I wanted to make it clear what Wells Fargo’s limits are on how much you can pay your bills each month. Since I often use Wells Fargo’s online banking and bill pay, I had to look into this myself when I started hitting some limits.
Bill Pay Limits
Wells Fargo does have limits on bill payments, both per transaction and in total. Here are the specifics:
- Maximum amount per transaction: $10,000
- Maximum total amount per day: $25,000
These limits apply to both individual payments as well as payments scheduled through Wells Fargo’s automatic bill pay
These limits are mostly put in place by Wells Fargo to stop fraud. It’s possible for fraud to be going on when big payments are sent to people who don’t usually get them. These limits help protect customers while still letting them choose how to pay their bills most of the time.
Hitting the Limits
I ran into the per transaction limit myself when I needed to make a large down payment on a big purchase. The payment was over $10,000, so I wasn’t able to process it through Wells Fargo’s online bill pay.
In this case, I had a couple options:
- Break the payment into multiple smaller transactions under $10,000 each
- Mail a physical check for the full amount
Ultimately, I decided to mail a check so I could send the full payment at once. But for regular monthly bills, breaking payments into smaller amounts works just fine.
Regarding the daily limit, I haven’t reached the $25,000 limit yet. But it could be useful for people or businesses with a lot of costs. One easy way to get around this is to split the transaction into several smaller ones.
Increasing Limits
If you do need your limits raised beyond the standard $10,000 per transaction and $25,000 per day, you can contact Wells Fargo to request an increase. They’ll ask about the reason for the increase, which accounts the payments are coming from, and possibly request additional verification. But in most cases, they’re able to accommodate reasonable requests.
The process is simple – just reach out to their customer service team by phone, chat, or email. I’d recommend having details about your payment needs handy when you contact them to speed up the process.
Payment Alternatives
Even with increased limits, Wells Fargo’s bill pay may not work for very large or urgent payments. In those cases, some alternatives to consider are:
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Bank wire transfer – Wires allow near instant transfers of large amounts directly to recipient accounts. Fees are higher though.
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Personal online payment services—Services like Zelle let people send money to each other without any limits But recipient must be enrolled with Zelle as well.
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Cashier’s check – For payees not set up to receive electronic payments, a cashier’s check may be the best option.
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External bill pay service – Some services like Plastiq offer bill pay with higher limits. But they charge a fee for the convenience.
The Bottom Line
Wells Fargo’s bill pay limits are in line with industry standards for security and fraud prevention. For most customers, the per transaction and daily limits accommodate regular bill payments. But understanding what the caps are and alternatives for larger amounts gives you options when you need to make a big payment. Reaching out to customer service can also get your limits increased when necessary.
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FAQ
Is there a limit to online Bill Pay?
Online bill pay usually doesn’t have a limit on how many bills can be linked. This means that credit card bills, rent payments, and utility bills can all be seen and paid at the same time.
Are there transaction limits at Wells Fargo?
We provide you your daily ATM withdrawal and purchase limits when you receive your Card. You can confirm or manage your card’s daily limits by signing on to Wells Fargo Online or the Wells Fargo Mobile® app, or calling the number on the back of your card.
Can you use Wells Fargo Bill Pay to pay a person?
With Bill Pay, you can pay almost any person or company in the U. S. securely and confidently, knowing your payments are covered by Wells Fargo’s Bill Pay Payment Guarantee.
What is the ACH limit for Wells Fargo?
What happens if Wells Fargo does not complete a bill payment?
If Wells Fargo does not properly complete a bill payment on or before the “Deliver by” date, we will pay any late fees or finance charges directly caused by a delay or error on our part. An instant payment cannot be canceled or changed, after it has been sent.
Does Wells Fargo limit online credit card payment?
Fun fact: Wells Fargo only lets you pay up to $5,000 in credit card bills online if you use a Wells Fargo bank account or call in the transaction. : r/personalfinance Fun Fact: Wells Fargo limits your online credit card bill payment to $5K unless you use a Wells Fargo bank acct (or phone the transaction in).
How many payments can I make from a Wells Fargo account?
This is evidenced by the fact that you can make as many payments as you want from a Wells Fargo account. This limit is arbitrary and only applies to non-Wellsfargo accounts. And every time you make a payment they always refer to it as your “non Wells Fargo account”. There’s nothing wrong with managing your credit card this way.
How do I pay my Wells Fargo Business credit card?
Your Wells Fargo business credit cards and loans are already there! Schedule your payments, amounts to pay, and when to pay them. Set up auto pay, and we’ll take care of the bill. You set the rules on timing and amount, and we follow them. We send your payments as you tell us, and confirm with an email.
Does Wells Fargo cover Bill Pay payments?
Wells Fargo’s Bill Pay Payment Guarantee does not cover Bill Pay payments made via financial management software or payments made to an email or U. S. mobile number using Zelle ®.
Can I pay my Wells Fargo credit card online?
Pay your Wells Fargo credit card and loan accounts online quickly and easily. We’ll even set them up for you automatically when you get started with Bill Pay. Note: We are unable to support payments to federal, state, local tax agencies, or court-ordered payments.
