Business Debit & ATM Card Alerts Questions

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

There are seven business ATM/debit card alerts you can sign up for:

Purchases

Tell me when a single purchase made with my business card exceeds my preset amount. We will send you an alert when a purchase is made that is greater than the amount you entered when you signed up for this alert.

Tell me when a purchase made over the internet, by phone or mail order with my business card exceeds my preset amount. We will send you an alert when a purchase is made over the internet or at merchants that accept payments over the phone or by mail that is greater than the amount you entered when you signed up for this alert.

Tell me when a purchase made outside the United States with my business card exceeds my preset amount. We will send you an alert when a purchase is made at a merchant located outside the United States that is greater than the amount you entered when you signed up for this alert.

ATM Activity

Tell me when an ATM withdrawal made with my business card exceeds my preset amount. We will send you an alert if an ATM withdrawal is made at an ATM located within or outside of the United States that is greater than the amount you entered when you signed up for this alert.

Tell me when an ATM withdrawal made outside the United States with my business card exceeds my preset amount. We will send you an alert when an ATM withdrawal is made at an ATM located outside the United States that is greater than the amount you entered when you signed up for this alert.

Declines

Tell me when my business 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.

Suspicious Card Activity

Wells Fargo will contact you when suspicious or unusual activity is detected on your card requiring verification by you.

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

  1. Sign on to Wells Fargo Business Online and access Manage Alerts through the More menu.
  2. Choose an account for which you want to add or edit alerts. You’ll also be able to add general and security alerts.
  3. Remember to enter dollar thresholds and frequency of alerts where appropriate.
  4. Select Subscribe or Update.

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 and/or text message asking me to verify transactions performed with my card?

We use multiple methods to help protect our customers against potential fraud.  In addition to the ATM/Debit/Prepaid Card Activity Alerts, you may receive a phone call or text message asking you to verify one or more transactions.

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 when each transaction comes to Wells Fargo and this will generate an alert to your secure inbox and any external contact points you have selected.  Most of the time, we can send you an alert within minutes of a transaction occurring.  Occasionally there are delays by the merchant in processing your transaction or delays in systems outside of Wells Fargo’s control.

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.

We also send alerts based on the amounts you choose when you sign up for alerts.  If a transaction amount equals or is below the preset amount, we will not send you an alert.

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 ATM/debit 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 subscriptions to your new card number. To verify your current alerts subscription at any time, sign onto Wells Fargo Business Online, access Manage Alerts through the More menu To re-subscribe, simple re-select your alerts.

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

We will send you an alert for each transaction that meets the alert criteria and your preset amount.

How long do card alerts stay in Message Center?

The debit and ATM card alerts will stay in Message Center 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, you can copy and paste the text into a word processing document and save it on your computer.