What do you do when you lose your debit card from Wells Fargo? Don’t worry, you’re not alone!
The Federal Trade Commission filed 13 million complaints regarding fraud and identity theft in the four-year period between 2012 and 2016. This is staggering, and they’ve reported that those numbers are expected to continue to increase.
Whether you need to order a replacement card because your card was stolen and used without your knowledge or simply because you’ve misplaced (and hopefully have had it deactivated!), it’s actually quite easy to order a replacement debit card from Wells Fargo.
What to Do If You Lose Your Wells Fargo Debit Card
First thing’s first, you’re going to want to contact the bank and freeze your account. It doesn’t matter if your debit card was stolen or if you simply lost it. If you don’t have it, it means that somebody else might, and that’s putting you at risk of having someone make fraudulent charges on the account.
To contact Wells Fargo and request a new debit card, call:
- 1-800-869-3557 for personal debit or credit cards
- 1-800-225-5935 for business debit or credit cards
At the time of the call, ask them about freezing your account and what your options are if you notice unauthorized charges that have been made using your card.
What is Wells Fargo Instant Issue Debit Card? (Disabled November 30, 2020)
Wells Fargo actually offers a unique debit card replacement program of sorts that’s different from the way that other banks handle stolen or misplaced debit cards. The feature is called the Wells Fargo Instant Issue.
If you’ve lost your card or it’s been stolen, Wells Fargo will immediately issue an “instant issue debit card” that will allow you to access your account until you receive your permanent debit card in the mail. It’s valid from the time you receive it until you activate your new card, or up to 30 days (whichever comes first).
However, this service was disabled on November 30, 2020.
Check Your Wells Fargo Account History
Depending on who you speak with, the Wells Fargo customer service attendant might ask you about recent charges on your account. If they don’t, it’s important to go back in and check your Wells Fargo account history.
Make sure that there aren’t any unauthorized charges on the account that you didn’t make. If there are, be sure to write down or make note of the charges, including the amount of the charge, the date, and the merchant name.
While you’re looking at your Wells Fargo bank account information, it’s a good time to go ahead and freeze your account. How do you freeze a Wells Fargo bank account?
- Sign in to your Wells Fargo Online account or Wells Fargo Mobile app.
- Find the account connected to your debit card.
- At the top click on the “...” for More Services
- Find the option that says “Turn Card On or Off”
- When clicking on that option, you can toggle the button to easily turn the account on or off.
And, don’t worry if you see any on your account. The bank offers a $0 Liability Guarantee, so you’re never liable for unauthorized charges.
How to Order a Replacement Debit Card from Wells Fargo
Ordering a replacement debit card from Wells Fargo is actually quite easy. You have three options:
- Order a replacement card online using your Wells Fargo Mobile app
- Call 1-800-869-3557
- Visi any Wells Fargo branch
Your replacement debit card from Wells Fargo should arrive within 5-7 business days.
Are There Fees for a Wells Fargo Debit Card Replacement?
Wells Fargo charges monthly fees for quite a few things, including overdraft fees, wire transfer fees, and even monthly maintenance fees for certain accounts. But, are there any fees for ordering a Wells Fargo debit card replacement?
Thankfully, no! There is no fee for a Wells Fargo replacement card.
If you need a rushed replacement Wells Fargo debit card, they’ll charge you $16 and it will arrive within three business days. However, we’d recommend simply visiting your nearest Wells Fargo branch and requesting the Wells Fargo Instant Issue card instead.
Sign Up for a Debit Card with $0 Fees
Wells Fargo might not charge a fee for your first replacement debit card, but they do charge other monthly fees that can add up if you’re not careful. At Cheese, we’d never do that. We’re dedicated to ensuring that our users pay $0 in monthly fees while enjoying other zero-fee perks such as no overdraft fees, no international wire fees, and no minimum balance fee.
Interested in a fee-free card that comes with $0 in monthly fees? Sign up today to receive your FDIC-insured Cheese Debit Card that comes loaded with other perks such as savings opportunities and cashback. Check out the other perks:
❌ No Monthly Fee 🧀️ No SSN Required
❌ No ATM Fee 🧀️ Up to 10% Cashback with Every Purchase/Transaction
❌ No Overdraft Fee 🧀️ $5 Signup Bonus
❌ No Insufficient Fund Fee 🧀️ Up to 3% Saving Bonus
❌ No Minimum Balance Requirement 🧀️ Early Paycheck
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