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Online Security Guarantee

Our Commitment

For more than 160 years, Wells Fargo has stood as a symbol of strength and security, serving our customers' financial needs. Today, we remain as committed as ever and use proven technology to protect your personal information.

Our Guarantee

We guarantee that you will be covered for 100% of funds removed from your Wells Fargo accounts in the unlikely event that someone you haven’t authorized removes those funds through our Online Services. To qualify for this guarantee, you must follow Your Responsibilities below.

Online Services means any Wells Fargo Online® or Wells Fargo Business Online® services you use to initiate consumer, business, or brokerage monetary transactions (including trading losses incurred through unauthorized access and activity): (1) online at or, or (2) on your mobile device, via text at our 93557 short code, or via one of our Wells Fargo Mobile® downloadable applications.


The Online Security Guarantee does not apply to services offered through Wells Fargo Business Payroll Services, transactions made through the Commercial Electronic Office (CEO®) portal, or transactions made through Wells Fargo Retail Services’ Merchant Online Resource Center.  

Your Responsibilities

To qualify for the Online Security Guarantee, you must:

  • Not disclose your personal account information to others (including your ATM PIN, online username, password, one time codes, or any other security credential you use to access your accounts), and
  • Promptly report  incidents of unauthorized account access or use by calling the number listed on your statement or on the back of your card. Incidents should be reported within 60 calendar days after the date we send you the account statement showing that unauthorized activity.
  • You must also cooperate with our claims representatives, and comply with our requests and procedures, during the processing of your claim.

Helpful Protection Tips

To learn the steps you can take to help protect your account and personal information, review our Online and Computer Security Tips.

To understand the difference between fraud and identity theft and to recognize common fraudulent tactics used to obtain your information, visit Wells Fargo Fraud Information Center

How our Online Security Guarantee relates to Federal law

Federal law 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.  Employer Sponsored Accounts are not considered to be accounts that are used primarily for personal, family, or household purposes and are not covered by Regulation E.   

All of the protections provided to consumer customers by federal law are considered first to determine if they apply before we review your claim against the protections of the Online Security Guarantee.  In addition, our Online Security Guarantee provides expanded protections beyond what federal law covers, including protections for certain business and brokerage monetary transactions.