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How to Set Up Direct Deposit

Direct Deposit is a free service that automatically deposits recurring income into any Wells Fargo checking or savings account you choose. Income you receive from your employer, Social Security, pension and retirement plans, the Armed Forces, VA Benefits, and annuity or dividend payments may all qualify for Direct Deposit.


  • It's convenient. Free up some time by having your money automatically deposited into your Wells Fargo account. 
  • It's fast. You have same-day access to your money on the day of deposit.
  • It's safe. Never worry about checks getting lost, delayed, or stolen.

Customers with Direct Deposit can also take advantage of our automatic Overdraft Rewind® feature. If we receive an electronic direct deposit by 9:00 a.m. local time, the bank will automatically reevaluate transactions from the previous business day and may reverse overdraft or returned item, non-sufficient funds (NSF) decisions, and waive or refund associated fees.

Three easy steps

If the company or agency that pays you offers Direct Deposit, follow these three easy steps to set up Direct Deposit into your Wells Fargo account.

Step 1. Use our pre-filled form

Sign on to Set Up Direct Deposit to create your customized Direct Deposit form. Simply select the account you’d like your deposits to go to, and we’ll pre-fill the form with your routing number, account number, and account type.

Or you can download a blank Direct Deposit/Automatic Payments Set-up Guide (PDF) and fill in the information yourself. For accounts with checks, a diagram on the form shows you where you can find the information you’ll need.

If you have questions about direct deposits from a federal agency, you will find full contact information on the Direct Deposit Information Form, or you can visit a Wells Fargo retail banking branch near you.

Step 2. Print your completed form and provide the information to the company or agency that pays you

Your payor may ask you to complete their own form or provide a voided check in order to process your request.

Step 3. Monitor your account

It may be one or two pay or benefit periods before Direct Deposit goes into effect. You can sign up for alerts that notify you when a direct deposit is available in your account. Just sign on to set up alerts.


We're available 24 hours a day, 7 days a week at 1-800-TO-WELLS (1-800-869-3557).

Set Up Direct Deposit

The fastest, most convenient way to manage your everyday financial transactions – and it’s free!

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