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Since eChecks rely on financial institutions to process the transaction, most are limited to business days. Your payment will process three to five business days after your transaction is authorized. For example, if you make a payment on Monday, your payment could clear as early as Thursday.
The amount of time a bank can legally hold your check will depend on the type of check you are depositing and your deposit method. Under Regulation CC, banks must provide a reasonable period to make funds from a customers account available, which generally ranges from one to five business days.
Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 13 business days.
Wells Fargo Banks general policy is to make deposited funds available on the first business day after the Bank receives a deposit. In some cases, however, we may place a deposit hold on these funds and delay availability for up to 7 business days.
You can schedule an appointment with a personal banker for document review by visiting your local Wells Fargo branch or contacting the Wells Fargo Phone Bank at 1-800-TO-WELLS (1-800-869-3557).
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If you are ever unsure about a check youve received, we are here to help. Bring the check to your local Wells Fargo branch and let us assist you. Make sure to provide as much information about the situation as possible, such as the reason for the check and whether or not youre being asked to send money back.

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