Mobile deposit is only available through the Wells Fargo Mobile ® app. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected.
For purchases by check into all funds other than money market funds, and for purchases by exchange, wire, or electronic bank transfer (not using an automatic investment plan) into all funds: If the purchase request is received by Vanguard on a business day before the close of regular trading on the NYSE (generally 4 p.m., Eastern time), the trade date for the purchase will be the same day. If the purchase request is received on a business day after the close of regular trading on the NYSE, or on a non-business day, the trade date for the purchase will be the next business day.
For purchases by check into money market funds: If the purchase request is received by Vanguard on a business day before the close of regular trading on the NYSE (generally 4 p.m., Eastern time), the trade date for the purchase will be the next business day. If the purchase request is received on a business day after the close of regular trading on the NYSE, or on a non-business day, the trade date for the purchase will be the second business day following the day Vanguard receives the purchase request. Because money market instruments must be purchased with federal funds and it takes a money market mutual fund one business day to convert check proceeds into federal funds, the trade date for the purchase will be one business day later than for other funds.
Mobile deposited funds are available on the day after the deposit credit date, unless a hold is applied. If a hold is required on the check, you’ll receive a message during the deposit, and you’ll be able to cancel the deposit. If you continue and submit your mobile deposit, you’ll receive information about the hold on the confirmation screen and in the email sent to your primary email address and secure inbox.
For deposits made | Funds are generally available |
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Before 9 pm Pacific Time business days | On the next business day after the day of your deposit |
After 9 pm Pacific Time business days | On the business day after the deposit credit date |
Non-business days | On the business day after the deposit credit date |
For example, if you make a deposit before the cut-off time on a Monday, funds are generally available on Tuesday. If you make a deposit after the cut-off time on a Friday, funds are typically available on the following Tuesday. Business days are Monday through Friday except Federal holidays. The deposit credit date is provided on your mobile deposit confirmation screen and in the email we send you when your transaction is complete.