How to set up Wells Fargo direct deposit in 3 easy steps?

Adam Rozsa

Getting paid by direct deposit can mean you get your salary or federal benefits faster. You’ll need to take a few simple steps to get your direct deposit with Wells Fargo all set up - but then you can sit back as your payments are deposited right in your account for convenience.

This guide covers how to set up direct deposits with Wells Fargo, including troubleshooting common issues, and completing the Wells Fargo direct deposit form.

We’ll also introduce Wise as a simple way to send and spend money internationally with low fees and the real exchange rate. If you need to pay for your vacation or are simply planning an online shopping spree with your favorite international retailers once your pay hits, you need Wise.

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📝 Table of contents

What is direct deposit?

Direct deposit payments are available for many regular deposits including your salary, pensions, dividend payments and any federal benefits you might receive through the U.S. Treasury. With a direct deposit, your money arrives in your bank account automatically as soon as it’s released by the depositor. You won’t need to collect a check or visit a branch to deposit it - making the whole process faster and more secure.

To set up a Wells Fargo direct deposit, you’ll usually just need to complete the direct deposit application form and hand it to your employer or any other eligible depositor. There’s even a prefilled form available on the Wells Fargo online banking system, to speed things up.

wells fargo direct deposit

How to set up Wells Fargo direct deposit in 3 easy steps?

Set up your Wells Fargo direct deposit by taking just a few easy steps:¹

  1. Download and complete the Wells fargo direct deposit form² - you can also access a prefilled form in online banking to cut admin time
  2. Print your form and hand it to your employer or the company or agency that pays you
  3. Keep and eye on your account to see the payments arrive once activated

To complete the direct deposit application, you’ll need to enter:

You can choose to have your money deposited into your checking account, a savings account or even a prepaid card. Full details of how to complete the required information are on the direct deposit form.

What time do direct deposits usually hit for Wells Fargo?

You have immediate access to your money on the day of deposit. Although Wells Fargo does not publish a deposit time, current users of the service state in online reviews that the money is typically available early on the morning of the expected deposit.

How long does it take for my direct deposit to go through?

Once you submit your paperwork to set up direct deposits, your payroll department will need to process it to begin your direct deposit payments. This may take one or two payment cycles depending on their processes.

Once your direct deposit is active, you can monitor deposits arriving into your account by setting up a transaction alert on Wells Fargo online banking. This will allow you to see straight away when the direct deposit hits your account.

wells fargo direct deposit

Wells Fargo direct deposit: Should you set one up?

Wells Fargo lists out several advantages of setting up a direct deposit to get paid conveniently. Check these out:

  • Direct deposits are convenient - get paid even if you’re not in the office on payday
  • Direct deposits are fast - you’ll get immediate access to your money on the day of deposit
  • Direct deposits are safe - unlike checks, direct deposit payments won’t be lost, delayed or stolen
  • Set up automatic saving from your Wells Fargo account to add to your savings pot every time you get paid
  • Set up automatic payments through Wells Fargo to pay your bills as soon as your salary lands

Save on international transfers with Wise

Direct deposits with Wells Fargo are quick and convenient. So is Wise.

If you’re sending money overseas, remitting a payment to family, or shopping with international retailers, Wise low cost currency conversion can help you save. You’ll always get the real mid-market exchange rate when you exchange money, and you can make payments quickly all over the world.

Payments are fast, set up online or in the Wise app, and will be deposited into your recipient’s bank account directly. See how much you can save with Wise today.

Learn more about Wise

Frequently asked questions

What number do I give for Wells Fargo direct deposit?

To set up Wells Fargo direct deposits you need your 9 digit routing number and your account number which is a maximum of 13 digits. Find your Wells Fargo routing number here or on your checks - your account number is also printed on your checks, or available in online banking.

Why didn't my direct deposit go through Wells Fargo?

If your direct deposit didn’t arrive when you expected it to, the first place to ask is your company’s payroll department. Wells Fargo should make payments available as soon as they’re released by the depositor - that means that delays may be caused if the payroll runs late or misses a Wells Fargo deadline.

What time do direct deposits usually hit for Wells Fargo?

Wells Fargo direct deposits are usually available early on the day they’re released by the depositor. Set up account alerts to see exactly when your payment hits.

If you’re getting paid by your employer, receive military pay or VA benefits, social security, dividends or a pension, direct deposits can mean you get your money faster. Take a look at Wells Fargo direct deposits as a simple way to have payments arrive in your account with no hassle and no need to wait to collect and deposit a check.


1]Wells Fargo - how to set up direct deposit
2]Wells Fargo direct deposit form

All sources checked on 26 August 2021

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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