Open the Wells Fargo app and go to Accounts
To add a savings account to your Wells Fargo app, start by opening the mobile app on your phone and signing in with your username and password. Once you are logged in, look for the menu icon — usually three horizontal lines in the top left or bottom right corner, depending on whether you use iOS or Android.
Tap the menu, then look for an option labeled "Accounts," "Add Account," or "Manage Accounts." The exact wording varies slightly between the iOS and Android versions, but the function is the same. This is where you tell the app about accounts you own that are not yet showing up in your view.
Choose whether the account is at Wells Fargo or another bank
The app will ask you to specify where the savings account lives. If the account is with Wells Fargo — meaning you opened it at a Wells Fargo branch or online through Wells Fargo — select "Wells Fargo account." If the savings account is at a different bank entirely, select "External account" or "Link external account."
Most readers adding a savings account will choose the Wells Fargo option, since you likely already have a Wells Fargo checking account if you are using this app. If you do have a Wells Fargo savings account that is not showing up, the app usually finds it automatically once you confirm it belongs to you.
Key Takeaways
- Open the Wells Fargo app, sign in, tap the menu, and select Accounts or Add Account to begin linking a savings account.
- If the savings account is with Wells Fargo, the app will usually find it automatically and ask you to confirm ownership.
- If the savings account is at another bank, you will need the account number and routing number to link it as an external account.
- External accounts require verification, which typically takes one to two business days through a small deposit method or immediate verification if you have the routing and account numbers ready.
- Once linked, you can view balances, transfer money, and manage both accounts from a single app.
Confirm your Wells Fargo savings account details
If you selected a Wells Fargo savings account, the app will display accounts associated with your login. Look for the savings account you want to add and tap it to select it. The app may ask you to confirm the last four digits of the account number or the current balance to verify you own it.
Once confirmed, the account will appear in your app's account list. You should see it within seconds, though sometimes it takes a few minutes to refresh. If the account does not appear after five minutes, try closing the app completely and reopening it.
Add an external savings account with routing and account numbers
If your savings account is at another bank, you will need two pieces of information: the routing number and the account number. The routing number identifies the bank; the account number identifies your specific account at that bank. You can find both on a check, or by logging into the other bank's website or calling their customer service line.
Enter the routing number first, then the account number. Double-check both before proceeding — a single wrong digit will cause the verification to fail. The app will ask you to name the account (for example, "Emergency Savings" or "Vacation Fund") so you can tell it apart from other accounts in your view.
Verify the external account through Wells Fargo's method
Wells Fargo offers two ways to verify an external account. The first is microdeposit verification: Wells Fargo deposits two small amounts (usually under one dollar each) into the external account. You then return to the Wells Fargo app, enter the two deposit amounts, and the account is verified. This method takes one to two business days.
The second method is instant verification, available if you have the routing and account numbers and can answer security questions about the account. This completes immediately. Not all accounts may have access to for instant verification — it depends on the bank and the type of account — so if that option does not appear, microdeposit is your path forward.
Complete the linking and start using the account
Once verification is complete, the external savings account will appear in your Wells Fargo app alongside your other accounts. You can now view the balance, transfer money between the Wells Fargo account and the external account, and manage both from one place. Transfers to external accounts typically take one to three business days to arrive.
If you want to remove the account later, return to the Accounts menu, select the account, and look for a "Remove" or "Delete" option. Removing it from the app does not close the account or affect the money in it — it simply stops showing it in your Wells Fargo app.
Frequently Asked Questions
Why is my Wells Fargo savings account not showing up in the app?
Wells Fargo accounts sometimes do not sync immediately, especially if the account was opened very recently. Try signing out of the app completely, waiting a few minutes, and signing back in. If it still does not appear after 24 hours, contact Wells Fargo customer service — the account may need to be linked to your online profile first.
Can I add a joint savings account?
Yes, if you are a joint owner on the account. The account will appear when you add it, and both owners can see it in their own Wells Fargo apps. If you are not listed as an owner, the app will reject the account number during verification.
What if I enter the wrong routing number?
The verification will fail, and the app will ask you to re-enter it. You can try again as many times as needed. If you are unsure of the correct routing number, check a blank check from that bank, visit the bank's website, or call their customer service line.
How long does it take to transfer money to an external savings account?
Transfers from Wells Fargo to an external account typically take one to three business days, depending on the receiving bank. Transfers from an external account into Wells Fargo may be faster or slower depending on how that bank processes outgoing transfers.
Can I transfer money between the two accounts automatically?
Yes. Once both accounts are linked in the app, you can set up recurring transfers or make one-time transfers. Go to the transfer section, select the accounts, enter the amount, and choose the frequency. The app will execute the transfer on the schedule you set.