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Tax Documents Questions

Will I receive any tax documents from Wells Fargo?

If your accounts meet the criteria for reporting, you will receive the appropriate tax documents from us. The Internal Revenue Service (IRS) requires us to report certain information regarding the amount of interest, dividend or miscellaneous income, or gross proceeds from sales our customers receive from us, as well as certain mortgage interest our customers pay to us. We use specific forms, such as IRS Forms 1099 and 1098, to annually report income and interest paid. You may have the option to set your delivery preferences for how you would like to receive your tax documents depending on the types of accounts you have. Sign on to Wells Fargo Online®. Select Accounts and Settings from the More menu, then Statements and Documents and choose Manage Delivery Preferences.

When will I receive my tax documents in the mail?

Wells Fargo generally mails original tax documents no later than January 31, or by the IRS deadline of February 15 for Brokerage accounts. Depending on the postal service delivery, you can usually expect to receive your tax documents by the third week of February or by the end of February for Brokerage accounts. If you don’t receive your tax documents by then, please call us at 1-800-TO-WELLS (1-800-869-3557) or 1-866-281-7436 for Brokerage customers.

I am missing my 1099-INT, 1099-DIV, or 1099-R.  Where can I look to determine if I will be receiving one this year?

You can view your last statement/s of the year to determine if you have earned more than $10.00 in interest, dividends, or distribution/s from retirement accounts.  You will not receive a 1099 form if the amount is less than $10.00.

Why does my Form 1099 include interest from multiple accounts?

If your deposit accounts have the same primary Taxpayer Identification Number (TIN) and 5-digit ZIP code (from the statement address on file for each account), we will report the interest collectively on a combined Form 1099.

If you'd like to receive separate Form 1099 documents in the future, you can call us at 1-800-TO-WELLS (1-800-869-3557) to make your request. For business accounts, call 1-800-225-5935.

Why is the interest on my Form 1098 more this year than it was last year?

There are many reasons this can happen, including the possibility that your mortgage has an adjustable rate and the rate increased.

Why is there a difference between the interest I paid and the interest you reported to the IRS?

There are several possible reasons for the difference between these amounts:

  • Your interest payments may have included fees that may be reportable as interest.
  • If you paid any interest early, we report it in the year it’s actually due.

Why does tax-exempt interest appear on my Form 1099?

The tax law requires us to report this information on Form 1099. The interest may not be taxable but is required to be reported on your tax return and may affect other items, such as taxation of your Social Security benefits. In some situations, the interest may also be taxable at the state level.

Why does cost basis and holding period information appear on Form 1099 for stock sales?

IRS rules require us to report cost basis and holding period for some but not all sales of stocks and other securities. Beginning with the 2012 tax year, these rules apply to mutual fund shares as well.

Why did I receive Form 1099-SA?

The IRS requires Wells Fargo to issue Form 1099-SA if you took a distribution from your Wells Fargo Health Savings Account (HSA) during the previous tax year.

Why did I receive Form 5498-SA?

The IRS requires Wells Fargo to issue Form 5498-SA to report the Fair Market Value of your Wells Fargo Health Savings Account (HSA) and any contributions made during the previous tax year or through the deadline for filing the federal income tax return. The information on the 5498-SA has been submitted to the IRS. You’re receiving this form for your records only.

Why did I receive an IRS form 1099R?

IRS Form 1099R reports a taxpayer's distributions, including rollovers and Roth IRA conversions, from pensions, annuities, IRAs, insurance contracts, profit sharing plans and other retirement plans.

You may receive more than one IRS form 1099-R, because distribution information on each form is limited to one account and one distribution code.

How are my IRA contributions being reported to the IRS?

Your contribution will be reported on IRS form 5498.

How do I determine how much of my IRA distributions are taxable? What if I make non-deductible IRA contributions?

You must complete IRS form 8606 (Nondeductible IRAs) to determine how much of your distribution is taxable.  IRS form 8606 is also used to report nondeductible contributions or after-tax amounts rolled over from an employer sponsored retirement plan to a Traditional IRA.

Where can I learn more about taxes and retirement accounts?

The retirement section of Wells Fargo Online® offers an informational page linking to tax-related retirement articles, from basic questions to discussions of special circumstances.

Who can I contact with questions about my Wells Fargo tax documents?

  • Checking, Savings, or CD (Time Account): 1-800-TO-WELLS (1-800-869-3557)
  • Portfolio by Wells Fargo®: 1-800-742-4932
  • Destination® IRA (Retirement CDs and savings accounts eligible for FDIC insurance): 1-800-BEST-IRA

    (1-800-237-8472)

  • Health Savings Account (HSA): 1-866-940-0987
  • Mortgage: 1-800-357-6675
  • Home Equity: 1-866-820-9199
  • Student Loan: 1-800-658-3567
  • Small Business: 1-800-225-5935
  • WellsTrade®: 1-800-TRADERS (1-800-872-3377)
  • Wells Fargo Advisors Full Service Brokerage Accounts: Contact your Financial Advisor or call 1-866-281-7436

Online Tax Documents

Can I view my earned interest somewhere else?

Yes, you can view your last statement of the year to determine if you have earned more than $10.00 in earned interest.

I am the joint owner on the account, how can I obtain a copy of the tax document?

If you are the secondary signer or joint account owner, you can contact 1-800-TO-WELLS (1-800-869-3557) 24 hours a day for a duplicate copy. If you are co-borrower on a mortgage or home equity loan or line of credit, sign on to Wells Fargo Online® select Accounts and Settings from the More menu, then Statements & Documents, and choose Tax Documents.

Can I view my tax documents online?

Yes, as long as you are the primary owner of the account, you can view electronic copies of your tax documents through Wells Fargo Online at your convenience. For security reasons, tax documents are available for online viewing only by the owner of the Taxpayer Identification Number (TIN) associated with the IRS reporting. (However, co-borrowers have online access to mortgage and home equity tax documents beginning with the 2015 tax year.) 

  • Checking, savings, brokerage, mortgage, home equity, student loans, and trust accounts: Sign on to Wells Fargo Online®. Select Accounts and Settings from the More menu, then Statements and Documents and choose Tax Documents.
  • Brokerage customers:  You may not have access to all of your brokerage tax documents on Wells Fargo Online. Visit Wells Fargo Advisors for access to all of your brokerage tax documents. Select Statements & Docs, then Tax Docs/1099s.

Why can I see only some of the tax documents I am expecting through Wells Fargo Online?

Some tax documents may be available online earlier than others. For example, your mortgage tax document may be available several weeks before your savings account tax document. All applicable IRS-required tax reporting documents will generally be available online on or before January 31 or by mid February for Brokerage accounts.

Is there a fee to view my tax documents through Wells Fargo Online?

No, we do not charge a fee to view your tax documents online.

Will I continue to receive copies of my tax documents in the mail if I view them through Wells Fargo Online?

Yes, you will still receive your paper tax documents in the mail for your account types that remain eligible for either “Mail” or “Online and Mail” as delivery preference options. To update delivery preferences for your tax documents, sign on to Wells Fargo Online®. Select Accounts and Settings from the More menu, then Statements and Documents and choose Manage Delivery Preferences.

I have a joint account; why can't I access our tax document through Wells Fargo Online?

We issue tax documents to the primary account owner. For security reasons, tax documents are available for online viewing only by the owner of the Taxpayer Identification Number (TIN) associated with the IRS reporting. (However, co-borrowers have online access to mortgage and home equity tax documents beginning with the 2015 tax year.) If you are the secondary signer or joint account owner for all other account types, you can contact 1-800-TO-WELLS (1-800-869-3557) 24 hours a day for a duplicate copy.

I have a business account; why can't I access the business tax document through Wells Fargo Online?

We issue tax documents to the primary account owner — in this case, the business. For security reasons, tax documents are available for online viewing only by the owner of the Taxpayer Identification Number (TIN) associated with the IRS reporting.

Is it safe to have my tax documents online?

Yes, your customer and account information are secure. Please review our programs for your online security.

How do I view, save, or print my online tax documents?

You will need Adobe® Reader® software to view, save, or print documents. Download Adobe Reader for free. See the Wells Fargo Online Technical Requirements for more details.

Can I print out my online tax documents and submit them with my taxes?

Yes, your online tax documents can be printed and used as official tax documents that you can submit with your taxes. If you are signed on to Wells Fargo Online® from a computer, you’ll also have the option to combine multiple tax documents in a single file for printing.

How far back can I view my online tax documents?

You can view up to 10 years of your Wells Fargo tax document history through Wells Fargo Online, depending on the types of accounts you have. For tax documents available online, you’ll have less history available if you are not the primary account owner. Please note that we do not produce tax documents if your interest earned or interest paid is less than the amount the IRS requires us to report.

Can I file my personal taxes using your web site?

No, currently Wells Fargo only provides that service for businesses.

Can you provide tax advice?

No. For tax advice, please call your Tax Advisor or the IRS at 1-800-829-1040 (1-800-829-4059 TTY) or visit their website at http://www.irs.gov/faqs.