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We Are Updating Our Online Access Agreement

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 24, 2022. 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 Major Changes to the OAA

  • Updated definition of “Online Financial Service” to clarify that the definition also includes any chat, virtual assistant, or similar service, and that not every product or service may be available through Wells Fargo Online/Wells Fargo Business Online and the Mobile Banking Service. 
  • Updated Section 6(l) (Bill Pay Real Time Payments (RTP®) Service (Only With Participating Billers/Payees)) to clarify that the RTP network is operated by a third party (The Clearing House), that your personal information may be shared with third parties as part of the RTP Service, and that certain payment limits may apply.

  • Updated Section 7 (Bank-to-Bank Transfers and Transfers and Payments Between Your Wells Fargo Accounts) to clarify that this section also applies to payments to eligible Wells Fargo credit accounts.   

  • Updated Section 8 (Wells Fargo Mobile Deposit Service) to clarify that the Mobile Deposit Service is only available through the Wells Fargo Mobile app, and that certain deposit limits may apply.  

  • Updated Section 10(a) (Personalized Insights and Money Monitoring) to replace the prior Account Activity Insights sections with terms and conditions for the Money Monitoring service and Personalized Insights service. 

  • Added new Section 10(b) (Business Receipt Manager (Business Eligible Accounts Only)). This section details the terms and conditions for the new Business Receipt Manager service, which may be available for certain business accounts.   

  • Removed outdated references to employer-sponsored retirement plans and deferred compensation plans/accounts.    

  • Updated the mailing address for you to write to us at.