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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 Bank 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.

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 typically 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 typically be available the day after that.

For example, a mobile deposit made:

Before 9 pm PT

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

After 9 pm PT

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

Weekends

  • On Saturday or Sunday is typically 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
  2. Write "For Mobile Deposit at Wells Fargo Bank Only" below your signature. (Or if available, check the box that reads: "Check here if 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.

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 AndroidTM devices. Download the Wells Fargo Mobile app on the App Store and on Google Play.

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 this account my default box.

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 alert 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.

Is there a fee?

There is currently no fee to use Mobile Deposit. Your mobile carrier's message and data rates may apply.

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 verify your settings with the Wells Fargo Mobile app:

  1. Tap on Settings.
  2. Tap Privacy.
  3. Tap Camera.
    Make sure the camera is set to ON.
  4. Tap Wells Fargo.

Why do I not see the Deposit Checks option on my AndroidTM 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 to see if any Android permissions are interfering with mobile deposit. Both camera and photo permissions are necessary to use this feature.

  1. Tap on Settings.
  2. Tap on Apps.
  3. Tap on Disabled.
  4. Locate the Camera and enable it from there.