Note that your available balance only includes the transactions that Wells Fargo knows about, so it’s important to keep track of anything that’s pending or hasn’t posted to your account yet.Ĭhecks you’ve written that haven’t been cashed or deposited yet. You can find your available balance by using Wells Fargo Online® or the Wells Fargo Mobile® app, or at the ATM. And your available balance is used to determine if you have enough to cover your next purchase or withdrawal.
This balance can change throughout the day as we authorize or receive notice of pending transactions. This is the money you currently have available to cover purchases or to withdraw. You’re shopping for groceries, buying gas, getting things done.Īs you make purchases with your debit card and withdraw cash from the ATM, it’s important to be aware of the available balance in your checking account. Pending withdrawals, including debit card transactions we authorize and checks/authorized payments known to us, reduce your available balance.Refer to the Funds Availability Policy in the Account Agreement for detailed funds availability information. Funds not available on the day of the deposit will typically be available the next business day, unless a longer hold is placed on the deposit. If funds are not available on the day of deposit, refer to your deposit receipt for the funds availability date. A portion or all of your check deposits made at a Wells Fargo branch or Wells Fargo ATM may be immediately available for your use on the day we receive the deposit.Some pending deposits, such as incoming wire transfers, electronic direct deposits, and cash deposited at a Wells Fargo branch or Wells Fargo ATM, are available for your use on the day we receive the deposit. It is adjusted throughout the day as we authorize or receive notice of pending transactions. All deposits that are immediately available and withdrawals that have posted to your account.Your available balance is the most current record we have about the funds that are available for withdrawal from your account.