Have you ever wished you could deposit a check without having to make a special trip to the bank or ATM? Well, with Wells Fargo's mobile deposit feature, you absolutely can! It's a fantastic way to save time and manage your finances right from the comfort of your home or on the go. This comprehensive guide will walk you through every step of making a Wells Fargo mobile deposit, ensuring a smooth and successful transaction.
Getting Started: What You'll Need
Before we dive into the steps, let's make sure you have everything ready:
- An eligible Wells Fargo account: Most personal and business checking and savings accounts are eligible for mobile deposit. If you're unsure, you can always check with Wells Fargo customer service.
- The Wells Fargo Mobile App: This is essential! Make sure you have the latest version downloaded and installed on your smartphone or tablet.
- A check: Of course, you'll need the physical check you intend to deposit.
- Good lighting and a flat, dark surface: These will help you capture clear images of your check.
The Step-by-Step Guide to Wells Fargo Mobile Deposit
Let's get that check deposited! Follow these instructions carefully for a hassle-free experience.
Step 1: Prepare Your Check for Deposit
This is a crucial first step that many people overlook! Proper endorsement is key to ensuring your deposit is processed correctly.
- Sub-heading: Sign the Back of Your Check
- Locate the endorsement area on the back of your check. This is typically a blank line at the top.
- Sign your name exactly as it appears on the "Pay to the Order of" line on the front of the check.
- Sub-heading: Add the Restrictive Endorsement
- Directly below your signature, you must write: "For Mobile Deposit at Wells Fargo Only"
- Alternatively, if your check has a pre-printed box that reads "Check here if mobile deposit," simply check that box. This acts as the restrictive endorsement.
- This endorsement is critical because it restricts how the check can be used, preventing anyone else from trying to cash or deposit it if it were to get lost after you've photographed it.
Step 2: Open the Wells Fargo Mobile App and Initiate Deposit
With your check properly endorsed, it's time to use the app!
- Sub-heading: Log In Securely
- Open the Wells Fargo Mobile App on your device.
- Log in using your username and password, or your preferred biometric authentication (fingerprint or facial recognition, if enabled).
- Sub-heading: Navigate to the Deposit Feature
- Once logged in, look for the "Deposit" option. This is usually located in the bottom navigation bar of the app.
- You might also find a "Deposit Checks" shortcut on the main screen.
Step 3: Enter Deposit Details
Now you'll tell the app about your deposit.
- Sub-heading: Select the Deposit Account
- You'll see a "Deposit To" dropdown menu. Tap on it and select the Wells Fargo checking or savings account into which you want the check to be deposited.
- If you frequently use the same account for mobile deposits, you can often set it as your default for convenience.
- Sub-heading: Enter the Check Amount
- Carefully enter the exact dollar amount of the check. Double-check this amount to ensure it matches the written and numerical amounts on your check. Even a small discrepancy can cause delays.
- The app may also display your remaining daily and 30-day mobile deposit limits at this stage.
Step 4: Capture Images of Your Check
This is where your phone's camera comes in! Getting clear, well-lit photos is essential for successful processing.
- Sub-heading: Position Your Check
- Place your endorsed check on a flat, dark-colored, plain surface. This helps the app's camera clearly distinguish the check.
- Ensure the area is well-lit, but avoid direct glare that could obscure details.
- Sub-heading: Take the Front Image
- Position your mobile device's camera directly over the check, not at an angle.
- Align all four corners of the check within the guides on your camera screen. The app is designed to auto-capture when the check is properly aligned and in focus.
- If it doesn't auto-capture, tap the camera icon to manually take the picture.
- Sub-heading: Take the Back Image
- Flip the check over to the endorsed side.
- Repeat the same process as for the front image, ensuring all four corners are within the guides and the image is clear.
- Remember, the back of the check should have your signature and the "For Mobile Deposit at Wells Fargo Only" endorsement.
Step 5: Review and Submit Your Deposit
You're almost there! One final check before sending it off.
- Sub-heading: Verify Details
- The app will display a summary of your deposit, including the account you selected and the amount you entered, along with the images of the front and back of your check.
- Take a moment to carefully review all the information. Make sure the amount is correct and the images are clear and readable.
- Sub-heading: Confirm and Submit
- Once you're satisfied that everything is accurate, tap the "Deposit" or "Submit" button.
- You'll receive an on-screen confirmation message indicating that your deposit has been received and is processing.
- Wells Fargo will also send a deposit confirmation to your primary email address and to your Wells Fargo Online® Message Center secure mailbox.
Step 6: What to Do After Deposit
Your job isn't quite done yet!
- Sub-heading: Mark Your Check
- On the front of the physical check, write "Mobile Deposit" and the date you made the deposit. This prevents accidental re-depositing.
- Sub-heading: Securely Store Your Check
- Keep the original check in a safe and secure place for at least 5 days after your deposit. This allows sufficient time in case the original check is required for any reason (e.g., if there's an issue with the deposit).
- Sub-heading: Destroy the Check
- After 5 days, securely destroy the check. Shredding is the best method to protect your financial information.
Frequently Asked Questions (FAQs)
How to check my mobile deposit limits with Wells Fargo?
You can typically view your remaining daily and 30-day mobile deposit limits within the Wells Fargo Mobile App when you are in the process of making a deposit, or by logging into Wells Fargo Online and navigating to your account details.
How to know if my Wells Fargo account is eligible for mobile deposit?
Most personal and business checking and savings accounts are eligible. If you're unsure, the easiest way to confirm is to try initiating a deposit in the Wells Fargo Mobile App; if your account isn't eligible, it will usually indicate this. Alternatively, contact Wells Fargo customer service.
How to ensure a clear photo for my mobile deposit?
Place your check on a flat, dark-colored, plain surface with good, even lighting (avoiding shadows or glare). Position your phone directly above the check, ensuring all four corners are within the app's guides. Hold steady until the app auto-captures or manually tap the shutter button.
How to endorse a check for Wells Fargo mobile deposit properly?
Sign the back of your check and directly below your signature, write "For Mobile Deposit at Wells Fargo Only." If the check has a pre-printed "Check here if mobile deposit" box, you can simply check that box instead.
How to tell if my Wells Fargo mobile deposit was successful?
You will receive an on-screen confirmation message immediately after submitting the deposit in the app. Additionally, Wells Fargo sends a confirmation email to your primary email address and a message to your Wells Fargo Online® Message Center secure mailbox.
How to find out when my mobile deposit funds will be available?
Generally, if you deposit on a business day before 9 PM Pacific Time, funds are available the next business day. Deposits made after this cutoff or on weekends/holidays are processed the next business day, with funds generally available the day after. Any holds will be communicated to you via the app or email.
How to resolve an issue with a failed Wells Fargo mobile deposit?
First, review the error message provided by the app. Common issues include unclear photos or incorrect endorsement. Re-attempt the deposit, paying close attention to the steps. If problems persist, contact Wells Fargo customer service for assistance.
How to prevent future mobile deposit issues with Wells Fargo?
Always ensure clear photos, correct endorsement, and accurate amount entry. Keep your Wells Fargo Mobile App updated. Familiarize yourself with mobile deposit limits and check your account eligibility.
How to get help with the Wells Fargo Mobile App if I'm stuck?
The Wells Fargo Mobile App often has a "Help" or "Support" section. You can also visit the Wells Fargo website's FAQ or contact their customer service line directly.
How to set a default account for Wells Fargo mobile deposits?
When you are selecting the "Deposit To" account within the app, there is usually an option or a checkbox to "Make this account my default." Select your desired account and then check this box to set it as your default for future mobile deposits.