Mobile Deposit Questions

Top questions

How does mobile deposit work?

It’s convenient and easy to use.

Sign on to the Wells Fargo Mobile^® app, then follow these simple steps:

1. Select Deposit in the bottom bar.
2. Choose the account you want to use for your deposit.
3. Enter the amount of your check.
4. Sign the back of your check and write “For Mobile Deposit at Wells Fargo Only” below your signature (or if available, check the box that reads: “Check here if mobile deposit”).
5. Take a photo of the front and back of your endorsed check with your mobile device. For photos that work best, follow these guidelines:
   a. Place your check on a dark-colored, plain surface that’s well lit.
   b. Position your camera directly over the check (not angled).
   c. Fit all 4 corners in the guides of your mobile device’s camera screen.
6. 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.

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.

What types of checks can I deposit?

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

The following are not eligible for Mobile Deposit: 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), non-American Express traveler’s checks, cash, checks that are illegible or contain MICR data that is not machine-readable, and duplicate checks.

When is my money available?

If you deposit on a business day before 9 pm PT, your money will generally be available the next day. If you deposit after 9 pm PT or on a weekend or holiday, we'll process the deposit on the next business day and your money will generally be available the day after that.

For example, a mobile deposit made:

Before 9 pm PT

• On Monday is generally available Tuesday
• On Friday is generally available Saturday

After 9 pm PT

• On Monday is generally available Wednesday
• On Friday is generally available Tuesday

Weekends

• On Saturday or Sunday is generally available Tuesday

Some checks can take longer to process, so we may need to hold some or all of the deposit for a little longer. We’ll let you know if we need to hold a deposit and include details about when to expect your money.

Status in Account Activity

You can view the status of your deposit in the Account Activity for the appropriate account.

You will know that your deposit amount is available when the amount appears in your available balance.

Hold notifications

When a hold is applied on any portion of your deposit, you will receive a notification that provides details on the amount held and when it will be available.

A deposit is held when 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

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 when you select a Deposit to account and on the Enter Amount screen.

How should I endorse my check?

Before you take your check photos:

1. Sign the back of your check with dark blue or black ink.
2. Write "For Mobile Deposit at Wells Fargo Only" below your signature. (Or if available, check the box that reads: "Check here if mobile deposit".)

If another person is authorized to sign checks for you or use your bank account, they’ll need to sign your name on the check and endorse it as instructed in step 2.

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.

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 are eligible to use mobile deposit.

How do I get mobile deposit?

Mobile deposit is available through the Wells Fargo Mobile app. If you already have our app, update it with the most recent version. Please refer to Supported Browsers for operating system requirements.

How do I download the Wells Fargo Mobile^® app?

The Wells Fargo Mobile^® app is available for Apple^® and Android^TM devices. Download the Wells Fargo Mobile app on the App Store^SM and on Google Play^TM.

Are there deposit cutoff times?

Deposits made	Funds are typically available
Before 9 pm Pacific Time business days	On the next day after 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

Business days are Monday - Friday, except federal holidays.

The deposit credit date is provided on the confirmation screen and in your email confirmation.

Some checks can take longer to process, so we may need to hold some or all of the deposit for a little longer. We'll let you know if we need to hold a deposit and include details about when to expect your money.

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 selected account my default box, then select Save.

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

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 notice to your primary address by U.S. mail.

What should I do with my check after my deposit?

After completing your mobile deposit:

1. Write "Mobile deposit" and the date on the front of your check.
2. Store it in a safe place for 5 days, and then destroy it. Five days is enough time in case the original check is required for any reason.

I have limited vision. How do I take a picture of my check?

1. Place your check on a flat, dark surface in a well-lit room. 
2. Put your phone directly over the check, then raise the phone about a hand’s width over the check. 
3. Hold the phone steady. You’ll be presented with real-time tips to help you along the way. 
4. We’ll take the photo for you. Or, tap the camera button to take the photo at any time. You’ll get a confirmation after you’ve taken the photo. 

If you have other questions about how to take photos of your check, contact our ADA comment line.

Is there a fee?

For most customers, there’s no fee to use Mobile Deposit. Your mobile carrier's message and data rates may apply.

Some customers with analyzed business accounts may be charged a transaction fee or another fee for mobile deposits. Refer to the account fee disclosures for more information.

I’m having technical issues with the Wells Fargo mobile app. What are the common troubleshooting tips?

To ensure the best overall device and app performance, make sure that you’re always:

• Using the latest available operating system (OS) for your phone or tablet. Check for any software updates in Settings.
• Using the latest version of the Wells Fargo app. Updates or new versions can be downloaded from your device’s app store.
• Connected to a strong Wi-Fi or cellular signal. This ensures you can complete most tasks in the app without interruptions or data loss.

If you’re having issues with device memory, close any apps running in the background for better performance.

• For iPhone/iPad: Double-click the Home button and swipe up to close any open apps. For iPhones or iPads with Face ID, simply swipe up from the bottom of the screen.
• For Android: Select Recent Apps, near the Home button, and close other open apps.

If you receive a general error, Android users can try clearing the cache.

• Go to your device’s Settings menu, select App Manager and then the Wells Fargo app. Tap Clear cache, then restart your device.

If your have a technical issue and none of the above works, you can also try:

• Rebooting by powering off your device, then restarting it.
• Uninstalling the Wells Fargo app, then rebooting your device. After it restarts, simply reinstall the app.