(8 Reasons) Wells Fargo mobile deposit not working (Solved)

Is Wells Fargo mobile deposit not working for you?

Are you not able to deposit your check via Wells Fargo mobile deposit?

If you are having trouble with the Wells Fargo mobile deposit, you have landed in the right place. Here in this post, we have provided reasons why it may not work and what you can do from your end to fix the issue.

So, let’s get started.

Why is Wells Fargo mobile deposit not working

Short Answer: Wells Fargo mobile deposit is not working for you because you might have internet issues, you have not endorsed the check, servers of Wells Fargo are having issues, images of the captured check are blurry, incorrect information, there may be a deposit limit, etc.

Below, we have explained all the reasons why Wells Fargo deposit may not work for you.


1. Internet issues

If you are having issues while depositing your check via the Wells Fargo mobile banking app, your internet connection could be the culprit.

You can run a speed test to make sure that your internet isn’t the problem that is affecting the loading of the Facebook app.

To run a speed test, you can use any online service or app such as fast.com or speed test by Ookla.

Switch your internet:

If you are connected to Wi-Fi, you can try using the Wells Fargo app via your mobile data.

If you are already using your mobile data, you can try connecting to any Wi-Fi.

While connecting to any public Wi-Fi, make sure that it is safe and avoid connecting to any open Wi-Fi for security reasons.

If your internet is fine, you can proceed further to the other methods listed below to fix Wells Fargo mobile deposit not working issue.

2. Wells Fargo server down

Moving forward, another reason why Wells Fargo mobile deposit is not working for you could be that the servers of Wells Fargo are having issues.

It’s generally a good idea to know whether the issue lies on the customer side or on the server-side.

If the issue lies on the server end, you won’t be able to do much apart from contacting the support channels.

With that said, there are a couple of online services that help you to check the server status of Wells Fargo for free.

We would recommend you to visit the Downdetector page for Wells Fargo. Here you can see the number of reports and user’s comments; if the reports have a significant number, it clearly indicates that servers of Wells Fargo are having issues.

Wells Fargo servers down

If the servers are having, you would like to use Wells Fargo mobile check deposit after some time.

Similarly, you can use other online server status services to check the server status of Wells Fargo.

If the servers of Wells Fargo are working fine, the issue might be from your side. So, follow the other methods listed below.

3. You haven’t endorsed the check

Another common reason your Wells Fargo mobile check depositing is not working or your check is getting declined is that you haven’t endorsed the check (signed the check).

Yes, it is necessary to sign the check while submitting it via the Wells Fargo mobile deposit feature.

4. Deposit limit

Another reason you are not able to submit your check via the Well Fargo mobile check deposit could be the deposit limit.

Wells Fargo imposes daily and monthly limits on the total dollar amount of check deposits you can make via mobile deposit.

The Wells Fargo mobile deposit limit is $2,500 per day, and $5,000 over a 30-day period.

5. Incorrect details

As you already know, Wells Fargo asks the user to enter details during the check depositing. And if you want your check deposit to succeed, you must make sure that the details you are submitting are correct.

Ensure your account number and routing number are correct and match your check.

So, check the details twice before the final submission.

6. Issue with check images

Another most common reason why most people have issues while depositing their checks via Wells Fargo mobile banking app is that they do not capture the images of check properly and clearly.

Wells Fargo asks the users to upload images of the scanned images of the check from both the front and back sides. This is required for the verification procedure.

But, blurred images are rejected right away. So, make sure to capture clear photos. All the details must be visible clearly.

Also, make sure to capture the full image of the check and do not cut any corner of the check while capturing its image.

Moreover, note that your shadow isn’t falling on the check.

In a nutshell:

  • Clear your smartphone’s camera lens before capturing an image.
  • Capture the image of check in a bright light condition.
  • Do not upload a blurry image.
  • Do not cut the corners of check.
  • Make sure your shadow doesn’t fall on the check.

7. Wells Fargo mobile app technical problem

Moving forward, another reason for Wells Fargo mobile check deposit not working could be due to several technical issues.

It could be that Wells Fargo is experiencing issues, especially with the check depositing feature.

Wells Fargo app might be having issues and bugs that could be causing some features not to work as they are intended to.

So, in this case, make sure you are using the latest version of the Wells Fargo app.

To download the latest version of Wells Fargo mobile app:

  1. Open the Google Play Store or App Store
  2. Search Wells Fargo.
  3. If the update is available, just download it.

Wells, we would also suggest clearing the cache of the Wells Fargo mobile app, just in case cache is causing the issues.

  1. Head over to the settings of your smartphone
  2. Go to ‘Apps’ or Applications
  3.  Search for Wells Fargo.
  4. Tap on ‘Data and Storage’
  5.  Tap ‘Clear cache.’

Note: These setting will differ slightly from device to device.

8. Account type

Lastly, you are not able to deposit your check because your account may not support the feature to deposit the check.

As per Wells Fargo:

Mobile deposit is only available through the Wells Fargo Mobile® app. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for other terms, conditions, and limitations.


Q1. If I deposit a check when will it be available Wells Fargo

Wells Fargo Bank’s general policy is to make deposited funds available on the first business day after the Bank receives a deposit. In some cases, however, Wells Fargo may place a deposit hold on these funds and delay availability for up to 7 business days.

Q2. Wells Fargo mobile check deposit limit

The Wells Fargo mobile deposit limit is $2,500 per day, and $5,000 over a 30-day period.

Final Words:

Wells Fargo mobile deposit is a fast and secure way to add funds to your deposit accounts using just your smartphone. The checks deposited are usually credited the next working day.

Well, the funds might get held for a longer duration, or sometimes the Wells Fargo mobile deposit may not work at all, as detailed above in the post.

So, that’s all for now. We hope after reading this post, you were able to know why Wells Fargo mobile check deposit was not working for you.

Further Reading:

Why can’t I access my Wells Fargo account online