas.

Accessing a Wells Fargo ATM without my card

Can I use the ATM if I forgot my debit card or don't have it handy?

If you don't have your debit card with you, you can use your mobile phone to request an ATM Access Code using the Wells Fargo Mobile app.

To request an ATM Access Code:

  • Sign on to your Wells Fargo Mobile app,
  • Select the Card-Free ATM option at the bottom of the Account Summary page and select Get Code. The 8-digit code will appear on your mobile device, or you can have it sent to you as a text that you can use at any Wells Fargo ATM.
  • Within 30 minutes of receiving the code, select Use an Access Code on the lower right-hand side of the welcome screen at any Wells Fargo ATM. Enter the 8-digit code and your card's Personal Identification Number (PIN).
Please note: Some ATMs within secure locations require a card for entry.

When does my code expire?

Your code expires after 30 minutes.

Can I use my code at any ATM?

You can use your code at any Wells Fargo ATM. Some ATMs are located within secure locations that may require customers to swipe their cards for entry.

What types of transactions and how many transactions can I make with my code?

Once you enter your code and card Personal Identification Number (PIN), you can perform one monetary transaction (such as a cash withdrawal), or one non-monetary transaction (such as a balance inquiry) before your one monetary transaction. Also, ATM withdrawal amounts are subject to your account balance and the current ATM daily dollar cash withdrawal limits for your Wells Fargo Debit, ATM, or Prepaid Card.

Do I have to enroll to use the ATM Access Code feature?

You don’t need to enroll to use the feature. However, you may be asked to register your device through our Advanced Access service the first time you request an ATM Access Code. To get started, sign on to the Wells Fargo Mobile app and select Card-Free ATM at the bottom of the Account Summary page.

Is there a fee to use the ATM Access Code feature?

No. Wells Fargo doesn’t charge a fee for ATM Access Code. However, if you receive your code via text, your mobile carrier's message and data rates may apply.

Can I use my mobile wallet to access the ATM?

Yes, you can use a mobile wallet instead of your physical Wells Fargo Debit Card or Wells Fargo EasyPay Card to access a Wells Fargo ATM that displays the contactless symbol  (see Using my mobile wallet section).

Business debit card

For businesses, do you have an ATM card that employees can use to only make ATM deposits for my business?

Yes, we offer a business deposit card which can be issued to employees who are not authorized signers on the business accounts. With this card, you can have your employee make deposits at Wells Fargo ATMs only. Neither the card nor the PIN provides access to account balances or the ability to transact at the ATM or the Wells Fargo National Business Banking Center.

Using my card and more

Do you offer a temporary debit card that I can use if I am away from my debit card (and don’t want to replace my permanent card)?

You can request an instant issue debit card at any Wells Fargo branch when you are temporarily away from your permanent card, and do not need or wish to replace your permanent card. When an instant issue debit card only is issued, the temporary debit card is in effect for 30 days from the time it is issued. It will have a different card number and PIN from your current permanent debit card, and your permanent debit card will not be disrupted.

What are the fees associated with using my card?

You can see the fees associated with your card on your card terms and conditions.

Which accounts can I link to my debit or ATM card?

You can link your debit or ATM card to up to 22 accounts:

  • 5 Checking
  • 5 Savings
  • 5 Money Market Accounts
  • 5 Credit Cards
  • 2 Lines of Credit (Home equity lines only. Exception: Any Home Equity Line of Credit secured by property in New York or Texas are prohibited for linkage by state law).

To see your linked accounts, Sign on to Wells Fargo Online banking and visit the Card Profile page.

If you have an Opportunity Checking® or Opportunity SavingsSM account, you can link your debit card to your Opportunity Checking® and Opportunity SavingsSM account. You can see the accounts linked to your card by signing on and visiting the Card Profile page. If you have a GreenhouseSM Debit Card, the primary linked checking account must be the Greenhouse Spending Account, and the secondary linked checking account must be the Greenhouse Set Aside Account. For a Wells Fargo Business Deposit Card, you can link up to 15 deposit accounts.