How To Set Up Mobile Deposit Wells Fargo

Wells Fargo Mobile Eolith Limits, Fees and Cut-Off Times

Wells Fargo Mobile Deposit Timeline
Mobile Deposit Limits
Mobile Deposit Fees
How Does Mobile Deposit Piece of work
Pros/Cons
Final Take

Wells Fargo mobile eolith gives yous a fast and secure mode to add together funds to your deposit accounts using the camera on your phone or some other mobile device. In most cases, the deposited funds are available to you lot the mean solar day after the deposit is credited. However, non all accounts are eligible for mobile deposits, and there are limits on how much money can be deposited this way.

How Long Does Wells Fargo Mobile Eolith Accept?

The length of time earlier yous 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 equally y'all deposit a check by the cut-off time on a business organization 24-hour interval, deposited funds usually are available to you the day later on Wells Fargo accepts the deposit. Hither'southward how the cut-off times work:

Deposits fabricated earlier nine p.m. PST on business days are available the next business organization day.
Deposits made afterwards nine p.m. PST on business concern days are available the business twenty-four hours subsequently the date Wells Fargo credits your business relationship.
Deposits made on Saturdays, Sundays and bank holidays are available the day after the date Wells Fargo credits your business relationship.

Say, for example, y'all deposit a check before 9 p.m. on a Thursday. Your funds will be bachelor on Friday.

If you deposit later on nine p.k. on a Friday, your funds will be available the post-obit Tuesday.

Deposits made on a Saturday or Dominicus also will exist available the following Tuesday. Deposits made on a federal holiday will accomplish your account on the solar day after your account is credited. If the holiday falls on a Monday, for example, your coin volition be available on Wed.

When Funds May Be Delayed

Wells Fargo will hold some or all of the funds if the deposited check can't exist processed right away. In that event, you'll see a notification letting y'all know when the funds will be available and giving you the choice of canceling the deposit.

One time the funds are gear up for you to access, you'll see the deposit reflected in your bachelor balance.

Transfers

The Wells Fargo mobile app lets yous transfer funds between Wells Fargo accounts or between a Wells Fargo account and 1 at another financial institution.

Funds transferred betwixt Wells Fargo accounts are available immediately equally long equally the transaction is made by 8 p.m. PST on a concern solar day.
For transfers after 8 p.m., Wells Fargo volition use the funds to pay transactions during its overnight processing even though the transfer will evidence as "awaiting" in your business relationship information.

Funds transferred into your Wells Fargo business relationship from an account at another financial institution accept three business organisation days to become available.

Wells Fargo Mobile Eolith Limits

Wells Fargo imposes daily and monthly limits on the total dollar amount of check deposits you lot can make via mobile eolith. The Wells Fargo mobile deposit limit is $ii,500 per day, and $5,000 over a 30-day period.

Wells Fargo Mobile Eolith Fees

Wells Fargo doesn't charge fees for using mobile eolith. Cheque with your wireless carrier to detect out if it charges message or data fees.

How Does Wells Fargo Mobile Deposit Piece of work?

You lot brand mobile deposits using the Wells Fargo Mobile App, which is bachelor from Google Play and Apple tree's App Store.

Good To Know

Y'all tin deposit almost types of checks right into your checking account or savings business relationship using Wells Fargo mobile deposit. Eligible check types include personal, business and most government checks.

How To Deposit Checks With Wells Fargo Mobile Deposit

Depositing checks requires a smartphone or tablet with a photographic camera. Earlier you start, detach the check from whatever stub or other paper, and endorse it by signing the dorsum and writing "For Mobile Deposit at Wells Fargo Bank Only" below your signature. And then position the cheque so it lies flat on a night-colored, adequately lit surface. Hither's what to practise adjacent:

Step-past-Stride Guide for Wells Fargo Mobile Deposits

Log into your account using the mobile app.

Select "Deposit Checks."

From the "Eolith" dropdown menu, select the account where you want the deposit to go. You can designate a default account for future mobile deposits.

Enter the corporeality written on the cheque. Your remaining daily and monthly mobile deposit allotments volition exist displayed beneath the deposit amount.

Photo the forepart and back of the check using the photographic camera button on your device. Be sure the corners of the check fit inside the guides.

Review the eolith information to verify that it'south correct, and then tap "Eolith."

After the eolith is complete, Wells Fargo suggests that you write "mobile deposit" and the deposit engagement on the front of the cheque. You may destroy the bank check after five days.

Benefits and Drawbacks of Wells Fargo Mobile Eolith

Wells Fargo mobile deposit is a convenient characteristic of the mobile app. But there'due south withal room for improvement.

Benefits

Takes just a few minutes to eolith a check
No accuse for using mobile eolith
Next-solar day availability for most deposits fabricated before the cutting-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

Final Thoughts on Wells Fargo Mobile Deposit

Wells Fargo mobile deposit provides a fast, gratis 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.

Data is accurate every bit of Mar. 10, 2022. Julia Gordon also contributed to the reporting for this article.

This content is non provided by Wells Fargo. Whatever opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and accept not been reviewed, approved or otherwise endorsed by Wells Fargo.

Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial feel. Her work has been featured on The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and U.s. Today. Daria studied journalism at the County College of Morris and earned a caste in communications at Centenary University, both in New Jersey.