Wells Fargo Mobile Deposit Limits: How They Work and How To Increase Yours
Written by
Daria Uhlig
Edited by
Levi Leidy
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Wells Fargo mobile deposit gives you a fast and secure way to add funds to your deposit accounts using the camera on your phone or another mobile device. In most cases, the deposited funds are available to you the day after the deposit is credited. However, not all accounts are eligible for mobile deposits, and there are limits on how much money can be deposited this way.
What Is the Wells Fargo Mobile Deposit Limit?
Wells Fargo imposes daily and monthly limits on the total dollar amount of check deposits you can make via mobile deposit. You can find your deposit limits when you select a “Deposit to” account and then on the “Enter Amount” screen. These amount vary depending on your account and also potentially your account history (if you have a history of overdrafts or returned checks, for example, your mobile deposit limit may go down).
How To Increase Your Wells Fargo Mobile Deposit Limit
If you’d like to increase your mobile deposit limit, you can call Wells Fargo customer service at 800-869-3557 and ask them to up it. The bank will be more likely to do so if you have a positive account history, meaning you’re not a new customer and you’ve been responsible with your account.
If your request is denied or you’re still not happy with your limit, you can consider opening a Prime or Premier Checking account, if you don’t already have one. These accounts require higher linked balances to avoid monthly maintenance fees, but they come with relationship banking perks that could include higher mobile deposit limits (make sure to ask before you open the account, if this is an important feature to you).
Wells Fargo Mobile Deposit Funds Availability
The length of time before you can access your deposited Wells Fargo funds depends on the type of deposit and whether Wells Fargo places a hold on the money.
Check Deposits
As long as you deposit a check by the cut-off time on a business day, deposited funds usually are available to you the day after Wells Fargo accepts the deposit. Here’s how the cut-off times work:
- Deposits made before 9 p.m. PT on business days are available the next business day.
- Deposits made after 9 p.m. PT on business days are available the business day after the date Wells Fargo credits your account.
- Deposits made on Saturdays, Sundays and bank holidays are available the day after the date Wells Fargo credits your account.
Say, for example, you deposit a check before 9 p.m. on a Thursday. Your funds will be available on Friday.
If you deposit after 9 p.m. on a Friday, your funds will be available the following Tuesday.
Deposits made on a Saturday or Sunday also will be available the following Tuesday. Deposits made on a federal holiday will reach your account on the day after your account is credited. If the holiday falls on a Monday, for example, your money will be available on Wednesday.
When Funds May Be Delayed
Wells Fargo will hold some or all of the funds if the deposited check can’t be processed right away. In that event, you’ll see a notification letting you know when the funds will be available and giving you the option of canceling the deposit.
Once the funds are ready for you to access, you’ll see the deposit reflected in your available balance.
Transfers
The Wells Fargo mobile app lets you transfer funds between Wells Fargo accounts or between a Wells Fargo account and one at another financial institution.
- Funds transferred between Wells Fargo accounts are available immediately as long as the transaction is made by 8 p.m. PT on a business day.
- For transfers after 8 p.m., Wells Fargo will use the funds to pay transactions during its overnight processing even though the transfer will show as “pending” in your account information.
Funds transferred into your Wells Fargo account from an account at another financial institution take three business days to become available.
How Does Wells Fargo Mobile Deposit Work?
You make mobile deposits using the Wells Fargo Mobile App, which is available from Google Play and Apple’s App Store.
Good To Know
You can deposit most types of checks right into your checking account or savings account using Wells Fargo mobile deposit. Eligible check types include personal, business and most government checks.
How To Deposit Checks Using Wells Fargo Mobile Deposit
Depositing checks requires a smartphone or tablet with a camera. Before you start, detach the check from any stub or other paper, and endorse it by signing the back and writing “For Mobile Deposit at Wells Fargo Bank Only” beneath your signature. Then position the check so it lies flat on a dark-colored, adequately lit surface. Here’s what to do next:
Step-by-Step Guide for Wells Fargo Mobile Deposits
- Log into your account using the mobile app.
- Select “Deposit Checks.”
- From the “Deposit” dropdown menu, select the account where you want the deposit to go. You can designate a default account for future mobile deposits.
- Enter the amount written on the check. Your remaining daily and monthly mobile deposit allotments will be displayed beneath the deposit amount.
- Photograph the front and back of the check using the camera button on your device. Be sure the corners of the check fit inside the guides.
- Review the deposit information to verify that it’s correct, and then tap “Deposit.”
After the deposit is complete, Wells Fargo suggests that you write “mobile deposit” and the deposit date on the front of the check. You may destroy the check after five days.
Benefits and Drawbacks of Wells Fargo Mobile Deposit
Wells Fargo mobile deposit is a convenient feature of the mobile app. But there’s still room for improvement.
Benefits
- Takes just a few minutes to deposit a check
- No charge for using mobile deposit
- Next-day availability for most deposits made before the cut-off time
Drawbacks
- Daily and monthly limits on mobile deposits
- Can only be used for personal, business and government checks
- Account eligibility limited to checking and savings accounts
Conclusion
Wells Fargo mobile deposit provides a fast, free and secure way to deposit checks. Considering the number of other useful features in the app, you’re likely to find that mobile banking makes sense not just for deposits, but for overall account management as well.
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?
- Again, 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.
