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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, 2024. 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 Section 6 (Digital Bill Pay (Wells Fargo Bill Pay and Wells Fargo eBills)), to remove references to Portfolio Access Line (that product will continue to be referred to as the Wells Fargo Bank Priority Credit Line).
  • Updated Section 6(a) (Digital Bill Pay (Wells Fargo Bill Pay and Wells Fargo eBills) – General Description), to modify the Bill Pay limits chart to reflect previously disclosed changes to certain Bill Pay limits.
  • Updated Section 6(i) (Digital Bill Pay (Wells Fargo Bill Pay and Wells Fargo eBills) – Bill Pay Instant Payments Service (Only With Participating Billers/Payees)), to clarify that the Bill Pay instant payments service is only available in the Wells Fargo Mobile app for smartphones and certain other devices.
  • Updated Section 7(d) (Bank-to-Bank Transfers, and Transfers and Payments Between Your Wells Fargo Accounts – Transfer Types and Limitations), to clarify the limits applicable to transfers.
  • Updated Section 8(a) (Digital Wires (formerly known as Online Wires) – Description), to indicate that Online Wires are now referred to as Digital Wires.
  • Updated Section 8(i) (Digital Wires (formerly known as Online Wires) – Currency), to clarify currency exchange processes for wires and to explain the crediting back of international wires that are returned to Wells Fargo.
  • Updated Section 11(a) (Alerts – Description), to clarify that not all alerts are subscription-based.
  • Updated Section 18(a) (Privacy and Use of Information– Description) to clarify the ways we may collect, retain, and analyze information about your interactions with us, and the ways we may monitor your interactions with us.
  • Updated Section 18(b) (Privacy and Use of Information– Acknowledgements and Agreements) to (i) clarify that we may track and record your use of our digital properties, (ii) to remind you that we may share that information with a third party in accordance with our privacy policy and applicable law, and (iii) to establish conditions on your use of our digital properties when you are outside the U.S.
  • Updated Section 19 (Your Additional Responsibilities), to add language stating that you will not provide, and we cannot accept, trade instructions in any chat, virtual assistant, or similar service.
  • Updated Section 22(c) (Notices and Communications With Us – Phone Calls and Text Messages), to clarify the terms applicable to phone calls and text messages from Wells Fargo.
  • Updated Section 23 (Export Control and International Use), to clarify your obligations relating to U.S. export control and sanctions laws.