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 November 25, 2025. 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 definition of “Eligible Account” in the Preamble, to include advisory accounts.
- Added a new Section 8(g) (Digital Wires – Recurring and Future-Dated Orders), to provide terms for recurring and future-dated digital wire transfers, which are new functionalities. Sections following this one have been accordingly renumbered (Sections 8(h)-8(k)).
- Updated Section 8(h) (Digital Wires – Cancellation and Amendment), to provide terms regarding the cancellation and amendment of recurring and future-dated digital wire transfers.
- Updated Section 9(d) (Wells Fargo Mobile Deposit Service – Mobile Deposit Funds Availability), to specify that – in some cases – the first $400 of a business day’s check deposits may not be made available to you on the day we receive the deposits and/or we may not make all the funds you deposit by check available to you on the first business day after the day of your deposit.
- Updated Section 11(a) (Alerts – Description), to clarify that our alert messages may include statement ready notifications.
- Updated Section 16(c) (Security – Transfers Security Procedures (Excluding Digital Wires)), to clarify that the security procedures described in this section also may apply to ExpressSend (and any successor product) transfers.
- Updated Section 17(a) (Privacy and Use of Information – Description), to clarify that (i) our treatment of your information will be in accordance with any applicable notice provided to you at the point of collection (in addition to our applicable privacy notices) and (ii) we may use information about your interaction with our services for marketing purposes and as specified in our privacy notices (in addition to the other purposes already disclosed in this Section).
- Updated Section 17(b) (Privacy and Use of Information – Acknowledgements and Agreements), to clarify that (i) we capture web browsing history and similar information and that we may share that information with our third parties in accordance with our privacy notices and applicable law and (ii) we may also collect location data to comply with law, authenticate you, prevent fraud, enhance the security of your accounts, and provide services to you.
- Updated Section 18 (Your Additional Responsibilities), to insert new responsibilities for customers interfacing with our technology, including prohibitions on (i) activities harmful to our services, (ii) harming or violating the rights of others, (iii) engaging in deceptive or illegal behavior, (iv) distributing viruses and similar malware, (v) spamming or phishing activities, and (vi) reverse engineering, extracting components from, or gaining unauthorized access to our services.
- Updated Section 23(b) (General Provisions – Governing Law), to delete the last sentence of that section, which had stated that in litigation regarding the OAA, the prevailing party would be entitled to recover costs and reasonable attorney's fees.
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