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Frequently Asked Questions

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General Questions

What can I do through Online Payments?
Make payments from your computer to any account you have with Wells Fargo Financial, Wells Fargo Financial Cards or Wells Fargo Financial National Bank. If you have an account with another Wells Fargo line of business, such as Wells Fargo Home Mortgage, please contact their customer service department for assistance.
Can I also view my account balance, payment due and statements?
No, this website provides payment services only. Before scheduling a payment, you will need to refer to your paper statement for balance and payment due information.
Is Online Payments a free service?
Yes! There are no fees charged for this service by Wells Fargo Financial. However, fees may be assessed and billed separately by your funding provider and online service provider. Please contact those providers directly for more information.
Can I make online payments if I live outside the U.S.?
No. This service requires a U.S. grade browser, which is not allowed to be exported from the U.S.
How can I contact Wells Fargo Financial customer service for information regarding Online Payments?
You can and speak with one of our Customer Service Representatives.
What happens if the site is unavailable?
When the site is unavailable, an error page automatically appears. Try again later or .
Why does the session timeout?
After 15 minutes of inactivity you will be prompted to sign on again. This is for your security.
How am I guaranteed my personal information is secure?
This application is hosted within a secure firewall environment and is only accessible by establishing and inputting a User ID and Password.
How does Online Payments work for joint account holders?
A borrower or co-borrower can individually enroll for payments online under the borrower's name. Individuals that enroll need to select their own password.
What if my personal information changes?
Our Update Your Profile screen allows you to change your email address and password for online payment reasons only. Other personal information changes such as name or address should be made by contacting our Customer Service at .
Will I receive any email notifications?
Yes. You will receive an email notification when:
  • you enroll
  • your payment is submitted for processing
  • you cancel a payment
  • you forget your User ID or password and answer your security question
  • you are locked out for entering your User ID and password incorrectly too many times
  • your financial institution returns your payment to us for any reason (such as insufficient funds, wrong account number, etc.)
What do I do if I am not receiving emails?
Check your email address on the Update Your Profile page. If the email address is listed correctly, ensure your internet service provider's spam blocking software allows you to receive email and ensure that Wells Fargo Financial is listed as a trusted sender.
What happens if the session times out before I can complete my enrollment or schedule a payment?
When there is no onscreen activity for 15 minutes, your session is reset for your security. If you have not completed your enrollment or payment information, you must sign on again and re-enter it. You will receive an email confirmation that you have successfully completed enrollment. Payments that have been successfully scheduled will be displayed on the Payment Confirmation page along with a Payment Tracking Number.
How quickly will my payment be applied to my account?
Payment cutoff times: The daily payment cutoff time is midnight (12:00 AM) Pacific time. Payments will be processed Monday through Friday up until 1:00 PM Pacific time, not including federal holidays. Any payment made after 1:00 PM Pacific time will be processed the following business day and will be applied as of the date you scheduled. Any payment in the "scheduled" status may be modified or cancelled.

Enrollment Questions

Why am I getting the error "a system level error has occurred"?
You may get this message when attempting to enroll for Wells Fargo Financial online payments because your web browser is set to block cookies. Cookies are stored on your hard drive and contain pieces of information that enables you to sign in to a web site like ours. You will not be able to access this site unless you change your security settings to allow cookies.

Follow the steps below to enable the cookies based on your specific browser:

Internet Explorer 6.x and 7.x for Windows

  1. At the top of your browser click Tools, then Internet Options.
  2. Click on the Privacy tab.
  3. Click the Advanced button.
  4. Place a checkmark in Override automatic cookie handling.
  5. Place a checkmark in Always allow session cookies then click OK.
  6. Click the Edit button and verify if Wells Fargo is in your "Managed Web sites list". (If you are using Windows XP with SP2, click on the Sites button instead of Edit.) If Wells Fargo is in the list, highlight it and click remove. Then click OK.
  7. Click OK to close the Internet Options window.

Netscape 8.x for Windows

  1. At the top of your browser click Tools, then Options.
  2. Click on the Privacy icon on the left navigation window.
  3. Click on Cookies in the main window.
  4. Select until they expire in the dropdown menu.
  5. Click on View Cookies.
  6. If Wells Fargo is listed, highlight it and click Remove Cookie, then OK.
  7. Click OK on the Options window to close it.

Netscape 7.x for Windows

  1. At the top of your browser click Edit, then Preferences.
  2. Click on the arrow next to Privacy and Security, so that the arrow points down.
  3. Highlight Cookies.
  4. Click Enable all cookies.
  5. Click on Manage Stored Cookies.
  6. Click on the Cookie Sites tab.
  7. If Wells Fargo is listed in the Cookie Sites window, highlight it and click Remove Site, then click OK.
  8. Click OK on the Preferences window to close it.

Netscape 7.x for Macintosh OS X

  1. At the top of your browser click Netscape, then Preferences.
  2. Click on the arrow next to Privacy and Security, so that the arrow points down.
  3. Highlight Cookies.
  4. Click Enable all cookies.
  5. Click on Manage Stored Cookies.
  6. Click on the Cookie Sites tab.
  7. If Wells Fargo is listed in the Cookie Sites window, highlight it and click Remove Site, then click OK.
  8. Click OK on the Preferences window to close it.

Safari for Macintosh OS X

  1. At the top of your browser, click on Safari on the top left corner, then Preferences.
  2. In Preferences, click on the Security icon.
  3. In the Accept Cookies section, select Always.
  4. Close the Preferences window.

For AOL users, minimize your AOL browser, open Microsoft Internet Explorer and follow the steps above for your version. To verify your version, click on Help at the top of the browser, then About Internet Explorer.
What information do I need to enroll?
You must supply the following:
  • your name as it appears on your billing statement
  • your account number
  • last four digits of the primary account holder's social security number
  • payment address as it appears on your monthly statement
  • valid email address

In addition, you will be asked to create a User ID, a password, and a security question and answer at the time of enrollment. (If you have online account access with Wells Fargo Financial Cards, this will be a separate User ID and password.)
How do I know which post office box to use when I enroll for online payments?

The correct PO Box for your account is printed on your payment stub. If you're still not sure, type your account number below and click the Show Mailing Address link.

How long does it take from when I enroll to when I can make a payment?
The enrollment verification process is effective immediately. You will have the ability to initiate a payment during the same online session.
How do I create a user ID and password?
Your User ID and password are created when you enroll. When you select your User ID, you must remember it exactly (it is case sensitive). Password must be between 6 and 32 characters and contain at least one letter (A-Z) and one number (0-9).
What do I do if I receive a message that says "user ID already exists"?
Simply select a different User ID that is unique to you.
What do I do if I forget my password?
Just click on the "Forgot Your Password" link on the Sign On page and follow the directions provided. You must type your UserID and Security Answer exactly as they were entered originally.  These fields are also case sensitive, so if you entered them in ALL CAPS, you will need to enter them with ALL CAPS again. If you are unable to complete the process, please .
If I have more than one Wells Fargo Financial account, do I need a separate user ID and password for each account?
No, you can use the same User ID and password. After logging in, select Add Account to Profile from the left-hand navigation bar and complete the necessary account information.
How do I know if I'm using an approved web browser?
Microsoft® Internet Explorer (MSIE) 6.X to 9.X

Firefox® 3.XX

Safari® 3.2.1 and 4.X

 

Payment Questions

What type of payment method do I need for Online Payments?
Your personal checking or savings account(s) can be used for funding your online payments. You will need to provide your bank ABA routing number and your checking or savings account number.
The bank account number I entered when I set up my payment method is incorrect. How do I change it?
Go to the Manage Payment Methods page and click on Modify. Then enter the correct account number in the appropriate box.
Can I set up more than one payment method?
Yes. You can add additional checking or savings accounts during or after your initial enrollment. Go to the Manage Payment Methods page and add an additional checking or savings account.
When do my payments post and when is the money deducted from my checking or savings account?

Payments are posted on the day you schedule. Payment cutoff times: The daily payment cutoff time is midnight (12:00 AM) Pacific time. Payments will be processed Monday through Friday up until 1:00 PM Pacific time, not including federal holidays. Any payment made after 1:00 PM Pacific time will be processed the following business day and will be applied as of the date you scheduled. Any payment in the "scheduled" status may be modified or cancelled.

We do not process payments on weekends or federal holidays. Money is withdrawn from your checking or savings account on the same day, or thereafter, depending upon the day and time your payment is processed.

What does "Payment Scheduled" mean?
When looking at the View Online Payment History page, your payment(s) will have a status of Scheduled, Sent, or Cancelled. When your payment is Scheduled, a date for payment has been set up in the system. You can cancel a Scheduled payment using the link provided. Payments with a Sent status cannot be cancelled.
Can I obtain proof of my payment?
All online payments are displayed on the View Online Payment History page. You can use this information as proof of payment. You will also receive an email confirming your payment has been processed. However, payments made by mail, phone, or other web sites or payment services are not listed on the Online Payment History screen.
What happens if I set up a payment and do not have sufficient funds in my checking or savings account?
If you do not have sufficient funds when your payment is scheduled to post, your bank may return the electronic payment and we will reverse it from your account. You will be subject to any return check fee provisions that apply to your account as disclosed in your account agreement.
What happens if I am late making a payment?
You are able to make a payment after the due date; however you will be subject to any late charge provisions that apply to your account as disclosed in your account agreement. Payment cutoff times: The daily payment cutoff time is midnight (12:00 AM) Pacific time. Payments will be processed Monday through Friday up until 1:00 PM Pacific time, not including federal holidays. Any payment made after 1:00 PM Pacific time will be processed the following business day and will be applied as of the date you scheduled. Any payment in the "scheduled" status may be modified or cancelled. We do not process payments on weekends or federal holidays.
Can I view my online payment history?
Yes. This information is available from the time you enroll and is viewable on your View Online Payment History page. Up to 6 months of history will be available for viewing. However, payments made by mail, phone, or other web sites or payment services are not listed on the Online Payment History screen.
Why can't I see all of the payments I have made to my account?
You can only see payment history for payments that you have made through this online payment web site. If you have used another method of making a payment to your account (payments by mail, phone, or other websites or payment services) it will not be reflected on this web site.
Can I set up automatic online payments for my monthly bills?
No. We currently do not offer automatic recurring online payments. However, you can schedule future payments up to 180 days in advance. The payment will post on the day it's scheduled. Or feel free to to get more information on other payment options.
Can I modify or cancel a payment?
Yes, as long as the payment is still showing as Scheduled. From the Make a Payment screen, click on View/Modify Payments link in the left-hand navigation bar. Locate the pending payment in the Online Payment History page. Click on Modify or Cancel link and complete the necessary information.
Can I make payments online and sometimes pay by check?
Yes. If it is more convenient for you to send a check you can do so. However, payments made by mail, phone, or other web sites or payment services are not listed on the Online Payment History screen.