Wells Fargo ATM Withdrawal and Deposit Limits

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If you bank with Wells Fargo, you have access to over 11,000 ATMs around the country for fee-free withdrawals. However, you can’t make unlimited withdrawals every day. There are Wells Fargo ATM limits you should be aware of. 

This guide will cover everything you need to know about Wells Fargo’s ATM withdrawal and deposit limits. Read on to learn how much you can withdraw, how much you’ll pay in fees and more. 

What Are Wells Fargo ATM Withdrawal and Deposit Limits?

ATM Limits

Wells Fargo ATM withdrawal limits vary for each account holder and type of debit card. Wells Fargo does not publish its ATM withdrawal limits publicly.

Be sure to double check with the bank for your account type. Eligible customers can increase their withdrawal limit by getting in touch with their local branch.

Deposit Limits

For deposits, Wells Fargo does not limit the dollar amount. However, according to the bank’s website, there is a physical limit to the amount of items — checks or cash — that you can deposit at each ATM.

You should see this limit on the screen when you insert your check or cash. Wells Fargo also states that it might decline deposits that exceed $1 million.

How To Find Your Wells Fargo Withdrawal Limit

To find out what your Wells Fargo withdrawal limit is at any given time, call the number on the back of your card or visit a Wells Fargo branch and ask one of the tellers. You can also sign on to Wells Fargo Online and choose “Card Details.” 

Because withdrawal limits are based on your activity, account history and other factors, Wells Fargo might increase your daily withdrawal limit without telling you. Check your withdrawal limit regularly. 

How To Increase Your Wells Fargo ATM Withdrawal and Deposit Limits

If you’re not happy with your Wells Fargo ATM withdrawal limit, you might be able to increase it. Call the number on the back of your debit card or visit your local branch to see if you’re eligible to request a withdrawal limit increase. 

You can also request to decrease your daily withdrawal limit if you would like a lower amount.

What Affects Your Wells Fargo ATM Withdrawal and Deposit Limits?

Several factors may influence your Wells Fargo ATM withdrawal limits, including:

• Account type: Different checking accounts, such as Everyday Checking or Premier Checking, come with different limits.
• Banking history: Long-standing customers with a solid banking relationship may qualify for higher limits.
• ATM location: Withdrawals from non-Wells Fargo ATMs may have lower limits due to third-party restrictions.

How To Withdraw and Deposit More Than the ATM Limits at Wells Fargo

If you’ve maxed out the ATM withdrawal limit on your Wells Fargo debit card, there are other ways to get cash. Here are a few options.

Get Cash Back When You Make a Purchase

When you use your debit card to pay at certain grocery stores and other retailers, you have the option to get cash back. The amount you choose is added to the purchase amount and debited from your Wells Fargo checking account. The amount of cash back you can get depends on the retailer’s limits. Be sure you understand your daily purchase limit as well. 

Withdraw From Another Account

The withdrawal limit is linked to your debit card, so if you have another account with a different debit card, you can withdraw from that one.

Request an Increase

Request an ATM limit increase by calling Wells Fargo or visiting a branch and speaking with a banker. Once your request for an increase is approved, you can withdraw additional funds.

Go Into a Branch and Withdraw

Make a withdrawal in person at a branch. If you want to withdraw an amount greater than your ATM limit, you can go into your local Wells Fargo branch and request it, typically by using one of your own checks.

Wells Fargo ATM Fees and Charges for Exceeding Withdrawal and Deposit Limits

Exceeding daily Wells Fargo ATM withdrawal limits may result in overdraft fees if your account balance becomes negative. There are no specific fees for exceeding deposit limits, but ATMs may restrict the number of times you can deposit per transaction. Repeatedly exceeding these limits can lead to declined transactions.

Tips To Avoid Fees:

• Contact Wells Fargo for a permanent or temporary limit adjustment.
• Get cash back during purchases to avoid ATM limits.
• Withdraw large amounts directly from a bank teller.
• Check your current withdrawal limit through Wells Fargo online or the mobile app.

More About Wells Fargo

• Wells Fargo Review
• Wells Fargo CD Rates
• Wells Fargo Hours
• How To Avoid Wells Fargo Monthly Fees
• Wells Fargo ATM Limits
• Wells Fargo SWIFT Codes
• Wells Fargo Savings Account Interest Rates
• Wells Fargo Bonuses and Promotions

Karen Doyle contributed to the reporting for this article.

Information is accurate as of Feb. 14, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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