Opting to use direct deposit instead of requesting a paper check has advantages such as convenience, security and reliability. It’s also popular. Almost 93% of Americans receive their paychecks by direct deposit.
Wells Fargo customers can also take advantage of this payment method. Discover how to set up Wells Fargo direct deposit to better manage your finances.
How To Set Up Direct Deposit With Wells Fargo
Use the steps below to step up your direct deposit with Wells Fargo.
Step 1: Gather Necessary Information
Start by gathering up your bank account details. You’ll need both your routing number and account number to move forward with direct deposit.
Here’s where to look for your Wells Fargo routing and account numbers:
- Wells Fargo online banking or app. Log into your Wells Fargo account to find your account details.
- In the mobile app or online, tap or click your account.
- Then, tap or click “Account & Routing Numbers” at the top of the screen to view your full account number and the routing number for direct deposits.
- Use a physical check. If you have a physical check available, look at the string of numbers beginning at the bottom left of the check to find your routing and account number. Your account number will be after your routing number.
- Contact customer service. If you are struggling to get the information you need, reach out to Wells Fargo’s customer service team at 1-800-869-3557. A representative should be able to help you track down your account details. However, they cannot give you your account number over the phone.
Step 2: Complete the Wells Fargo Direct Deposit Form
You can use the pre-filled Wells Fargo direct deposit form. To get one, sign in to your Wells Fargo account and select the account you want the direct deposits to go.
With this method, Wells Fargo will automatically enter your account number, routing number and account type in the appropriate fields on the form.
Step 3: Submit Your Form To Your Employer or Payment Provider
Once you complete the form, print out the completed form and give it to your payroll department or HR representative. You might have to fill out a separate direct deposit form for the organization’s records or provide a Wells Fargo voided check to process your request.
How To Find the Wells Fargo Direct Deposit Form
Several options exist to obtain a Wells Fargo direct deposit form. You can stop by a Wells Fargo bank branch and request one, or you can find one online or in the mobile app.
How To Find the Wells Fargo Direct Deposit Online
Download the blank Direct Deposit/Automatic Payment Information Form from the Wells Fargo website. Manually write in your name, account number and routing number and select the account type.
How To Find the Wells Fargo Direct Deposit in the Mobile App
To find the Wells Fargo direct deposit form in the bank’s mobile app, follow these steps:
- Log in to the Wells Fargo mobile app.
- Open the menu by tapping the “Menu” at the right bottom of your phone screen.
- Tap “Account Services” and then tap “Direct Deposit.”
- Choose whether to prefill your direct deposit form or download a blank one.
- To download a blank form, tap the “Direct Deposit Information Form” link.
- If you choose to prefill it, tap the “Let’s get started” button.
- Select the account you want to receive the direct deposit and tap the “Continue” button.
- Tap the “Create Form” button, and Wells Fargo will create a pre-filled form for you on a new page, which you can download or print out.
How To Get a Voided Check From Wells Fargo
Many employers will request a voided check when setting up direct deposit. This is to ensure that the money owed to you will be deposited in the correct account at the correct financial institution.
Here’s how to get a Wells Fargo voided check:
- Remove a check from your Wells Fargo checkbook.
- Write “VOID” across the check in large letters in blue or black ink.
- Alternatively, you can write “Void” in the amount box and on the date, payee, amount and signature lines.
When Does Wells Fargo Direct Deposit Hit?
According to Wells Fargo, it may take one to two pay cycles before a direct deposit request takes effect. However, your direct deposit will hit your account on the same day that it is received by the bank.
You can sign up for automatic alerts, which will notify you when a direct deposit arrives in your account. Wells Fargo also offers Early Pay Day for eligible deposits, which makes direct deposits available up to two days earlier than the scheduled pay date.
Common Issues and Troubleshooting for Wells Fargo Direct Deposit
As you set up your direct deposit, avoid the following mistakes:
- Providing incorrect account information. If you send your employer the wrong account number, the funds could end up in the wrong account.
- Missing submission deadlines. Some employers have a particular window during which they accept direct deposit information. Generally, you can set up your direct deposit shortly after you are hired. Beyond that, you might only be able to make changes once per year.
- Not confirming with your payer. After you submit your direct deposit information, it’s important to follow up with the payment organization until you receive the funds. After your first direct deposit hits your account, you can expect smooth sailing.
If you run into issues with your Wells Fargo direct deposit, try the following solutions:
- When your payment doesn’t arrive. If your payment doesn’t arrive as scheduled, reach out to the payment organization. In some cases, they might have had a delay on their end in processing your direct deposit information. Ask if you can do anything to accelerate the timeline.
- Incorrect account information. If you made a mistake on your direct deposit forms, your funds could be sent to the wrong account. Reach out to the payment organization as soon as possible to correct the direct deposit information.
- Get in touch with Wells Fargo. If you aren’t sure what’s gone wrong, reach out to Wells Fargo for support at 1-800-869-3557. The customer service team might be able to help you identify the issue and fix it.
The Bottom Line
If you have a Wells Fargo bank account, you can set up direct deposits. Essentially, you’ll need to provide your Wells Fargo routing number and bank account number to the payment organization in order to start receiving your payments via direct deposit. Once the ball is rolling, you’ll enjoy more seamless money management.
FAQ
Here are answers to some commonly asked questions about direct deposits with Wells Fargo.- How long does it take to set up direct deposit with Wells Fargo?
- According to Wells Fargo, it may take one to two pay cycles for direct deposit to take effect.
- Can I set up direct deposit with Wells Fargo if I don't have checks?
- Wells Fargo doesn't require you to have a check to set up direct deposit -- only an account number. However, check with your employer to see if it requires you to provide a check as part of its direct deposit enrollment procedure.
- Is it safe to use direct deposit for all types of payments?
- Yes, direct deposit is one of the safest forms of payment transfers because payments cannot be lost or stolen. They can be misdirected, however, if the wrong account and routing numbers are given when setting up direct deposit.
More About Wells Fargo
- Wells Fargo Review
- Wells Fargo CD Rates
- Wells Fargo Savings Account Interest Rates
- Wells Fargo Hours
- Wells Fargo ATM Limits
Sarah Sharkey and Cynthia Measom contributed to the reporting of this article.
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.
This article has been updated with additional reporting since its original publication.