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If you bank with Wells Fargo, you have access to over 11,000 ATMs around the country for fee-free withdrawals. However, you can’t make unlimited withdrawals every day. There are Wells Fargo ATM limits you should be aware of.
This guide will cover everything you need to know about Wells Fargo’s ATM withdrawal and deposit limits. Read on to learn how much you can withdraw, how much you’ll pay in fees and more.
What Is the Maximum Amount of Money I Can Withdraw at a Wells Fargo ATM?
Wells Fargo’s withdrawal limitsvary for each account holder and type of debit card. Wells Fargo does not publish its ATM withdrawal limits publicly. However, a typical Wells Fargo ATM withdrawal limit in 2023 is around $300 per day. Eligible account holders can increase their withdrawal limit by getting in touch with their local branch.
How To Find Your Wells Fargo Withdrawal Limit
To find out what your Wells Fargowithdrawal limitis at any given time, call the number on the back of your card or visit a Wells Fargo branch and ask one of the tellers. You can also sign on to Wells Fargo Online and choose “Card Details.”
Because withdrawal limits are based on your activity, account history and other factors, Wells Fargo might increase your daily withdrawal limit without telling you. Check your withdrawal limit regularly.
How To Increase Your Wells Fargo Withdrawal Limit
If you’re not happy with your Wells Fargo ATM withdrawal limit, you might be able to increase it. Call the number on the back of your debit card or visit your local branch to see if you’re eligible to request a withdrawal limit increase.
You can also request to decrease your daily withdrawal limit if you would like a lower amount.
Wells Fargo ATM Withdrawal Fees
Wells Fargo charges some fees for using out-of-network ATMs. Fees depend on the type of checking account you have– here’s an overview:
| Account Type | Clear Access Banking | Everyday Checking | Prime Checking | Premier Checking |
|---|---|---|---|---|
| Fee for out-of-network ATM withdrawals in the U.S. | $2.50 | $2.50 | $0 | $0 |
| Fee for out-of-network ATM withdrawals outside the U.S. | $5 | $5 | $0 | $0 |
If you have a Prime Checking or Premier Checking account with Wells Fargo, you won’t be charged for using out-of-network ATMs in the U.S. or internationally. However, the ATM network operator’s fees may still apply. Wells Fargo will reimburse all ATM fees charged by network operators for Premier Checking account holders, and one fee per fee period, which may be around 25 to 35 days, for Prime Checking account holders.
What Is the Maximum Deposit Limit for Wells Fargo ATMs?
Wells Fargo does not limit the dollar amount you can deposit at aWells Fargo ATM. However, according to the bank’s website, there is a physical limit to the amount of items — checks or cash — that you can deposit at each ATM. You should see this limit on the screen when you insert your check or cash. Wells Fargo also states that it might decline deposits that exceed $1 million.
Wells Fargo Mobile Check Deposit Limit
There is a limit to the amount of money you can deposit through the Wells Fargo mobile app. This limit, like your withdrawal limit, depends on your account type and other factors.To find out what your limit is, check the app. You should see the limit for each account when you select “Deposit to” or “Enter amount.”
Mobile deposits are fee-free, with the exception of analyzed business accounts, which may incur transaction fees.
When Is Your Deposited Money Available?
If you deposit cash at a Wells Fargo ATM, the funds should be available immediately. Check deposits generally become available the same day if you make your deposit before 9 p.m. local time on a business day. If you deposit a check later than 9 p.m., on a bank holiday or on a weekend, your funds will be available the next business day.
Mobile check deposits may take slightly longer to become available than ATM deposits. If you deposit a check through the app before 9 p.m. PT on a business day, your money should be available the next day. Mobile deposits made after 9 p.m. PT, on a weekend, or on a bank holiday should be available within two business days.
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What Is the Purchase Limit on a Wells Fargo Debit Card?
There is also a limit on the total dollar amount of purchases you can make with your Wells Fargo debit card. This limit varies by accountand should have been indicated on the materials you received when you got your card.
To confirm your debit card purchase limit, you can:
- Sign into Wells Fargo Online
- Check the Wells Fargo mobile app
- Call Wells Fargo at 1-800-869-3557
How To Get Cash If You’ve Reached Your Limits
If you’ve maxed out the ATM withdrawal limit on your Wells Fargo debit card, there are other ways to get cash. Here are a few options.
Get Cash Back When You Make a Purchase
When you use your debit card to pay at certain grocery stores and other retailers, you have the option to get cash back. The amount you choose is added to the purchase amount and debited from your Wells Fargo checking account. The amount of cash back you can get depends on the retailer’s limits. Be sure you understand your daily purchase limit as well.
Withdraw From Another Account
The withdrawal limit is linked to your debit card, so if you have another account with a different debit card, you can withdraw from that one.
Request an Increase
Request an ATM limit increase by calling Wells Fargo or visiting a branchand speaking with a banker. Once your request for an increase is approved, you can withdraw additional funds.
Go Into a Branch and Withdraw
Make a withdrawal in person at a branch. If you want to withdraw an amount greater than your ATM limit, you can go into your local Wells Fargo branch and request it, typically by using one of your own checks.
Takeaway
Wells Fargo’s daily ATM withdrawal limits vary depending on your account type, debit card and other factors. A typical withdrawal limit is $300. There are no dollar limits for Wells Fargo ATM deposits, but mobile deposits are limited.
Understanding the daily withdrawal and purchase limits of your Wells Fargo ATM card will help you better manage your cash and ensure you have money available when you need it.
Karen Doyle contributed to the reporting for this article.
