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How We Protect You

As part of Wells Fargo’s ongoing efforts to build a better bank, we are proactively advancing our security to help protect your financial information, on your side with evolving technology and committed support.

Safeguarding your accounts is 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 a username and password to access your accounts. This information is encrypted during sign-on. To create a strong username and password, use a mix of letters, numbers, and special characters, and the longer your password, the better. Avoid using any part of your email address or information shared on social media, like names of your children or pets, or anything else that someone could easily guess. Ensure that your Wells Fargo username and password differ from those you use for other online accounts.

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 Zelle® payment recipient), requiring you to enter a one-time passcode to confirm your identity. 

Be aware of bank imposter scams; Wells Fargo will not call or text you requesting a one-time passcode.

2-Step Verification at Sign-On (two-factor authentication)

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.

Biometric Authentication

Use your fingerprint or facial features to sign on to the Wells Fargo Mobile® app without having to remember your username and password. When calling customer service, you can use your voiceprint to securely verify your identity and access your accounts. As one of many layers of security, biometrics use your physical characteristics to verify your identity using fingerprint authentication, Voice Verification, and Apple Face ID®.

Wells Fargo does not store your fingerprint or Face ID image.

How we protect your data

Encryption & Browser Requirements

All online and mobile banking sessions are encrypted with strong encryption software to help protect your accounts. In addition, Wells Fargo only supports browsers that adhere to our encryption standards. We may block outdated browsers that could lead to a security risk, so be sure to keep your browsers up to date.

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 after completing your banking activities.

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 banking behavior differs from your usual activity, we may restrict account access or prevent certain types of transactions. Further proof of identity may be required before online access is restored.

How we protect against unauthorized transactions

Online Security Guarantee

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.

Zero Liability Protection

Wells Fargo Credit and Debit Cards come with Zero Liability protection at no additional cost to you which means you will be reimbursed when you promptly report unauthorized card transactions.

Leader in Banking Safety

Wells Fargo was recognized as a leader in Javelin’s 2017 "Account Safety in Banking Scorecard" report: 

  • Leader in Prevention
  • Leader in Detection
  • Leader in Resolution