Debit Card Questions – Wells Fargo (2024)

Contact us right away when your card is lost or stolen.

Sign on to Wells Fargo Online^® to request a replacement card.

Or call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit or ATM cards.

For business debit or ATM cards call 1-800-CALL-WELLS (1-800-225-5935).

Note: If you lose your card while traveling outside the United States, you have two options:

1. Call us collect, then follow the voice instructions:
   1. If you lose your personal card: 1-925-825-7600
   2. If you lose your business card: 1-916-480-3190
   3. Find international access codes to use to contact our toll-free customer service numbers
      
2. Sign on to your Wells Fargo Mobile^® app to request a replacement card.

You can request that your replacement card be mailed to your travel destination.

Remember, your card comes with Zero Liability protection at no extra cost, which means you will be reimbursed for unauthorized transactions that you report promptly.

If your card is not functioning properly or is damaged, request a replacement card. Sign on at wellsfargo.com/replacemycard, use your Wells Fargo Mobile app, call the number on the back of your card, or visit any Wells Fargo branch. If your current card was customized via the Card Design Studio^® service, your replacement card will have the same image.

You will receive a new card with a new expiration date and security code (on back of card) within 5 to 7 calendar days. Your card number will not change, and your current PIN will continue to work with your new card. If you have added your card to a digital wallet and you are in possession of your device (your device is not also lost or stolen), we will update your digital wallet with your new card information so that you can continue using your digital wallet while you wait for your new card to arrive.

It usually takes 5-7 calendar days to receive your replacement card. If you think that your card should have arrived by now, call us:

Personal debit or ATM cards

1-800-TO-WELLS (1-800-869-3557)

Business debit or ATM cards

1-800-CALL-WELLS (1-800-225-5935)

If you have misplaced your card and need time to find it, you can temporarily turn your card off to help prevent unauthorized card transactions. Please note that previously authorized recurring payments, credits, refunds, and reversals may be approved while your card is turned off.

When you find your card, you can turn it back on. Sign on to Wells Fargo Online or your Wells Fargo Mobile app to access Turn Card On or Off.

You can also call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit cards. For business debit cards call 1-800-CALL-WELLS (1-800-225-5935).

If you think your card has been lost or stolen, report it to us immediately. You can order a replacement card online, from your Wells Fargo Mobile app or by calling us. For personal cards call 1-800-869-3557. For business cards call 1-800-225-5935.

When you receive your debit card by mail, you should activate it right away. There are three ways to activate your debit card:

Note: PIN may be required when activating your debit card. If you don't already have a PIN, it would have been mailed to you separately from your card.

1. Activate it online or from your Wells Fargo Mobile app.
2. Call the toll-free phone number on the sticker attached to the front of your card.
3. Use your card at any Wells Fargo ATM.

Once you have activated the card online or by phone, peel off the sticker and sign the signature panel on the back immediately. If activating using the ATM, remove the sticker before using the ATM. Destroy your old card and begin using your new card if applicable.

You will receive a new or replacement card within 5 to 7 calendar days.

For new cards, if you didn't select a PIN when you requested your new card, you can expect to receive a system-generated PIN in the mail a couple of days after you receive your card.

You can use your current PIN with your replacement card.

Contact us immediately at 1-800-869-3557. Find more about how to report identity theft. You can also learn more about keeping your account secure at the Security Center.

If you receive a replacement card:

• Activate the replacement card right away. You can activate your card any of three ways:
  • Sign on to Wells Fargo Online or from your Wells Fargo Mobile app.
  • Call the toll-free phone number on the sticker attached to the front of your card.
  • Remove the sticker and sign the signature panel on the back immediately. If you activate using a Wells Fargo ATM, please remove the sticker before inserting it at the ATM.
  • Use your card at any Wells Fargo ATM.
• Destroy your old card and begin using your new card.
• Notify merchants that directly bill your card about your new card number, new expiration date, and security code to ensure your payments continue as expected.
• Monitor your account for any transactions you did not authorize and report them promptly to Wells Fargo to help protect your account.
• If you have added your card to a digital wallet, you can continue to use your digital wallet after promptly activating your new card.

• Online and mobile banking provide you with access to your card activity and account information anytime, almost anywhere. You can view your card purchases, payments, ATM usage, and deposits.
• Debit card alerts are available to stay informed of your card activity by enrolling in Wells Fargo Online and setting up alerts to track your purchases and ATM withdrawals.
• My Spending Report provides you your own automated report online so you can view your card and other account activity by spending category.

Wells Fargo cannot post your debit card transaction until the merchant submits the transaction to us for payment. A few things to keep in mind:

• Generally debit card transactions post within 1 to 3 days of when you make the purchase. However, the timing of when a debit card transaction will post can vary from the very same day to several weeks later.
• In rare circ*mstances such as using your debit card online to buy an item that is back-ordered, the merchant can submit the transaction up to several weeks later.
• Because of this, it's important you keep track of your account balance and pending card transactions, scheduled bill payments, checks written, and more, to ensure that you have adequate funds in your account to cover pending items.

Sign on to set up alerts.

Have more questions about alerts? View debit card alerts.

Yes, there are two easy ways to customize the look of your debit card.

1. At a Wells Fargo branch: You can select from a catalog of images to place on your new or replacement card. You should receive your card within 5 to 7 calendar days of selecting an image.
2. Use the Card Design Studio® service to customize your debit card using your own image or select an image from our online library. Business debit card holders also can add their business logo and taglines.

For more information on personalizing your card, visit the Card Design Studio service.

If your card is available for customization, you will find it listed as Eligible on the Card Design Studio service page. If you are a Wells Fargo customer, you can use the Card Design Studio service as long as:

• You have an eligible and activated personal debit card or business debit card. Cards not eligible for customization include Wells Fargo Private Bank Debit Cards, business deposit cards, Campus Cards, and ATM cards.
• Your accounts are in good standing.
• You have access to your cards via Wells Fargo Online.

Wells Fargo helps you to protect your cards and accounts with:

• Zero Liability protection: Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost. You will be reimbursed for promptly reported unauthorized card transactions.
• Chip technology: Your card has chip technology that provides added security because it is extremely difficult to counterfeit or copy when used at a chip-enabled merchant terminal or ATM. Wells Fargo contactless debit cards come with chip technology. The chip on your card does not store any of your personal information.
• 24 /7 fraud monitoring: We regularly review your accounts for unusual activity. If you receive an alert from us for potential suspicious card activity, review and respond promptly to verify the transactions. You do not need to enroll to receive this alert.
• Alerts: Stay informed of your card activity by enrolling in Wells Fargo Online, and setting up the debit card alerts to track card purchases and ATM withdrawals.

Learn more about debit card alerts.

Wells Fargo contactless debit cards and chip-only ATM and debit cards come with a chip on the front of the card, as well as the traditional magnetic stripe on the back. The chip provides added security when used at a chip-enabled merchant terminal or ATM and greater global acceptance. When you insert your chip card into a chip-enabled terminal, or when you tap your contactless debit card at a merchant terminal or Wells Fargo ATM, a unique security code is generated. This makes it extremely difficult for anyone to reuse your information and better protects you against counterfeit card fraud.

Many countries have adopted chip technology and it is becoming the standard for card payments in the U.S. If a merchant or ATM has not yet adopted chip technology, your transaction will be processed using the magnetic stripe as it is today.

Wells Fargo contactless debit cards allow you to tap your debit card against a reader instead of inserting or swiping your card. When you tap or hold your card near the Contactless Symbol on a merchant terminal, you can securely make a payment. Contactless debit cards come with chip technology, which provides added security when the card is tapped or inserted at a contactless- or chip-enabled merchant terminal or ATM. Contactless cards also come with a magnetic stripe, so you can use the magnetic stripe if a terminal is not yet contactless- (or chip-) enabled.

Learn more about the contactless card.

Yes. We regularly review accounts for unusual activity and may send you an alert asking you to verify a particular transaction. You do not need to enroll to receive this alert.

We may also notify you about changes to your debit card such as when your debit card has been added to a digital wallet or when your card is about to expire and you should confirm the shipping address for the new card.

Yes, you can use your debit card while traveling outside the U.S. Please view your card terms and conditions to see the fees associated with using your card overseas.

Please note, it is highly recommended that:

• You insert or tap your card to make a purchase when overseas. Chip cards, including contactless cards which come with a chip, have become the standard type of card used internationally, both for purchases and ATM access. Where you see the Contactless Symbol, you can insert your card or tap your contactless debit card. Note: Some overseas merchants do not support using the swipe feature for your card.
• You have a four-digit PIN.
  • Most ATMs outside the U.S. require a four-digit numeric PIN.
  • If you have an alphabetic PIN, translate the letters into numbers by using the keypad at a Wells Fargo ATM before you travel. You can also do this by visiting a Wells Fargo branch or calling the number on the back of your card.

Make sure your card is ready to travel:

• Confirm your contact information is up to date so we can contact you if we detect unusual activity.
• Turn on international usage for your debit card in card controls if you're traveling outside of the United States.
• Know your card's daily dollar limits for purchases and ATM cash withdrawals. Manage debit card limits*, and view or adjust your daily dollar limits in the Wells Fargo Mobile^® app and in Wells Fargo Online^®.
• Ensure your card has a four digit PIN so you can access foreign ATMs.
• Insert or tap your card to make contactless payments wherever you see the contactless symbol.

Travel tips

*Must have an eligible debit or ATM card, and ability to change limits is subject to available balance in primary linked account and other factors. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

If your card is lost or stolen, you can report it online or sign on to your Wells Fargo Mobile app to request a replacement card. You can also call us toll-free at 1-800-TO-WELLS (1-800-869-3557) for personal customers and 1-800-CALL-WELLS (1-800-225-5935) for small business customers. You may also visit a local Wells Fargo branch to speak with a banker. If you lose your card while traveling outside of the U.S., you can report it online or call us collect at 1-925-825-7600 for personal customers or 1-916-480-3190 for business customers and then follow the voice instructions.

Your replacement card will have a new card number and expiration date. Your card's PIN and ATM cash withdrawal and purchase daily dollar limits will remain the same.

If you have added your card to a digital wallet and you are in possession of your device (your device is not also lost or stolen), we will update your digital wallet with your new card information so that you can continue using your digital wallet while you wait for your new card to arrive.

If you report your lost card online, you can choose to send your replacement card to a temporary address which could be helpful while you are traveling.

See more travel tips.

If you have trouble using an ATM in a foreign country, it might be because you do not have a four-digit numeric PIN, or because you are using an ATM that is not in a network in which we participate. If you have a debit card, you can use non-Wells Fargo ATMs that display the Visa^® or Plus^® logos. If you have an ATM card, you can use ATMs that display the Plus^® logo.

See more travel tips.

Please view your card terms and conditions to see the fees associated with using your card overseas.

See more travel tips.

If you know your current card PIN and want to change it, you have three options:

1. Sign on to Wells Fargo Online, select Change your PIN from the Cards menu, and follow the directions.
2. Visit a Wells Fargo ATM or branch — just be sure to have your card and identification with you.
3. Call the phone number on the back of your card and follow the automated customer service options.

If you can't remember your PIN and need a new one, you’ll need to bring your card and identification to a Wells Fargo branch, or call the customer service number found on the back of your card or your account statement — you can have a system-generated PIN mailed to you.

There is a daily maximum limit on the dollar amount of the purchases you can make with your debit or ATM card. Your card also has a maximum limit on the dollar amount of cash withdrawals you can make each day. Your purchases and ATM withdrawals also are subject to the available balance in your account.

To see or manage your card's purchase and ATM withdrawal daily dollar limits, you can:

• Sign on to Wells Fargo Online to conveniently manage your card limits.
• Call the number on the back of your card (or your account statement).
• Visit your local Wells Fargo branch.
• View the printed materials that came with your card.

Your Wells Fargo Business Debit Card comes with two Visa services to help protect your purchases.

• Visa Purchase Security: If eligible items you buy with your business debit card are lost, stolen, or accidentally damaged, they'll be replaced or repaired at no charge to you.
• Visa Extended Warranty Protection: You can extend manufacturer's warranties, up to one additional year, on items you purchase with your card.

For more information, see Your Guide to Card Benefits for Visa Business Card (PDF).

• You can use a digital wallet instead of your physical Wells Fargo Debit Card to access any Wells Fargo ATM. Simply access your digital wallet and tap your mobile device near the Contactless Symbol on the ATM.
• Get started by adding your Wells Fargo Debit Card to a digital wallet supported by Wells Fargo. (See Digital Wallet Basics for instructions on how to add your card to a digital wallet.)

To use your mobile device at a Wells Fargo ATM:

• Access your mobile device's digital wallet (with a PIN, pattern lock, fingerprint, or iris/face scan).
• Hold your mobile device near the Contactless Symbol on the ATM.
• Enter your card's PIN into the ATM when prompted, and then select and complete your transaction.

Yes, you can use a contactless debit card plus your PIN to tap for access at any Wells Fargo ATM.

If you wish, you can insert your contactless debit card anytime for access at Wells Fargo and non-Wells Fargo ATMs that display the Visa^® or Plus^® logos.

You can see the fees associated with your card on your card terms and conditions.

You can link your debit or ATM card to up to 22 accounts:

• 5 Checking
• 5 Savings
• 5 Money Market or Market Rate Accounts
• 5 Credit Cards
• 2 Lines of Credit (Home equity lines only. Exception: Any Home Equity Line of Credit secured by property in New York or Texas are prohibited for linkage by state law).

To see your linked accounts:

1. Sign on to Wells Fargo Online.
2. Select Card details for your card.
3. Find which accounts are linked to your card.

For more information about services through Visa for business debit cards, see Your Guide to Card Benefits for Visa Business Card (PDF).