Call Wells Fargo customer service at 1-800-642-4720 and request a PIN, if you don’t already have one.
Insert the credit card at an ATM and enter the PIN.
Select the cash advance option on the ATM screen.
Enter the amount you’d like to withdraw.
Withdraw the cash and remove the credit card from the ATM.
Before you take out a Wells Fargo Reflect cash advance, it’s important to note that it is a very expensive transaction. For starters, a cash advance fee and a separate cash advance APR apply as soon as you withdraw the cash. There may be ATM-owner fees, too.
The Wells Fargo cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is a fee charged when using a Wells Fargo credit card for cash withdrawals at an ATM, with a cash advance check, or in person at participating locations.
Bear in mind that when you do a cash advance, you will incur other costs in addition to the Wells Fargo cash advance fee. There’s a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges.… read full answer
To get a Wells Fargo credit card PIN, call the number on the back of your credit card or call Wells Fargo’s general credit card customer service line at 1-800-642-4720. Once connected, you’ll be prompted to enter your 16-digit card number, at which point you’ll be able to use the menu to request a PIN or speak to a customer service representative. These instructions also apply if you forgot your existing PIN or just want to reset it. You cannot request a Wells Fargo credit card PIN online.… read full answer
Wells Fargo allows customers to choose their own credit card PIN. You will need this PIN if you ever want to get a cash advance from your Wells Fargo credit card at an ATM. While it’s good to have a PIN so you can take out cash in emergency situations, it’s not a good idea to get cash advances on a regular basis. Cash advances have large fees and high interest rates, and interest starts accruing immediately, with no grace period.
In general, you won’t need a Wells Fargo credit card PIN for making purchases, except at certain unattended terminals – such as ticket kiosks, parking lots and gas stations – in foreign countries. Regular merchants abroad should still take your card even without a PIN.
Wells Fargo credit card fees include the standard array of basic charges and usage costs. Most Wells Fargo credit cards will spare you the annual fee, but will charge fees of 3% intro for 120 days, then up to 5% (min $5) for balance transfers; cash advance fees of 5% (min $10), and 3% foreign transaction fees.… read full answer
Wells Fargo also charges late payment and returned payment/check fees of up to $40. Wells Fargo does not charge application or processing fees, over limit, or monthly “maintenance” fees. You can check Wells Fargo’s list of credit card fees on your statement and in the card’s Terms and Conditions.
Here are the Wells Fargo credit card fees:
Annual fee: Most Wells Fargo credit cards benefit from $0 annual fees.
Balance Transfer: 3% intro for 120 days, then up to 5% (min $5) for most Wells Fargo credit cards. The Hotels.com Credit Card charges 5% (min $5) and the Wells Fargo Rewards® Card has a 3% (min $5) balance transfer fee.
Cash Advance: 5% (min $10). Applies to most Wells Fargo cards.
Foreign Transaction Fee: 3% of all transactions outside of the U.S. or through an internationally based merchant. Applies to all Wells Fargo credit cards, but the Hotels.com Credit Card which features a $0 foreign transaction fee.
Late Payment and Returned Payment/Check Fees: Up to $40.
Fees are the cost of doing business when you have a Wells Fargo credit card. How much they’ll affect you depends on how you use the card. You can avoid balance transfer and cash advance fees simply by not making those transactions.
Use your Wells Fargo card responsibly, and you’ll not get hit with late payment or returned check fees. And make sure you take a look at the best Wells Fargo credit cards and pick one whose rewards suit your spending habits.
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