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Why are you getting this notice?
When you enrolled in Wells Fargo Online®, Wells Fargo Business Online®, or created access to the online services through Wells Fargo Mobile® or Wells Fargo Advisors®, you reviewed and accepted our Online Access Agreement (OAA), which governs your use of our online and mobile products and services. We are revising the OAA with updated terms and conditions, effective May 21, 2026. Please review the updated Online Access Agreement with key changes summarized below.
Do you need to do anything?
If you agree with these changes, you don’t need to take any action. Continuing to use the Service after the effective date indicates your agreement with these changes.
Summary of Key Changes to the OAA
- Updated the toll-free number in Sections 3(c) (Availability and Unavailability of Service), 3(d) (Terminating Online Access), 12(f) (Year-end Tax Reporting Documents), and 16(b) (User Names and Passwords) for brokerage accounts and services.
- Updated Sections 6(a) (Digital Bill Pay (Wells Fargo Bill Pay and Wells Fargo eBills) - General Description); Section 6(i) (Bill Pay Instant Payment Service (Only With Participating Billers/Payees)); Section 7(d) (Bank-to-Bank Transfers, and Transfers and Payments Between Your Wells Fargo Accounts - Transfer Types and Limitations) and Section 9(a) (Wells Fargo Mobile Deposit Service – Description) to clarify that, to help manage risk and protect your account and our services, we may establish or modify limits on the amount, frequency, or type of transactions you can initiate using our payment services, or your transaction limits may be temporarily reduced or subject to additional restrictions; updated Private Bank references to Private Wealth throughout.
- Updated Section 7(j) (Bank-to-Bank Transfers, and Transfers and Payments Between Your Wells Fargo Accounts – Our Liability), to change “applicable overdraft line” to ‘a credit account linked for Overdraft Protection’.
- Updated Section 8(d) (Digital Wires – Transmission Method) to clarify that there is no obligation to honor any payment order or instruction in violation of applicable law, including U.S. sanctions and export control laws.
- Added a new Section 8(e) (Digital Wires – Transaction Limits) to clarify that, to protect your account, online wire transaction limits may have daily or rolling 30-day restrictions and that we may establish or modify limits on the amount, frequency, or type of transactions you can initiate using our payment services, or your transaction limits may be temporarily reduced or subject to additional restrictions. Subsections following this one have been renumbered accordingly (Sections 8(f)-8(l)).
- Updated Section 12(e) (Online Statements and Documents – Access) to clarify that statements and documents may be available for viewing, downloading, or saving for approximately 90 days after account closure, and to add that if not available online, to contact us.
- Updated Section 17(a) (Privacy and Use of Information – Description) to clarify how we use the data along with our service providers.
- Updated Section 17(b) (Privacy and Use of Information – Acknowledgements and Agreements) to (1) clarify that Wells Fargo may collect, retain, and use certain information, including for marketing unless you’re under 18, and add channels where communications may be monitored and recorded; (2) clarify your responsibilities when you invite third parties to a communication or provide information about a minor; (3) add information for minors about our practices and the Minor Privacy Notice; (4) clarifies acknowledgements and agreements regarding use of information, including when you send us information linkable to an individual’s physical or mental health and (5) clarifies we may collect precise geolocation data.
- Updated Section 20(a) (Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provisions – Description) to remove parenthetical language regarding “this Agreement”.
- Updated Section 20(b) (Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provisions – Non-Judicial Dispute Resolution) to add that if the Arbitration Agreement is deemed unenforceable or void, or for any action to enforce the Arbitration Agreement, the parties irrevocably consent to the exclusive jurisdiction of the state or federal courts in the state whose laws govern your account.
- Updated Section 20(c) (Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provisions – Definition of Disputes) to remove language referring users to the Arbitration provision.
- Updated Section 22 to clarify 1) specific information about U.S export control and sanctions laws 2) your representation that you or your business are not physically located in an embargoed region 3) that you or your business are not included on the Specially Designated Nationals List or otherwise a target of sanctions; 4) that you or your business will not use the Service in violation of applicable anti-bribery and corruption laws, including the U.S. Foreign Corrupt Practices Act; and 5) that Wells Fargo reserves the right to immediately block or reject transactions or revoke access to the Service if you or your business is otherwise prohibited by sanctions; all as further described in this section.
