Wells Fargo offers many services to help avoid overdrafts or declined transactions.

1. Overdraft Rewind ®

With this free account feature, when the bank receives your electronic direct deposit by 9:00 am local time, we will automatically include this amount in a reevaluation of the prior day's transactions that resulted in an overdraft or returned item (non-sufficient funds/NSF) fee. The bank will calculate a new balance, which includes your pending direct deposit (less any pending debits) and use this amount to reevaluate the prior day's transactions on your account and waive any fees for transactions that would have been covered by your direct deposit. Learn more

2. Online, Mobile and/or Text Banking Tools

Monitor your account activity, transfer funds, and set up a low balance alert.

See "Avoiding Overdrafts" below for details.

Consider our optional Overdraft Services:

We offer two overdraft services to help you manage your checking account. Both services are optional and can be added or removed at any time. If you are enrolled in both services, we will first use Overdraft Protection — which has a lower fee — to cover your overdraft. Optional overdraft services, such as Overdraft Protection and Debit Card Overdraft Services, are not available for Clear Access BankingSM accounts.

3. Overdraft Protection

You can link up to two eligible accounts (one savings , one credit) to your checking account, and we will use available funds in those linked account(s) to cover your transactions if you don't have enough money in your checking account.

, one credit) to your checking account, and we will use available funds in those linked account(s) to cover your transactions if you don't have enough money in your checking account. A single Overdraft Protection transfer or advance fee will be assessed regardless of the number of transactions covered or whether money is transferred from multiple accounts. You can avoid the fee by making a covering deposit or transfer before the cutoff time on the same business day. The amount of the fee depends on which account the money is transferred from.

or transfer before the cutoff time on the same business day. The amount of the fee depends on which account the money is transferred from. See "Overdraft Protection" below for details.

Tip View our demo and see how to help avoid overdraft fees.

4. Debit Card Overdraft Service

You can choose whether your ATM and everyday (one time) debit card transactions may be approved, at the Bank's discretion, if you don't have enough money in your checking account or in accounts linked for Overdraft Protection at the time of the transaction.

If Debit Card Overdraft Service is used to approve a transaction into overdraft, our standard overdraft fee of $35 per item will apply unless a covering deposit or transfer is made before the cut-off time on the same business day.

will apply unless a covering deposit or transfer is made before the cut-off time on the same business day. See "Debit Card Overdraft Service" below for details.

You can learn more about these two overdraft options in the sections below or in our Consumer Overdraft Services / Choices to help you manage your checking account (PDF)