Deposit Questions

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).

Why did you place a hold on my deposit?

Wells Fargo’s general policy is to make deposited funds available on the first business day after we receive the deposit. In some cases, however, we place a “hold” on the funds. Common reasons for placing a hold on a check or deposit include but are not limited to:

  • Accounts with frequent overdrafts
  • Accounts opened for a short time
  • High dollar deposits that exceed the total available balance in the account
  • Deposits of checks that have already been returned unpaid
  • The financial institution that the check was drawn against has notified Wells Fargo that the check will be returned

For questions or information about a hold placed on a check or deposit, please contact a customer service supervisor at 1-800-TO-WELLS (1-800-869-3557), 24 hours a day, 7 days a week. Holds on deposits cannot be serviced through email.

Where can I mail my deposit?

Please request a Bank by Mail kit by phone or email. Allow 15 business days for delivery.

  • Call 1-800-TO-WELLS (1-800-869-3557). Bankers are available to assist you 24 hours a day, 7 days a week.
  • Or sign on to Wells Fargo Online® and click Contact Us. Be sure your email includes the address where you want the kit mailed and your account number for the deposits.

While you are waiting for your kit, you may mail your deposits to Wells Fargo, P.O. Box 3488, Portland, Oregon, 97208-3488. Be sure to include your account number with your deposit.

What does Check Reversal mean?

When a check that is deposited into your account is returned unpaid by the issuer's bank, the item is debited as a Check Reversal and returned to you to collect from the issuer. There is a Returned Item fee each time this occurs.

How do I request a copy of a deposit slip?

If a deposit has already posted to your account, you can order a copy of a past deposit slip online (or select the Deposit Slip link in the Request Copies section of the Account Services page if you’re already signed on). You will need to provide your account number, the amount of the deposit, and the date the deposit was credited to your account.

If the deposit has not yet posted, or if the deposit was made to an account you do not access online, call us at 1-800-TO-WELLS (1-800-869-3557). Please have your Transaction Receipt available when calling.

More information about deposit slip photocopies:

  • You may obtain a photocopy of a deposit slip within seven years of the deposit date.
  • Please allow up to ten business days for delivery.
  • You may also request copies of the checks that were included in the deposit.
  • A Document Copy Fee may apply when Wells Fargo provides you with a paper copy of a deposit slip and/or the accompanying checks. For additional information, please refer to your Consumer Account Fee and Information Schedule, or call us at 1-800-TO-WELLS (1-800-869-3557).

To order new blank deposit slips, call 1-800-TO-WELLS (1-800-869-3557).

How do I set up direct deposit?

Three easy steps for setting up direct deposit.

What is my routing number?

Also known as a banking routing number, routing transit number, RTN, or ABA, routing numbers differ for Wells Fargo Checking and Savings accounts, Credit Cards, Lines of Credit, and wire transfers. Find your routing number.

When will my direct deposit be credited to my account?

We add your direct deposit amount to your Available Balance on the same day we receive your deposit. Your Available Balance is the amount of funds available to you for withdrawals, ATM or Debit Card purchases, or writing checks.

If you were expecting a direct deposit and have not received it, or there was an error in the direct deposit amount, please contact the company or individual who is sending you the money.

Can I get an advance on my next direct deposit?


Yes. If your personal checking account receives a qualified direct deposit and has completed a full statement cycle, our Direct Deposit Advance® service may be available to you. Wells Fargo may give you access to a portion of your directly deposited income early when you have at least one recurring electronic direct deposit of $200 or more every 35 days into a qualified Wells Fargo personal checking account.

You may qualify for the maximum advance credit limit of $500, or 50% of your average qualified deposit(s) received in a statement period rounded up to the nearest $20, whichever is less. Advanced funds are automatically deposited into the checking account receiving the direct deposit income.

For every $20 you borrow, you will be charged an Advance Fee of $1.50. The Direct Deposit Advance service is an expensive form of credit intended to meet short-term and emergency borrowing needs.

If your account qualifies, you can request an advance at the following channels:

  • Sign on to Wells Fargo Online® and select Direct Deposit Advance in the Account Activity section.
  • Or call us at 1-800-TO-WELLS (1-800-869-3557), 24 hours a day, 7 days a week.


There are two repayment methods for repaying an advance: Automatic Deduction and Payment by Mail. If your account qualifies, you may also choose the Payment Plan at no additional cost which is a feature of the Automatic Deduction repayment method. Automatic Deduction will be the method in place once your account becomes eligible for the service. Under Automatic Deduction, Advances from the Direct Deposit Advance service and related Advance Fees are automatically repaid from any direct deposit of $100 or more, or after 35 days from the date of the advance. If no qualifying direct deposit is received, or if any outstanding balance is not paid in full within 35 days of the advance, the full amount of the outstanding advance and Advance Fee will be automatically deducted from your checking account.

Please Note: Alternative forms of short-term credit exist that might be less expensive and more suitable to your needs.

Please read our Direct Deposit Advance frequently asked questions and terms and conditions before you use the service so that you understand how Direct Deposit Advance works.

Can I use my mobile device to make a deposit?

Yes. With Wells Fargo Mobile® Deposit (“Mobile Deposit”) you can make a deposit directly into your eligible checking or savings account using the Wells Fargo Mobile App on supported Apple and Android devices. Mobile Deposit lets you submit photos of the front and back of your endorsed check. Your deposit is safe and you can save time with fewer trips to a Wells Fargo ATM or store.

Learn more.