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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
Servicemembers eligible for SCRA benefits have certain rights and protections with regard to their financial obligations. Servicemembers can limit interest rates to 6 percent for debt obligations—such as loans and credit cards—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 servicemembers’ original rate during their term of active service is forgiven.

Additionally, eligible servicemembers will automatically receive protection from default judgments and repossession, eviction, and foreclosure without a court order.

If you are a servicemember, 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 loan was originated prior to your period of military service, you may be eligible for certain benefits.

We also recognize that the financial stress experienced by some of our SCRA eligible servicemembers is equally experienced by their households and families at home. Therefore, in order to better support SCRA eligible servicemember households and families, we extend certain 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 servicemember is not a signer on the loan. These protections will be provided if the obligation would have qualified for SCRA protection for the servicemember.

In addition, you are a service member on active duty or currently receiving SCRA benefits, prior to seeking a refinance of your existing loan, please consult with your legal advisor regarding the impact a refinance may have on your eligibility under the Servicemembers Civil Relief Act or applicable state law.

Additional resources
For more information about Wells Fargo's commitment to servicemembers, please visit our Military Resource Center.

If you have additional questions regarding relief under the SCRA, you may want to contact your superior officer, JAG officer, or personal attorney. Wells Fargo does not provide legal advice regarding SCRA.

Military service documentation

If you have been called to military service, or are the spouse, partner in civil union, domestic partner, or dependent of a person who has been called to military service, and you haven’t made us aware of your status, please send us a copy of your military service documentation, such as active duty orders or commanding officer letter. Do not send copies of your government ID.

Sign on to Wells Fargo Online® to easily and securely upload your military service documentation. You can also send your military service documentation through these other ways:

Mail/Overnight Mail:
Wells Fargo Bank
c/o SCRA Request
DSR - MAC D118-02M
1525 W. WT Harris Blvd.
Charlotte, NC 28262-8522


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For secure email options, call us at 1-855-USA-2WFB (1-855-872-2932)