Wells Fargo Mobile Deposit Limits: How They Work and How To Increase Yours
Written by
Daria Uhlig
Edited by
Nupur Gambhir, CFHC™
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
Wells Fargo mobile deposit lets you deposit checks directly from your phone in just a few minutes, completely free. Available through the Wells Fargo Mobile App, the feature works for personal, business, and government checks and delivers next-day funds availability for most deposits made before the cutoff time.
Deposit limits vary by account, not all accounts are eligible, and the timing of your deposit affects when your money will be available.
What Is the Wells Fargo Mobile Deposit Limit?
Wells Fargo sets both daily and monthly limits on mobile check deposits. Your specific limit depends on your account type and history — factors like overdrafts or returned checks can lower your limit, while a strong account history can work in your favor.
To find your current limit, open the Wells Fargo app, select a “Deposit to” account, and check the “Enter Amount” screen.
How to Increase Your Wells Fargo Mobile Deposit Limit
If your current limit isn’t working for you, there are two ways to get it raised.
- Call customer service: Contact Wells Fargo at 800-869-3557 and request a higher limit. Your chances are better if you have a positive account history and have been a customer for some time.
- Upgrade your account: If your request is denied, consider opening a Prime or Premier Checking account. These accounts come with relationship banking perks that can include higher mobile deposit limits — though they do require higher linked balances to waive the monthly maintenance fee. Ask specifically about mobile deposit limits before opening.
When Will My Deposited Funds Be Available?
For most deposits made before the cutoff time on a business day, funds are available the next business day.
Check Deposit Availability
If you deposit a check before 9 p.m. on Thursday and funds will be available Friday. Deposit after 9 p.m. on Friday and funds will be available Tuesday. Here’s how it works:
| When You Deposit | When Funds Are Available |
|---|---|
| Before 9 p.m. PT on a business day | Next business day |
| After 9 p.m. PT on a business day | Business day after Wells Fargo credits your account |
| Saturday or Sunday | Following Tuesday |
| Federal holiday (e.g. Monday) | Wednesday |
Transfer Availability
| Transfer Type | Availability |
|---|---|
| Between Wells Fargo accounts (before 8 p.m. PT) | Immediately |
| Between Wells Fargo accounts (after 8 p.m. PT) | Applied overnight, shows as pending |
| From another financial institution | 3 business days |
When Funds May Be Delayed
Wells Fargo may place a hold on some or all of a deposit if the check can’t be processed immediately. If this happens, you’ll receive a notification with the expected availability date and the option to cancel the deposit.
How to Deposit a Check With Wells Fargo Mobile Deposit
You’ll need a smartphone or tablet with a camera and the Wells Fargo Mobile App, available on the Apple App Store and Google Play to deposit your check over mobile.
- Step 1: Prepare your check Detach it from any stub or attached paper, then endorse the back with your signature and write “For Mobile Deposit at Wells Fargo Bank Only” beneath it. Place the check flat on a dark, well-lit surface.
- Step 2: Open the app and select “Deposit Checks” Choose the account you want to deposit into and enter the check amount.
- Step 3: photograph the check Take a clear photo of both the front and back. Make sure the entire check is visible and in focus before submitting.
- Step 4: Review and confirm Double-check the amount and account details, then submit your deposit.
- Step 5: After your deposit Write “mobile deposit” and the date on the front of the check. Hold onto it for five days, then you can safely destroy it.
Benefits and Drawbacks of Wells Fargo Mobile Deposit
| Feature | Details |
|---|---|
| ✅ Fast | Takes just a few minutes |
| ✅ Free | No charge to use |
| ✅ Convenient | Deposit from anywhere, anytime |
| ✅ Next-day funds | For most deposits before cutoff |
| ❌ Deposit limits | Daily and monthly caps apply |
| ❌ Check types | Personal, business, and government checks only |
| ❌ Account eligibility | Checking and savings accounts only |
Is Wells Fargo Mobile Deposit Worth Using?
Wells Fargo mobile deposit is a fast, free, and secure way to deposit checks without setting foot in a branch. As long as you know your limits, understand the cutoff times, and follow the endorsement steps correctly, it’s one of the more straightforward features in the Wells Fargo app.
If you regularly deposit large checks and find yourself bumping up against the limit, it’s worth calling customer service or exploring an account upgrade to get more flexibility.
FAQ
- What is the Wells Fargo mobile deposit limit for personal accounts?
- Wells Fargo mobile deposit limits vary depending on account type and history. You can see your limit when you begin the mobile deposit process, when you select a "Deposit to" account and on the "Enter Amount" screen.
- How do I increase my Wells Fargo mobile deposit limit?
- In general, maintaining a good account history (no overdrafts, no returned checks, regular deposits, etc.) can help establish trust between yourself and the bank. If your mobile deposit limit is lower than you'd like, you can call Wells Fargo customer service and ask for an increase -- which the bank will be more likely to grant with a positive account history. You can also open a Prime or Premier Checking account, which require higher balances to avoid monthly fees, but come with relationship banking perks that likely include higher mobile deposit limits.
- What is the Wells Fargo business account mobile deposit limit?
- Wells Fargo mobile deposit limits vary depending on multiple factors, so yours may not be the same as other business account customers. You can start the mobile deposit process on the app to view your limit.
- When will my Wells Fargo mobile deposit be available?
- If you make the mobile deposit before 9 p.m. PT on a business day, usually the money will be available in your account the next day. If you make the deposit after 9 p.m., or on a weekend or holiday, it'll be processed on the next business day and the money will be available the day after that. (So if you make a mobile deposit on a Sunday, it won't be processed until Monday and your money should be available on Tuesday.)
- Can I deposit large checks using Wells Fargo mobile deposit?
- You can deposit a large check as long as it's under your mobile deposit limit. You'll have to check your account to see your specific limit.
More About Wells Fargo
- Wells Fargo Bank Review
- Wells Fargo Hours and Holiday Schedule
- Wells Fargo Customer Service Guide
- Wells Fargo Drive-Thru Near Me
- How To Avoid Wells Fargo’s Monthly Service Fees
Julia Gordon also contributed to the reporting for this article.
