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Account Activity

Manage your money online

Need up-to-date information on your accounts? Done.

Quick access to your money


Stay in the know

With a few quick clicks, you can:

  • Search up to 18 months of transaction history.
  • Know your available balance and pending transactions.


Information, fast

You can quickly:

  • Sort your transactions by deposits, checks, or withdrawals.
  • Set up or modify alerts.


At your fingertips

Locate your account or routing number, or view the front and back of your check images.


You’re in control

Manage your money from your desktop computer, smartphone, or tablet, with easy access to download your transactions.

Access features quickly:

  • Sign on to view account activity.
  • Simply select your account to view activity.
  • From Account Summary, click the vertical dots next to your available balance to transfer money, pay bills, or view statements.

Frequently asked questions

What is my available balance?

Your available balance is the most current record we have about the funds that are available for withdrawal from your account. Your available balance includes:

  • All deposits that are immediately available and withdrawals that have posted to your account. It is adjusted throughout the day as we authorize or receive notice of pending transactions. Some pending deposits, such as incoming wire transfers, electronic direct deposits, and cash deposited at a Wells Fargo branch or Wells Fargo ATM, are available for your use on the day we receive the deposit.
  • A portion or all of your check deposits made at a Wells Fargo branch or Wells Fargo ATM may be immediately available for your use on the day we receive the deposit. If funds are not available on the day of deposit, refer to your deposit receipt for the funds availability date. Funds not available on the day of the deposit will typically be available the next business day, unless a longer hold is placed on the deposit. Refer to the Funds Availability Policy in the Account Agreement for detailed funds availability information.
  • Pending withdrawals, including debit card transactions we authorize and checks/authorized payments known to us, reduce your available balance.

Transcript: Making Sense of Available Balance

It’s a typical day.

You’re shopping for groceries, buying gas, getting things done.

As you make purchases with your debit card and withdraw cash from the ATM, it’s important to be aware of the available balance in your checking account.

This is the money you currently have available to cover purchases or to withdraw. This balance can change throughout the day as we authorize or receive notice of pending transactions. And your available balance is used to determine if you have enough to cover your next purchase or withdrawal.

You can find your available balance by using Wells Fargo Online® or the Wells Fargo Mobile® app, or at the ATM.

Note that your available balance only includes the transactions that Wells Fargo knows about, so it’s important to keep track of anything that’s pending or hasn’t posted to your account yet.

These can be:

Checks you’ve written that haven’t been cashed or deposited yet.

Monthly memberships, streaming video services, and other scheduled direct withdrawals that are paid automatically from your account.

And even the tip on a meal. For example, if you use your debit card to pay for take-out at a restaurant, the tip may be added a day or two later.

Now that you understand what available balance means, here are some tips to help you stay in the know.

Get into the habit of using your account’s tools — Wells Fargo Online® and our mobile app — to help track when money comes in and out.

You can also set up alerts to know when your available balance is at or below an amount you specify.

Set your calendar reminders a few days ahead of automatic payments so you can make sure you have enough money in your account.

Keep track of outstanding checks that you have written.

And if you see where you might come up short, you can quickly transfer money between Wells Fargo accounts.

Smart, simple strategies like these can help you stay on top of your money.

© 2020 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

Available balance is the most current record we have about the funds that are available for your use or withdrawal. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to the bank. This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant.

Sign up may be required for alert notifications, and availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates apply.

Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means); our fee for returning items for non-sufficient funds is $35 per item. We charge no more than three overdraft and/or non-sufficient funds (NSF) fees per business day for Consumer accounts and eight per business day for Business accounts. Overdraft and/or non-sufficient funds (NSF) fees are not applicable to Clear Access Banking℠ accounts. The overdraft and/or non-sufficient funds (NSF) fee for Wells Fargo Teen Checking℠ accounts is $15 per item and we will charge no more than two fees per business day.

The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

Why are my available and posted balances different?

Your available balance is the most current record we have about the funds that are available for withdrawal from your account.

It includes all deposits and withdrawals that have been posted to your account and it is adjusted throughout the day as we authorize or receive notice of pending transactions.

Your posted balance is your account balance at the end of the previous business day. A business day is generally Monday through Friday, except federal holidays. The ending balance does not include any pending transactions that have occurred since the close of the previous business day.

Why was a hold placed on my deposit?

In some cases it may be necessary to place a hold on your deposit. The first $225 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).

Account activity FAQs

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