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Servicemembers Civil Relief Act (SCRA)

Wells Fargo is committed to providing the benefits and protections required by the Servicemembers Civil Relief Act (SCRA). We appreciate the service of America’s military personnel, and we have dedicated teams to assist you. The SCRA may offer protection or relief to members of the military, their spouses, partners, and dependents.

SCRA benefits and protections
Service members eligible for SCRA benefits have certain rights and protections with regard to their financial obligations. Service members can limit interest rates to 6 percent for debt obligations—such as credit cards and student loans—if they obtained the loan prior to their entry on active military duty. The interest rate reductions are temporary and rates will return to the prior rate at the end of active duty military service (or longer as provided by the law for certain loans). Also, the difference between 6 percent and the service members’ original rate during their term of active service is forgiven.

Additionally, eligible service members will automatically receive protection from repossession, default judgments, eviction and foreclosure.

Eligibility
If you are a service member, including the Reserves or National Guard, the Public Health Services, the National Oceanic and Atmospheric Administration, or the Armed Forces of nations allied with the United States, and your debt obligation was originated prior to your period of military service, you may be eligible for these benefits.

We also recognize that the financial stress experienced by some of our SCRA eligible service members is equally experienced by their households and families at home. Therefore, in order to better support SCRA eligible service member households and families, we extend SCRA benefits and protections to obligations of a spouse, including a partner in a civil union or registered domestic partnership and dependents, even if the service member is not a signer on the loan. These protections will be provided if the obligation would have qualified for SCRA protection for the service member.

Military service orders
If you have been called to military service, or are the spouse, partner in civil union, domestic partner, or financial dependent of a person who has been called to military service, and you haven’t notified us of your status, please send us your active duty military documentation or call us with questions using the contact information on this page.

Additional resources
For more information about Wells Fargo's commitment to service members, please visit Military Banking on wellsfargo.com. If you have questions about SCRA as it relates to your online banking accounts, send us a secure message.

If you have additional questions regarding relief under the SCRA, you may want to contact your superior officer, JAG officer, personal attorney or visit the Servicemembers Civil Relief Act website.