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How We Protect You

For more than 160 years, account security has been a top priority for Wells Fargo. Because threats are ever-changing, Wells Fargo is proactively advancing our security to help protect your financial information, on your side with evolving technology and committed support.

Safeguarding your accounts requires a partnership between you and Wells Fargo. Explore the many ways we can work together to help keep your information secure and learn more about how to protect yourself.

How we identify you

Unique Username & Password

When you sign up for online or mobile banking, we ask you to create your own username and password to access your accounts. This information is encrypted during sign-on. To create a strong username and password, use special characters and avoid using any part of your email address, name of your child or pet, or anything else that someone could easily guess. To help protect yourself, ensure that your Wells Fargo username and password differ from those you use for other online accounts or activities and update them regularly. Touch ID is a convenient option to use your fingerprint instead of your username and password to sign on to the Wells Fargo Mobile® banking app on your Apple device.

Wells Fargo customer service representatives may request your username to authenticate you by phone; however, we do not request your password to verify your identity.

Advanced Access

Wells Fargo is continuously enhancing our authentication tools to help protect against unauthorized account access. Advanced Access is initiated by Wells Fargo for certain high-risk transactions or events (such as adding a new SurePay recipient), requiring you to enter a one-time passcode to confirm your identity.

Enhanced Sign On (two-step authentication)

Enhanced Sign On is a customer-elected feature that, once activated, adds an additional layer of protection every time you sign on to Wells Fargo Online® by sending a one-time verification code to a device, such as your mobile phone. You can activate this option within online banking by selecting "Enhanced Sign On Options".

How we protect your data

Encryption & Browser Requirements

From the moment account information leaves your computer to the time it enters Wells Fargo's system, all online and mobile banking sessions are encrypted. We employ strong encryption software to help protect your accounts. Wells Fargo also only supports browsers that adhere to our high encryption standards. We may block outdated browsers that could possibly lead to a security risk so be sure to keep your browsers up to date. The presence of a "closed lock" icon in your browser indicates encryption is being used on the webpage you are viewing.  In addition, and internet address that begins with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."

Automatic Log Off

Wells Fargo will automatically log you off from your online or mobile banking session after a period of inactivity. This reduces the risk of others accessing your information from your unattended computer or mobile device. For your security, always log off manually when leaving your device unattended.

Ongoing Monitoring

We have additional security measures that may be activated in response to certain activities or events through our ongoing monitoring efforts. If your online behavior looks out of the ordinary from your usual activities, we may restrict account access or prevent certain types of transactions. These measures help safeguard your personal and account information. Further proof of identity may be required before online access is restored.

How we protect against unauthorized transactions

Online Security Guarantee

In addition, under federal law, Regulation E (Electronic Fund Transfer Act) provides certain protections to consumer customers when there is unauthorized account activity. Regulation E covers electronic fund transfer activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes. All of the protections provided by Regulation E are incorporated into our Online Security Guarantee. In addition, our Online Security Guarantee expands these protections to cover other types of unauthorized transactions, including certain business and brokerage monetary transactions as described above. Learn how our Online Security Guarantee works.