Mobile Deposit FAQs - Wells Fargo (2024)

It’s convenient and easy to use.

Sign on to the Wells Fargo Mobile® app, then follow these simple steps:

1. Select Deposit in the bottom bar.
2. Choose the account you want to use for your deposit.
3. Enter the amount of your check.
4. Sign the back of your check and write “For Mobile Deposit at Wells Fargo Only” below your signature (or if available, check the box that reads: “Check here if mobile deposit”).
5. Take a photo of the front and back of your endorsed check with your mobile device. For photos that work best, follow these guidelines:
   a. Place your check on a dark-colored, plain surface that’s well lit.
   b. Position your camera directly over the check (not angled).
   c. Fit all 4 corners in the guides of your mobile device’s camera screen.
6. Submit your deposit.

You’ll receive a confirmation message on your mobile device for each successful deposit. Plus, we’ll send a deposit confirmation to your primary email address and your Wells Fargo Online^® Message Center secure mailbox.

Securely store your check for 5 days after your deposit, and then destroy it. This allows sufficient time in case the original check is required for any reason.

You can deposit checks payable in U.S. dollars and drawn at any U.S.-based bank, including personal, business, and most government checks. Checks must be payable to, and endorsed by the account holder.

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 illegible or contain MICR data that is not machine-readable, and duplicate checks.

If you deposit on a business day before 9 pm PT, your money will generally be available the next day. If you deposit after 9 pm PT or on a weekend or holiday, we'll process the deposit on the next business day and your money will generally be available the day after that.

For example, a mobile deposit made:

Before 9 pm PT

• On Monday is generally available Tuesday
• On Friday is generally available Saturday

After 9 pm PT

• On Monday is generally available Wednesday
• On Friday is generally available Tuesday

Weekends

• On Saturday or Sunday is generally available Tuesday

Some checks can take longer to process, so we may need to hold some or all of the deposit for a little longer. We’ll let you know if we need to hold a deposit and include details about when to expect your money.

Status in Account Activity

You can view the status of your deposit in the Account Activity for the appropriate account.

You will know that your deposit amount is available when the amount appears in your available balance.

Hold notifications

When a hold is applied on any portion of your deposit, you will receive a notification that provides details on the amount held and when it will be available.

A deposit is held when funds are posted to your account but are not immediately available to cover debits or withdrawals. Common reasons include:

• Large deposit amount
• Frequent overdrafts
• Deposited check returned unpaid
• Indications a deposited check may not be paid

Before you take your check photos:

1. Sign the back of your check
2. Write "For Mobile Deposit at Wells Fargo Only" below your signature. (Or if available, check the box that reads: "Check here if mobile deposit".)

If another person is authorized to sign checks for you or use your bank account, they’ll need to sign your name on the check and endorse it as instructed in step 2.

With Wells Fargo Mobile deposit (“mobile deposit”), you can make a deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app.

Mobile deposit lets you submit photos of the front and back of your endorsed, eligible check. You can save time with fewer trips to a Wells Fargo ATM or branch.

We use advanced encryption and security technology:

• Wells Fargo Online passwords are not stored on your mobile device.
• Check photos are not stored on your mobile device.
• You view accounts by nicknames you can define, not by account numbers.
• 128-bit encryption masks your sensitive information.

Remember for added security, always sign off completely when you finish using the Wells Fargo Mobile app by selecting Sign Off.

Business days are Monday - Friday, except federal holidays.

The deposit credit date is provided on the confirmation screen and in your email confirmation.

Some checks can take longer to process, so we may need to hold some or all of the deposit for a little longer. We'll let you know if we need to hold a deposit and include details about when to expect your money.

To make an account the default for mobile deposit, select the account from the Deposit To drop-down, and check the Make this account my default box.

Note: If you have only one account eligible for mobile deposit, it will automatically be your default account.

After completing your mobile deposit:

1. Write "Mobile deposit" and the date on the front of your check.
2. Store it in a safe place for 5 days, and then destroy it. Five days is enough time in case the original check is required for any reason.

For most customers, there’s no fee to use Mobile Deposit. Your mobile carrier's message and data rates may apply.

Some customers with analyzed business accounts may be charged a transaction fee or another fee for mobile deposits. Refer to the account fee disclosures for more information.

If your camera is turned off and/or you have not given the Wells Fargo Mobile app permission to access your camera on your device, you will not be able to see the Deposit Checks option.

Mobile deposit is available only on the Wells Fargo Mobile app. If you are using the mobile browser, this feature will not be available.

To verify your settings with the Wells Fargo Mobile app:

1. Tap on Settings.
2. Tap Privacy.
3. Tap Camera.
   Make sure the camera is set to ON.
4. Tap Wells Fargo.

If the Wells Fargo Mobile app does not detect the camera on your device, you will not be able to see the Deposit Checks option.

Mobile deposit is available only on the Wells Fargo Mobile app. If you are using the mobile browser, this feature will not be available.

Check to see if any Android permissions are interfering with mobile deposit. Both camera and photo permissions are necessary to use this feature.

1. Tap on Settings.
2. Tap on Apps.
3. Tap on Disabled.
4. Locate the Camera and enable it from there.