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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 November 30, 2023. 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 5(e) (Electronic Fund Transfers Provisions (Consumer Accounts Only) – Handling Preauthorized (Recurring) Payments), to remove references to Wells Fargo stop payment fees.
  • Updated Section 6 (Digital Bill Pay (Wells Fargo Bill Pay and Wells Fargo eBills)), to add references to Wells Fargo Bank Priority Credit Line (soon to be known as Portfolio Access Line) and to remove references to Wells Fargo overdraft fees.
  • Updated Section 8(b) (Online Wires – Security Procedure), to clarify the security procedure for Online Wire Transfers.

  • Updated Section 9(a) (Wells Fargo Mobile Deposit Service – Description), to clarify that the Mobile Deposit Service is only available on the Wells Fargo Mobile app versions for eligible Mobile Devices.

  • Deleted Section 12(b) (Account Insights – Business Receipt Manager (Business Eligible Accounts Only)).

  • Updated Section 17(a) (Security – Description), to clarify that Wells Fargo may also set other security authentication and control standards.

  • Updated Section 17(c) (Security – Transfers Security Procedures (Excluding Online Wires)), to end applicability of the Section to Online Wire Transfers and to clarify the security procedure for other transactions that are subject to Article 4A of the Uniform Commercial Code.

  • Updated Section 18(b) (Privacy and Use of Information – Acknowledgments and Agreements), to clarify that Wells Fargo may collect biometric data to authenticate your identity and to enhance the security of your accounts.

  • Updated Section 21(h) (Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provision – Small Claims Court), to clarify that the arbitration agreement only applies to disputes in which either party seeks to recover an amount of money (excluding attorneys’ fees and costs) that exceeds the jurisdictional limit of the small claims court.

  • Updated Section 22(c) (Notices and Communications With Us – Phone Calls and Text Messages), to clarify that phone calls and text messages from Wells Fargo may vary in frequency.