Overdraft Services for Personal Accounts

Standard overdraft coverage is included with most checking accounts.Footnote 3³ With standard overdraft coverage we may authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments (such as recurring debit card and ACH payments)

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see Debit Card Overdraft ServiceFootnote 6⁶ below):

• ATM transactions
• Everyday debit card transactions (such as one-time debit card and ATM card purchases)

We pay overdrafts at our discretion which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned unpaid.

If we pay an overdraft, we assess a fee of $35 per item paid into overdraft. We limit the number of overdraft fees on consumer accounts to three per business day.Footnote 5⁵

You can change the way we handle overdrafts, so we decline or return your transactions when you don't have enough available money in your account to cover a transaction.

• To remove standard overdraft coverage, visit a branch or call a phone banker at 1-800-TO-WELLS (1-800-869-3557).

Overdraft fees can still apply even if you remove standard overdraft coverage. We do not assess fees for returned items or declined transactions.

Eligibility

• You can link up to two eligible Wells Fargo accounts (one savings and one credit account) to one Wells Fargo checking account for Overdraft Protection. If you link two accounts, you may tell us which account to use first to transfer/advance funds. If you do not specify an order, we will first transfer funds from your linked savings account.
• If you link a credit card, the credit card must be confirmed in order for the Bank to transfer funds for Overdraft Protection. If the credit card is not confirmed, no money will transfer to cover the overdraft. Once your credit card has been confirmed, please allow up to 3 business days for your Overdraft Protection service to be fully enabled.
• You can view your eligible accounts by signing onto Online Banking, talking with a branch banker, or calling a phone banker at 1-800-TO-WELLS (1-800-869-3557).

For additional information, please also refer to your specific account type in the Consumer Account Fee and Information Schedule, Consumer Account Fee and Information Schedule, or your applicable credit agreement.

EligibilityFootnote 6⁶

Please read this Important information about overdrafts (PDF) before adding the service.

Fee

Our standard overdraft fee of $35 per itemFootnote 5⁵ may apply each time we pay an overdraft item to your account and a covering depositFootnote 7⁷ or transfer is not made before the cut-off time on the same business day or otherwise covered by Extra Day Grace Period.Footnote 8⁸

Information about cut-off times can be found in the Consumer Account Fee and Information Schedule.

If your checking account is not enrolled in Debit Card Overdraft Service and you don't have enough available money in your checking account or in accounts linked for Overdraft Protection, ATM and everyday (one-time) debit card transactions will be declined at the time of the transaction. There are no fees for declined transactions.

An overdraft is a negative balance in your account. An overdraft occurs when you spend more money than you have available in your checking account and the Bank pays your transaction anyway.

Yes. A returned item / non-sufficient funds (NSF) item occurs when Wells Fargo returns an item (such as a check or other transaction presented for payment) unpaid because there is not enough money available in the account to cover it (meaning, we do not pay the transaction).

Our overdraft fee for items paid into overdraft is $35 per item.Footnote 5⁵ We charge no more than three overdraft fees per business day for personal accounts.

We do not charge a returned item / non-sufficient funds (NSF) fee for items returned unpaid.

Note: We will not charge an overdraft fee on items that are $10 or less, and we won't charge overdraft fees if both your ending daily account balance and available balance are overdrawn by $10 or less after we have processed all of your transactions. There are no overdraft fees for ATM and everyday (one-time) debit card transactions unless your account is enrolled in Debit Card Overdraft Service, as described above.

Yes. Making a deposit or transfer may help avoid overdraft fees.

You may avoid an overdraft altogether – including applicable overdraft fees – if you make a covering depositFootnote 7⁷ or transfer before the posted cut-off time on the same business day that you overdrew your account.

With Extra Day Grace Period,Footnote 8⁸ if your account is overdrawn, you have an extra business day to make a deposit to avoid overdraft fees. If your available balanceFootnote 4⁴ is positive as of midnight Eastern Time, we'll waive the associated overdraft fees. After your grace period ends, if your available balanceFootnote 4⁴ is not zero or positive, a $35 fee may be charged for each overdraft up to a maximum of three.

Both services are optional and you can sign up for one or both depending on your checking accountFootnote 3^3,Footnote 5^5,Footnote 6⁶ and how you like to manage your money. You can have one, the other, or both – the choice is yours.

• Overdraft ProtectionFootnote 1¹ uses available funds from your eligible linked savings, credit card, or line of credit account(s) to authorize or pay a transaction if there isn't enough money in your checking account. In other words, the linked account helps you avoid an overdraft in the first place.
• Debit Card Overdraft ServiceFootnote 6⁶ allows the Bank to authorize, at its discretion, ATM and everyday (one-time) debit card transactions into overdraft if there isn't enough available money in your checking account (or in accounts linked for overdraft protection), and an overdraft feeFootnote 5⁵ will apply to any item paid into overdraft.

If you are enrolled in both services, we will first use available funds in your linked Overdraft Protection account(s) to cover transactions when you don't have enough available money in your checking account.

For linked savings accounts: If the available balance in your savings account is $25 or more and can cover the overdraft, we'll transfer the exact amount needed or a minimum of $25. If the available balance in your savings account is less than either $25 or the amount needed, we'll transfer the available balance.

For linked credit accounts: If the available credit in your credit card account is $25 or more and can cover the overdraft, we'll advance the exact amount needed or a minimum of $25. If the available credit in your credit card account is less than either $25 or the amount needed, we'll advance the available credit. Advances from an eligible linked Wells Fargo line of credit are generally made in increments of $100 or $300.

ATM and everyday (one-time) debit card transactions will be declined at the time of the transaction. There are no fees for declined transactions. If a checking account is not enrolled in Debit Card Overdraft Service and an ATM or everyday (one-time) debit card transaction creates a negative balance during posting, an overdraft fee will not be assessed.

Please be aware that recurring debit card transactions you have pre-authorized (such as a utility payments, streaming services, and gym memberships) may be approved into overdraft at the Bank's discretion whether or not you are enrolled in Debit Card Overdraft Service and an overdraft fee would be assessed for items paid into overdraft.Footnote 5⁵

Review the materials on this site, call a phone banker at 1-800-TO-WELLS (1-800-869-3557), or talk with a local branch banker.

You can add, change or remove Overdraft Protection through Online Banking and Wells Fargo Mobile^® by talking to a phone banker at 1-800-TO-WELLS (1-800-869-3557), or by visiting a branch banker.

You can add or remove Debit Card Overdraft Service at a Wells Fargo ATM (Select More Choices, Wells Fargo Services), through Online Banking, with a branch banker, or by talking to a phone banker anytime at 1-800-TO-WELLS (1-800-869-3557). Any account holder with transaction authority can add or remove the service on the checking account.

No. The payment of any transaction into overdraft remains a discretionary decision of Wells Fargo and we reserve the right not to pay. For example, we typically do not pay these items if your account is overdrawn or if you have had excessive overdrafts.

No. Clear Access Banking does not allow for optional overdraft services and has no overdraft fees.Footnote 3³

If you have an account linked for Overdraft Protection and a transfer or advance of funds from the linked account covers your transactions for that business day, Extra Day Grace PeriodFootnote 8⁸ will not apply because there are no pending overdraft fees to avoid. However, if a transfer or advance of funds from a linked Overdraft Protection account is not sufficient to cover all of your transactions, Extra Day Grace PeriodFootnote 8⁸ will apply to any transaction that is paid into overdraft and that has a pending overdraft fee.  Extra Day Grace PeriodFootnote 8⁸ does not reverse the transfer or advance of funds from your linked account, and advances from linked credit accounts accrue interest from the date of the advance in accordance with the terms of your applicable credit agreement.