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. Show
How Long Does Wells Fargo Mobile Deposit Take?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 DepositsAs 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:
A Better Way to Bank 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 DelayedWells 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. A Better Way to Bank Check Out Our Free Newsletters!Every day, get fresh ideas on how to save and make money and achieve your financial goals. Subscribe Now TransfersThe 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 into your Wells Fargo account from an account at another financial institution take three business days to become available. Wells Fargo Mobile Deposit LimitsWells 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. Wells Fargo Mobile Deposit FeesWells Fargo doesn’t charge fees for using mobile deposit. Check with your wireless carrier to find out if it charges message or data fees. A Better Way to Bank 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.
How To Deposit Checks With Wells Fargo Mobile DepositDepositing 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:
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 DepositWells Fargo mobile deposit is a convenient feature of the mobile app. But there’s still room for improvement. Benefits
Drawbacks
Final TakeWells 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. Julia Gordon also contributed to the reporting for this article. Information is accurate as of Nov. 29, 2022. 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. Share This Article: By Daria UhligNovember 29, 2022Related Articles
A Better Way to Bank About the AuthorDaria UhligDaria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. Her work has been featured on The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and USA Today. Daria studied journalism at the County College of Morris and earned a degree in communications at Centenary University, both in New Jersey. Does Wells Fargo accept money order deposit?The following are not eligible for Mobile Deposit: international checks, U.S. savings bonds, U.S. postal money orders, remotely created checks (whether in paper form or electronically created), convenience checks (checks drawn against a line of credit), non-American Express traveler's checks, cash, checks that are ...
Does Wells Fargo deposit checks immediately?Most of the time, when you deposit a check, a portion of the funds is made available to your account on the same day, with the remainder becoming available on the next business day. 1 Sometimes there are circumstances that cause a check deposit to be placed on a temporary hold of up to seven business days.
How long do money orders take to clear mobile deposit?The time it takes for money orders to clear will be similar to that of cashier's checks -- so one business day.
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How long does it take Wells Fargo to deposit a money order?
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