If you use a Wells Fargo debit card, it’s important to know your ATM withdrawal limits and deposit rules. Whether you’re withdrawing cash, depositing checks, or transferring between accounts, these limits affect how much money you can access daily. This 2025 guide explains Wells Fargo’s ATM withdrawal and deposit limits, how to increase your limit, and what to expect when depositing checks or cash at Wells Fargo ATMs.
What Is the Wells Fargo ATM Withdrawal Limit?
Wells Fargo’s standard ATM withdrawal limit is typically
$300 per day for new accounts, but most long-term customers have a limit of
$500–$1,000 per day. Premium and private banking customers may have higher limits based on their account tier.
- Everyday Checking: $300–$500 daily limit
- Preferred or Portfolio Checking: Up to $1,000 daily limit
- Wells Fargo Private Bank: Custom limits available
These limits apply to total daily withdrawals across all Wells Fargo and non-Wells Fargo ATMs combined.
Can You Increase Your ATM Withdrawal Limit?
Yes. Wells Fargo allows customers to request a temporary or permanent increase to their ATM withdrawal limit. You can do this by:
- Calling Wells Fargo customer service (1-800-869-3557)
- Using the “Contact Us” feature in the Wells Fargo Mobile® app
- Visiting a local branch to verify your account and request an increase
Temporary limit increases are often approved within minutes if you have consistent account history and available balance.
Wells Fargo Cash Deposit Policy
You can deposit cash at any Wells Fargo ATM with an envelope-free deposit slot. The machine will automatically count and confirm the total.
- Availability: Cash deposits are available immediately or within minutes.
- Deposit limit: Typically up to $10,000 per ATM transaction.
- Network: Wells Fargo ATMs only (cash deposits not accepted at non-Wells ATMs).
If you exceed the deposit limit, you’ll need to visit a branch or make multiple deposits.
Wells Fargo Check Deposit Policy
When you deposit a check at a Wells Fargo ATM, the first $225 is usually available immediately, and the rest clears within 1–2 business days. However, large or suspicious checks may be held for up to seven business days.
- Standard hold: 1–2 business days
- Large check hold: Up to 7 business days
- Immediate availability: $225 (per Regulation CC)
You’ll see the expected release date on your ATM receipt or in your Wells Fargo Mobile app after the deposit.
ATM Network Access
Wells Fargo operates more than 12,000 ATMs across the United States. You can withdraw cash from any of these machines without fees. If you use a non-Wells Fargo ATM, the bank may charge a $2.50 fee per transaction, plus any operator fees.
- In-network: Wells Fargo ATMs (no fee)
- Out-of-network: $2.50 per transaction + operator fee
- ATM locator: Use the Wells Fargo app or website to find nearby locations
How to Check Your Withdrawal Limit
To find your exact daily withdrawal limit:
- Log in to the Wells Fargo Mobile app
- Tap your checking account
- View “Card Details” → “ATM Withdrawal Limit”
- Contact customer service for confirmation
Limits vary per customer based on account age, type, and recent deposit history.
ATM Withdrawal Tips to Avoid Fees
- Use only Wells Fargo ATMs to avoid out-of-network charges.
- Withdraw larger amounts once instead of multiple small withdrawals.
- Plan withdrawals before weekends or holidays when limits may reset later.
- Use digital wallets like Apple Cash or Venmo for flexibility.
Alternative Options for Larger Withdrawals
If you need more than your daily ATM limit, consider:
- Visiting a Wells Fargo branch for teller-assisted withdrawal
- Requesting a temporary limit increase
- Using a linked account transfer to move funds digitally
- Withdrawing via your digital wallet or cardless ATM apps
Final Thoughts
Wells Fargo’s standard ATM withdrawal limit ranges between $300 and $1,000 per day, depending on your account type. You can request higher limits, deposit checks using ATMs, and access funds instantly for cash deposits. For more ATM information and alternatives, visit our
Find Nearest ATM Guide or explore
Cardless Cash App for modern, bank-free withdrawals.