What is my available balance?
Your available balance shows you the funds that you may withdraw from your account.
It includes all deposits and withdrawals that have been posted to your account. It’s also adjusted for any holds on recent deposits, and any pending transactions.
What’s not included in my available balance?
- Outstanding checks
- Automatic payments you’ve authorized such as:
- Car payments
- Gym membership
- Subscriptions to internet services
- Other recurring debit card transactions
- Debit card transactions that were authorized by the bank, but not submitted by the merchant for payment within three business days of authorization, or that were never submitted for authorization. For example, an online merchant may temporarily authorize a transaction of $1 to verify your account, then later debit your account the full purchase price once your order ships.
- Added charges you’ve authorized to your debit card transactions – such as the tip you added to a restaurant bill.
For more details, see "What other factors affect my available balance?" below.
To avoid overspending, it’s a good idea to keep a personal record of your transactions, and compare your record to what you see online in your Wells Fargo Available Balance.
How do I view my end of day balance and account history online?
- View your account balance (or select the Account Activity tab if you’re already signed on).
- Click on the dollar amount in the Available Balance column of the account you want to view.
- You will see the Account Activity screen with a list of your transactions, starting with the most recent.
- Above the transactions table, there is a dropdown menu displaying “View All Activity.” To see your end of day balance, select “View All Activity with Balances” and click Select.
How much account activity can I view online?
The amount of history you can view online depends on your type of account:
- Checking, savings, and money market account histories are available online for up to 18 months.
- Line of credit and installment loan account histories are available online for up to 24 months.
- Credit card account histories are available online for up to 90 days or 300 transactions.
If you need information prior to these times, please refer to your account statement. You can view or request a previous statement online (or go to the Account Services page if you’re already signed on).
How is my available balance calculated?
We start with your current posted balance. Then we adjust for any holds on recent deposits and any pending transactions that are known to the bank.
Your current posted balance includes deposits and withdrawals posted to your account by the end of the previous business day.
Pending transactions include:
- Deposits you made after the previous business day. These include any deposits you made today or over a weekend.
- Payments and withdrawals you authorized that haven’t been deducted from your account yet. These include ATM withdrawals, Bill Pay transactions, and pending debit card transactions.
Why are my available and ending balances different?
Your available balance is the most current information regarding the funds you have available for withdrawal, ATM or Debit Card purchases, or written checks.
- It reflects the latest balance based on transactions recorded to your account today, including direct deposits, paid checks, withdrawals, and point-of-sale purchases.
- The first $200 of ATM deposits will be included the same day in your available balance. The remaining funds will be added as items are processed and any holds are removed.
Your ending balance is your account balance at the end of the last business day. A business day is generally Monday through Friday, except holidays. The ending balance does not include any pending transactions that have occurred since the close of the last business day.
What other factors affect my available balance?
Debit card purchases
If you make a purchase with your debit card, the merchant may request authorization for an initial amount and send us the actual transaction amount later for payment. This is often the case in places where you can add a tip to your bill (such as restaurants or salons), hotels and car rental agencies, where there can be a significant difference between the amount that's authorized initially (authorization hold amount) and the actual transaction amount. The initially authorized amount appears in your pending transactions, but the actual transaction amount is deducted from your account.
For most debit card purchases, we receive the payment request, including the actual transaction amount, within three business days of the transaction. If we don't receive a final payment request from the merchant within three business days, we assume the transaction was not actually made. We then credit the funds back to your available balance.
If we receive the payment request at a later date, the actual transaction amount will be deducted from your account at that time. Keep track of your transactions and ensure you have sufficient funds in your accounts to cover the final payment.
The first $200 of an ATM deposit will be included the same day in your available balance. The remaining funds will be available either the next business day, or after any applicable deposit holds are removed.
Checks deposited in a branch are generally available for withdrawal the following business day. Occasionally, a hold will be placed, preventing withdrawal of the money until a later date. Further details are provided in the bank's Funds Availability Policy.
What are pending transactions?
Pending transactions are account activities that have not yet posted to your account. These items will usually post to your account within one to three business days, depending on the type of transaction. The amount of your available balance may include but is not limited to pending transactions such as:
- ATM deposits (The first $100 of ATM deposits will be included the same day in your available balance; we will add the remaining funds as we process items and remove any holds.)
- ATM withdrawals
- ATM or Debit Card purchases
- Direct deposits
- Bill Pay payments
When will my deposit be credited to my account?
If you make your deposit before the displayed branch or ATM cut-off time on a business day, we will 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.
- The cut-off times for most Wells Fargo branches and ATM locations are 4 pm Monday -Thursday and 6 pm on Fridays, local time. Cut-off times are displayed in all locations.
- Use our Locator to find the cut-off times for a branch or ATM nearest you. Click the additional services link next to the branch or ATM to see the cut-off times
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).
How can I keep track of my available balance?
- Keep a personal record of all of your transactions and compare your record to what is reflected by the bank. You can find details about your pending and posted transactions when you view your account activity online.
- Adjust your personal record to include outstanding checks and automatic payments you have authorized (such as car payments, a gym membership, or other recurring debit card transactions).
How can I download my account history?
You can download your account activity into a convenient spreadsheet from within Online Banking or Quicken® Web Connect. Select download account activity on the Account Services page.
By default, the spreadsheet will show your transactions for the last 90 days. However, up to 18 months of account activity may be available.
To access an extended history, choose the time frame you want on the Account Activity page and hit Go.
How do I get information about a levy or legal order process on my account?
To ensure that all of your questions are answered about a Levy or Legal Order Process on your account, please call our Legal Order Processing Department at 480-724-2000. Agents are available Monday through Friday, 8:30 am to 5:00 pm Mountain Time. Levy or Legal Order Process information is not available through email.