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ATM/Debit Card Alerts Questions

What types of ATM/debit card/prepaid alerts are available?

There are six ATM/debit card/prepaid alerts you can sign up for:

Purchases

Tell me when a single purchase made with my 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 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 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.

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ATM Activity

Tell me when an ATM withdrawal made with my 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 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.

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Declines

Tell me when my 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 ATM/debit card alerts?

To sign up for ATM/debit card alerts:

  1. Sign on to Messages & Alerts
  2. Select the Set Up/Modify Alerts tab
  3. Click the Set Up/Modify link next to the card number you would like to set up alerts for.
  4. Check the boxes and delivery points next to the alerts you would like to receive
  5. Click Save at the bottom of the page to save your selections.

If I subscribe to the ATM/Debit Card Activity Alerts, will you still monitor my accounts for out-of-pattern activity?

Absolutely - these alerts supplement the current fraud detection measures we have in place. We regularly review your accounts for out-of-pattern 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-TO-WELLS (1-800-869-3557). Business customers please call 1-800-CALL WELLS (1-800-225-5935). 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 to help protect our customers against potential fraud, and phone calls to verify transactions as part of a unique fraud prevention effort, separate from the ATM/Debit Card Activity 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-TO-WELLS (1-800-869-3557). Business customers please call 1-800-CALL WELLS (1-800-225-5935). Phone Bankers are available 24 hours a day, 7 days a week.

I have more than one account linked to my card. Will activity from all linked accounts be included in these ATM/Debit Card Activity Alerts?

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

Will I receive alerts for transactions made by any joint accountholders or other authorized signers on accounts linked to my card?

No. Joint accountholders and other authorized signers have unique ATM/debit card numbers and must sign up for ATM/Debit Card Activity Alerts individually.

Why are the transaction amounts shown in my ATM/Debit Card Activity 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 may send a $1 authorization request to check that your card is open and active.

Why is there a delay in receiving my ATM/Debit Card Activity Alerts?

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 ATM/Debit Card Activity 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 amount, we will not send you an alert.  For example, if your preset amount is $5.00, you will only see an alert if the transaction is $5.01 or higher.

If my 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 Activity Alerts?

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

Will I receive more than one ATM/Debit Card Activity Alert in a day?

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

What if a transaction qualifies for more than one alert?

If a transaction qualifies for more than one alert, we may only send you a single alert for that transaction.  For example, if you signed up for the Online, Phone or Mail Order purchase alert with a preset amount of $25.00 and the Single Purchase alert with a preset amount of $25.00 and you make a purchase over the internet for $30.00, we will only send you one alert.

How long do ATM/Debit Card Activity Alerts stay in my Messages & Alerts inbox?

ATM/Debit Card Activity Alerts will stay in your Messages & Alerts inbox until the expiration date listed next to the mesaage, 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.

Where can I learn more about what Wells Fargo Alerts are available to me and how to sign up for Wells Fargo Alerts?

You can learn more about the types of alerts we offer by clicking here.

You can read our Alert FAQs and learn how to enroll in text message alerts by clicking here.