Document (2)
Document (2)
Questions?
SERGIO JESUS VEGA LEMUS Available by phone 24 hours a day, 7 days a week:
10366 CYPRESS AVE We accept all relay calls, including 711
RIVERSIDE CA 92505-1212 1-800-TO-WELLS (1-800-869-3557)
En español: 1-877-727-2932
Online: wellsfargo.com
Write: Wells Fargo Bank, N.A. (114)
P.O. Box 6995
Portland, OR 97228-6995
Keep your accounts and money safe. Know how to spot a scam with these two tips.
Know that legitimate tech support companies don't contact you and ask for access to your computer. If this happens to you, it's a
scam. If you have an issue with your computer or device, go to a company you know and trust. Never rely on someone reaching
out to you and don't allow them access to your device.
April 15, 2025 Page 2 of 14
Transaction history
Check Deposits/ Withdrawals/ Ending daily
Date Number Description Additions Subtractions balance
3/18 ATM Cash Deposit on 03/18 3765 Tyler St Riverside CA 17.00
0001388 ATM ID 0635C Card 7756
3/18 ATM Withdrawal authorized on 03/18 3765 Tyler St Riverside 20.00
CA 0001391 ATM ID 0635C Card 7756
3/18 Online Transfer to Vega Lemus S Way2Save Savings xxxxxx5126 14.64 -22.64
Ref #Ib0Rpk4Zcb on 03/18/25
3/19 Money Transfer authorized on 03/18 From Vega Sergio CA 59.10
S385078053377049 Card 7756
3/19 Online Transfer From Vega Lemus S Way2Save Savings 14.64
xxxxxx5126 Ref #Ib0Rpm7Wng on 03/19/25
3/19 Purchase authorized on 03/18 Hank's Riverside CA 23.47
S385078057564607 Card 7756
3/19 Purchase authorized on 03/19 Arco42240001 Riverside CA 9.93 17.70
P000000183865758 Card 7756
3/20 Zelle From Buildworks Inc. on 03/20 Ref # Jpm99B1Ypxsn Fuel 50.00
3/20 Online Transfer From Vega Lemus S Way2Save Savings 50.00
xxxxxx5126 Ref #Ib0Rq4Mf5x on 03/20/25
3/20 Purchase authorized on 03/19 Arco42240001 Riverside CA 4.71
P000000871341828 Card 7756
3/20 Online Transfer to Vega Lemus S Way2Save Savings xxxxxx5126 50.00 62.99
Ref #Ib0Rq33KY6 on 03/20/25
3/21 Buildworks Inc. Payroll 250321 01820000-0339-0 Sergio Vega 863.16
3/21 Online Transfer From Vega Lemus S Way2Save Savings 15.64
xxxxxx5126 Ref #Ib0Rqdc2Ff on 03/21/25
3/21 Online Transfer From Vega Lemus S Way2Save Savings 80.00
xxxxxx5126 Ref #Ib0Rqn73Zw on 03/21/25
3/21 Online Transfer From Vega Lemus S Way2Save Savings 50.00
xxxxxx5126 Ref #Ib0Rqnz294 on 03/21/25
3/21 Purchase authorized on 03/20 Chevron 0090944 Los Angeles 47.35
CA S465079704601315 Card 7756
3/21 Online Transfer to Vega Lemus S Way2Save Savings xxxxxx5126 15.64
Ref #Ib0Rqcjn5S on 03/21/25
3/21 Purchase authorized on 03/21 Arco42860001 Riverside CA 7.99
P000000676590316 Card 7756
3/21 Purchase authorized on 03/21 Arco42168001 Lawndale CA 7.65
P000000373446879 Card 7756
3/21 Online Transfer to Vega Lemus S Way2Save Savings xxxxxx5126 684.58
Ref #Ib0Rqmktv3 on 03/21/25
3/21 Online Transfer to Vega Lemus S Way2Save Savings xxxxxx5126 33.44 275.14
Ref #Ib0Rqnzb9T on 03/21/25
3/24 Online Transfer From Vega Lemus S Way2Save Savings 60.00
xxxxxx5126 Ref #Ib0Rqrrgp8 on 03/22/25
3/24 Online Transfer From Vega Lemus S Way2Save Savings 40.00
xxxxxx5126 Ref #Ib0Rqyb2K7 on 03/22/25
3/24 Online Transfer From Vega Lemus S Way2Save Savings 40.00
xxxxxx5126 Ref #Ib0Rr3Hbgb on 03/23/25
3/24 Online Transfer From Vega Lemus S Way2Save Savings 40.00
xxxxxx5126 Ref #Ib0Rr66Zhr on 03/23/25
3/24 Online Transfer From Vega Lemus S Way2Save Savings 20.00
xxxxxx5126 Ref #Ib0Rr7Vvtp on 03/23/25
April 15, 2025 Page 3 of 14
The Ending Daily Balance does not reflect any pending withdrawals or holds on deposited funds that may have been outstanding on your account when
your transactions posted. If you had insufficient available funds when a transaction posted, fees may have been assessed.
For a complete list of fees and detailed account information, see the disclosures applicable to your account or talk to a banker. Go to
wellsfargo.com/feefaq for a link to these documents, and answers to common monthly service fee questions.
Fee period 03/18/2025 - 04/15/2025 Standard monthly service fee $5.00 You paid $5.00
How to avoid the monthly service fee Minimum required This fee period
Have any ONE of the following each fee period
• Age of primary account owner 13 - 24
• Account is linked to a Wells Fargo Campus ATM Card or Campus Debit Card 1 0
RD/RD
Effective June 4, 2025, we are updating the following sections of the "Availability of Funds Policy" in our Deposit Account
Agreement:
The "Longer delays may apply" section is deleted and replaced with the following:
In some cases, we will not make the first $400 of a business day's check deposits available to you on the day we receive the
deposits. Further, in some cases, we will not make all the funds that you deposit by check available to you on the first business day
after the day of your deposit.
Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your
deposit. The first $275 of your deposit, however, may be available on the first business day after the day of your deposit.
Except as otherwise explained in this paragraph, if we are not going to make all funds from your deposit available on the business
day of deposit or the first business day after the day of deposit, we will notify you at the time you make your deposit. We will also
tell you when the funds will be available. If your deposit is not made directly to a Wells Fargo employee, or if we decide to take this
action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit.
April 15, 2025 Page 11 of 14
If you need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
- We believe a check you deposit will not be paid
- You deposit checks totaling more than $6,725 on any one day
- You redeposit a check that has been returned unpaid
- You have overdrawn your account repeatedly in the last six months
- There is an emergency, such as failure of computer or communications equipment
We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be
available. The funds will generally be available no later than the seventh business day after the day of your deposit.
The "Special rules for new accounts" section is deleted and replaced with the following:
If you are a new customer, the following special rules apply during the first 30 days your account is open. Incoming wire transfers,
electronic direct deposits, and cash deposited at a teller window and at a Wells Fargo ATM will be available on the day we receive
the deposit. Funds from your check deposits will be available on the business day after the day we receive the deposits; no funds
from a business day's check deposits are available on the day we receive the deposits.
If we delay the availability of your deposit the following special rules may apply:
- The first $6,725 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks,
and U.S. Postal Service money orders made payable to you will be available on the first business day after the day of your deposit,
if your deposit meets certain conditions. For example, the checks must be payable to you. If your deposit of these checks (other
than U.S. Treasury checks) is not made in person to one of our employees, the first $6,725 may not be available until the second
business day after the day of your deposit.
- The excess over $6,725 and funds from all other check deposits will be available no later than the seventh business day after the
day of your deposit. The first $275 of a day's total deposit of funds from all other check deposits, however, may be available on the
first business day after the day of your deposit.
We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available.
Effective May 15, 2025, the section of the Deposit Account Agreement titled "Availability of Funds Policy," subsection "Your ability to
withdraw funds," is deleted and replaced with the following:
Our policy is to make funds from your check deposits to your checking or savings account (in this policy, each account) available to
you on the first business day after the day we receive your deposits. Incoming wire transfers, electronic direct deposits, cash
deposited at a teller window and at a Wells Fargo ATM, and the first $400 of a day's check deposits at a teller window, at a Wells
Fargo ATM, and with the Wells Fargo Mobile Banking app will be available on the day we receive the deposits. Certain electronic
credit transfers, such as those through card networks or funds transfer systems, will generally be available on the day we receive
the transfer. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks and other items
presented for payment and applicable fees that you have incurred.
Effective May 15, 2025, the section of the Deposit Account Agreement titled "Fund Transfer Disclosures-General," subsection "ACH
transactions," is deleted and replaced with the following:
These additional terms apply to payments to or from your account that you transmit through an ACH:
- Your rights as to payments to or from your account will be based on the laws governing your account.
- When we credit your account for an ACH payment, the payment is provisional until we receive final settlement through a Federal
Reserve Bank or otherwise receive payment.
- If we don't receive final settlement or payment, we're entitled to a refund from you for the amount credited to your account and
the sender of the payment will not be considered to have made the payment to you.
- For ACH debit entries that debit your non-Wells Fargo account and credit your Wells Fargo account, Wells Fargo Bank generally
holds those funds for 3-4 business days to make sure that the funds will not be returned unpaid before we credit your Wells Fargo
account. Longer holds may apply, or we may return the funds to the sending bank and not make the funds available to your Wells
Fargo Account, if we - in our sole discretion - believe the transfer is irregular or suspicious.
- Any Originating Depository Financial Institution (ODFI) may initiate, pursuant to ACH Operating Rules, ACH debit entries to your
account for presentment or re-presentment of items you write or authorize.
Help take control of your finances with a Wells Fargo personal loan.
Whether it's managing debt, making a large purchase, improving your home, or paying for unexpected expenses, a personal loan
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April 15, 2025 Page 13 of 14
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the
amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.
In case of errors or questions about other transactions (that are not electronic transfers):
Promptly review your account statement within 30 days after we made it available to you, and notify us of any errors.
April 15, 2025 Page 14 of 14
ENTER
A. The ending balance
shown on your statement.. . . . . . . . . . . . . . . . $
ADD
B. Any deposits listed in your $
register or transfers into $
your account which are not $
shown on your statement. +$
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . TOTAL $
SUBTRACT
C. The total outstanding checks and
withdrawals from the chart above. . . . . . . . . - $
To download and print additional Account Balance Calculation Worksheets (PDF), enter
www.wellsfargo.com/balancemyaccount in your browser on either your computer or mobile device.
©2 021 We lls Fargo Bank, N.A. All rights res erved . Member FDIC . NMLSR ID 39980 1