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Mobile Deposit Questions

Top questions

How does Mobile Deposit work?

It’s convenient and easy to use.

Sign on to your Wells Fargo Mobile app , then follow these simple steps:

  1. Select the deposit function.
  2. Choose the eligible account where you want to deposit your check.
  3. Enter the check amount.
  4. Take a picture of the front and back of your endorsed check with your mobile device. For photos that work best, follow these guidelines:
    1. Place your check on a dark-colored, plain surface that’s well lit.
    2. Position your camera directly over the check (not at an angle).
    3. Fit all 4 corners in the guides of your mobile device’s camera screen.
  5. Submit your deposit.

You’ll receive a confirmation message on your mobile device for each successful deposit. Plus, we’ll send a deposit confirmation to your primary email address and your Wells Fargo Online Message Center secure mailbox.

Deposit limits

Each check is considered a separate deposit. You can make multiple separate deposits in a single mobile session. There is no limit to the number of checks you can deposit in a day. However, there are deposit limits for each eligible account. Your Mobile Deposit limits are listed in the app above the Enter amount field.

What types of checks can I deposit?

You can deposit checks payable in U.S. dollars and drawn at any U.S. bank, including personal, business, and most government checks. They must also be payable to, and endorsed by the account holder.

International checks, U.S. savings bonds, U.S. postal money orders, MoneyGram, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), and cash are not eligible for Mobile Deposit.

When will my mobile deposit be available?

Funds are available on the next business day after the day of your deposit, unless a hold is applied. If a deposit is held (or a hold is applied), funds are posted to your account but are not immediately available to cover debits or withdrawals. Common reasons include:

  • Large deposit amount
  • Frequent overdrafts
  • Deposited check returned unpaid
  • Indications a deposited check may not be paid

If a hold is applied at the time of deposit to any portion of your deposit, you’ll receive a message on your mobile device, including when funds will be available, prior to submitting your deposit. You can cancel your deposit at this time. If you continue and submit your mobile deposit, you’ll receive information about the hold on the confirmation screen and in the email sent to your primary email address and secure inbox.

You’ll know that your deposit is available when the amount appears in the available balance of the account you selected when you submitted your mobile deposit.

General questions

What is the Wells Fargo Mobile Deposit service?

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.

Mobile Deposit lets you submit photos of the front and back of your endorsed, eligible check. You can save time with fewer trips to a Wells Fargo ATM or branch.

We use advanced encryption and security technology:

  • Wells Fargo Online passwords are not stored on your mobile device.
  • Check photos are not stored on your mobile device.
  • You view accounts by nicknames you can define, not by account numbers.
  • 128-bit encryption masks your sensitive information.

Remember for added security, always sign off completely when you finish using the Wells Fargo Mobile app by selecting Sign Off. See more Wells Fargo Mobile security tips.

Who’s eligible to use the Mobile Deposit service?

Wells Fargo Online and Wells Fargo Business Online® customers who maintain an eligible checking or savings account, and who have accepted the Mobile Deposit Terms and Conditions are eligible to use Mobile Deposit.

How do I get Mobile Deposit?

Mobile Deposit is available through the Wells Fargo Mobile app by accepting the Mobile Deposit Terms and Conditions. If you already have our app, update it with the most recent version. Please refer to Supported Browser for operating system requirements.

What are the cut-off times for deposits made with Mobile Deposit?

Mobile deposited funds are available on the day after the deposit credit date, unless a hold is applied. If a hold is required on the check, you’ll receive a message during the deposit, and you’ll be able to cancel the deposit. If you continue with the deposit, you can get information about the funds availability through Wells Fargo Mobile or Wells Fargo Online.

For deposits made Funds are generally available
Before 9 pm Pacific Time business days On the next day after the day of your deposit
After 9 pm Pacific Time business days On the day after the deposit credit date
Non-business days On the day after the deposit credit date

For example, if you make a deposit before the cut-off time on a Monday, funds are generally available on Tuesday. If you make a deposit after the cut-off time on a Friday, funds are typically available on the following Tuesday. Business days are Monday through Friday except Federal holidays. The deposit credit date is provided on your Mobile Deposit confirmation screen and in the email we send you when your transaction is complete.

How do I select a default account for Mobile Deposit?

To make an account the default for Mobile Deposit, select the account from the Deposit To drop-down, and check the Make this account my default box.

Note: If you have only one account eligible for Mobile Deposit, it will automatically be your default account.

Is there a limit on how much money I can deposit using the Wells Fargo Mobile app?

Yes, your mobile deposit limits are shown for each eligible account in the app above the Enter amount field on the Mobile Deposit landing page.

How will I know if there’s a problem with my mobile deposit after I submit it?

If a problem arises with your deposit, such as a returned check, we’ll send a written alert to your primary address by U.S. mail.

What should I do with my paper check after using Mobile Deposit?

After depositing your check using Mobile Deposit, please follow these best practice guidelines:

  1. Write “Mobile deposit on Date” on the front of your check. The date should be the month, day, and year of your deposit.
  2. Securely store your check for 5 days after your deposit, and then destroy it. This allows sufficient time in case the original check is required for any reason.

Are there fees for using Mobile Deposit?

There are currently no fees for Wells Fargo Online and Wells Fargo Business Online customers to use Wells Fargo Mobile or Mobile Deposit. Please check with your wireless provider about carrier and web access charges.

Why do I not see the Deposit Checks option on my Apple device?

If your camera is turned off and/or you have not given the Wells Fargo Mobile app permission to access your camera on your device, you will not be able to see the Deposit Checks option.

Mobile Deposit is available only on the Wells Fargo Mobile app. If you are using the mobile browser, this feature will not be available.

To turn your camera on, go to Settings > General > Restrictions and under Allow, make sure the Camera is ON.

To grant permission for the Wells Fargo Mobile app to access your camera, go to Settings > Privacy > Camera > Wells Fargo and make sure the Camera is ON for Wells Fargo.

OR

Go to Settings > Wells Fargo and make sure the Camera is ON.

Why do I not see the Deposit Checks option on my Android device?

If the Wells Fargo Mobile app does not detect the camera on your device, you will not be able to see the Deposit Checks option.

Mobile Deposit is available only on the Wells Fargo Mobile app. If you are using the mobile browser, this feature will not be available.

Check the following to help identify if something is interfering with the mobile deposit functionality:

  • If you have installed an app that allows you to disable your camera, make sure your camera is enabled.
  • If you have installed and are currently using mobile security applications, they may be preventing mobile deposit from operating correctly.

Check to see if any Android permissions are interfering with Mobile Deposit. Both camera and photo permissions are necessary to use this feature.