Business Debit & ATM Card Alerts Questions

What types of alerts are available for my business debit or ATM card?

You can choose from a number of card alerts. Choose to be notified when:

A purchase or ATM withdrawal is made from an international location.

This includes any cash withdrawals performed at an ATM located in a country outside of the United States, as well as any purchases from a merchant located outside the United States.

A purchase is made over the internet, by phone, or mail order.

Your total purchases exceed XX dollars in one day.

We total all purchase transactions performed with your card in a 24 hour period, and generate this alert if the total of those purchases exceeds the amount that you selected.

Your total ATM withdrawals exceed XX dollars in one day.

We total all ATM withdrawal transactions performed with your business debit or ATM card in a 24 hour period, and generate this alert if the total of those withdrawals exceeds the amount that you selected.

Your card is declined.

We will tell you when your card was declined and tell you the reason why your transaction was declined.  If necessary, we will include instructions to contact Wells Fargo.

How do I sign up for alerts for my business debit card?

  1. Sign on to Messages & Alerts
  2. Select the Set Up/Modify Alerts tab
  3. Look for Unusual ATM/Debit/Prepaid Card Activity under the Security and General Alerts section and click on the Set Up link
  4. Check the boxes next to the alerts you would like to receive

If I subscribe to these Wells Fargo account alerts, will you still monitor my accounts for unusual activity?

Yes. Wells Fargo account alerts supplement the current fraud detection measures we have in place. We regularly review your accounts for unusual activity. Working together, we can help prevent fraud.

What should I do if I do not recognize a transaction listed in an alert?

If you do not recognize a transaction, please call us immediately at 1-800-CALL-WELLS (1-800-225-5935). Non-business customers, please call 1-800-TO-WELLS (1-800-869-3557). Phone Bankers are available 24 hours a day, 7 days a week.

Why did I receive a phone call asking me to verify transactions performed with my card?

We use different methods of protecting our customers against potential fraud. Phone calls to verify transactions are part of a unique fraud prevention effort, separate from card alerts.

Why did I receive an alert that a purchase was made from an international location when I have not traveled outside the U.S.?

Sometimes merchants that transact over the internet, by mail, or by phone order are located outside the U.S., so these transactions originate from an international location even though the cardholder does not travel outside the U.S. However, if you do not recognize a transaction, please call us immediately at 1-800-CALL-WELLS (1-800-225-5935). Non-business customers please call 1-800-TO-WELLS (1-800-869-3557). Phone Bankers are available 24 hours a day, 7 days a week.

I have more than one account linked to my card. Will card activity from all linked accounts be included in these alerts?

Yes, all transactions from accounts linked to your business debit or ATM card will be monitored and included in the alert(s) if they meet the criteria.

Will I receive alerts for transactions made by joint account holders or authorized signers on accounts linked to my card?

No. Joint account holders and other authorized signers have unique business debit or ATM card numbers and must sign up for debit and ATM card alerts individually.

Why are the transaction amounts shown in my alerts different from the actual amounts of the transactions?

The amount shown in the alert reflects the transaction amount sent by the merchant for approval or authorization. The final posted amount may vary. Some merchants, such as hotels and car rental agencies, may request an authorization for an estimated amount of the charges you may incur. Other merchants, such as gas stations, may send a $1 authorization request to check that your card is open and active.

Why is there a delay in receiving my alert?

We process alerts on a nightly basis, and this process generates an alert to your email address and secure inbox the next day. Occasionally you will receive an alert for a transaction which you made several days before. There are several reasons why this can occur, the most common of which is a simple delay by the merchant in processing your transaction. For internet, phone, and mail order transactions, there may be a delay in the final transaction amount posting to your account, based on when the order is fulfilled.

I expected to receive one of the alerts for a particular transaction, but an alert was not sent. Why?

We send alerts based on certain information in the transaction record sent by the merchant. Occasionally a merchant (or their processor) omits certain information from the transaction record so we are not able to identify the transaction as one that meets the alert criteria.

If my business debit or ATM card number changes (for example, if I lose my card and order a replacement card) will I need to re-subscribe to the debit/ATM card alerts?

If your card number changes as a result of ordering a replacement card, we will do our best to automatically transfer the alerts subscription(s) to your new card number. To verify your current alerts subscription at any time, sign on to your account, select the Messages and Alerts tab, and then click on Set Up/Modify Alerts.

Will I receive more than one card alert in a day?

If you subscribe to more than one type of card alerts, and two or more alerts qualify to be sent in a given day, we will consolidate these alerts into one version for delivery to your secure inbox and email address provided when you subscribed.

How long do card alerts stay in my Messages & Alerts inbox?

The debit and ATM card alerts will stay in your Messages & Alerts inbox until the expiration date listed next to the message, unless you delete them sooner. To save a message or alert for longer than the expiration date that’s listed next to the message in your inbox, you can copy and paste the text into a word processing document and save it on your computer.