Bill Pay Questions

In addition to the questions below, the Help section of Bill Pay offers details about adding payees, scheduling payments, setting up automatic or recurring payments, eBills, and more.

Is there a charge to use Bill Pay?

Most of our customers qualify for free Bill Pay. There's no monthly service fee when you meet either of the following requirements:

  • Have an eligible checking account, or
  • Keep a minimum balance of $5,000 in qualifying accounts at all times

See a list of eligible and qualifying accounts.

Even if you're not eligible for the monthly service fee waiver, you can still try Bill Pay for free for the first two months. After that, Bill Pay is $3 per month (includes up to 25 payments per month; each additional payment costs $0.40). The monthly service fee will be assessed starting in the first month of use after the free trial period. Charges may apply for same-day payments. Account fees (e.g. monthly service fees, overdraft fees, and excessive usage fees) may apply to the Bill Pay funding account - refer to your account agreement for more information.

Credit card customers

Regardless of whether or not you pay the monthly service fee, if you choose to use your eligible Wells Fargo credit card to fund any Bill Pay payments, interest and fees will apply to each of the transactions. There is no grace period for these transactions. Periodic interest will begin to accrue on the date your Bill Pay payment is sent, at the periodic rate for purchases stated in your Customer Agreement and Disclosure Statement. Wells Fargo Rewards® program points will not be earned for Bill Pay payments.

How do I enroll for Bill Pay?

If you have a Wells Fargo checking account, there are two ways to enroll for Bill Pay:

Once you’re enrolled, sign on to Bill Pay and add your payees so you can start making payments to them.

Learn more about Bill Pay

How do I cancel my Bill Pay service?

We’re sorry that you want to cancel your Bill Pay service. If you’re canceling because of the monthly service fee, did you know that there are many ways to qualify for free Bill Pay?

To cancel your Bill Pay service:

  1. Sign on, go to Account Services.
  2. Select Cancel Bill Pay Service under the Bill Pay headline.
  3. Complete the email form with your cancellation request. We will send a confirmation to your secure Messages & Alerts inbox.

Note: Canceling your Bill Pay service will cancel any pending or recurring payments and any electronic bills (eBills) that you have requested. Once you cancel your service you will not be able to access your payment history.

Which accounts can I use to pay bills online?

To enroll for Bill Pay, you must have a Wells Fargo checking account. You can pay your bills from either your checking account or your eligible Wells Fargo credit card.

  • You can use any Wells Fargo checking account to pay bills. If you have more than one checking account, you may choose which one you want to use for each payment.
  • You may also pay bills using your eligible Wells Fargo credit card. Interest will apply when you choose to use your credit card to pay bills.
  • You cannot use your credit card to make Bill Pay payments to Wells Fargo credit products such as a Mortgage, Line of Credit, or credit card.

Whom can I pay with Bill Pay?

You can pay almost any company or individual in the U.S. You can pay a company that sends you a bill, like the phone company, or a person or company you owe money to but don't necessarily receive a bill from, like your lawn mowing service.

In addition you can:

  • Set up automatic payments for recurring bills — like mortgage or cable TV.
  • Make one-time payments for bills that differ each month — like the phone or utility bill.
  • Pay your Wells Fargo credit card and loan accounts online quickly and easily. We’ll even set them up for you automatically when you enroll in Bill Pay.

Note: We are unable to support payments to federal, state, local tax agencies, or court-ordered payments.

How do I set up payees in Bill Pay?

Before you get started, it is helpful to have recent copies of your current bills available when you set up your payees, as you will be asked to verify or enter a payment address and account information.

You can set up your payees online in just a few easy steps:

  1. Sign on to Wells Fargo Online and select the Bill Pay tab.
  2. Enter the payee’s name and ZIP code under Add New Payee on the Overview screen.
  3. Select your payee from our online directory, or enter the details manually.
  4. Choose the account you want to use to make payments to this payee, and select the payment option you want to use.

Once you have added your payee, click Make Payment to schedule a payment.

We’ll add your Wells Fargo payees automatically

  • We make it easy to add your Wells Fargo credit and loan accounts to your payee list by automatically adding them when you enroll.
  • If you are an existing Bill Pay customer, you can quickly add your Wells Fargo accounts by clicking the Add your Wells Fargo accounts link.
  • Eligible accounts include: consumer and business credit cards, lines of credit, installment loans, personal loans, and student loans. Auto leases, home equity loans and lines of credit, and mortgage accounts will be not automatically added your Bill Pay service, but you can add them yourself using the steps listed above.

How do I change Bill Pay payee information?

To change your payee’s address, phone number, nickname, or account information:

You may easily change the payee information.

  1. Sign on to Wells Fargo Online® and select the Bill Pay tab.
  2. Click the name of the payee you wish to edit.  The screen will display the Payee Details.
  3. Click the Edit Payee button on the right side of the page. The screen will re-display with the Edit Payee Details. Click Save at the bottom of the page after you have made the changes. If you receive electronic bills for a payee, you can only edit the payee nickname.

To change payee payment details:

  1. Sign on to Wells Fargo Online® and select the Bill Pay tab.
  2. Click on the name of the payee you want to change.  The screen will display Payment Details for that payee.
  3. Click Edit next to Payment Details to change the default payment account, payment option, category, or memo. Click Save at the bottom of the page after you have made the changes.

To change eBill options:

  1. Click on the name of the payee you want to change.  The screen will display Payment Details for that payee. Scroll down to eBill Information.
  2. Click stop receiving this bill online or receive this bill online.
  3. To activate eBills you may also click on the Activate eBills link next to the payee name on the Bill Pay Overview page.

To change alerts for payments and eBills:

  1. Click on the name of the payee you want to change and the Payee Detail page will display. Scroll down to Notifications.
  2. Click on Edit to change the alerts for payments or eBills.
  3. Click Save at the bottom of the page after you have made the changes.

How do I delete a Bill Pay payee?

  1. Sign on to Wells Fargo Online® and select the Bill Pay tab.
  2. Click the name of the payee you wish to delete.
  3. Click the Delete Payee button at the bottom of the page. The screen will re-display with the Payee Status changed to Deleted. (If there are payments in process, you will receive an error message stating that the payee cannot be deleted. Please delete the payee after the payment has been sent.)

More information about deleted payees:

  • Important: Deleting a payee will automatically cancel all scheduled payments. Be sure to reschedule your payments if necessary.
  • The deleted payee will no longer appear in your list of payees when you are making payments.
  • You will still be able to view up to one year of payment history for the payee on the Payment History screen.

Bill Pay Payments

How far in advance should I schedule a Bill Pay payment?

You can schedule a Bill Pay payment up to a year in advance, but the minimum amount of time is up to three to five business days before your payment due date.

The minimum number of days varies by payee. When you’re scheduling payments, look below the Send On date to see how many days to allow for delivery.

Tip: Use the calendar tool to determine the delivery date for your payment based on the Send On date you select. Click on the calendar icon next to the Send On date when you’re scheduling payments.

Can I make same-day Bill Pay payments?

You can make a same-day payment to a limited selection of payees. The fee and cut-off time for scheduling a same-day payment both depend on the payee, and will be shown when you schedule the payment. Only those payees where a “Same Day” option is provided can receive a same day payment.

When does Wells Fargo withdraw the money from my checking account or debit my credit card for a Bill Pay payment?

We withdraw the money from your checking account or debit your credit card on the business day following your payment Send On date. Depending on the payee, your payee will receive the payment within three to five business days.

How do I know if you have sent my Bill Pay payment and my payee has received it?

You'll receive a reference number for every payment you schedule. You can use this to track payments on the Payments screen.

  • The Pending Payments section shows payments that we have not sent yet or that are in process.
  • A “Paid” status in the Processed Payments section indicates that we have sent a payment.

If you’d like, you can also choose to receive an email when we send your payment.

Proof that your payment was received by the payee should appear on the next bill you receive from your payee.

Do you send all Bill Pay payments electronically?

Payees either receive an electronic payment or a check:

  • We send payments electronically to all payees that are capable of receiving funds this way.
  • Companies that can’t receive funds electronically and payees who are individuals receive a laser-printed paper check sent through the U.S. Postal Service.

As you are scheduling a payment, we will tell you how many days to allow for delivery. If the payment method for your payee is electronic, we will tell you to allow up to three business days, and if the payment method for your payee is paper check, we will tell you to allow up to five business days.

How do I change or cancel my Bill Pay payment?

Up until 7:00 pm Pacific Time on the date you want us to send the payment (the Send On date), you may change or cancel your payment online or by calling 1-800-956-4442. To change or cancel your payment online:

  1. Sign on to Wells Fargo Online® and select the Bill Pay tab,
  2. Select the Payments tab and look at the Pending Payments section.
  3. In the Action column next to the payment you want to change or cancel, click Edit to change the payment or Cancel to cancel the payment.

What happens if I set up a Bill Pay payment, but I do not have funds in my checking account or available credit on my credit card?

If you do not have sufficient funds in your checking account on the date you want us to send the payment, we may make the payment using available Overdraft Protection funds or we may create an overdraft. There is a fee for both these situations. Read more about our fees.

If you do not have sufficient available credit on your credit card account, we will cancel your payment.