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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 Wells Fargo Online Bill Pay?

There's no monthly service fee to use Bill Pay.

Charges may apply for Wells Fargo Same Day Payments ServiceSM. Please refer to the Online Access Agreement for fees associated with our online services. Account fees (e.g. monthly service, overdraft) may apply to the Funding Account. For more information on the account fees, please refer to the account agreement you received when you opened your account.

How do I enroll in Bill Pay?

You can enroll in Bill Pay if you have a Wells Fargo checking account.  Just sign on to Wells Fargo Online® and access Transfer and Pay.  If you don’t have a username and password, enroll now to get started. 

Learn more about Online Bill Pay

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 other eligible accounts.

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 add, change, or delete payee information?

First, access Bill Pay through the Transfer and Pay menu.

Adding a payee: go to Bill Pay and select Add Payee. You can add a payee manually, browse our list, or search by payee name or ZIP code. Before you get started, it’s helpful to have recent copies of your bills available, since you’ll be asked to verify or enter each payee’s name, address, and account number.

Editing or deleting a payee: in Bill Pay, choose the payee you want to change. Select Edit or Delete at the bottom of the payee’s profile, make your changes and save.

Note: If you don’t see the edit option when updating a payee, you’ll need to delete the payee and add it back as a new one.


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 for a Bill Pay payment?

We withdraw the money from your checking account 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.

Why are some payments sent by paper checks?

Some individuals or companies can’t accept electronic payments, so we mail them a check through the U.S. Postal Service. For that reason, it's important that you provide correct name and address information for all of your payees.

If your payment is made by paper check, you’ll find the date the check was cashed on the Payment Details screen in Bill Pay.

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

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.