While typically no portion of a check deposit is available immediately upon deposit at Wells Fargo, a significant amount is usually accessible by the next business day.
Next Business Day Access
For most check deposits, Wells Fargo generally makes the first $225 available on the next business day. This quick access to a portion of your funds helps cover immediate needs.
Understanding Deposit Holds
It's important to understand that in some cases, Wells Fargo may need to place a hold on your deposit. While the initial $225 typically becomes available on the next business day, the remaining balance of your check could take several additional days to be fully accessible.
Factors influencing deposit holds can include:
- The amount of the check
- Your account history
- The type of check deposited
- Whether the check is drawn on a foreign bank
- Any unusual deposit activity
Wells Fargo will inform you if a hold is placed on your deposit, providing details on when the funds are expected to become available.
Questions About Your Deposit
If you have specific questions or concerns about a hold placed on your check deposit, you can contact Wells Fargo directly. Their customer service team can provide details specific to your account and transaction.
- Customer Service: Call 1-800-TO-WELLS (1-800-869-3557).
