How to Load Your Prepaid Card from Wells Fargo
Do you bank at Wells Fargo but also use prepaid cards for your kids or for envelope budgeting purposes? If your prepaid cards have account and routing numbers, it’s easy to load them directly from your Wells Fargo checking account using a browser or your mobile phone. (Don’t bank at Wells Fargo? No worries. The steps are very similar at most banks and credit unions, so read on anyway.)
Here’s an outline of the steps:
- Find the account and routing numbers for your prepaid card.
- Add your prepaid card as a Non-Wells Fargo checking account in Wells Fargo Online.
- Initiate the account verification process which involves Wells Fargo making two small trial deposits to your prepaid card and then reversing the deposits with one withdrawal.
- Check your prepaid card for the trial deposit amounts in a few business days.
- Enter the trial deposit amounts back in Wells Fargo Online to complete the verification process.
- Make transfers from your checking account to your prepaid card using Wells Fargo Online or from the Wells Fargo mobile banking app. Each transfer typically takes about 3 business days and is free. An expedited transfer incurs a fee of a few dollars.
Note: If you have FamZoo prepaid cards and you’d like to investigate other card loading options including instant and free options, see here.
Here’s a detailed look at each step with screen shots so you’ll know what to expect along the way:
1. Find the Account and Routing Numbers
The first order of business is to find out whether your prepaid card has associated account and routing numbers that can be used for making direct deposits. If you have a prepaid card from FamZoo or TransCard, you’re in luck: the account and routing numbers are listed on the sheet of paper that comes in the mail with your card (see here for detailed instructions).
If you have a prepaid card from another vendor, then try googling on “how do I find account and routing numbers for _____” filling in the blank with the name of the prepaid card. Or, contact the vendor’s customer service and ask.
2. Add Card as Non-Wells Fargo Account
Armed with the routing and account numbers, now you’re ready to add your prepaid card as a Non-Wells Fargo account so you can initiate transfers from your checking account.
To do so,
- sign into your Wells Fargo Online account,
- navigate to the Transfers tab, and
- click on the Add link next to the My Non-Wells Fargo Accounts label.
A form will come up where you can fill in the appropriate attributes of your prepaid card: the account use (select Transfers), the account type (choose Checking), the account number, and the routing number.
3. Initiate Account Verification
When you successfully submit the form above, Wells Fargo kicks off the verification and displays a screen indicating the steps you need to take to complete the process. They’ll make two small trial deposits to your prepaid card and then reverse them with a single withdrawal for the combined amount.
4. Locate Trial Deposit Amounts
After a few business days, sign into your prepaid card account and look for the trial deposits. Or, turn on your card activity alerts so you’ll know as soon as they come in. Here’s what they look like in FamZoo on the Transactions page for your prepaid card.
5. Enter Trial Deposit Amounts
Once you know the trial deposit amounts:
- sign into your Wells Fargo Online Account,
- visit the Transfers tab,
- click on the Manage link next to the label My Non-Wells Fargo Accounts, and
- click on the Enter Trial Deposit Amounts link next your prepaid card account that is pending verification.
Enter the amounts on the form, click Submit, and you’ll be good to go for making transfers to your prepaid card.
6. Make Transfers
Now you can load your prepaid card from your checking account whenever you want. Simply:
- sign into your Wells Fargo Online Account,
- visit the Transfer tab,
- select your prepaid card account as the destination for the transfer,
- fill in the amount and a description, and
- click Continue.
Wells Fargo does a nice job of spelling out the fees, the timing, and all the relevant terms regarding your proposed transfer. (Note: back in 2013, Wells used to charge $3.00 for an unexpedited transfer. Now, those transfers are free. And we’re seeing the same at other banks too.)
If you’re happy with the everything, click Submit to initiate the load and you’ll see the money appear on your prepaid card about 3 business days later.
The mobile app works the same way. Just:
- sign into your Wells Fargo mobile app,
- visit the Transfer screen via the menu,
- select your prepaid card account as the destination for the transfer,
- fill in the amount and a memo, and
- click Continue.
Here’s what it looks like on a Droid phone:
Questions or problems loading your FamZoo card from your checking account? Don’t hesitate to contact us.
Transfers between Wells Fargo Deposit Accounts
Funds transferred to your Wells Fargo prepaid and deposit accounts (and Brokerage Cash Services) will be available immediately for purchases and withdrawals. The funds are also used in our next nightly processing of deposits and withdrawals.
Our nightly processing occurs on business days. Transfers completed on non-business days will be available at the next nightly processing. Transfers completed before 8 PM Pacific Time on a business day will be available that day. Transfers completed after 8 PM Pacific Time on a business day will appear as “pending,” but will be available to pay your transactions that night as long as they are completed prior to our nightly processing (which generally occurs just after midnight, Pacific Time).
Transfers between Wells Fargo and Non-Wells Fargo Deposit Accounts
Transfers between your Wells Fargo deposit account (including Brokerage Cash Services) and Non-Wells Fargo accounts will be initiated on the Send On date you selected and completed after the number of business days you selected for Delivery Speed.
Same-day transfers to Wells Fargo accounts
A same-day transfer to a Wells Fargo account will transfer funds to your account immediately. You cannot cancel a same-day transaction once you submit it.
For future-dated and recurring transfers
Future-dated or recurring transfers are typically credited and posted on the date you select. However, if your transfer date falls on a weekend or holiday, we will credit the transfer to your account on the date you selected but post it on the next business day. You have until 11:59 PM Pacific Time on the day before the scheduled transfer date to delete/edit it.
Note: Transfers with a brokerage account are typically completed within one to three business days.
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Bank to Bank Transfers FAQs
Q. What are Bank to Bank Transfers?
A. Bank to Bank Transfers are an optional feature that can be turned on within Online Banking for retail clients. If used, you can transfer money between your personal deposit accounts at KS StateBank and accounts at other institutions. Transfers (made through ACH) can be incoming (funds deposited to KS StateBank) or outgoing (funds deposited to another institution) and either to or from a checking or savings account within the United States. Bank to Bank Transfers are available for new accounts in good standing after a 60 waiting period.
Q. What are the benefits of using Bank to Bank transfers, rather than Wire Transfers or Online Bill Payment?
A. Bank to Bank transfers are an effective way to send OR receive funds from an external account at another institution. Because these transfers are processed via ACH, they are processed faster than if you set up a Bill Payment check to be mailed to the other institution, but are not same day (like a Wire Transfer). In regards to Wire Transfers, Bank to Bank transfers cost less, and can be managed fully from your Online Banking account.
Q. How do I request access to Bank to Bank transfers?
A. It’s easy! Just contact a Personal Banker or Client Care representative who will begin the process for you.
Q. What information is needed to set up a Bank to Bank transfer?
A. To set up a Bank to Bank transfer, you will need to establish your external account(s) within your Online Banking account. To enroll an account, you will need the other institutions name, nine-digit routing number, your account number at that institution and the account type. We will then send two trial deposits (also called micro-deposits) to ensure we have the correct information. Once you have verified the amounts of these transactions (ensuring that you are the true owner of the other account), you will be able to begin making transfers.
Q. What is a trial deposit (or micro-deposit)?
A. A trial deposit is a small, random amount that will be deposited to your external account to verify the account and routing number you provided for your other institution. Two of these deposits will be sent within one to two business days.
Q. Why do you need to make trial deposits into my other account?
A. For a couple reasons. First, we want to be sure that the account numbers and routing numbers were correctly entered to eliminate any delays when you make transfers going forward. Secondly, we use this as a way to verify that you have access to the account that you are transferring funds to and from.
Q. How, and when, do I verify the trial deposits?
A. Once you see the two trial deposits credited to your external account, you will need to log back in to your Online Banking account, click on Bank to Bank Transfers, then go to Enrolled Accounts and enter the amounts of the credits in the verification fields. You have 10 calendar days to complete this verification process.
Q. What if I do not verify my pending trial deposits within 10 calendar days?
A. If you do not verify the pending trial deposits within 10 calendar days, you will need to contact Client Care at 785-587-4000 or Toll Free at 800-588-6805 and then begin the external account setup process again.
Q. How long does it take for the transfers to be completed?
A. A Bank to Bank transfer typically takes one to two business days to debit or credit your external account. Funds requested to be transferred will be debited/credited to your KS StateBank account the business day following the day you initiate the transfer, provided you have met the daily cutoff time of 2:30 p.m. (CST). In the case of a future dated or recurring transfer, these time limits will be the business day following the scheduled date of the transfer. Funds requested to be transferred will be debited/credited to the non-KS StateBank account according to the other financial institution’s availability and transaction processing schedule.
Q. How often are transfers processed?
A. Transfers are processed throughout the day in 30-minute intervals, until the daily cutoff time of 2:30 p.m. CT. Transfers set up after 2:30 p.m. CT will be processed the following business day.
Q. Can I view past Bank to Bank transfers?
A. Yes. You will have access to 90 days of history for processed Bank to Bank transfers under Transfer History.
Q. Are there limitations tied to my Bank to Bank transfers?
A. You are able to make up to two incoming and two outgoing transfers per day with a maximum of two external accounts. You are limited to no more than $5,000 total on incoming transfers daily and no more than $5,000 total on outgoing transfers daily. The cutoff time for Bank to Bank transfers is 2:30 p.m. CT each business day. Bank to Bank transfers can only be made to or from banks within the United States. Transfers to foreign countries cannot be processed through this feature.
Q. Can I cancel a transfer after I’ve scheduled it?
A. If a scheduled Bank to Bank transfer is still in PENDING status, you can cancel the transfer or edit the transfer date, amount and/or frequency. If a scheduled transfer has already been PROCESSED, you cannot make any changes.
Q. Is there a fee for utilizing this service?
A. There is no charge for incoming transfers (funds deposited to KS StateBank), but there is a $3.99 charge for each outgoing transfer (funds being sent to another institution). This fee is may be waived for certain accounts.
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