Online Banking Enrollment Questions

How do I access my Wells Fargo accounts online?

Sign up for Wells Fargo Online® to view and manage your personal and business accounts securely online, anywhere or anytime you have internet access. After answering a few questions during the sign-up process, you'll have an opportunity to create a username and password.

Once you have created a username and password, you can sign on to Wells Fargo Online from your computer, mobile device or tablet to access all of your eligible Wells Fargo accounts. In some cases, we may need to contact you by phone to complete the sign-up process. Once successfully signed up, you will receive confirmation by email or U.S. Mail.

How do I access my accounts through Mobile Banking?

Once you successfully sign up for Wells Fargo Online, you can use the same username and password to view your accounts through your mobile device. Visit wf.com or download our Wells Fargo Mobile® Banking app for Blackberry, iPhone, Android, Windows Phone and Tablet.

How do I get a username and password?

You will have an opportunity to create a username and password during the online sign-up process. Joint account holders can also sign up and  will have their own distinct username and password.

Follow these guidelines to create a valid username and password that meets our security standards:

Your username:

  • Must be 6 to 14 characters, including at least one letter
  • Cannot contain 9 or more numbers
  • Must not contain special characters other than hyphens (-) or underscores (_)
  • Must be different than your password, ATM PIN, or Social Security number, and not easy for others to guess

Your password:

  • Must be 6 to 14 characters, including at least one letter
  • Cannot contain 9 or more numbers
  • Must be different than your username, ATM PIN, or Social Security number, and not easy for others to guess
  • Cannot repeat the same number or letter more than 3 times in a row
  • Cannot contain more than 3 sequential numbers or letters (such as '1234' or 'abcd') in a row

Password tips:

  • It's best not to use just a word or a name (consider adding a number or special character such as @, %, &, #)
  • You should change your password occasionally for added security
  • Memorize your password and never write it down or reveal it to anyone, including bank employees
  • Never let other people use your password

What kind of information do I need to provide during the sign-up process?

  • Social Security number. We use your Social Security number as part of our identification process because it is unique to each individual. We also use it to determine which accounts you are eligible to access. If you don't have a Social Security number, leave the field blank and check the box marked "I do not have an SSN." To learn how we protect and use customer information, read our privacy policies.
  • Account number. You only need to enter one account number. You may enter your personal or business account number for any one of these Wells Fargo accounts: checking (including money market), savings (including market rate), CD (Time Account), credit card, mortgage, loan or line of credit (including home equity and commercial), auto loan, student loan, Brokerage, Health Savings Account, or Individual Retirement Account (IRA).
  • ATM card number. You can enter an ATM card number instead of an account number if you wish.
  • Email address. Your email address is required and must be valid to ensure you can receive important information about your accounts.

Is the sign-up process for business customers different?

If you are a business customer please enter your personal Social Security number (not your Employer Identification Number) so that we can identify you as an individual and verify your authorization for online access to the account number you enter. Upon verification of your identity and authority for online access, we will provide you online access to all eligible business accounts, provided you have proper signing authority on the account(s).

In addition, you will gain online access to any eligible personal Wells Fargo account for which you are an owner or joint-owner. Depending on the types of accounts you have and your relationship to these accounts, your accounts will appear in one or more views. After your online enrollment is complete, you will be able to select a username and password to sign on.

If you need additional assistance, please call 1-800-956-4442.

I just opened a new account but I don't see it online. What should I do?

If you don't see all your eligible Wells Fargo accounts online, sign on to Wells Fargo Online, go to Account Services page, click Add Accounts, and select the account(s) you want to add from the dropdown list.

  • Eligible personal and business accounts include checking and savings, credit card, mortgage, home equity accounts, personal loans and lines of credit, commercial loans, business lines of credit, auto loans, student loans, brokerage, IRAs, HSAs, and CDs (Time Accounts).
  • If you do not see the account you want to add in the Add Accounts dropdown list, please call 1-800-956-4442.

Is it safe to bank and pay bills online?

When you sign up for Wells Fargo Online, you create a unique username and password so you - and only you - can access your accounts. For over 160 years, Wells Fargo has been a leader in standards for account security. Today, we remain as committed as ever and utilize proven technology to protect your personal and financial information and your privacy. Learn more about how we protect you online.

We guarantee that you will be covered for 100% of the funds in your Wells Fargo account in the unlikely event that someone you haven’t authorized removes those funds through our Online Services, which includes mobile banking. You are responsible for protecting your password and account information and for providing prompt notification of an unauthorized transaction. Additional terms and conditions apply.  Certain products are excluded.  Visit our online security guarantee for more information.

Is there a charge to access my accounts online?

There is no monthly or per transaction fee for accessing your account information or initiating transfers on the internet during your secure Wells Fargo Online session. However, if you choose to bank online with Quicken®, there is a monthly fee of $3 for unlimited access and transfers. Read our Quicken frequently asked questions for more details.

Is there a charge to use Bill Pay?

Most of our customers qualify for free Bill Pay. There's no monthly service fee when you meet either of the following requirements:

  • Have an eligible checking account, or
  • Keep a minimum balance of $5,000 in qualifying accounts at all times

See a list of eligible and qualifying accounts.

Even if you're not eligible for the monthly service fee waiver, you can still try Bill Pay for free for the first two months. After that, Bill Pay is $3 per month (includes up to 25 payments per month; each additional payment costs $0.40). The monthly service fee will be assessed starting in the first month of use after the free trial period. Charges may apply for same-day payments. Account fees (e.g. monthly service fees, overdraft fees, and excessive usage fees) may apply to the Bill Pay funding account - refer to your account agreement for more information.

Credit card customers

Regardless of whether or not you pay the monthly service fee, if you choose to use your eligible Wells Fargo credit card to fund any Bill Pay payments, interest and fees will apply to each of the transactions. There is no grace period for these transactions. Periodic interest will begin to accrue on the date your Bill Pay payment is sent, at the periodic rate for purchases stated in your Customer Agreement and Disclosure Statement. Wells Fargo Rewards® program points will not be earned for Bill Pay payments.

Why do I need to validate my email address?

As an Online Banking user, you are required to maintain a valid email address with us to ensure you can receive important information about your Wells Fargo accounts and receive timely notices when your online documents are available.

How do I validate my email address?

  • You will receive an email message from us with the Subject line “Please Validate Your Email Address”. This email contains a unique 6-digit code that you will be required to enter to validate your email address. You have 21 days from the time you enrolled to validate your email address or your online account access will be canceled.
  • Sign on to Online Banking and enter the 6-digit code when prompted, to validate your address.
  • If you can’t find the email that we sent you, select “Please Resend the email because I can’t find it” and click Submit. A new email and code will be sent to you.
  • If the email address shown is wrong, select “The email address isn’t correct and I need to update it”. Enter your new email address and click Submit. Your address will be changed and a new email and code will be sent to you.

How do I get an email address?

A number of internet service providers offer free email service, so you can set up an email address.