Pending check deposits that have not yet been processed or posted to your account or those that did not receive availability at the time we received the deposit.You must promptly bring your account to a positive balance. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. The payment of transactions into overdraft is discretionary and we reserve the right not to pay. The overdraft and/or non-sufficient funds (NSF) fee for Wells Fargo Teen Checkingв„ accounts is $15 per item and we will charge no more than two fees per business day. Overdraft and/or non-sufficient funds (NSF) fees are not applicable to Clear Access Bankingв„ accounts. We charge no more than three overdraft and/or non-sufficient funds (NSF) fees per business day for Consumer accounts and eight per business day for Business accounts. Our overdraft fee for Business and Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means) our fee for returning items for non-sufficient funds is $35 per item. Your mobile carrierвЂ™s message and data rates apply. Sign up may be required for alert notifications, and availability may be affected by your mobile carrierвЂ™s coverage area. This balance may not reflect all of your transactions, such as checks you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant. It includes all deposits and withdrawals that have been posted to your account, then adjusts for any holds on recent deposits and any pending transactions that are known to the bank. Member FDIC.ДЄvailable balance is the most current record we have about the funds that are available for your use or withdrawal. Smart, simple strategies like these can help you stay on top of your money. Keep track of outstanding checks that you have written.ДЄnd if you see where you might come up short, you can quickly transfer money between Wells Fargo accounts. Set your calendar reminders a few days ahead of automatic payments so you can make sure you have enough money in your account. You can also set up alerts to know when your available balance is at or below an amount you specify. Get into the habit of using your accountвЂ™s tools - Wells Fargo OnlineВ® and our mobile app - to help track when money comes in and out. Now that you understand what available balance means, here are some tips to help you stay in the know. For example, if you use your debit card to pay for take-out at a restaurant, the tip may be added a day or two later. Monthly memberships, streaming video services, and other scheduled direct withdrawals that are paid automatically from your account.ДЄnd even the tip on a meal. Note that your available balance only includes the transactions that Wells Fargo knows about, so itвЂ™s important to keep track of anything thatвЂ™s pending or hasnвЂ™t posted to your account yet.Д¬hecks youвЂ™ve written that havenвЂ™t been cashed or deposited yet. You can find your available balance by using Wells Fargo OnlineВ® or the Wells Fargo MobileВ® 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. YouвЂ™re shopping for groceries, buying gas, getting things done.ДЄs you make purchases with your debit card and withdraw cash from the ATM, itвЂ™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.

Bank dormant account policy