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Rapid Alerts Questions

Rapid Alerts – Before You Enroll

What’s the difference between Rapid Alerts and the Credit Card Alerts?

Rapid Alerts are triggered when a transaction is authorized, not after the charges have posted to your account (which can take 2 or 3 days after the transaction is made). In addition to being available by email, Rapid Alerts are also offered as mobile text alerts, which arrive quickly and reach you even if you’re away from your computer.

What kinds of transactions can I track with Rapid Alerts?

There are six available Rapid Alerts, created to help protect you from fraud and keep you on top of your finances:

  • Purchase Amount: Set a limit and receive an alert whenever a transaction goes above that limit.
  • Transaction Declined: Find out when a transaction is declined.
  • Online, Phone, or Mail Purchase: Receive a notification whenever your card number is used to make a purchase through one of these three methods.
  • Foreign Transaction: Receive a notification when your card is used outside the United States.
  • Gas Station Purchase: Monitor when your card is used at a gas station.
  • ATM Cash Advance: Receive a notification when your card is used for a cash advance at an ATM.

Will I receive a large number of alerts?

The number of alerts you receive varies, depending on the number of alerts you have signed up for, the threshold that you set, and how often transactions trigger the alert.

To change the certain parameters that trigger an alert, or to stop receiving an alert, simply sign on to Wells Fargo Online and access the Alerts page.

Is there a charge for the service?

Wells Fargo offers all alerts at no additional cost, however your mobile carrier's message and data rates may apply.

How do I sign up for Alerts?

To receive Alerts as texts on your mobile phone, first enroll your mobile number(s) for text messages:

  1. Sign on to Update Contact Information.
  2. Add your mobile number if you haven’t already, and check the box labeled Allow Mobile Texts for each mobile number you want to enroll.
  3. Read and accept the Consent to Receive Text Messages.
  4. Reply YES ENROLL to the text message we send to your mobile phone.

Once you have enrolled your mobile numbers:

  1. Go to Manage Alerts.
  2. Select your eligible credit card account from the dropdown menu.
  3. For each Alert you want to receive, select the alert, complete any required fields, choose your delivery methods, and select Subscribe.
  4. Read and accept the Terms and Conditions if you haven’t already.

Can I receive mobile text alerts on any mobile phone?

You can enroll up to four mobile numbers to receive text alerts. Your mobile numbers must:

  • Be registered to you: Mobile numbers belonging to friends or family members cannot be enrolled to receive text alerts for your account.
  • Be with a domestic carrier: Wells Fargo is unable to deliver text alerts to mobile carriers outside of the United States.
  • Be capable of receiving text messages: Some pre-paid and regional carriers may not support text alerts.

Rapid Alerts – After You Enroll

What if I receive an alert about a transaction I do not recognize?

Check to see if an unfamiliar transaction is one of the following:

  • An automatic bill payment you set up for a recurring service (like cable or telephone)
  • A large purchase that was divided into smaller transactions
  • An aggregated charge (several small purchases combined into one, such as buying $0.99 songs online)
  • A purchase initiated by an authorized cardholder who has the same card number
  • An authorization charge from a restaurant or hotel

If you still cannot identify the transaction, please call the number on the back of your card.

What if the amount of a purchase in an alert is different from the amount on my bill?

Alerts are triggered based on the initial authorization amount that the merchant sends to us, which may or may not include the estimated tip, and is not necessarily the final amount that you actually signed for. Your account will only be charged the final amount.

What do I do if my mobile number changes?

If your mobile number changes:

  • Sign on to Update Contact Information.
  • Enter your new mobile number and check the box to enroll it for text messages.
  • Read and accept the Consent to Receive Text Messages.
  • Reply YES ENROLL to the text we send to your mobile phone.
  • Go to Manage Alerts to subscribe to text alerts for your new mobile number.

Note: Removing or editing an existing number will interrupt other services currently associated with that number (for example Text Banking).

What does it mean when my mobile number is listed as “disconnected”?

Your number may be listed as disconnected for a number of reasons, including:

  • You entered your number incorrectly.
  • Your mobile account is inactive.
  • Your carrier plan isn’t set up to receive text messages.
  • You recently moved your number to a new carrier.
  • You recently asked Wells Fargo to change your mobile number.

If you aren’t sure why your number is disconnected, please contact your mobile carrier directly for more details.

Will I continue to receive text alerts if I change mobile carriers, even if my number remains the same?

When you move your number to a new mobile carrier, you'll need to re-enroll your mobile number for text messages.

  1. Sign on to Update Contact Information.
  2. Check the box to verify your number.
  3. Check the second box to re-enroll your number for text messages.
  4. Reply YES ENROLL to a text message we send your mobile phone.

How do I turn off text alerts?

There are two ways to stop text alerts:

  • Text the words “STOP ALERTS” to WELLS (93557).

OR

  • Sign on to Wells Fargo Online to access the Alerts page, and select each Alert that you want to unsubscribe from.