Mobile Banking Questions

Basics

What can I do with the Wells Fargo Mobile® Service?

Wells Fargo Mobile gives you three ways to bank on your mobile device:

  1. Mobile website (wf.com), which allows you to access accounts to check account and Rewards balances, view detailed account activity, make transfers, pay bills, and more.
  2. Text banking, which allows you to quickly request and receive basic account information, and move money between your eligible Wells Fargo accounts via text message.
  3. Apps, which provide the same features as wf.com, plus one-touch access to Sign On, easy menu navigation, and GPS-powered ATM/location information.

How much does Wells Fargo Mobile cost?

There are no fees to use or access wf.com, text banking, or our apps. Please check with your wireless provider about carrier and web access charges.

How is Wells Fargo Mobile secure?

Text banking is secure because:

  • You view accounts by nicknames you set, not account number
  • No detailed personal information sent
  • It’s covered by our online security guarantee

wf.com and apps are secure because:

  • 128-bit encryption masks your sensitive information
  • When you close your browser or the app, the session ends
  • They’re covered by our online security guarantee

What should I do if I lose my phone?

If your phone is lost or stolen, call 1-866-863-6762, 24 hours a day, 7 days a week to deactivate your account.

What are mobile preferences and how do I change mine?

With mobile preferences, you can manage your mobile accounts and nicknames, as well as update your text banking preferences. To do so, select the Preferences menu option once you are signed on at wf.com or our app.

Text banking customers: You can also manage preferences by sending PREF to 93557 (WELLS).

What are mobile nicknames and how do I change mine?

By default, your mobile accounts are given short nicknames to make it easy to identify them. Mobile nicknames help keep your information secure by eliminating the need to display your account number(s). To change your nicknames, select the Preferences menu option once you are signed on at wf.com or our app.

Text banking customers: You can also manage preferences by sending PREF to 93557 (WELLS).

How do I disable Wells Fargo Mobile?

You can disable your Wells Fargo Mobile Service by calling us at 1-866-863-6762, 24 hours a day, 7 days a week.

Text banking

What are the text banking commands?

  • ACT: View account activity on your primary account. To view account activity of another account, include the account nickname. Example: ACT VISA
  • ATM: Get ATM locations near you
  • BAL: Receive the balance of your primary account. To receive the balance of another account, include the account nickname. Example: BAL SAV
  • BAL ALL: Receive the balance of all your enrolled accounts
  • COM: Receive a list of all text banking commands
  • DET: View detailed sub-account balances on Home Equity or Student Loan accounts
  • DUE: View information for your credit card account(s)
  • TRA: Transfer funds between your Wells Fargo Checking and Savings accounts and to your Wells Fargo Credit card
  • HELP: Get Wells Fargo contact information
  • IPHONE: Receive a link to download our iPhone application
  • STOP TEXT: Disable text banking
  • TIPS: Text any time to get helpful text banking tips

You can also manage your text banking preferences at any time with:

  • PREF: View the list of preference management commands available
  • ADD: Enable an eligible account for text banking
  • LIST: List all your accounts eligible for text banking
  • NIC: View and manage account nicknames
  • PRI: Set a primary account
  • REM: Disable account from text banking

How is text banking secure?

Text banking is secure because:

  • You view accounts by nicknames you set, not account number
  • No detailed personal information sent
  • Text banking won’t send unsolicited text messages
  • It’s covered by our Online Security Guarantee

Will text banking work on my phone?

Text banking will work as long as your carrier supports text messaging. Check with your carrier for details about text messaging charges.

Does my mobile carrier support text banking?

Currently, text banking is supported by the following carriers:

  • AT&T
  • Alltel
  • Boost
  • Cricket Communications
  • MetroPCS
  • Nextel
  • Sprint
  • T-Mobile
  • US Cellular
  • Verizon Wireless
  • Virgin

Regional Carriers:

  • ACS Wireless
  • All West Communications
  • Appalachian Wireless
  • Bluegrass Cellular
  • Breakaway Wireless
  • Carolina West Wireless
  • C-Spire
  • Cellcom
  • Cellular One of East Central Illinois
  • Cellular One of NEPA
  • Centennial Wireless
  • Chat Mobility
  • Cincinnati Bell
  • CTC
  • Duet Wireless US
  • Element Mobile
  • Farmers Mutual Telephone
  • GCI Communications
  • Golden State Cellular
  • Illinois Valley Cellular
  • Immix Wireless
  • Inland Cellular
  • iWireless
  • Nex-Tech Wireless
  • nTelos Wireless
  • Northwest Missouri Cellular
  • Nucla-Naturita Telephone Co
  • Panhandle Telecommunications US
  • Pioneer Cellular
  • Plateau Wireless
  • Pocket Wireless
  • Revol Wireless
  • Silver Star PCS
  • Simmetry Wireless
  • Snake River PCS
  • Sprocket Wireless
  • Strata Networks
  • Syringa Wireless
  • Thumb Cellular
  • Unicel
  • Union Wireless
  • United Wireless
  • Viaero Wireless
  • West Central Wireless

Are text commands case-sensitive?

No, commands can be sent in lowercase (bal) or all capital letters (BAL).

What should I do if I get a new phone or phone number?

If you have a new mobile number, visit mobile preferences to update your contact information.

Will text banking work on my pre-paid service plan?

At this time, the following pre-paid carriers do not support text banking:

  • Some Verizon Mobile Virtual Network Operators (MVNOs) (e.g. MIGO)
  • TRACFONE®

Mobile website

How is wf.com different from wellsfargo.com?

wf.com is the optimized mobile website for access to your eligible Wells Fargo accounts. With wf.com you can make mobile transfers between your accounts and to other customers, pay your bills, find ATMs, and more.

For access to all products and services we offer, visit our full site at wellsfargo.com via your computer.

Do I need a username and password to access wf.com?

Yes, sign on using your Wells Fargo Online username and password.

How is wf.com secure?

wf.com is secure because:

  • 128-bit encryption masks your sensitive information
  • When you close your browser or the app the session ends
  • It’s covered by our online security guarantee

Can I pay bills on wf.com?

Yes, but in order to use Mobile Bill Pay, you must first set up your payees in Online Banking via your computer.

Can I make transfers to another Wells Fargo customer on wf.com?

Yes, but before you can make a mobile transfer to another Wells Fargo customer, you must first add the recipient to your transfer list on Wells Fargo Online via your computer.

Why can't my phone access wf.com?

wf.com works on most mobile phones with internet access that also support WAP (Wireless Application Protocol) 2.0, the international standard for applications using wireless communication.

Apps

What apps are available?

Wells Fargo has custom apps for Android, iPad, iPhone, BlackBerry, and Windows Phone devices.

How are WF apps different from wf.com?

Our apps are made specifically for smartphones and the iPad, which means we use your device’s built-in features to provide a better experience. One-touch access to Sign On, easy menu navigation, and GPS-powered location information are all included.

Is there an app for my iPad?

Yes. The iPad app provides a mobile experience designed specifically for use on this device.

How are WF apps secure?

Our apps are secure because:

  • 128-bit encryption masks your sensitive information
  • When you close your browser or the app the session ends
  • They’re covered by our Online Security Guarantee

Does my device support WF apps?

Currently, the following devices support the WF app:

  • Android – Android 2.3+
  • Blackberry – OS 4.5+
  • iPad – iOS 5+
  • iPhone – iOS 4.3+
  • Windows Phone – OS 8.0+

How do I know I am downloading a legitimate app?

To ensure the safety of your personal and account information, download mobile apps from reputable sources only. When downloading a Wells Fargo app for your mobile device, ensure that Wells Fargo Bank is listed as the app publisher or seller.

If you have suspicions about the authenticity of a mobile banking app, bookmark and visit wf.com, our optimized mobile website.

For more info on how to keep your accounts safe, visit our Fraud Information Center.

Mobile Deposit

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 on supported Apple, Android, and Windows Phone 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.

We use advanced encryption and security technology:

  • Online banking credentials are not stored on your mobile device.
  • Check images 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 app by selecting Sign Off. See more mobile banking security tips.

Who’s eligible to use the Mobile Deposit service?

Wells Fargo Online and Wells Fargo Business Online® customers who are at least 18 years of age, maintain an eligible checking or savings account, and who have accepted the Mobile Deposit Terms and Conditions are eligible to use Mobile Deposit. Enrollment is subject to availability.

How do I get Mobile Deposit?

Mobile Deposit is available in the Wells Fargo Mobile app on Android devices (2.3+), iPhones (iOS 4.3+), iPads with a camera (iPad 2+) running iOS 5+, and Windows Phone 8.0+.

  • Download —Visit the app store for your mobile device and search for Wells Fargo Mobile, or visit wf.com on your mobile browser and select Get the app.
  • Update — If you already have our app, update it with the most recent version.

How does Mobile Deposit work?

It’s secure 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 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 online banking secure mailbox.

Deposit limits

Each check is considered a separate deposit. You can make multiple 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. For more information, take the mobile deposit tour.

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 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, 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.

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

Mobile deposited funds are available on the next business day after the day of your deposit, 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 in mobile or online banking.

For deposits made
Funds are generally available
Before 6 pm Pacific Time business days On the next day after the day of your deposit
After 6 pm Pacific Time business days On the 2nd business day after the day of your deposit
Non-business days
On the 2nd business day after the day of your deposit

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 holidays.

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 will be applied 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 in the confirmation 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.

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