Wells Fargo is one of the banks, whose ATMs make it possible to deposit a check without walking into the bank. This is convenient, especially for people with little patience for long queues. You can bypass the hassle of long bank queues.
What do you need for Wells Fargo ATM check deposit, my dear reader?
You need a legitimate check. By a legitimate check here, I refer to a check which will not bounce during check clearance. Otherwise, you will risk the consequences of depositing a bad check.
Here are other things you need to know, before embarking on using Wells Fargo ATM to deposit a check.
Depositing A Check At Wells Fargo ATM
The check cashing requirements at any Wells Fargo ATM are not much. All you need to deposit a check at the ATM, are your debit card and your check. You do not need a form of identification to carry out this process. Here is what to do:
- Insert your debit card into a Well Fargo ATM.
- Put your pin in.
- Select the deposit tab.
- Insert your endorsed check through ATM deposit slot.
- The ATM will scan the check and ask whether the check amount is right.
- Confirm the amount is right.
- Your receipt will print out, once this is done.
I recommend you keep this receipt for documentation purposes. In addition, ensure you have your privacy as with any other deposit at any ATM. This is to protect your information from anyone close by.
Wells Fargo ATM Deposit Availability
ATM check deposit is instant at Wells Fargo, but fund availability depends on check policies. How much does Well Fargo make available after depositing a check, good reader?
It could be as soon as a day, or three business days. Usually, a portion of your check fund is made available to you after check deposit. Wells Fargo releases the rest, when they verify the check is a good check.
What time does Wells Fargo release check deposits, good reader?
It is going to be the typical wait period for a check fund to deposit- one to three business days. But, this could be longer than the usual when it is confirmed there is a problem with the check. To ensure this does not happen to you, here is what you need to know about verifying a check in order to avoid a check bounce.
Additionally, Wells Fargo ATM check deposits made prior to 9pm are considered deposited the same day. Whether the fund is available, depends on the bank’s policy on check deposit. Or else, checks deposited after 9pm will take the next day to deposit. This goes for all business days- Monday through Friday.
For check deposits made during the weekends, the funds will not deposit until Monday. Unless Monday is a holiday, then the deposit will be available the next business day. To simplify, checks deposited on holidays are available the next business day.
Finally, a deposited check may take a longer than usual period of time to deposit. But, this happens when there is a hold on your check.
Why would Wells Fargo put a hold on a check
All banks including the Wells Fargo bank can put a hold on your check, when it is a bad check. A bad check is a check, which cannot be cleared by a bank. This could be due to a number of reasons. Namely:
- The check is fake.
- There is an insufficient fund on account associated with the check.
- The check is not endorsed. By endorsement, I mean the check is not signed on the back.
- You are a new customer.
- Or, the check could be an old check.
Besides these, Wells Fargo could put a hold on your check because it violates its check cashing policy. As a result, your check can be delayed up to seven business days. This is until the bank clears the check.
If you suspect your check is placed on a hold, contact your bank. This is why you need to keep a copy of your printed receipt for reference purposes.
Wells Fargo ATM Check Deposit Limit
Wells Fargo does not have any ATM check deposit limit. Any check deposit limit depends on the ATM. The number of checks you may deposit per day may be regulated, if the ATM is built to take in certain number of checks.
All ATMs are not the same.
Any questions about the maximum check deposit at Wells Fargo should be directed to the bank. You can call any of the bank’s branches. I recommend doing this, prior to visiting one of their check cashing ATMs.
Another Way To Deposit A Check At Wells Fargo
Besides an ATM deposit, you simply walk and cash your check inside Wells Fargo bank. As usual, bear in mind you may encounter a bank queue. Hence, why depositing a check in a Wells Fargo ATM is a convenient option.
As long as the ATMs is accessible, you can deposit a check whenever you want. Just bear in mind, that deposits made after 9pm will be received the next business day.
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