Wells Fargo Extra Day Grace Period

We’ll give you an extra day to cover overdrafts

Now you’ll have one more day to make deposits to avoid overdraft fees

We understand life happens – get an extra day to add money to your account


No need to enroll

Extra Day Grace Period comes automatically with all personal checking and savings accounts


More time when you need it

You get an extra business day to cover overdrafts and avoid fees


Make a deposit

Deposits include cash, direct deposits, transfers, Zelle®, and more


Avoid fees

We'll waive the overdraft fees if your available balance is positive as of 11:59 PM Eastern Time the next business day

How Extra Day Grace Period works


With Extra Day Grace Period, you can avoid the overdraft fees if your available balance is positive as of 11:59 PM Eastern Time the next business day.

After your grace period ends, if your available balance is not positive, a $35 fee may be charged for each overdraft up to a maximum of three.

Examples of deposits that increase your available balance the same business day include:

  • Direct deposit
  • Cash deposit
  • Transfer from another account
  • Wire transfer
  • Zelle®

Certain transactions decrease your available balance during your extra day, including debit card purchases, transfers from your account, and other payments


Example of how Extra Day Grace Period works




On Thursday, your available balance is $20. That night, we pay a check you've written for $80, leaving your account overdrawn by $60 and subject to a $35 overdraft fee.



On Friday, we receive your deposit of $75 and you don't have other pending transactions, such as debit card purchases, as of 11:59 PM Eastern Time.

We'll waive the overdraft fee from last night's check since your available balance is sufficient to cover the amount of the overdraft item.


How to avoid overdraft fees



Manage online

Set up account alerts and review any overdraft notices for details about pending overdraft fees and the amount of deposit needed to avoid them


Add funds

Deposit or transfer funds from sources such as cash deposits, Zelle®, or transfers from another Wells Fargo bank account


Watch the clock

Make sure your deposits and transfers are made with enough time to be included in your available balance by 11:59 PM Eastern Time


Check pending transactions

Remember that pending transactions, such as debit card purchases you make during the day, will reduce the balance available to cover overdrafts



Don’t want overdraft fees?

Consider Clear Access Banking, our checking account with no overdraft fees. Period.

Learn more



Extra Day Grace Period FAQs

Still have questions?

Chat

For questions about new accounts.

Call Us

For existing accountholders or questions:
1-800-869-3557

Find a Location

Find an ATM or banking location near you.

Make an Appointment

Make an appointment with a banker.

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