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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 sign up for online 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 consider using a unique phrase with a mix of letters and numbers that you only use for Wells Fargo accounts. Avoid using any part of your email address or information shared on social media, like the name of your pet, favorite movie, or anything else that someone could easily guess. We recommend your username and password only be used for your Wells Fargo account. For a stronger password, pick a phrase with a mix of letters and numbers. 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
Wells Fargo is continuously enhancing our authentication tools to help protect your account from fraud. We will initiate Advanced Access for certain high-risk transactions or changes (such as adding a new Zelle® payment recipient), requiring you to enter a one-time passcode to confirm your identity.

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

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

How we protect your data

24/7 Fraud Monitoring
We are helping to keep your money safe by monitoring your account and alerting you to certain account activity we find suspicious. We may send a text or call if we notice unusual activity on your account. If it’s not your purchase, we will help you resolve it. 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 we restore online access.

Encryption & Browser Requirements
All online and mobile banking sessions are encrypted 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 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 we protect against account fraud

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

#1 in Customer Privacy & Security

Wells Fargo captured first place in “Privacy & Security” for the Dynatrace Mobile Banking Scorecard, outranking 15 other U.S. retail banks.