Moving money between your own Wells Fargo accounts is a common and straightforward task, whether you're shifting funds to cover bills, boost your savings, or manage your budget. Wells Fargo offers several convenient ways to do this, ensuring you have flexibility and control over your finances. Let's dive into a comprehensive, step-by-step guide to mastering internal Wells Fargo transfers!
How to Transfer Money Between Two Different Wells Fargo Accounts: A Detailed Guide
Ready to take control of your funds? Let's get started with the easiest and most popular methods for transferring money between your Wells Fargo accounts.
Step 1: Choose Your Preferred Method of Transfer
Before we get into the nitty-gritty, let's explore the various avenues Wells Fargo provides for internal transfers. Which one suits your lifestyle best?
- Online Banking (Wells Fargo Online®): This is often the most popular and flexible option. You can set up one-time, future-dated, or recurring transfers from the comfort of your home or office. It's accessible 24/7.
- Wells Fargo Mobile® App: For those on the go, the mobile app offers a streamlined and intuitive way to manage your transfers right from your smartphone or tablet.
- Phone Banking (Wells Fargo Phone Bank): If you prefer speaking to a representative or don't have internet access, you can initiate transfers over the phone.
- In-Person at a Wells Fargo Branch: For those who prefer a face-to-face interaction or need assistance with a more complex transfer, a branch visit is always an option.
Once you've decided on your preferred method, continue to the relevant step below!
Step 2: Transferring Money via Wells Fargo Online® (Desktop/Laptop)
This is the digital backbone for many Wells Fargo customers. Follow these steps to make your transfer seamless:
Sub-heading 2.1: Logging In Securely
- Open your web browser and go to the official Wells Fargo website (
www.wellsfargo.com - Locate the "Sign On" button, usually found in the top right corner of the homepage.
- Enter your Username and Password. Ensure you're on a secure network and that the website address starts with "https://".
Sub-heading 2.2: Navigating to the Transfer Section
- Once logged in, look for a section or tab labeled "Transfer & Pay" or simply "Transfers." This is typically a prominent navigation link.
- Click on it to proceed to the transfer options.
Sub-heading 2.3: Setting Up Your Transfer
- Select the "From" account: This is the account from which you want to move money (e.g., your checking account).
- Select the "To" account: This is the destination account where you want the money to go (e.g., your savings account). Wells Fargo will display your eligible accounts.
- Enter the Amount: Carefully type in the exact amount you wish to transfer. Double-check this for accuracy!
- Choose the Frequency:
- Once: For a single, immediate transfer.
- Future-Dated: If you want the transfer to happen on a specific date in the future. Select the date using the calendar icon.
- Recurring: For transfers that happen regularly (e.g., weekly, bi-weekly, monthly). You'll typically need to set a start date and an end date (or choose "until canceled").
- Optional Memo: You can add a memo for your personal records, which will appear in your transaction history and on your bank statement. This can be helpful for tracking specific transfers.
Sub-heading 2.4: Review and Confirm
- Before finalizing, Wells Fargo will present you with a "Review and Transfer" page.
- Carefully review all the details: From account, To account, amount, date, and frequency.
- If everything looks correct, click the "Submit" or "Confirm" button.
- You will receive an on-screen confirmation and often an email confirmation as well.
Step 3: Transferring Money via the Wells Fargo Mobile® App
The mobile app offers a quick and convenient experience for transfers.
Sub-heading 3.1: App Access and Login
- Open the Wells Fargo Mobile® App on your smartphone or tablet.
- Sign on using your username and password, or use biometric authentication (fingerprint or face ID) if enabled.
Sub-heading 3.2: Finding the Transfer Feature
- Once logged in, look for "Pay & Transfer" or a similar icon, often located in the bottom navigation bar.
- Tap on it to access the transfer options.
Sub-heading 3.3: Initiating Your Transfer
- Select "Transfer Money" (or a similar option for internal transfers).
- Choose the "From" account and the "To" account from the dropdown lists.
- Enter the Amount you wish to transfer.
- Specify if it's a one-time, future-dated, or recurring transfer. Use the calendar if selecting a future date.
Sub-heading 3.4: Final Review and Submission
- The app will display a summary of your transfer.
- Verify all the details – source, destination, amount, and timing.
- Tap "Review" and then "Send" or "Confirm" to complete the transfer.
- You'll receive an in-app confirmation, and potentially an email confirmation.
Step 4: Transferring Money via Wells Fargo Phone Bank
If you prefer a direct conversation, the Phone Bank is an option.
Sub-heading 4.1: Calling Wells Fargo Customer Service
- Dial the Wells Fargo customer service number: 1-800-869-3557.
- Be prepared to verify your identity with account information, Social Security Number, or other security questions.
Sub-heading 4.2: Requesting the Transfer
- Inform the customer service representative that you wish to transfer money between two of your Wells Fargo accounts.
- Provide the representative with the details:
- The account number you want to transfer from.
- The account number you want to transfer to.
- The exact amount to be transferred.
- Whether it's a one-time, future-dated, or recurring transfer.
Sub-heading 4.3: Confirmation and Record
- The representative will confirm the details with you.
- Listen carefully to ensure everything is accurate.
- The transfer will be processed, and you should receive a confirmation number. It's always a good idea to write this down for your records.
Step 5: Transferring Money In-Person at a Wells Fargo Branch
For those who prefer a more personal touch or need assistance, visiting a branch is straightforward.
Sub-heading 5.1: Preparing for Your Visit
- Gather the necessary information:
- Your Wells Fargo Debit Card or ID: To verify your identity.
- Account Numbers: Have the account numbers for both the "from" and "to" accounts readily available.
- Amount: Know the exact amount you wish to transfer.
Sub-heading 5.2: Speaking with a Banker
- Upon arrival, approach a banker or a teller.
- State that you would like to transfer funds between two of your Wells Fargo accounts.
- Provide your identification and the account details.
- Clearly communicate the amount and whether it's a one-time or recurring transfer.
Sub-heading 5.3: Receiving Confirmation
- The banker will process your request.
- You will likely receive a receipt or transaction slip as confirmation of the transfer. Keep this for your records.
Important Considerations for Wells Fargo Internal Transfers:
- Availability of Funds: Transfers between Wells Fargo deposit accounts are typically available immediately for purchases and withdrawals. Funds transferred before 8 PM Pacific Time on a business day are usually available that same day. Transfers after 8 PM PT or on non-business days will be available at the next nightly processing (generally after midnight PT).
- Fees: Wells Fargo generally does not charge fees for transfers between your own Wells Fargo checking and savings accounts. However, always refer to your account disclosures for any potential fees associated with specific account types or services.
- Limits: While internal transfers generally have high limits, very large transfers might trigger additional security reviews. If you need to transfer an exceptionally large amount, it's advisable to confirm any limits or requirements with Wells Fargo beforehand, especially if it involves brokerage accounts or other less common account types.
- Security: Wells Fargo employs robust security measures for all online and mobile banking transactions. Always ensure you are on the official Wells Fargo website or app, and never share your login credentials.
- Linked Accounts: Your Wells Fargo accounts are typically linked for easy transfers once you enroll in online or mobile banking. You don't usually need to "link" them separately beyond having them under the same customer profile.
10 Related FAQ Questions
How to check if my Wells Fargo accounts are linked for transfers?
You can verify if your Wells Fargo accounts are linked by logging into Wells Fargo Online or the mobile app and navigating to the "Transfer & Pay" section. All your eligible accounts should be listed as options for "From" and "To" accounts.
How to set up a recurring transfer between Wells Fargo accounts?
To set up a recurring transfer, log into Wells Fargo Online or the mobile app, go to the "Transfer & Pay" section, and when setting up the transfer, select "Recurring" from the frequency options. You'll then specify the frequency (e.g., weekly, monthly), start date, and end date (or "until canceled").
How to cancel a scheduled Wells Fargo transfer?
You can cancel a scheduled transfer by logging into Wells Fargo Online or the mobile app, going to the "Transfer & Pay" section, and then looking for "Scheduled Transfers" or "Activity." Select the transfer you wish to cancel and choose the "Cancel" option. Note that immediate transfers cannot be canceled once submitted.
How to find my Wells Fargo account number for a transfer?
Your Wells Fargo account number can be found on your bank statements, by logging into Wells Fargo Online or the mobile app (often in the account details section), or by contacting customer service.
How to transfer money to another person's Wells Fargo account?
To transfer money to another person's Wells Fargo account, you can use Zelle (if they are enrolled with Zelle at their bank using their email or U.S. mobile number), or you might need their account and routing number to set up an external transfer or a wire transfer, which may incur fees.
How to increase my Wells Fargo transfer limit?
Internal transfers between your own Wells Fargo accounts typically have very high limits. For external transfers (to other banks) or wire transfers, limits may apply. To inquire about increasing limits for these types of transfers, you would generally need to contact Wells Fargo customer service or visit a branch.
How to get a confirmation of my Wells Fargo transfer?
After completing a transfer online or via the mobile app, you'll receive an on-screen confirmation. Wells Fargo also typically sends an email confirmation. If you perform the transfer in-person, you'll receive a paper receipt. For phone transfers, ask the representative for a confirmation number.
How to view my Wells Fargo transfer history?
You can view your transfer history by logging into Wells Fargo Online or the mobile app and navigating to the "Transfer & Pay" or "Activity" section. All completed and scheduled transfers will be listed there.
How to troubleshoot a failed Wells Fargo transfer?
If a Wells Fargo transfer fails, first check that you have sufficient funds in the "from" account. Also, verify that the "to" account details are correct. If the issue persists, contact Wells Fargo customer service or visit a branch for assistance.
How to get help with Wells Fargo transfers if I have questions?
For any questions or assistance with Wells Fargo transfers, you can contact Wells Fargo customer service by phone (1-800-869-3557), use their online chat support, or visit your nearest Wells Fargo branch.