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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 personal or financial information on a call that you did not initiate.
  • Do not send personal or financial information through email, as the channel is typically not secure.
  • Shred documents that contain personal or financial information before discarding.
  • Sign up for online billing and financial statements to help reduce the risk of identity theft from stolen paper documents.
  • 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 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.
  • Set up account alerts so you will be notified of online purchases, ATM withdrawals, when your username is retrieved, and more.
  • 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 account information 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 your other online accounts or activities.

    If want to change your username or password, sign on, and access Change Password or Change Username through the menu.
  • Protect your online passwords. Don’t write them down or share them with anyone.
  • Activate 2-Step Verification at Sign-On for an additional layer of security when you sign on to online or mobile banking by sending a one-time verification code to a device, such as your mobile phone.
  • 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.
  • Always sign off from any website after a purchase is made with your credit or debit card. If you cannot sign off, close your browser to help prevent unauthorized access to your account information.
  • Don’t overshare on social media by posting information used by your bank or other companies to verify your identity.
  • Review the privacy options for the social media platforms you join to understand how to limit the amount of information you share.

Email and text messages

  • Protect your email passwords. If scammers gain access to your email account, they can reset your passwords for other 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 open attachments, click on links, or respond to emails or text messages from suspicious or unknown senders.
  • If you receive a suspicious email or text message that appears to be from Wells Fargo and you:
    • Did respond by clicking on a link, opening an attachment or providing personal or financial information, call us immediately at 1-866-867-5568
    • Did not respond, forward the email or text message copy (no screenshots) to us at reportphish@wellsfargo.com. You will receive an automated response.

Online document storage (Cloud)

  • Before saving financial documents to a third-party, online storage service, carefully review the provider’s security and privacy settings and terms of service, as well as our Online Access Agreement. Wells Fargo cannot ensure the security of your information after you download it from our website or servers.
  • Do not store your information on websites that lack security features such as a required sign-on, 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 maintains online statements and tax documents for a period of years, which varies by product type. The amount of time for which the specific product statements are available online is indicated on your Statements and Documents page.
           

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 sign off - do not simply close the browser or app. For your security, Wells Fargo's mobile apps and online banking site will automatically sign 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, mobile apps, 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 wireless router for your home internet connection, follow the manufacturer’s recommendations to configure the router with appropriate security settings.
  • We do not recommend using fingerprint authentication or Apple Face ID® if you share your device. When fingerprint authentication is enabled, any person with a saved fingerprint registered on your device can sign on to the Wells Fargo Mobile® app, view your account information, and complete transactions. For Face ID, if you have family members that look like you, we recommend using your username and password to sign on.