With Direct Pay, it's easy to deposit payments directly into your Payee's bank accounts. You don't have to mail checks or put paychecks in workplace mail boxes. ... Direct Pay payments to non-Wells Fargo personal bank accounts are $0.50 per payment. Direct Pay payments made to business bank accounts are $3 each. ...Simply set up a qualifying monthly non-civilian military direct deposit and receive the following on your eligible Wells Fargo checking account: ... Central Time Wells Fargo Auto 1-877-254-9687 Mon – Fri: 7 am – 8 pm Central Time. Email: [email protected] Example of how Extra Day Grace Period works. On Thursday, your available balance 5 is $20. That night, we pay a check you've written for $80, leaving your account overdrawn by $60 and subject to a $35 overdraft fee. On Friday, we receive your deposit 1 of $75 and you don't have other pending transactions, such as debit card purchases, as of ... Aug 5, 2566 BE ... Wells Fargo customers report missing direct deposits from bank accounts. 5.6K views · 7 months ago ...more ... 3. Standard Interest Rate CDs require a $2,500 minimum opening deposit, unless otherwise noted. The interest rates and Annual Percentage Yields displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma. If you miss the cutoff time, it will be considered received on the next business day. When funds are available. Cash, electronic direct deposits, and incoming.Call 1-800-869-3557, 24 hours a day - 7 days a week. Small business customers 1-800-225-5935. 24 hours a day - 7 days a week. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo ...Direct Pay (Business) Expand ... After payee is validated, payments scheduled on a business day by 3:00 pm Pacific Time ... Deposit products offered by Wells Fargo ...Wells Fargo’s Early Pay Day • Direct Deposit Time. by Arianna Monagas. 19 September, 2023 - Updated on 21 September, 2023. in Student Finance. Managing …Wells Fargo recently donated $20 million to support Atlanta small businesses. The funding aims to help entrepreneurs actually own more of their businesses’ assets. Wells Fargo rece...Set up your Wells Fargo direct deposit by taking just a few easy steps:¹. Download and complete the Wells fargo direct deposit form ² - you can also access a prefilled form in online banking to cut admin time. Print your form and hand it to your employer or the company or agency that pays you. Keep and eye on … Generally, the first business day after the day we receive your deposit. If a check is deposited at a Wells Fargo teller window, Wells Fargo ATM, or Wells Fargo Mobile ® app, up to $400 of the day's check deposit may be available the day we receive the deposit. If we place a hold on a check, $225 of it may be available the next business day. Sep 15, 2023 · USAA Direct Deposit Time. USAA allows you to access your funds up to two business days before your pay date, depending on when your employer sends the payment details. Wells Fargo Direct Deposit Time. Wells Fargo’s Early Pay Day feature gives you access to your paycheck up to two days before payday. Early Pay Day is free to people with direct ... Wells Fargo accounts *(Central Time = +1 hour for Eastern Time/ –1 hour Mountain Time/ –2 hours Pacific Time/ –3 hours Alaska Time) Routing instructions for incoming wire transfers Wells Fargo can receive incoming wires in both U.S. dollars and foreign currency. For receiving wire transfers in U.S. dollarsGet your direct deposit paycheck two days sooner with Wells Fargo's Early Pay Day. https://welcome.wf.com/getearly/?utm_campaign=23_pcm_cons_uf_en&utm_source...What time does direct deposit go through Wells Fargo?Jul 6, 2018Generally speaking, your direct deposit will hit your account anytime between 12am to 6am on ...Fill out the direct deposit form. Your employer (or other payer) will ask you to complete a direct deposit form that will ask for several personal details, including your name, address, Social ... Call 1-800-869-3557, 24 hours a day - 7 days a week. Small business customers 1-800-225-5935. 24 hours a day - 7 days a week. is a trade name used by , LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company. Deposit products offered by Wells Fargo ... Wells Fargo Business Secured Credit Card offers 1.5% cashback and a credit limit between $500 and $25,000. Credit Cards | Editorial Review Updated May 11, 2023 REVIEWED BY: Tricia ...As long as you deposit a check by the cut-off time on a business day, deposited funds usually are available to you the day after Wells Fargo accepts the deposit. Here’s how the cut-off times work: Deposits made before 9 p.m. PST on business days are available the next business day. Deposits made after 9 p.m. …Wells Fargo ATM Check Deposit Limit. You can deposit an unlimited number of checks at Wells Fargo ATMs. However, the time it takes for the money to arrive in your account varies. You can find ...A Wells Fargo checking account can be opened by telephone, through their website or by visiting a Wells Fargo branch. These methods can also be used to open a Wells Fargo savings a...Wells Fargo student loan borrowers will be transferred to a company called Firstmark in the coming months. Here's what they should look for. By clicking "TRY IT", I agree to receiv...Feb 8, 2562 BE ... Having trouble access your Wells Fargo bank account or seeing if your direct deposit was delivered on time? It appears you're not alone.This question is about the Wells Fargo Cash Wise Visa® card @hectormolina • 11/04/22 This answer was first published on 02/18/20 and it was last updated on 11/04/22.For the most cu...Call 1-800-869-3557, 24 hours a day - 7 days a week. Small business customers 1-800-225-5935. 24 hours a day - 7 days a week. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo ...1-800-225-5935. 1. Transactions means all checks deposited, and all withdrawals or debits posted to your account, including paper and electronic, except debit card purchases and debit card …Simply set up a qualifying monthly non-civilian military direct deposit and receive the following on your eligible Wells Fargo checking account: ... Central Time Wells Fargo Auto 1-877-254-9687 Mon – Fri: 7 am – 8 pm Central Time. Email: [email protected] eBills. View eBills within your Bill Pay service, or print whenever it’s convenient. Automatic payment can take place even when monthly amount changes. When using Bill Pay, you can set up to receive eBills for payees offering electronic billing. 1. There's no monthly service fee to use Bill Pay.Wells Fargo retains statement copies for up to seven years for most checking accounts. The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; …Wells Fargo has responded to the issue on social media. In reply to a customer who said, "Wells Fargo direct deposit is officially a day late and customer service has no time frame when the money ...Check current status | Downdetector. Wells Fargo. User reports indicate no current problems at Wells Fargo. Wells Fargo offers retail bank services to individuals …About this app. arrow_forward. Account Management. •Access your cash, credit, and investment accounts with Fingerprint Sign On¹ or Biometric Sign on¹. •Review activity and balances. •View your credit card transactions and manage your rewards. •Easily activate or turn cards on or off², add cards to digital wallets³, view recurring ...Mar 6, 2024 · Wells Fargo will waive your account’s $10 monthly service fee if you maintain a $500 minimum daily balance or receive $500 or more in qualifying direct deposits during the month. Wells Fargo ... Direct deposit is a convenient and secure way to receive payments electronically. It eliminates the need to wait for a check in the mail or make a trip to the bank. With direct dep...Feb 8, 2562 BE ... processing of direct deposit into Wells Fargo accounts and we're sorry for the inconvenience. Some may not yet be able to see payroll deposits ...The Clearing House is owned by financial giants including JPMorgan Chase & Co., Citigroup Inc. and Wells Fargo & Co. Wells Fargo has responded to the issue on social media. In reply to a customer who said, "Wells Fargo direct deposit is officially a day late and customer service has no time frame when the money will come wtf," a Wells … 1. Mobile deposit is only available through the Wells Fargo Mobile ® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. The Downdetector site showed a surge in reports of problems with Wells Fargo, with more than 400 reports by 8:41 a.m. Dowdetector showed 253 reports at 1:26 p.m. The Latest 4 'Reasonable' Choices ...Simply sign on to Wells Fargo Online ® and access to review your email addresses, phone numbers, and mailing addresses. If your new address is outside of the United States, please contact us at 1-800-956-4442. If you receive electronic delivery of brokerage statements and documents, you will need to sign on to Wells Fargo Online.Generally, the first business day after the day we receive your deposit. If a check is deposited at a Wells Fargo teller window, Wells Fargo ATM, or Wells Fargo Mobile® app, up to $400 of the day’s check deposit may be available the day we receive the deposit. If we place a hold on a check, $225 of it may be available the …Our innovative ATMs let you make deposits without envelopes or deposit slips, with extended cut-off times and green benefits. Skip to content. Sign On ... Deposits made before 9 pm local time (8 pm in Alaska) on business days are considered received that day. ... Wells Fargo Bank, N.A. Member FDIC. QSR-03202025-5966347.1.1. …Feb 15, 2024 · Wells Fargo is one of the biggest banks in the U.S., with $1.9 trillion in assets. With that much capital, it's easy to imagine Wells Fargo operating around the clock. But like most banks, Wells Fargo takes a breather on Sundays and holidays. Keep reading to learn about Wells Fargo's weekly and holiday schedules. Wells Fargo's Hours on Normal Days Most Wells Fargo branches are open six days a ... Set up your Wells Fargo direct deposit by taking just a few easy steps:¹. Download and complete the Wells fargo direct deposit form ² - you can also access a prefilled form in online banking to cut admin time. Print your form and hand it to your employer or the company or agency that pays you. Keep and eye on …Thanks to a service some banks offer on qualified account types, you can access money that is directly deposited, such as a paycheck from an employer, up to … Call 1-800-869-3557, 24 hours a day - 7 days a week. Small business customers 1-800-225-5935. 24 hours a day - 7 days a week. is a trade name used by , LLC and Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of & Company. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. Sign on to Wells Fargo Online or your Wells Fargo Mobile ® app to access Turn Card On or Off. You can also call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit cards. For business debit cards call 1-800-CALL-WELLS (1-800-225-5935). If you think your card has been lost or stolen, report it to us immediately. As long as you deposit a check by the cut-off time on a business day, deposited funds usually are available to you the day after Wells Fargo accepts the deposit. Here’s how the cut-off times work: Deposits made before 9 p.m. PST on business days are available the next business day. Deposits made after 9 p.m. …For ATM transactions and PIN-based purchases that are not fraudulent, call us at 1-877-230-8708 Option #3, Monday – Friday, 7:00 am – 7:00 pm Eastern Time. For any other type of dispute, please call 1-800-TO-WELLS ( 1-800-869-3557 ). Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. Information about processing a claim.Wells Fargo may charge a fee for each inquiry or transaction made at a non-Wells Fargo ATM. The non-Wells Fargo ATM operator or network may also charge a fee. ... (one-time) debit card transactions unless your account is enrolled in Debit Card Overdraft Service. ... Deposit products offered by Wells Fargo Bank, N.A. …Wells Fargo will waive your account’s $10 monthly service fee if you maintain a $500 minimum daily balance or receive $500 or more in qualifying direct deposits during the month. Wells Fargo ...Banking giants Truist, Bank of America, Chase, US Bank, and Wells Fargo faced a system crash today, causing delays in direct deposits. The disruption started around 8am ET and ended at about 1 ...The ins and outs of wire transfers. 1. There are numerous options for sending money, such as checks, mobile apps, and electronic transfers, for different types of needs. When speed and simplicity are top priorities for a money transfer, wire transfers may be a good option. A wire transfer is a method of transmitting money electronically between ...Additional tips to avoid overdrafts. Keep a cushion in your account to cover payments that you may have forgotten to record in your personal transaction register. You can also set up alerts 3 to help notify you by email or text when your …Oct 20, 2021 · PNC Bank. Typically between 12 AM and 8 AM (EST) PenFed Credit Union. Between 6 AM AND 8:30 AM (EST) the day the deposit is received. Regions Bank. Between 3 AM and 9 AM the day before payday. State Employees Credit Union. Overnight processing if deposit is received by 5:30 PM. SunTrust Bank. A Wells Fargo checking account can be opened by telephone, through their website or by visiting a Wells Fargo branch. These methods can also be used to open a Wells Fargo savings a.... Wells Fargo has responded to the issue on social media. In reply to a customer who said, "Wells Fargo direct deposit is officially a day late and customer service has no time frame when the money ... QSR-08222025-6420159.1.1. LRC-0224. Get routing numbers for Wells Fargo checking, savings, line of credit, and wire transfers or find your checking account number. Wells Fargo said in a statement on Friday afternoon that it was aware that some customers’ direct deposit transactions "are not showing on their accounts." "We are working quickly on a ...Free up some time by having your money automatically deposited into your Wells Fargo account. It's fast. You have same-day access to your money on the day of deposit. It's safe. Never worry about checks getting lost, delayed, or stolen. Early Pay Day — receive your money up to two days sooner. Early Pay Day is …Wells Fargo announced on Friday that a "technical issue" was causing some customers to not receive direct deposit payments. "If you see incorrect balances or missing transactions, this may be due ...Wells Fargo Direct Deposit Time. Wells Fargo’s Early Pay Day feature gives you access to your paycheck up to two days before payday. Early Pay Day is free to people with direct deposits and ...For example, if you have a check transaction that posts on your Account Activity screen on Tuesday, the check image will be available after 7 am local time that day (Tuesday). Please note: Wells Fargo Online Check Images are not available from Saturday 10 pm Pacific Time to Sunday 2 am Pacific Time so that our images systems can be updated.Direct deposit online is a convenient and secure way to streamline your payroll process. With direct deposit, you can easily pay your employees without having to worry about manual... Free up some time by having your money automatically deposited into your Wells Fargo account. It's fast. You have same-day access to your money on the day of deposit. It's safe. Never worry about checks getting lost, delayed, or stolen. Early Pay Day — receive your money up to two days sooner. Early Pay Day is automatic when you set up Direct ... Sign on to Wells Fargo Business Online ®. On your desktop Account Summary page, click the vertical dots next to your available balance. Footnote 1. 1 to transfer. Footnote 2. 2 money, pay bills, or view statements. Footnote 3. 3. Simply select your account to view your banking activity.What time does wells fargo start processing for each business day.Im just trying to figure out what time to expect my direct deposit every friday morning.When it was Wachovia all of this information was always available to you.Im not fond of wells fargo.Their internet site is BS it doesnt even show your balance after each transaction like every ...May 19, 2023 · As long as you deposit a check by the cut-off time on a business day, deposited funds usually are available to you the day after Wells Fargo accepts the deposit. Here’s how the cut-off times work: Deposits made before 9 p.m. PST on business days are available the next business day. Deposits made after 9 p.m. PST on business days are available ... This Addendum ("Addendum") and the Wells Fargo Online Access Agreement ("OAA") contain the terms governing your use of the Wells Fargo Direct Pay Service ("Direct Pay"). If we make changes to this Addendum, we will update the Addendum on the Website. We will notify you of any changes or new features following the …With Wells Fargo Mobile deposit (“mobile deposit”), you can make a deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app. Mobile …USAA Direct Deposit Time. USAA allows you to access your funds up to two business days before your pay date, depending on when your employer sends the payment details. Wells Fargo Direct …1-800-225-5935. 1. Transactions means all checks deposited, and all withdrawals or debits posted to your account, including paper and electronic, except debit card purchases and debit card …Direct Deposit Time; Axos bank : Up to 2 days early : BBVA: Typically same business day: BB&T: Usually same day: Bank of New York: Between 2 AM and 5 AM: BECU: Usually same day: ... Wells Fargo: Typically 6:30 AM (EST) on the same business day: Woodforest National Bank: Same day if deposit is …This question is about the Wells Fargo Rewards® Card @m_adams • 03/05/21 This answer was first published on 03/05/21 and it was last updated on 03/05/21.For the most current inform... 3. Standard Interest Rate CDs require a $2,500 minimum opening deposit, unless otherwise noted. The interest rates and Annual Percentage Yields displayed here are for the Wells Fargo Bank locations in the California counties of Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano and Sonoma. $25 minimum opening deposit: Overdraft services: Wells Fargo offers convenient ways to help you stay on top of your account and keep track of your balance to avoid overdrafts. ... Premier Checking or Private Bank Interest Checking account. Time Accounts must be linked at account open and at every renewal. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. QSR-0423-02868. LRC-0323. Find answers to frequently asked questions about your available balance, account history, legal order processing and more. With Wells Fargo Mobile deposit (“mobile deposit”), you can make a deposit directly into your eligible checking or savings account using the Wells Fargo Mobile app. Mobile …If you enter the wrong banking details on your taxes, the IRS will either issue you a paper check or issue a refund to a bank account that's not yours. Check your banking …See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. QSR-02172025-5889717.1.1. LRC-0823. Compare our savings account rates to find the best savings account or CD … Sign on to Wells Fargo Online or your Wells Fargo Mobile ® app to access Turn Card On or Off. You can also call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit cards. For business debit cards call 1-800-CALL-WELLS (1-800-225-5935). If you think your card has been lost or stolen, report it to us immediately. You can add or remove Debit Card Overdraft Service at a Wells Fargo ATM (Select More Choices, Wells Fargo Services), through Online Banking, with a branch banker, or by talking to a phone banker anytime at 1-800-TO-WELLS (1-800-869-3557). Any account holder with transaction authority can add or remove the service on the checking account. Wells Fargo accounts *(Central Time = +1 hour for Eastern Time/ –1 hour Mountain Time/ –2 hours Pacific Time/ –3 hours Alaska Time) Routing instructions for incoming wire transfers Wells Fargo can receive incoming wires in both U.S. dollars and foreign currency. For receiving wire transfers in U.S. dollarsThe ins and outs of wire transfers. 1. There are numerous options for sending money, such as checks, mobile apps, and electronic transfers, for different types of needs. When speed and simplicity are top priorities for a money transfer, wire transfers may be a good option. A wire transfer is a method of transmitting money electronically between ...12571 LIMONITE AVE. EASTVALE, CA , 91752. Phone: 800-869-3557. Services and Information. Get directions. This location is temporarily closed. For more information, please call 1-800-869-3557.This question is about the Wells Fargo Rewards® Card @m_adams • 03/05/21 This answer was first published on 03/05/21 and it was last updated on 03/05/21.For the most current inform...Call 1-800-869-3557, 24 hours a day - 7 days a week. Small business customers 1-800-225-5935. 24 hours a day - 7 days a week. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo ...Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. QSR-06192025-6171425.1.1. LRC-1223. Answers to your questions about transferring money between accounts at Wells Fargo or other financial institutions, and setting up or modifying automatic transfers.See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC. QSR-02172025-5889717.1.1. LRC-0823. Compare our savings account rates to find the best savings account or CD …Wells Fargo will waive your account’s $10 monthly service fee if you maintain a $500 minimum daily balance or receive $500 or more in qualifying direct deposits during the month. Wells Fargo ... Wells Fargo has responded to the issue on social media. In reply to a customer who said, "Wells Fargo direct deposit is officially a day late and customer service has no time frame when the money ... How to receive your $2,500 bonus*. 1. Open. Open a new Premier Checking account at a Wells Fargo branch with a minimum opening deposit of $25 by April 1, 2024. You must provide the bonus offer code to the banker at the time of account opening. Find out how you can combine bank deposit account balances and investment account balances to avoid ...There is a physical limitation on the number of items you can deposit at Wells Fargo ATMs. The limit varies by ATM and will be shown on the screen when items are inserted. ... Check deposits made on weekdays by 9 p.m. local time (8 p.m. in Alaska) are considered received on the same day. If made after 9 p.m. local time …Wells Fargo announced on Friday that a "technical issue" was causing some customers to not receive direct deposit payments. "If you see incorrect balances or missing transactions, this may be due ...NEW YORK--(BUSINESS WIRE)-- Wells Fargo today announced new efforts to limit overdraft-related fees and give customers more flexible options to meet their personal financial needs. These offerings, which include earlier access to direct deposits, a 24-hour grace period before incurring any overdraft fees, the …There is a physical limitation on the number of items you can deposit at Wells Fargo ATMs. The limit varies by ATM and will be shown on the screen when items are inserted. ... Check deposits made on weekdays by 9 p.m. local time (8 p.m. in Alaska) are considered received on the same day. If made after 9 p.m. local time …Questions about banking, mortgage, and investment services? Call 1-800-869-3557, 24 hours a day - 7 days a week. Small business customers 1-800-225-5935. 24 hours a day - 7 days a week. Get phone number, store/atm hours, services and driving directions for TEEL CROSSING OFFSITE. Example of how Extra Day Grace Period works. On Thursday, your available balance 5 is $20. That night, we pay a check you've written for $80, leaving your account overdrawn by $60 and subject to a $35 overdraft fee. On Friday, we receive your deposit 1 of $75 and you don't have other pending transactions, such as debit card purchases, as of ... Credit unions aren’t the only institutions that release payday funds ahead of schedule — big banks such as Capital One offer a one- to two-day advance of …Check Now. Call 1-800-642-4720 or visit a Wells Fargo location . Equal Housing Lender. 1. Additional terms and conditions apply. Balance transfers have no grace period. If your card earns rewards through Wells Fargo Rewards ®, rewards will not be earned on balance transfers. If you transfer amounts owed to another creditor …The Premier Checking account has a $35 monthly service fee. The fee can be avoided each fee period with $250,000 or more in statement-ending qualifying linked balances. The statement-ending qualifying balances for each of these account types include linked (a) consumer bank deposit account balances (checking, savings, … Complete these steps to get the $525 bonus*: Offer expires April 1, 2024 and is available for new savings customers only. 1. Open. At a Wells Fargo branch, open a new eligible consumer savings account with a minimum opening deposit of $25 by April 1, 2024. You must provide the bonus offer code to the banker at the time of account opening. Call 1-800-869-3557, 24 hours a day - 7 days a week. Small business customers 1-800-225-5935. 24 hours a day - 7 days a week. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo ... 12571 LIMONITE AVE. EASTVALE, CA , 91752. Phone: 800-869-3557. Services and Information. Get directions. This location is temporarily closed. For more information, please call 1-800-869-3557. 12571 LIMONITE AVE. EASTVALE, CA , 91752. Phone: 800-869-3557. Services and Information. Get directions. This location is temporarily closed. For more information, please call 1-800-869-3557.Complete these steps to get the $525 bonus*: Offer expires April 1, 2024 and is available for new savings customers only. 1. Open. At a Wells Fargo branch, open a new eligible consumer savings account with a minimum opening deposit of $25 by April 1, 2024. You must provide the bonus offer code to the banker at the time of …Mar 10, 2566 BE ... Many Wells Fargo customers are voicing frustration after money appeared to be missing from their online banking accounts on Friday morning.Funds from an instant payment will typically update the current available balance in a Wells Fargo customer's account within seconds, 24 hours a day, including weekends and holidays. The sending financial institution will generally determine which instant payment network it will use. ---1