The fastest way to check your balance

You can see your Wells Fargo savings account balance in three ways: through the Wells Fargo mobile app on your phone, through the website on a computer, or by calling their customer service number. The mobile app is usually fastest if you have a smartphone — you open it, sign in, and your balance appears on the main screen. If you do not have a smartphone or prefer a computer, the website works the same way.

You will need your username and password to sign in, or a card number and PIN if you have never set up online access before. If you have forgotten your password, both the app and website have a "Forgot password?" link that will walk you through resetting it.

Key Takeaways

  • The Wells Fargo mobile app shows your balance when ready once you sign in, and works even when you are away from home.
  • The website at wellsfargo.com works on any computer and shows the same information as the app, including recent transactions.
  • You can call Wells Fargo customer service at 1-800-869-3557 to hear your balance read aloud if you do not have internet access.
  • Recent deposits and withdrawals appear in your transaction history within one business day, though some transfers take longer.
  • Setting up alerts in the app or website can notify you when your balance drops below a certain amount or when a large transaction occurs.

Checking your balance on the Wells Fargo app

read the Wells Fargo Mobile app from the Apple App Store or Google Play Store, depending on whether you have an iPhone or Android phone. Open the app and tap "Sign In." Enter your username and password — these are the same ones you use on the website, if you have already set up online access.

Once you are signed in, your savings account balance appears on the home screen under your account name. Tap on the savings account to see more detail: your current balance, available balance (which may be different if a deposit is pending), and recent transactions. The available balance is what you can actually withdraw right now.

If you have never signed up for online access, you can create an account in the app by tapping "Enroll" and following the prompts. You will need your card number, Social Security number, and a PIN you create.

Checking your balance on the website

Go to wellsfargo.com on any web browser. In the top right corner, click "Sign In." Enter your username and password and click the sign-in button. If you see a security question, answer it — Wells Fargo uses this as an extra safety step.

Once you are signed in, you will see a dashboard showing all your accounts. Find your savings account in the list and click on it. The page will show your current balance, available balance, and a list of recent transactions going back several months. You can also read statements as PDF files if you need them for records.

If you have trouble signing in on the website, try clearing your browser's cache and cookies, then try again. If that does not work, use the "Forgot username?" or "Forgot password?" link on the sign-in page.

Checking your balance by phone

Call Wells Fargo customer service at 1-800-869-3557. A recorded system will ask you to enter your account number or the phone number associated with your account. After you enter this information, you can choose to hear your balance read aloud, or you can stay on the line to speak with a representative.

This method works if you do not have internet access or a smartphone. The phone line is available 24 hours a day, 7 days a week. You will not be charged for the call if you are calling from a number registered to your account.

Understanding what you see in your transaction history

Your transaction history shows every deposit, withdrawal, and fee that has moved money in or out of your account. Deposits appear as positive numbers (money coming in), and withdrawals or transfers appear as negative numbers (money going out). Each transaction shows the date it posted, the amount, and a description of what it was — for example, "ATM Withdrawal" or "Direct Deposit."

Transactions usually appear within one business day of when they happen. Some transfers between banks take longer — typically two to three business days. If you made a deposit at an ATM or through a mobile check deposit, it may show as "pending" for a day before it fully posts.

If you see a transaction you do not recognize, you can click on it to see more details, or contact Wells Fargo customer service to report it. Wells Fargo has fraud protection, and if an unauthorized transaction occurred, you should report it as soon as you notice it.

Setting up balance alerts

Both the app and website let you set up alerts that notify you when certain things happen with your account. You can set an alert to notify you when your balance drops below a specific amount — for example, $500. You can also set an alert for large transactions, so you get a notification if a withdrawal or transfer over a certain amount occurs.

To set up an alert on the app, open it and sign in, then tap the menu icon (three horizontal lines) and look for "Alerts" or "Notifications." On the website, look for "Alerts" in the top menu or in your account settings. You can choose to receive alerts by text message, email, or both. Alerts help you catch problems early and keep track of your account without checking it constantly.

What to do if you cannot sign in

If you have forgotten your username, go to wellsfargo.com and click "Forgot username?" on the sign-in page. You will be asked to enter your account number or the phone number on file, and Wells Fargo will send your username to your email address. If you have forgotten your password, click "Forgot password?" instead and follow the same process.

If you have never set up online access before, you will need to enroll first. You can do this in the app or on the website by clicking "Enroll" and providing your card number, Social Security number, and a PIN you create. Enrollment usually takes a few minutes.

If you are still having trouble, call Wells Fargo customer service at 1-800-869-3557. A representative can help you regain access to your account or answer questions about your balance.

Frequently Asked Questions

How often does my balance update?

Your balance updates in real time when you check it through the app or website. Transactions usually appear within one business day. If you see a pending transaction, it means the money has been authorized but has not fully posted yet — this typically takes one to three business days depending on the type of transaction.

Is it safe to check my balance on public WiFi?

It is safer to use the Wells Fargo app than the website on public WiFi, because the app uses stronger encryption. If you must use the website on public WiFi, make sure you are on the real wellsfargo.com website and not a fake one. Never use public computers to check your account if you can avoid it.

Why does my available balance differ from my current balance?

Your current balance is the total amount in your account. Your available balance is what you can withdraw right now — it may be lower if a deposit is still pending or if a hold has been placed on funds. Holds usually last one to three business days.

Can I check my balance without signing in?

No, Wells Fargo requires you to sign in to see your balance for security reasons. This protects your account from unauthorized access. If you do not have online access set up, you can call 1-800-869-3557 to hear your balance over the phone.

What should I do if I see an unfamiliar transaction?

Contact Wells Fargo customer service right away at 1-800-869-3557 or through the app. A representative can help you review the transaction and, if it was unauthorized, can start a dispute. Wells Fargo has fraud protection, and reporting quickly helps protect your account.