We understand life happens – get an extra day to add money to your account
No need to enroll
Extra Day Grace Period comes automatically with all personal checking and savings accounts
Make a deposit
Deposits include cash, direct deposits, transfers, Zelle®, and more
Avoid fees
We'll waive the overdraft fees if your available balance is positive as of 11:59 PM Eastern Time the next business day
How Extra Day Grace Period works
With Extra Day Grace Period, you can avoid the overdraft fees if your available balance is positive as of 11:59 PM Eastern Time the next business day.
After your grace period ends, if your available balance is not positive, a $35 fee may be charged for each overdraft up to a maximum of three.
Examples of deposits that increase your available balance the same business day include:
- Direct deposit
- Cash deposit
- Transfer from another account
- Wire transfer
- Zelle®
Certain transactions decrease your available balance during your extra day, including debit card purchases, transfers from your account, and other payments
Example of how Extra Day Grace Period works
On Thursday, your available balance is $20. That night, we pay a check you've written for $80, leaving your account overdrawn by $60 and subject to a $35 overdraft fee.
On Friday, we receive your deposit of $75 and you don't have other pending transactions, such as debit card purchases, as of 11:59 PM Eastern Time.
We'll waive the overdraft fee from last night's check since your available balance is sufficient to cover the amount of the overdraft item.
How Extra Day Grace Period works with multiple overdrafts
Extra Day Grace Period applies your available balance as of 11:59 PM Eastern Time to the prior business day's overdraft items in the order they posted to your account, so be sure to deposit or transfer enough money to cover all of your overdrawn balance.
If your available balance at 11:59 PM Eastern Time only covers some, but not all, of your overdraft items, you may still incur overdraft fees.
No fees charged
For example, your account balance is zero and you have three transactions paid into overdraft that posted in this order:
- $100
- $200
- $60
You make a deposit of $360 the next business day, and you don't have any additional pending transactions as of 11:59 PM Eastern Time.
Extra Day Grace Period applies $360 to cover all your overdrawn transactions.
All pending overdraft fees from the prior business day will be waived.
Fees charged
For example, your account balance is zero and you have three transactions paid into overdraft that posted in this order:
- $100
- $200
- $60
You make a deposit of $160 the next business day, and you don't have any additional pending transactions as of 11:59 PM Eastern Time.
Your $160 deposit is enough to cover the first overdraft item, but is not enough to cover the remaining two.
One pending overdraft fee will be waived, but you will be charged two overdraft fees for the items that were not covered.
How to avoid overdraft fees
Manage online
Set up account alerts and review any overdraft notices for details about pending overdraft fees and the amount of deposit needed to avoid them
Add funds
Deposit or transfer funds from sources such as cash deposits, Zelle®, or transfers from another Wells Fargo bank account
Watch the clock
Make sure your deposits and transfers are made with enough time to be included in your available balance by 11:59 PM Eastern Time
Check pending transactions
Remember that pending transactions, such as debit card purchases you make during the day, will reduce the balance available to cover overdrafts
Don’t want overdraft fees?
Consider Clear Access Banking, our checking account with no overdraft fees. Period.
Learn more
Extra Day Grace Period FAQs
Do I need to enroll for Extra Day Grace Period?
There is no need to enroll. Extra Day Grace Period comes with personal checking and savings accounts automatically.
What happens if I make a deposit after 11:59 PM Eastern Time (after my Extra Day)?
With Extra Day Grace Period, you can avoid the overdraft fees if your available balance is positive as of 11:59 PM Eastern Time the next business day.
After your grace period ends, if your available balance is not positive, a $35 fee may be charged for each overdraft up to a maximum of three.
What happens if I partially cover funds when my account is overdrawn?
If your available balance as of 11:59 PM Eastern Time is enough to cover some, but not all, of the prior business day's overdraft items, it will be applied to the transactions in the order they posted to your account (based on our posting order practices described in your Deposit Account Agreement). The Bank's standard overdraft fees will be assessed for items that weren't covered in time.
How do I know how much to deposit?
You can monitor your account using online banking at wellsfargo.com or mobile banking with the Wells Fargo Mobile® app. You can sign up for alerts that notify you when your account balance is at an amount you specify. You can also get your available balance at any Wells Fargo ATM, or by calling 1-800-869-3557.
Will you tell me when I'm overdrawn?
Yes. If you are already an Online Banking customer, we will attempt to alert you on the morning after you had any items paid into overdraft during our nightly processing.
Be sure to sign up for Online Banking so you can receive these notices in time to be alerted to actions you should take during the Extra Day Grace Period.
If you're not enrolled in Online Banking or have opted out of receiving these alerts, be sure to keep accurate record of your spending and account balance so that you can take advantage of Extra Day Grace Period.
How does Extra Day Grace Period work if I have Overdraft Protection?
If you have an account linked for Overdraft Protection and a transfer or advance of funds from the linked account covers your transactions for that business day, Extra Day Grace Period will not apply because there are no pending overdraft fees to avoid. However, if a transfer or advance of funds from a linked Overdraft Protection account is not sufficient to cover all of your transactions, Extra Day Grace Period will apply to any transaction that is paid into overdraft and that has a pending overdraft fee. Extra Day Grace Period does not reverse the transfer or advance of funds from your linked account, and advances from linked credit accounts accrue interest from the date of the advance in accordance with the terms of your applicable credit agreement.
Still have questions?
Chat
For questions about new accounts.
Call Us
For existing accountholders or questions:
1-800-869-3557
Find a Location
Make an Appointment
Subject to the Bank's funds availability policy including any applicable holds on deposits and deposit cutoff times which can impact your available balance. Examples of deposits that provide same business day availability if made before the posted cutoff time are cash, electronic direct deposits, account transfers, Zelle®, and incoming wire transfers. Business days are Monday through Friday, excluding federal holidays.
With Extra Day Grace Period, when your personal account is overdrawn, you have an additional business day (extra day) to make covering deposits and/or transfers to avoid the prior business day’s overdraft fees. If your account’s available balance as of midnight Eastern Time on your extra day is enough to cover the prior business day’s overdraft items, the pending overdraft fees for those items will be waived. If your available balance as of midnight Eastern Time is enough to cover some, but not all, of the prior business day’s overdraft items, we’ll apply your available balance to the transactions in the order that they posted to your account. Any transactions not covered by midnight Eastern Time are subject to applicable overdraft fees. All deposits and transfers are subject to the Bank’s Availability of Funds Policy. Please see the Wells Fargo Deposit Account Agreement for more details.
Other fees may apply, and it is possible for the Clear Access Banking account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement for details.
Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.
Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier's message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.
Available balance is the most current record we have about the funds that are available for your use or withdrawal. 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. 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.
Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking accounts.
The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.
Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Overdraft fees do not apply to Clear Access BankingSM accounts. Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement for details.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
QSR-08092025-6387294.1.1
LRC-0224
