Yes, you can transfer money from Wells Fargo checking to another bank's checking account
Wells Fargo allows you to send money out of your checking account to another bank through several methods. The most common are external transfers (also called linked transfers), wire transfers, and ACH transfers. Which one you use depends on how fast you need the money to arrive and whether you want to set up a standing arrangement or move money once.
The receiving bank must be a U.S. financial institution with routing and account numbers. You'll need those details from the other bank before you start. Wells Fargo does not charge a fee for most outgoing transfers, though some methods are faster than others.
Key Takeaways
- External transfers through Wells Fargo's website or app are free and typically take one to three business days to reach the other bank.
- Wire transfers cost money (usually $15 to $20) but deliver funds the same day or next business day.
- You need the receiving bank's routing number and your account number at that bank before you start any transfer.
- Wells Fargo lets you set up recurring transfers if you move money to the same account regularly.
- If a transfer fails or takes longer than expected, Wells Fargo customer service can trace it and tell you where it is.
Setting up an external transfer through Wells Fargo online or mobile app
Log into your Wells Fargo account online or open the mobile app. Go to the Transfers section (usually labeled "Move Money" or "Transfers"). Select "Transfer to another bank" or "External transfer"—the exact wording depends on which platform you're using.
Enter the receiving bank's name, your account number at that bank, and the bank's routing number. Wells Fargo will verify the account details before the transfer goes through. Once verified, you can enter the amount and choose the date you want the transfer to happen. The money typically arrives within one to three business days.
If you transfer to the same account regularly, you can save it as a favorite or set up a recurring transfer. This means you won't have to re-enter the details each time.
Wire transfers for faster delivery
A wire transfer moves money the same day or next business day, but Wells Fargo charges a fee—typically $15 to $20 for a domestic wire. You can initiate a wire through online banking, the mobile app, or by calling Wells Fargo at 1-800-869-3557.
You'll need the same information as an external transfer: the receiving bank's name, routing number, and your account number. Some banks also ask for a SWIFT code if the receiving institution is international, though this guide covers U.S. transfers only.
Wire transfers are final once sent. If you make a mistake with the account number or routing number, the money may go to the wrong account, and recovering it is difficult. Double-check all details before confirming.
Finding the routing number and account number you need
The receiving bank's routing number is a nine-digit code that identifies that specific bank. You can find it on the bank's website, by calling their customer service line, or by looking at a check from an account at that bank—the routing number is the first set of numbers on the bottom left.
Your account number at the receiving bank is usually on your debit card, in the bank's app, or on a statement. It is not the same as your Wells Fargo account number. Write down both the routing number and account number before you start the transfer to avoid delays or errors.
How long transfers actually take
| Transfer Type | Typical Timeline | Cost |
|---|---|---|
| External transfer (ACH) | 1–3 business days | Free |
| Wire transfer | Same day or next business day | $15–$20 |
| Recurring external transfer | 1–3 business days | Free |
Business days do not include weekends or federal holidays. If you initiate a transfer on Friday evening, it may not process until Monday, and the receiving bank may not credit it until Tuesday or Wednesday.
Wells Fargo processes outgoing transfers on the day you schedule them if you submit before their cutoff time (usually 5 p.m. ET on business days). If you miss the cutoff, the transfer moves to the next business day.
What to do if a transfer is delayed or doesn't arrive
Check the receiving bank first. Log into that account and look for the pending transfer or a failed transaction notice. Sometimes the receiving bank holds deposits for a day or two, especially if it's your first transfer to that account.
If the money doesn't appear within the expected timeframe, contact Wells Fargo. Call 1-800-869-3557 or use the message center in your online account. Have your transfer confirmation number ready—Wells Fargo provides this when you complete the transfer. They can trace the transfer and tell you whether it's still in process, failed, or delivered.
If the transfer failed because of an incorrect routing number or account number, Wells Fargo will reject it and return the money to your Wells Fargo checking account within a few business days. You can then correct the information and try again.
Moving money between your own Wells Fargo accounts
If you're transferring between two accounts you own at Wells Fargo (for example, from checking to savings), use the "Transfer between my accounts" option instead of external transfer. This is instant and free. The money appears in the receiving account immediately.
This is different from transferring to another bank's checking account, which requires the external transfer or wire process described above.
Frequently Asked Questions
Can I transfer money out of Wells Fargo checking on the same day I need it?
External transfers take one to three business days, so they won't work if you need money the same day. A wire transfer will, but it costs $15 to $20. If it's urgent, call Wells Fargo at 1-800-869-3557 to see if a wire is your best option.
What happens if I enter the wrong account number?
Wells Fargo verifies account numbers before sending the transfer. If the number doesn't match an account at the receiving bank, the transfer will be rejected and the money returned to your Wells Fargo checking account within a few business days. You can then correct the information and send it again.
Do I need to tell the other bank I'm transferring money in?
No. The receiving bank will credit the deposit automatically once it arrives. However, if this is your first transfer to that account, the receiving bank may hold it for a day or two as a fraud check. This is normal and doesn't mean anything is wrong.
Can I set up automatic transfers from Wells Fargo to another bank?
Yes. After you complete one external transfer and Wells Fargo verifies the account, you can set up a recurring transfer on a schedule you choose—weekly, biweekly, monthly, or any interval you want. This is free and uses the same external transfer method.
Is there a limit to how much I can transfer out of Wells Fargo checking?
Wells Fargo does not publish a single transfer limit that applies to all accounts. Limits depend on your account type and history. If you're transferring a large amount, contact Wells Fargo first to confirm there are no restrictions. Call 1-800-869-3557 or check your account settings online.