Why Can’t I Access My Wells Fargo 1099-INT Form Online?

Tax season can be stressful, especially when tracking down important documents like your 1099-INT from Wells Fargo. This form reports interest income from eligible accounts, and not having it could delay your taxes.

If you can’t find your 1099-INT online, there are several possible reasons. Understanding how these forms are issued and where to locate them can help you get the information you need efficiently.

Minimum Interest Requirements

Not all Wells Fargo customers earning interest receive a 1099-INT. The IRS requires banks to issue this form only if total interest earned in a calendar year is $10 or more. If your interest income falls below this threshold, Wells Fargo is not required to generate the form, though the earnings are still taxable.

Interest income comes from savings accounts, certificates of deposit (CDs), and certain checking accounts. If you have multiple interest-bearing accounts, Wells Fargo combines the total interest earned across all eligible accounts to determine if a 1099-INT is necessary. For example, if you earned $6 from a savings account and $5 from a CD, the combined $11 would trigger the reporting requirement.

Promotional bonuses tied to new accounts may also count as interest income. If Wells Fargo classifies these payments as interest rather than miscellaneous income, they contribute to the $10 threshold. Some bonuses may instead be reported on a 1099-MISC or 1099-NEC, depending on classification.

Confirming Paper or Digital Delivery

Wells Fargo issues 1099-INT forms electronically or by mail, depending on your account preferences. If you opted for electronic delivery, your form will be available through Wells Fargo’s online banking portal. This setting is separate from paperless statements, so checking your tax document preferences can clarify how your form will be delivered.

If you receive paper statements, your 1099-INT will be mailed to the address on file. Banks must send tax forms by January 31, but delivery times vary. If you recently moved, the form may have been sent to your previous address.

Customers who previously enrolled in electronic delivery may find their preferences reset due to account changes or system updates. If you expected to find your 1099-INT online but it’s missing, check whether your digital delivery enrollment is still active. If it was deactivated, the form may have been mailed instead.

Locating the Form in Online Account

To access your 1099-INT online, log into Wells Fargo’s online banking system and navigate to the “Tax Documents” section, typically found under “Accounts” or “Statements & Documents.” Many customers mistakenly look for tax forms alongside monthly statements, but they are stored separately.

If you have multiple accounts, ensure you are viewing the correct one, as tax forms are issued based on where interest income was earned. If your form is missing, system updates or temporary technical issues may be the cause. Clearing your browser cache, switching devices, or checking back later may resolve the issue. Tax documents are usually posted online by mid-to-late January, so checking before then may yield no results.

Verifying Your Mailing Information

If you expect a mailed 1099-INT, confirm that Wells Fargo has your current address. Banks use the address on file as of December 31 of the tax year when preparing tax forms. If you updated your address after this date, the form may have been sent to your previous location.

The United States Postal Service (USPS) may forward tax documents, but this is not always reliable. Some financial mail, including tax forms, may not be forwarded due to security concerns. If Wells Fargo’s records reflect an outdated address and mail forwarding fails, the form could be returned as undeliverable. In such cases, you may need to request a reissue.

Additional Document Requests

If you should have received a 1099-INT but cannot locate it, requesting a replacement may be necessary. Before doing so, check your online banking account to ensure the form isn’t already available.

For mailed copies, Wells Fargo’s customer service can assist with reissuing the document. Requests can be made by calling the bank’s tax document support line or visiting a branch. Processing times vary, and mailed copies may take several business days to arrive. Expedited delivery may be available for an additional fee.