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Fraud Prevention Tips

You play an important role in safeguarding your information. Follow these tips to help protect yourself from fraud and identity theft.

Protect Your Accounts

Identity Protection

  • Store your Social Security card, financial documents, and unused credit cards in a secure location.
  • Never provide payment or sensitive information on a call that you did not initiate.
  • Do not send any personal or sensitive information through email, as the channel is typically not secure.
  • Shred documents that contain personal or financial information before discarding.
  • Review your credit report at least once a year to look for unauthorized accounts that are opened in your name. Receive a free credit report once a year from each of the three major credit bureaus at www.annualcreditreport.com.

Account and Card Security

  • Report lost or stolen checks and debit or credit cards immediately.
  • Monitor your transactions online regularly and report suspicious charges promptly. Consider paperless options for your bill and financial statements.
  • Set up account alerts so you will be notified of withdrawals and deposits to your account and suspicious card activity.
  • Limit the amount of information printed on your checks to your name and address.
  • Always keep your debit and credit cards in a safe and secure place.
  • Do not give out your card number over the phone unless you initiated the call using the phone number on the back of your card or the company’s website.
  • If you receive a replacement debit or credit card, cut up and discard your old card.

ATM PIN Protection

  • When selecting a Personal Identification Number (PIN), do not use a number or word that appears in your wallet, such as name, birth date, or phone number.
  • Cover the keypad while entering your PIN at an ATM, grocery store, or any other location.
  • Do not write your PIN anywhere, especially on your card, and never share it with anyone.
  • Safely store or securely dispose of your transaction receipts.


Protect Yourself Online

Online Security

  • Use a unique username and password for your Wells Fargo account, update them regularly, and do not use any part of your email address as your username or password. Ensure that your Wells Fargo username and password differ from those you use for other online accounts or activities.

    If you know your username and password and want to change them, sign on, and access Change Password or Change Username through Profile and Settings in the More menu.
  • Protect your online passwords. Don’t write them down or share them with anyone.
  • Enroll in Enhanced Sign On for an additional layer of protection when you sign on. 
  • When shopping online, use secure websites to make purchases. Look for secure transaction signs such as a closed-lock icon and “https://...” in the address bar.
  • Don’t overshare on social media by providing information used by your bank or other companies to verify your identity.
  • Always log off from any website after a purchase transaction is made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.
  • Review the privacy options for the social media platforms you join to understand how to limit the amount of information you share.

Email Security

  • Protect your email passwords. If scammers gain access to your email account, they can reset your passwords for other financial websites, locking you out of your own account. Note: Password resets for Wells Fargo Online are conducted on the website and do not involve your email account.
  • Do not immediately open email attachments or click on links in unsolicited or suspicious-looking emails.
  • If you receive a suspicious email or text message and you:
    • Did respond by clicking a link, opening an attachment, or providing personal information, call us immediately at 1-866-867-5568.
    • Did not respond, report the email to us at reportphish@wellsfargo.com.

Online Document Storage (Cloud)

  • Before saving financial documents to a third-party online document storage service, carefully review the provider’s security and privacy settings and terms of service, as well as our Online Access Agreement and Online Security Guarantee. Wells Fargo cannot ensure the security of your information once you download it from our website or our servers.
  • Do not store your information on websites that lack security features such as required log in, data encryption, https, etc.
  • Storing your financial documents online may make them searchable and accessible to others, exposing your sensitive information. If you need to download a financial document, save it locally on your computer or on a ‎secure storage device.
  • Wells Fargo Online® retains tax documents for up to four years and many account statements for up to seven years.
           

Protect Your Devices

Device Security

  • Safeguard your devices to help protect your accounts. Use the security functions that come with your device, such as the keypad lock or desktop password screen savers when it is not in use.
  • Do not access your financial accounts through public Wi-Fi networks, such as in a coffee shop or library.
  • Delete text messages from your financial institution before loaning out your device. Wipe your device before discarding or selling it.
  • If you lose your mobile device or change your mobile phone number, sign on to Wells Fargo Online® to remove the old number from your mobile banking profile.
  • Avoid storing your banking password or other sensitive information on your computer, smartphone, or in an app where it could be discovered if your device is stolen.
  • When you finish banking online or on your mobile device, always log off - do not simply close the browser or app. For your security, Wells Fargo's mobile apps and online banking site will automatically log you off after 10 minutes of inactivity.
  • Do not alter or "jail break" your mobile device. This may make your device vulnerable to malicious software.
  • Avoid downloading programs and apps from unknown sources. Download programs and applications from a trusted source, like your phone’s app store or the manufacturer’s website.
  • Keep security patches, anti-virus and malware software, browser versions, and plugins up to date for your devices.
  • Configure your devices to prevent unauthorized users from remotely accessing your devices or home network. For example, if you use a home wireless router for your home internet connection, follow the manufacturer’s recommendations to configure the router with appropriate security settings.