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How We Protect You

We’re proactively advancing our security to help give you the protection you deserve

Wells Fargo is consistently enhancing our security measures and identifying new and emerging threats to help keep your accounts and information secure.

How we identify you

Unique Username and Password
When you enroll in Wells Fargo Online®, we ask you to create a username and password to access your accounts. This information is encrypted during sign on.

Create a unique username and password for your Wells Fargo accounts and don't use any part of your email address. For a stronger password, use an uncommon phrase that includes a mix of letters, numbers, and special characters, for example: Iliketogive99!Presents. The longer your password, the harder it is to crack.

Wells Fargo customer service may request your username to authenticate you by phone, however, we’ll never ask for your password to verify your identity.

Advanced Access
Advanced Access is an additional layer of security that helps protect your information and prevent unauthorized transactions. We may require you to provide an access code to confirm your identity when completing certain transactions or changes (such as adding a new Zelle® payment recipient) as well as accessing sensitive information online. Wells Fargo will also send you an access code when you sign on to online or mobile banking if you activate 2-Step Verification at Sign-On.

Advanced Access safety tips:

  • Do not enter your access code online unless you initiated the request.
  • Do not provide your access code to anyone who calls you.
  • Wells Fargo will not call or text you requesting an access code. We may ask for an access code when you call Wells Fargo customer service. Always contact us using a trusted number on the back of your card or
  • Learn about bank imposter scams.

Make sure that your contact information is up-to-date, so that you can receive the Advanced Access code on your phone.

Security Options
Explore additional sign-on options that you can activate to meet your needs, including two-factor authentication and biometrics.

How we protect your data

24/7 Fraud Monitoring
We are helping to keep your money safe by monitoring your accounts and may contact you if we detect unusual activity. If it's not your purchase, we will help you resolve it. We use various methods to contact our customers including email, text, push notification from the mobile app, or phone call. When we contact you, we will not ask for your card PIN, access code, or your online banking password. 

If your banking behavior differs from your usual activity, we may send you an access code to confirm your identity, prevent certain types of transactions, or restrict account access (including card declines). Further proof of identity may be required before we restore online access.

Encryption & Browser Requirements
Wells Fargo Online and Wells Fargo Mobile® banking sessions and mobile banking sessions are encrypted to help protect your accounts. In addition, Wells Fargo only supports browsers that adhere to our encryption standards. Be sure to keep security patches, anti-virus and malware removal programs, browser versions, mobile apps, and plugins up-to-date on all your devices. We may block outdated browsers that could lead to a security risk.

Automatic Sign Off
Wells Fargo will automatically sign 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 sign off after completing your banking activities.

How you're covered with account protections

Unauthorized Account Activity
Under federal law, Regulation E (Electronic Fund Transfer Act) provides certain protections to consumer customers when there is unauthorized account activity. Regulation E covers transfers of funds through electronic methods such as, the use of a debit or credit card, ATM withdrawals, and direct deposit activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes.

Zero Liability Protection
Wells Fargo Debit and Credit Cards come with Zero Liability protection at no extra cost. You won’t be held responsible for unauthorized transactions, so long as you report them promptly.