How Much are Wells Fargo’s Overdraft Fees? ATM withdrawals and debit card purchases are covered with overdraft protection. With overdraft protection, Wells Fargo will automatically transfer funds from your linked account(s) to your checking you account to cover transactions that will turn your balance negative. You can also opt-in to participate in Wells Fargo overdraft protection, which requires you to link a Wells Fargo savings account and/or credit card to your checking account. Some factors they may take into account when deciding whether or not to approve an overdraft transaction include account history, the importance of the transaction, whether or not there is a standard scheduled direct deposit to be expected soon, and whether or not you have an overdraft protection plan in place. Wells Fargo allows some transactions to cause your account to go into overdraft at their discretion.
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