The easiest way to get cash as a Wells Fargo customer is by walking to the nearest ATM and making a withdrawal. All Wells Fargo debit cards allow for ATM withdrawals, and if you’re using a machine in the bank’s network, the transaction should be free.
Like with every other bank in the United States, there are specific limits associated with withdrawing from an ATM. If you use a lot of cash in your daily transactions, you may want to know what these limits are before creating an account with Wells Fargo.
In this article, I’ll show you the ATM withdrawal limit for Wells Fargo. Since there are many different kinds of debit cards and bank accounts you can hold with the bank, this article will outline the max ATM withdrawal Wells Fargo.
What’s the Max ATM Withdrawal Wells Fargo?
Like every other bank in the United States, Wells Fargo imposes a maximum ATM withdrawal limit on every checking account with the bank. When you hit this limit, you’ll be unable to withdraw anything else from your account for that day, but what’s the maximum ATM withdrawal limit?
Every Wells Fargo checking account has a maximum daily withdrawal limit of $1,500 and a maximum daily ATM limit of $300. That’s only the case, of course, if you have up to that amount in your checking account, to begin with.
However, according to the official support documents from Wells Fargo, it seems like the bank reserves the right to set a dynamic ATM withdrawal limit for individual customers based on their spending activity. So, your actual maximum ATM limit could be very different from what was indicated here.
That begs the important question: how do you determine the max ATM limit for Wells Fargo when it’s seemingly different for everyone? The answer is pretty simple, but before we get to that, it’s crucial to learn about another important aspect of ATM limits with Wells Fargo: deposit limits.
What’s the Max ATM Deposit Limit Wells Fargo?
Most Wells Fargo ATMs will allow you to deposit money directly from the machine. When you choose to deposit to your account directly through an ATM, you can insert dollar notes or a check. You should note two things with Wells Fargo and deposits: firstly, it’s only guaranteed to work on Wells Fargo machines, and secondly, there are no known limits.
After combing through the support documents on the Wells Fargo website, it’s increasingly seeming like the bank doesn’t have a definite limit for deposits because it doesn’t exist anywhere. When you understand why banks impose limits, you’ll understand why it makes sense to not have a deposit limit.
For the uninitiated, one of the most important reasons why ATM limits exist is to ensure the bank has enough money to handle all transactions for the day. Since you’re adding to the cash they have within when you deposit from an ATM, why should they even care to restrict you?
How to See Your Max ATM Withdrawal Wells Fargo
With all that has been said so far, one thing is clear: there’s no ATM withdrawal limit set in stone for all Wells Fargo customers. Since everyone’s withdrawal limit is different, there should be a way to check yours to know how much cash you can get from an ATM, and there is.
There are several ways to view your Wells Fargo ATM withdrawal limit. For one, you can sign into Wells Fargo’s internet banking portal to see the limits. After signing into your account, head over to the “Card details” section and it should bring up all the withdrawal limits associated with your card.
Alternatively, you can call the support number on your account statement or on the back of your card to inquire about the limits associated with it. The default limit should also be on the printed materials on the package that came with your card if you still have them.
Lastly, you can simply walk into a Wells Fargo branch and ask for the withdrawal limit on your card. It may seem like an extreme measure, but it is the best move if you’re using a machine near a bank branch.
If you’re someone who constantly needs to use loads of cash, you may find your maximum ATM withdrawal limit a bit lacking. However, you don’t have to live with it. The following section will show you how to get more cash than your Wells Fargo ATM withdrawal limit allows.
How to Increase ATM Withdrawal Limit for Wells Fargo
If Wells Fargo’s official support documents are anything to go by, the official ATM withdrawal limit on your account is not set in stone. You can always get a positive change if the bank thinks you’ve spent enough to warrant that, but you have to ask first.
If you need to increase the ATM withdrawal limit associated with your Wells Fargo account, simply reach out to the bank and make your request known. You can talk to a banker at any Wells Fargo branch or call the number on the back of your ATM card to request an increase.
Wells Fargo will review the request and make its decision known. If you have a robust spending history, there’s a pretty good chance that you’ll get a temporary increase on your withdrawal limit, but the bank reserves the right to reject your request either way.
You can get more cash after reaching your ATM limit by getting cash back at stores. If you have multiple debit cards, you can also transfer money to a separate one since the ATM limit is associated with the card and not the account. Cashing a check also doesn’t eat into your ATM withdrawal limit for the day.
Wells Fargo has one of the most attractive checking accounts of all US banks, but with an unfortunately low ATM withdrawal limit. If you need to get a lot of cash in a single day from your Wells Fargo account, you may have to contact the bank to ask for an increase to your limits.