How to Access Wells Fargo Checking Account Online

You may have heard about Wells Fargo ATMs and may even be considering one for yourself. However, you might not be sure what an ATM is and how it works. An ATM machine, also known as cash machine, is an electronic machine that is used to take money from a customer's account. The customer deposits funds into his account, and the machine electronically deducts money from his account each time he takes money from his account.

A Wells Fargo ATM is part of a preferred checking account program. Your bank likely set up your account with a preferred checking account offer in order to let you benefit from a service they offer that isn't offered to everyone. Preferred checking accounts are pre-paid funds in your checking account that aren't available to non-customers. Fees for these types of accounts vary, and you should always check with your banking company to understand the terms of your preferred checking account offer.

The Wells Fargo ATM machine allows customers who use it to pay bills and cash their checks online. Customers can also use it to take money from their accounts. Customers will usually see a red flag on their screen if they try to take more money out of their account than they've already withdrawn from it. This typically means that the customer's account is overdrawn. If you're going to use your Wells Fargo ATM to take money out of your account, it's important that you only take out as much money as you'd like to, and only take it out on paydays when you know you won't be using your Wells Fargo ATM to withdraw any more money.

Many customers mistakenly think that their Wells Fargo ATM has a debit card feature. While the ATM does offer a debit card, it doesn't feature a traditional credit card terminal. Because of this, it isn't advisable to use your Wells Fargo ATM to make any online purchases unless you're taking an advance on your checking account. There are a variety of fees associated with using your Wells Fargo ATM to make online purchases, and they include an annual service fee and a one-time transaction fee. If you choose not to pay these fees, or if your account is limited for overdraft protection, then you may be restricted to taking advantage of the free checking account feature.

You should know exactly what your limit is before you set it up. To determine your limit, look at your bill to see how much cash you have in it, plus the amount of authorized online charges you've made in your account. Then figure the monthly amount you'll need to withdraw from your bank account and divide it by the total balance. Your limit will be the number of tickets you're willing to carry.

Set up your account with the Wells Fargo ATMs so that you have a list of all your cards and their respective account numbers. When you're shopping online, you'll need your account number for each card you wish to check out. This account number will appear on the ATM receipt, or on your statement, giving you important information about your withdrawal. It's also beneficial to keep this account number on hand so that you don't have to come up with the PIN number too many times when withdrawing.

Know how many transactions you'll be able to make in any given day. You'll want to stay well within the limit, especially if you anticipate making large purchases online. The limit will vary according to your account, as well as the card you have with Wells Fargo. For example, a savings account can have a lower limit while a checking account can have no limit. Be sure to read your statement and your bank's rules carefully, especially the APRs, to stay within your Wells Fargo ATM limit.

Know when you're close to reaching the end of your billing cycle. If you find yourself at the end of your billing period and have to pay your bills before the next bill comes due, know where to go and what you'll need to bring to the establishment to reset the balance. Knowing how long you'll have to wait before your balance drops will help you to better budget your spending. Finally, you'll want to set your date for payment. Your payment will automatically be posted to your Wells Fargo ATM account, and it's important to make the payment on time.