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Online Security Guarantee

If you follow the requirements set forth in the Your Responsibilities section below, we guarantee that you will be reimbursed for 100% of funds removed from your Wells Fargo accounts in the unlikely event that someone you haven’t authorized fraudulently removes those funds through our eligible Online Services.

Online Services

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.

Your Responsibilities

To qualify for the protections provided by the Online Security Guarantee, you must:

  • Never disclose your personal account information to others (including, but not limited to, your Personal Identification Number (PIN), online username, password, one time passcodes, RSA SecurID® token, or any other security credential you may use to access your accounts);
    • Note: If your device allows access to anyone other than you via fingerprint, that person will also be able to access your Wells Fargo Mobile downloadable applications on the same device when Touch ID® or fingerprint is enabled, and their transactions will be considered authorized.
  • Report any suspected incidents of unauthorized account access or fraud to us within 60 calendar days after the date we send you the account statement showing the suspected unauthorized activity; and
  • Fully cooperate with our claims representatives and comply with our requests and procedures during the processing of your claim.


The Online Security Guarantee does not apply to:

  • Mobile deposit
  • Transactions made through the Commercial Electronic Office® (CEO®) portal or CEO® Mobile
  • Transactions made through Wells Fargo Retail Services’ Merchant Online Resource Center
  • The Wells Fargo Retirement Plan Website, where the loss:
    • Is the fault of your employer or a third-party authorized by your employer (other than Wells Fargo);

    • You entered the Wells Fargo Retirement Plan Website with credentials (user name and password) created on your employer’s own privately maintained portal referred to as delegated authentication.

      Please see for more information.

Please see the Online Access Agreement and your account agreement for information about your rights and responsibilities related to reporting errors or unauthorized transactions.

Online Security is a Collective Responsibility

To learn more about steps you should take to help protect your accounts and personal information, review our Fraud Prevention Tips.

To help recognize common fraudulent tactics used to obtain your information, visit Wells Fargo’s Security Center.