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Our Commitment To You

The following information applies to retirement plan participants only. For Health Savings Account (HSA) disclosures and additional information, please access your HSA online, or contact HSA Customer Services at 866-884-7374, Monday through Friday, 7:00 a.m. to 8:00 p.m. CT.
  • We do not sell customer information to third parties.

  • We do not share customer information with outside parties who may wish to market their products to you.
    You do not have to take any action or instruct us to keep your information confidential. We will protect your privacy automatically.

  • Within the Wells Fargo companies, we safeguard your customer information carefully.
    We do not share information about your retirement accounts within the Wells Fargo family of banks and companies except for purposes of the administration of your account, unless you or your employer authorizes us to do so.

  • We are committed to protecting your customer information in every transaction, at every level of our organization.
    For this purpose, we have designed standards, procedures, and the supporting technology to help us meet this commitment to you.
At Wells Fargo Institutional Retirement and Trust, we value your relationship, and we work diligently every day to honor the trust you placed in us when you became a participant in your employer's retirement plan with Wells Fargo. We intend to continue earning that trust every day. That is why we welcome this opportunity to describe our Digital Privacy and Cookies Policy and Online Security Guarantee. You will also find Fraud Information to help you protect yourself from fraud including the steps we take to protect your personal information and a copy of the Online Access Agreement that you accepted when you initially accessed your retirement account.
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Date of most recent update: July 7, 2015

Introduction and scope of policy

This Policy (“Policy”) applies to your interaction with Wells Fargo & Company or any of its subsidiaries (collectively, “Wells Fargo,” “we,” “us,” “our”), at any online or mobile site or application that we own and control (“Site”), unless a different online and/or mobile policy is posted at a particular site, or is made available to you and by its terms supplants this Policy. Other privacy policies may also apply in addition to the terms of this Policy. As examples, certain additional Wells Fargo privacy-related policies and notices are posted on the Privacy Policy Index. These include the Wells Fargo U.S. Consumer Privacy Notice, which also applies to U.S. customers and consumers as described in that notice and various international privacy policies, which apply to information collected by us outside of the U.S. as described in those policies. You may also receive an additional privacy notice in connection with your use of a particular product or relationship with a specific business. For example, Trust or fiduciary accounts for which Wells Fargo is the trustee or service provider, including employer-sponsored retirement accounts, are protected under special rules of confidentiality. Information on these accounts is not shared for marketing purposes without specific consent. This Policy also explains certain data use and data protection functionalities and practices of our online ads, such as banner ads, on third party sites. Please note that where we have another type of presence on a site owned by a third party, such as a page or handle on a social media site, that third party’s privacy policy and terms of use, rather than this Policy, will govern, unless specifically stated otherwise.

Agreement to policy

By using a Site or interacting with a Wells Fargo advertisement or page or account on a third party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

Gathering, using, and sharing information

Types of information

You may interact with us in a variety of ways online, including through a mobile device. We may offer sites or applications that permit browsing and do not require registration. We may also offer the ability to enroll, register or access your accounts online. Information that we may collect about you through online interaction includes information that you input, such as your name, address, email address, other contact information; data resulting from your activity, such as transaction information; and location information. We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies, as described further below.

About “cookies” and Ad Choices on third party sites

Cookies are pieces of data stored on your device. Browser cookies are assigned by a web server to the browser on your device. When you return to a site you have visited before, your browser gives this data back to the server. Mobile applications may also use cookies.

We use cookies and information gathered through their use to make your experience with Wells Fargo and certain other sites richer and more personalized based on the products, services, or other interaction you have with us and other sites. Information gathered through use of cookies may be used to make offers to you via online ads, email, U.S. mail, or telephone, subject to the privacy preferences you have on file with Wells Fargo. (Privacy preferences for employer-sponsor retirement accounts default to no marketing, solicitation or sharing for marketing purposes without specific consent.) We also use cookies, sometimes in conjunction with service providers, in online advertising either on our own Site or on third party sites to help determine which of our advertisements are most likely to appeal to you. We respect consumers’ ability to exercise choice in receiving these types of ads on third party sites. We honor your choice as follows: For this type of advertising placed on third party sites, we participate in the program utilizing the Advertising Options Icon. If you receive an ad delivered on a third party site in part based on information gathered through the use of cookies, you may opt out of receiving such ads by clicking the displayed icon and following the instructions or by visiting http://www.aboutads.info/. This opt-out works via cookies, so if you delete cookies, use a different device, or change web browsers, you will need to opt out again. Please note that we respect your choice via participation in the Advertising Options Icon/aboutads.info program. Industry standards are currently evolving and we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser.

Other parties that may collect information about your web browsing behavior when you use our Site are generally limited to service providers who may only use any information collected to provide services and marketing for us and not to provide services or advertising for any other party. Note, however, that we also provide certain widgets or tools on our sites, such as tools that allow web surfers to easily share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our site, such as a map or information streaming from another site, including communications streaming from a third party social media platform. These widgets, tools, and informational items often function through the use of third party cookies utilized by the third party site, such as the social media platform. As a result, these third parties may have access to information about your web browsing on the pages of our Site where these widgets, tools, or information are placed. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain through the use of cookies.

We also use cookies for purposes such as maintaining continuity during an online session; gathering data about the use of our site; monitoring online promotions; and anti-fraud and information security purposes.

Do you have to accept cookies?

You may be able to set your browser to reject browser cookies. However, if you choose to reject cookies, you cannot access your accounts online with Wells Fargo. Therefore, if you set your browser options to disallow cookies, you will limit the functionality we can provide when you visit our Site. The latest versions of internet browsers provide cookie management tools, such as the ability to delete or reject cookies. We recommend that you refer to information supplied by browser providers for more specific information, including how to use these tools.

Additional cookies

Cookies is a term also used to describe other locally stored objects, such as cookies stored in an Adobe folder on your device. These cookies will not be deleted when you clear cookies from your browser. We may use this technology for purposes such as information security and fraud prevention. We do not use this technology for online behavioral advertising purposes. Please refer to information provided by Adobe for information on how to disable and control Flash objects. If you choose those options, you may limit the functionality we can provide when you visit our Site.

Additional technologies. We may also use additional technologies such as pixel tags, web beacons, and clear GIFs, and may permit our third party service providers to use these technologies. We use these technologies for purposes such as measuring the effectiveness of our advertisements or other communications, determining viewing and response rates, and determining which offers to present to you on our own or on third party sites.

Using information. In addition to the uses described above, we use information for purposes as allowed by law such as: servicing; communicating with you; improving our Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites; and using read-receipt notifications in our email communications.

Sharing

We may share information with service providers with whom we work, such as data processors and companies that help us market products and services to you. When permitted or required by law, we may share information with additional third parties for purposes including response to legal process. As applicable, please see the additional privacy policies referenced above, such as the Wells Fargo U.S. Consumer Privacy Notice, for more information on how we may share information with affiliates and third parties.

Children’s privacy

From our web pages, we do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents.

For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.

Policy updates and effective date

If we make updates to this Policy, we will update the Policy with the changes and revise the “date of most recent update” posted at the top of this Policy. Any updates to the Policy become effective when we post the updates on the Site. Your use of the Site following the update to the Policy means that you accept the updated Policy.
NOTE: The Online Security Guarantee described below applies to the Wells Fargo Retirement Plan Website along with the following two additional exclusions where the loss:

  • is the fault of your employer or a third-party authorized by your employer (other than Wells Fargo); or
  • you have 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.

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 wellsfargo.com or wellsfargoadvisors.com, or (2) on your mobile device at wf.com, 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 the Business Online Payroll Service, business transactions made through the Commercial Electronic Office (CEO®) portal, transactions made through Wells Fargo Retail Services’ Merchant Online Resource Center or credit card accounts issued by Wells Fargo Financial National Bank. Wells Fargo Financial National Bank credit cards are typically merchant or industry branded credit cards that consumers apply for through a merchant or service provider. If you are unsure who your credit card issuer is, please consult your cardholder agreement or your billing statement.

Your responsibilities

You are responsible for protecting your password and account information by:

  • Not disclosing your personal account information to others (including your ATM PIN, online username, and password), and
  • Promptly reporting incidents of unauthorized account access or use by calling 1-800-956-4442 (individual or business customers) 1-866-817-7940 (brokerage customers) or 1-800-728-3123 (Employer Sponsored Accounts) within 60 calendar days after the date we send you the account statement showing that unauthorized activity. Our representatives are available 24 hours a day, 7 days a week, to assist you.


You must also cooperate with our claims representatives, and comply with our requests and procedures, during the processing of your claim. It’s a good idea to start a written record on the date that you file a claim, and make notes regarding any subsequent phone calls or correspondence.

Claims resolution

Your claim will typically be resolved within the following timelines:

  • For consumer and covered small business checking and savings accounts — 10 business days from the date the claim was received.
  • For ExpressSend® global remittances — 90 calendar days from the date the claim was received.
  • For consumer and covered small business credit cards, personal and home equity lines of credit, and other covered business lines of credit — up to 90 calendar days from the date the claim was received.
  • For brokerage cash transfers — 45 calendar days from the date the claim was received.
  • For brokerage trading activity — 90 calendar days from the date the claim was received.
  • For Employer Sponsored Accounts — 90 calendar days from the date the claim was received.


If we require additional time to resolve your claim, you will be notified of the delay, expected resolution date, and whether or not provisional credit of the claim amount will be provided during the extended resolution period.

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’s 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. Regulation Z covers certain types of consumer credit accounts that are 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 Regulations E and Z. All of the protections provided to consumer customers by Regulations E and Z 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 these Regulations to cover other types of unauthorized transactions, including certain business and brokerage monetary transactions as described above.
NOTE: If you entered the Wells Fargo Retirement Plan Website with credentials (user name and password) created on your employer’s own privately maintained portal you accepted the terms of the Employer Direct Online Access Agreement instead of the Online Access Agreement described below.
Online Access Agreement (Version Effective June 23, 2015)
This Online Access Agreement (“Agreement”) governs your use of:

  • Wells Fargo Online®
  • Wells Fargo Business Online®
  • Wells Fargo Advisors online services


In this Agreement, “Service” refers to all Wells Fargo Online, Wells Fargo Business Online, and Wells Fargo Advisors online services.

Please read this Agreement carefully. By clicking “I Agree” below, or by using the Service, you are agreeing to the terms of this Agreement.

This Agreement covers, among other things:

  • Our obligations to you.
  • Your obligations as a user of the Service.
  • Waiver of "two or more signature" requirements on accounts.
  • How we send you notices and disclosures.
  • Your agreement with us to use binding arbitration for most disputes arising under this Agreement or about the Service and to waive the right to a trial by jury.
  • Your waiver of class-action rights.
  • Limitations on our liability to you.
  • Your mutual agreement with us that South Dakota law will control this Agreement, without regard to conflict-of-law rules.


If you have any questions regarding this Agreement, please call 800-956-4442.

Table of Contents

Definitions

1. About This Agreement


A. Description
B. Other Agreements with Us
C. Conflicts Between Agreements
2. The Service

A. Description
B. Owners, Authorized Representatives and Delegates
C. Signature Requirement Waiver
D. Acknowledgements and Agreements
3. Access

A. Accessing Eligible Accounts and Online Financial Services
B. Terminating Access
4. Eligible Accounts and Online Financial Services: Additional Provisions

A. Removing Online Access
B. Electronic Funds Transfer Timing
C. System Maintenance
D. Account Linking and Display
E. Emails and Text Messages
5. Business Eligible Accounts: Additional Provisions

6. Digital Bill Pay (Wells Fargo Bill Pay)

A. Description
B. Fees
C. Monitoring
D. Stop/Change Payment
E. Scheduling Payments
F. Errors and Liability
G. Joint Accounts
H. Termination
I. Conflicts Between Sections
J. Additional Provisions (Business Accounts Only)
K. Acknowledgements and Agreements
7. Wells Fargo eBills

A. Description
B. Requirements
C. Individual and Joint Responsibility
D. Fees
E. Hours
F. Wells Fargo eBills Statement Delivery
G. Termination
H. Payment Processing
I. Changes to Charges, Fees or Other Terms
J. Questions/Errors
K. Disputes
L. Acknowledgements and Agreements
8. Wells Fargo Same Day PaymentsSM Service

A. Description
B. Overdrafts
C. Fees
D. Monitoring
E. Stop/Change Instructions
F. Scheduling Payments
G. Errors and Liability
H. Additional Provisions (Business Accounts Only)
9. Electronic Funds Transfer Provisions (Consumers)

A. Applicability
B. Your Liability
C. Errors/Unauthorized Electronic Funds Transfers/Questions
D. Documentation
E. Changes to Debit Amounts
F. Stop Payment Orders for Pre-authorized Electronic Funds Transfers
G. Acknowledgements and Agreements
10. Alerts

A. Description
B. Using Alerts
C. Alert Delivery Timing
D. Terminating Alerts
E. Acknowledgements and Agreements
11. Online Statements and Documents

A. Description
B. Eligible Accounts
C. Enrollment
D. Check Images
E. Access
F. PMA Packages
G. Year-end Tax Reporting Documents
H. Terminating Online Documents
12. Using Financial Management Software

A. Description
B. Online Banking and Bill Pay Access
C. Fees for Online Banking
D. Transfers
E. Bill Pay with Financial Management Software
F. Bill Pay Fees
G. Disclaimers
H. Additional Limitations of Liability
I. Acknowledgements and Agreements
13. Third-Party Software and Content

A. Description
B. Disclaimers
C. Additional Limitations of Liability
D. Acknowledgements and Agreements
14. Communicating with Us
15. Fees

A. Fees for Eligible Accounts and Online Financial Services
B. Payment
16. Security

A. Description
B. Usernames and Passwords
C. Protecting Your Security
D. Acknowledgements and Agreements
17. Privacy and Use of Information

A. Description
B. Acknowledgements and Agreements
18. Additional Responsibilities

A. Your Responsibilities
B. Acknowledgements and Agreements
19. Disclaimers

A. Disclaimer of Warranties
B. Limits on Liability and Obligations
C. Indemnification
20. Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provisions

A. Description
B. Non-judicial Dispute Resolution
C. Definition of Disputes
D. Binding Arbitration and Waiver of Class Action Rights
E. Rights Preserved
F. Miscellaneous
G. Fees and Expenses
H. Small Claims Court
21. Notices and Communication

A. Description
B. Electronic Delivery
C. Phone Calls and Text Messages
D. Returned and Unclaimed Information
E. Contact Information Changes
F. Implementation of Notices
G. Acknowledgements and Agreements
22. Export Control and International Use

A. Description
B. Acknowledgements and Agreements
23. General Provisions

A. Amendments
B. Termination
C. Governing Law
D. Assignment
E. Intellectual Property and Other Proprietary Rights
F. Entire Agreement
G. Waiver
H. Failure to Act
I. Headings

Definitions

Term Meaning
We, Us, Our and Wells FargoWells Fargo Bank, N.A. and any of its affiliates or direct or indirect subsidiaries, when any of them have established an Eligible Account or provided an Online Financial Service.
You or YourEach Owner of an Eligible Account, a person applying for an Eligible Account, any Shareowner Services Account, or Trust and Managed Investment account Eligible Beneficiary entitled to online access, or a Delegate.
Authorized RepresentativeA person with authority to take action or make decisions on behalf of another person with respect to an Eligible Account or an Online Financial Service. This definition includes any person who may (i) manage or administer an Eligible Account or an Online Financial Service, or (ii) authorize another person to access an Eligible Account or Online Financial Service.
Authorized SignerA person who has your actual or apparent authority to transact business on your Business Eligible Account(s), whether or not that person has signed the signature card or other documentation for your account(s). We may continue to recognize an Authorized Signer’s authority until we receive and have a reasonable time to act upon your written modification or revocation of it.
BusinessAny person or entity other than a Consumer with an Eligible Account where an Online Financial Service is requested.
Business Eligible AccountAn account owned by a Business that is an Eligible Account.
Business DayEvery day is a Business Day except Saturdays, Sundays, and federal banking holidays.

For brokerage accounts and Shareowner Services Accounts, Business Day excludes U.S. stock exchange holidays.
Consumer A person (not a business or other entity) with an Eligible Account for which an Online Financial Service is requested primarily for personal, family or household purposes. A participant in an employer-sponsored retirement plan or deferred compensation plan is not considered to be a consumer.
Consumer Eligible AccountAn account owned by a Consumer that is an Eligible Account.
DelegateAuthorized Representatives appointed using the Delegate Tools
Delegate ToolsAccess management tools we provide that help you manage the authority and access for some of your Authorized Representatives. Delegate Tools let you limit or control the access that certain Authorized Representatives will have to, and/or tasks they can perform with an Eligible Account or Online Financial Service.
Eligible AccountEach Wells Fargo product you have or have applied for that is accessible through the Website.

Eligible Accounts include deposit accounts, loans, credit cards, lines of credit, investment products, securities account, brokerage accounts, rewards accounts, and other products or accounts you have with us.
Eligible BeneficiaryA person named in the governing document of a Trust and Management Investment Account as the recipient or potential recipient of funds from the account. An Eligible Beneficiary is entitled to have online access to that account.
Financial Management SoftwareQuicken®, QuickBooks®, Turbo Tax®, and other software we may identify on the Website.
Mobile DeviceA cell phone, smartphone, tablet, or any other handheld or wearable communication device satisfying the hardware and software requirements we specify.
Include/IncludingWhen used at the beginning of a list of one or more items, indicates that the list contains examples. The list is neither exclusive nor exhaustive, and the items in the list are intended only as illustrations. They aren’t the only possible items that could appear in the list.
Mobile Banking ServiceEach of the products and services you may access through the Service using a Mobile Device. These products and services may be accessed through browser, apps, and text banking, for example. Not all Eligible Accounts are accessible through the Mobile Banking Service.
Online Access ProcessThe term Online Access Process includes:

  • The terms under which you’re allowed to access and use the Service via the Website.
  • The process used to access the Service (including required security procedures) via the Website.
  • Our right to change, suspend or terminate all or part of the Service, this Agreement, or your access to the Service.
Online Financial ServiceThe term Online Financial Service includes:

  • Each product/service you may access or enroll in through the Website and other related services can include the Mobile Banking Service, for example. Not every product/service available through the Online Financial Service may be available through the Mobile Banking Service.
  • Actions you take, and instructions you give us, through the Website about opening or maintaining Eligible Accounts.
  • Information we make available to you on the Website about certain insurance policies you bought through us. Display of insurance products within your online account is not evidence of insurance coverage.


The term Online Financial Service does not include an Eligible Account.

OwnerAnyone who owns an Eligible Account as indicated in our records, and any Authorized Representative of that person.
ServiceAll Wells Fargo Online, Wells Fargo Business Online, and Wells Fargo Advisors online services, plus all the Eligible Accounts and Online Financial Services you can access via the Website after entering into this Agreement.
Shareowner Services AccountEach securities account that is an Eligible Account which is accessible through the Website.
Trust and Managed Investment AccountEach Wells Fargo investment management or trust account you have with us that is an Eligible Account, including trust administration, investment management, fiduciary and certain custodial accounts, for example.

Trust and Managed Investment Accounts don’t include Health Savings Accounts, employer-sponsored retirement or deferred compensation accounts.
WebsiteThe term Website includes:

  • All Wells Fargo Online, Wells Fargo Business Online and Wells Fargo Advisors online services Websites and all other Web pages maintained by us and accessible through wellsfargo.com, wellsfargoadvisors.com or through wf.com for the Mobile Banking Service and m.wellsfargoadvisors.com for the Mobile Brokerage Service.
  • Any other Website or Web pages you can access only after you, or a person for whom you’re acting as an Authorized Representative, enter into this Agreement.


Website does not include any Website with its own separate agreement governing online access.

Investment and Insurance Products:

  • Are Not insured by the FDIC or any other federal government agency
  • Are Not deposits of or guaranteed by a Bank
  • May Lose Value

1. About This Agreement

A. Description
B. Other Agreements with Us
C. Conflicts Between Agreements
A. Description

The Service is subject to this Agreement. The following are also considered part of this Agreement:

  • General Terms of Use for the Website.
  • Terms or instructions that appear on a screen when enrolling for, activating, accessing, or using the Service.
  • Wells Fargo’s rules, procedures and policies that apply to the Service, any Eligible Account, or any Online Financial Service.
  • The rules and regulations of any funds transfer system or payment system used in connection with an Eligible Account or Online Financial Service.
  • State and federal laws and regulations, as applicable.
B. Other Agreements with Us

In addition to this Agreement, you may have a separate agreement for each of your Eligible Accounts and Online Financial Services. Those agreements will continue to apply to each of those accounts or services.
C. Conflicts Between Agreements

If this Agreement conflicts with another agreement, or another agreement has terms that are not addressed in this Agreement, then the other agreement will control and take precedence, unless this Agreement specifically states otherwise.

The other agreement will only control with respect to the Eligible Account or Online Financial Service it is associated with, and only to the extent necessary to resolve the conflict or inconsistency.

Additional provisions regarding online services or features that appear in another agreement covering your Eligible Account or Online Financial Service, but not in this Agreement, will apply. Example: If your Eligible Account or Online Financial Service is covered by another agreement and a dispute arises between you and us under that agreement, then the dispute resolution and governing law provisions in that other agreement will control.

There are two exceptions to the general rule described above: If another agreement you have with us includes terms that address the Online Access Process, this Agreement will control and take precedence in resolving any inconsistencies between this Agreement and the terms in the other agreement that address the Online Access Process. Also, the original version of this Agreement is in the English language. Any discrepancy or conflicts between the English version and any other language version will be resolved with reference to and by interpreting the English version.

2. The Service

A. Description
B. Owners, Authorized Representatives and Delegates
C. Signature Requirement Waiver
D. Acknowledgements and Agreements
A. Description

Under the terms and conditions of this Agreement, you may use the Service to:

  • Access your Eligible Accounts.
  • Obtain Online Financial Services.
  • Perform authorized transactions through the Website.


For your Eligible Accounts, transactions available to you may include obtaining balance information, transaction history and other information. For some Eligible Accounts, the balances and transaction history may only show activity as of the close of the previous Business Day.

We provide insurance policy information for informational purposes only. Please contact your insurance carrier for current, accurate coverage details.

We will update our Website if we eliminate or introduce new features to the Service.

B. Owners, Authorized Representatives and Delegates

If an Eligible Account is owned by more than one person, or has more than one Authorized Representative, each person individually may provide us with instructions, make any decision, obtain any information or make any request associated with the Eligible Account and related Online Financial Services, to the extent allowed by agreements covering the Eligible Account.

If you make someone an Authorized Signer on a Business Eligible Account, and he/she is enrolled in the Service, we can treat him/her as an Authorized Representative.

If you tell us that an Authorized Representative is no longer authorized, we’ll consider his/her transactions unauthorized only when:

  • You tell us that you did not want or intend the transaction(s); and
  • The Authorized Representative performs them after you let us know he/she is no longer authorized; and
  • We have reasonable opportunity to act on your notification.


For more details, please see the agreements for your Eligible Accounts and Online Financial Services.

We may offer Delegate Tools (online or otherwise) that help you manage the authority and access of some of your Authorized Representatives and Delegates you appoint.

Additional features include:

  • Owners and certain Authorized Representatives of Eligible Accounts may use the Delegate Tools to name a Delegate.
  • We may provide Delegate Tools that let one Delegate establish, or manage the access of, another Delegate.
  • Delegates who are Authorized Representatives may also have authority in addition to that established using the Delegate Tools.
  • We will treat a Delegate appointment by one Owner or certain Authorized Representatives of an Eligible Account as a Delegate appointment by all other Owners of that Eligible Account.
  • View Only – Guest users and authorized users may have access to an Eligible Account or Online Financial Service, but only to view balance and transaction information.
  • View and Transact – Authorized users may have access to an Eligible Account or Online Financial Service, and may engage in and authorize specified transactions permitted by the Service.

All Delegate transactions performed on an Eligible Account or Online Financial Service within the scope of the authority you grant using the Delegate Tools, are transactions authorized by you – even transactions you did not want or intend. You, not we, are solely responsible for those transactions.

If you use Delegate Tools to change or end the authority of a Delegate, we’ll consider transactions unauthorized when:

  • You end a Delegate appointment through the Website; and
  • You did not intend to make the transaction; and
  • We have a reasonable opportunity to act on your notice.


To end a Delegate appointment you made on the Website:

  1. Access the Website using your username and password.
  2. Select the applicable link to manage access to your accounts on the Account Services page.
  3. Follow the directions to delete the Delegate.


You can also call 800-956-4442 or the phone number located on your statement for assistance in managing your Delegate access. If you made a Delegate appointment through another area, you must follow the process for terminating the Delegate appointment through that same area. If the power was granted through a trust instrument or state law, you must act in accordance with all applicable terms or laws.

We may permit you to allow a Delegate to initiate funds transfers or other transactions on an Eligible Account or through an Online Financial Service.

If you allow a Delegate to initiate funds transfers or other transactions, then you agree that for those transactions the Delegate is an Authorized Signer on the Eligible Account, subject to the terms of the separate agreement for your applicable Eligible Account.

If you make someone who is enrolled in the Service an Authorized Signer on an Eligible Account, we may treat that Authorized Signer as a Delegate and automatically assign View and Transact authority to that Delegate.

You agree that you may only appoint Delegates in accordance with the requirements we provide to you. This provision takes precedence over any conflicting provision in any other agreement you have with us. We may discontinue offering Delegate options or permitting Delegates to access your Eligible Account or Online Financial Services at any time, without prior notice.

Some Delegate features may not be available for certain accounts or customers.

A Delegate’s authority will end when we have a reasonable opportunity to act on any of the following:

  • An Owner or Authorized Representative lets us know that the Delegate’s authority is ended.
  • An Owner lets us know that the Owner who appointed the Delegate is no longer an Owner on the Eligible Account.
  • If we get written notice of the delegating Owner’s death/incapacity from a reliable source such as a court. Applies to Consumer and sole-proprietor Business accounts only.
  • The Delegate is no longer enrolled in the Service as a Delegate.


We can also end a Delegate’s authority if he/she violates any part of this Agreement.

C. Signature Requirement Waiver

Any requirement to verify two or more signatures on any item (such as a check) does not apply to electronic or telephone transfers. This means that you’re allowing any Authorized Signer on your Eligible Account to individually make electronic or telephone transfers, even though his/her authority to transfer or withdraw funds from your account by some other means (such as by check) must be exercised jointly with one or more other people.

This provision controls and takes precedence over any conflicting provision in any other agreements you have with us.
D. Acknowledgements and Agreements

You agree that:

  • Each of your Authorized Representatives will be acting as your agent and will be bound by this Agreement and any separate agreement governing the Eligible Account or Online Financial Service.
  • We may rely and act on the instructions of any Authorized Representative.
  • All transactions that an Authorized Representative performs on an Eligible Account or Online Financial Service, including those you did not want or intend, are transactions authorized by you. You, not we, are solely responsible for those transactions.
  • You are solely responsible for supervising all of your Authorized Representatives and monitoring the actions they take on your behalf, whether or not we provide Delegate Tools for managing their authority.
  • You will be responsible for ensuring each Delegate maintains the confidentiality of his or her username, password or other login identification.
  • Each Delegate will access and use each Eligible Account and Online Financial Service, in accordance with the authority given to the Delegate by the delegating Owner or Authorized Representative.
  • Each time the Delegate accesses, views or transacts on an Eligible Account or Online Financial Service, you represent and warrant to us that the delegating Owner authorizes the Delegate’s action.
  • If we get conflicting instructions, or if we believe that an Eligible Account’s security or our security may be at risk as a result of a Delegate, we may at our sole discretion end the Delegate’s access to:
    • The Service.
    • An Eligible Account.
    • An Online Financial Service.


We may also prevent the individual from being a Delegate without prior notice to you or any account Owner.

3. Access

A. Accessing Eligible Accounts and Online Financial Services
B. Terminating Access
A. Accessing Eligible Accounts and Online Financial Services

You authorize Wells Fargo to provide access to your Eligible Accounts and Online Financial Services through the Service. You may access your Eligible Accounts and Online Financial Services through the Website to obtain information and perform transactions authorized on the Website.

To access your Eligible Accounts and Online Financial Services through the Website, you need a username, a password and required hardware and software (see the Website for details). To complete your enrollment in the Service, you will be required to validate your email address.

You also have to comply with any other security procedures we may establish. Subject to the terms of this Agreement, you’ll generally be able to access your Eligible Accounts and Online Financial Services through the Website 7 days a week, 24 hours a day. Sometimes the Service may be unavailable due to system maintenance or circumstances beyond our control. You must provide all computer, telephone and other equipment, software (other than any software provided by us) and services you need to access the Service.

When using the Mobile Banking Service, you may generally access certain Eligible Accounts through the mobile browser, our mobile apps, or get certain information through text messaging on a Mobile Device.
B. Terminating Access

For Violating the Agreement. If you violate any terms of this Agreement (including non-payment of fees under any applicable fee schedule) or any other agreement you have with us, you agree that we may suspend or terminate your access to any of your Eligible Accounts and Online Financial Services. We are not required to reinstate or re-activate your access.

Voluntarily. If you close all your Eligible Accounts and terminate your Online Financial Services, or withdraw from the Service, we may suspend or terminate your access without prior notification. If you close your Eligible Accounts, you could also lose access to your Online Financial Services, and we may terminate your access to the Service. We are not required to reinstate or re-activate your access. If you have no Eligible Accounts linked to the Service, or don’t use the Service for a period of 24 consecutive months, we may at our discretion terminate your access without prior notification.

4. Eligible Accounts and Online Financial Services: Additional Provisions

A. Removing Online Access
B. Electronic Funds Transfer Timing
C. System Maintenance
D. Account Linking and Display
E. Emails and Text Messages
A. Removing Online Access

If you want to remove online access for an Eligible Account, email us through the Service or call Wells Fargo Online Customer Service at 800-956-4442. For Wells Fargo Advisors accounts, call 877-879-2495. For Business Payroll Service, call 888-736-6798.
B. Electronic Funds Transfer Timing

Unless the Website or our other agreements with you say otherwise, electronic funds transfers completed through the Service before the transfer cut-off time on a Business Day will be posted to your Eligible Account the same day. Credit card, line of credit, loan and mortgage transactions may take up to three Business Days to process, but will post as of the Business Day the transaction was made.

All transfers completed after the transfer cut-off time on a Business Day, or on a day that is not a Business Day, will be posted on the next Business Day.

Please note that electronic funds transfers:

  • Between financial institutions will be processed, completed and posted by the other institution following its own rules.
  • To and from brokerage accounts may have different transfer cut-off times or posting times.
  • Initiated through the Service for person-to-person payments may have different transfer cut-off or posting times.
C. System Maintenance

Sometimes you may not be able to access one or more of your Eligible Accounts or Online Financial Services due to system maintenance or circumstances beyond our control. During these times, you may be able to call Online Customer Service at 800-956-4442, use a Wells Fargo ATM or visit a Wells Fargo store to obtain information about your Eligible Accounts. For brokerage accounts and services, use our touch-tone service if you’re enrolled, contact your Financial Advisor or call 877-879-2495.
D. Account Linking and Display

Once you enroll for the Service, you can link and display certain Eligible Accounts. Eligible Accounts that are linked and displayed through the Mobile Banking Service may be subject to certain limitations and restrictions.

Eligible Accounts will appear on your Account Summary page on the Website without regard to who else may have an ownership interest in each Eligible Account.

However, Consumer Eligible Accounts and Business Eligible Accounts won’t be available in a combined view unless you own all Eligible Accounts.
E. Emails and Text Messages

You authorize us to send emails and text messages to others on your behalf, if needed to carry out your instructions regarding an Eligible Account or Online Financial Service. These communications may identify you by name and may state that we’re sending them on your behalf and according to your instructions.

5. Business Eligible Accounts: Additional Provisions

If you have a Business Eligible Account or Business Online Financial Service, we may require (based on terms, conditions, or other agreements) any Authorized Representative to:

  • Enter into this Agreement, as amended.
  • Access each Business Eligible Account of yours in any manner and for any purpose available through the Service, whether available now or at some time in the future.
  • Use any Online Financial Service in any manner and for any purpose available through the Service, whether available now or in the future.

6. Digital Bill Pay (Wells Fargo Bill Pay)

A. Description
B. Fees
C. Monitoring
D. Stop/Change Payment
E. Scheduling Payments
F. Errors and Liability
G. Joint Accounts
H. Termination
I. Conflicts Between Sections
J. Additional Provisions (Business Accounts Only)
K. Acknowledgements and Agreements
A. Description

Wells Fargo Bill Pay (“Bill Pay”) lets you schedule bill payments through the Service. You have to be enrolled in the Service to use Bill Pay. Anyone who wants to use Bill Pay has to enroll in the Service separately. You authorize us to add Eligible Accounts that are Wells Fargo credit card or loan accounts as payees in Bill Pay, but depending on your history related to those accounts, we may not automatically establish them as your Bill Pay payees. For certain providers, you may have to provide additional identification information to see the bill detail information from our Website; or you may have to visit your provider’s site directly to see bill detail information.

You can arrange, at your option, for the payment of your current, future and automatic (recurring) bills from the accounts listed below. Please note that these accounts, called “Funding Accounts,” have certain payment limits, also listed below.
Account TypePayment Limit
Wells Fargo checking accounts$50,000 per payment
Wells Fargo Money Market Checking accounts$50,000 per payment
Wells Fargo business credit card accounts $10,000 per payment and per day
Wells Fargo BusinessLine® accounts$25,000 per payment and per day
Certain Wells Fargo home equity line of credit accounts$10,000 per payment and per day
Certain Wells Fargo personal lines of credit$5,000 per payment and per day
The Wells Fargo Advisors Command Asset Program and Priority Credit Line$50,000 per payment
Bill Pay payments made with an eligible credit account cannot be used to make payments on other Wells Fargo credit products. A Funding Account may not be used to pay any part of the balance you owe on that Funding Account. Eligible Accounts that require two or more signatures or authorizations to withdraw or transfer funds may not be used as a Funding Account.

Other than as stated above, there is no limit to the number of payments that may be authorized (except that payments funded with a credit account are limited to the total of the available credit in the account when payments are made).

You may pay any payee approved by us in the continental United States, Alaska and Hawaii, and the following United States Territories: Guam, Puerto Rico and the Virgin Islands. Payments to a person or business with an APO or FPO address will be made via paper check.

The Bill Pay Payment Guarantee doesn’t apply to payments made to payees outside the continental United States, to any federal, state, or local tax agency; or to court-ordered payments, since we can’t guarantee correct delivery or routing. If you give us the name and address of a payee, or an image of a payee, you authorize us to follow your payment instructions regarding that payee. In some cases, we may submit payments to the best-known payee address. If we need to, we’ll change or reformat your payee account number to match the account number or format required by your payee for electronic payment processing and eBill activation.

Bill Pay is intended for your use only. Trying to use Bill Pay to process payments on behalf of someone other than an Owner is prohibited and will be grounds for termination of Bill Pay and your access to the Service.

We may use non-affiliated third parties acting on our behalf to process Bill Pay payments. These third-party processors must adhere to Wells Fargo’s strict security and privacy-protection standards. Paper checks processed by non-affiliated third parties may show that they were drawn on the third-party processor, rather than on Wells Fargo Bank, N.A.

The date a Bill Pay payment starts processing is referred to in this Agreement as the “Payment Send On Date.” Specific details about the Payment Send On Date will be provided on the Service Web pages when you schedule a Bill Pay payment. We may, at our option, pay or refuse to make bill payments funded by checking accounts or a Command Asset Program if it would create an overdraft on those accounts. We will make this decision regardless of whether we’ve previously established a pattern of honoring or dishonoring overdrafts.

If we receive a bill payment drawn against your checking account or a Command Asset Program, and there are insufficient available funds in your Funding Account to cover the payment, we may at our sole discretion:

  • Cover the payment by transferring available credit or funds from an account you have linked for Overdraft Protection, or
  • Pay the bill payment and create an overdraft on your account, or
  • Decline the bill payment, or
  • Re-attempt the bill payment the following business day (until this second attempt is completed, the payment is pending and cannot be cancelled).


Any negative balance on your Funding Account will be governed by your agreements with us. If a Funding Account is an eligible business credit card or line of credit account, we don't have to make a payment unless that account has sufficient available credit to pay the bill on the Payment Send On Date.

Your account’s terms and conditions describe “over limit fees” that may apply to you if any bill payments, associated fees or finance charges cause your credit account balance to exceed the credit limit. The dollar amount of bill payments through your credit account (whether we make these payments electronically or by check) will be charged to that credit account on the Payment Send On Date.

Finance charges (such as interest and transaction fees) may apply to bill payments funded by a credit account; these charges will be shown to you during the payment scheduling process. Please see your credit account agreement and any written disclosure statements for more information.

If your Funding Account closes or is restricted for any reason, we’ll cancel all pending payments associated with the account. It will be your sole responsibility to make all pending and future payments.

B. Fees

There are no monthly service fees for Bill Pay.
C. Monitoring

We don’t have any duty to monitor payments made through Bill Pay. If you’re a business, and an Authorized Representative of yours uses your Funding Account to pay bills that aren’t yours, you assume the entire risk of loss. You also agree to indemnify and hold us and our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments, and expenses (including attorney fees) arising from such use.
D. Stop/Change Payment

You have the right to stop or change any scheduled bill payment, but you must do so within the secure online session by 7:00 p.m. Pacific Time, on the Payment Send On Date, either by using Bill Pay or by calling Wells Fargo Online Customer Service at 800-956-4442.

After 7:00 p.m. Pacific Time, electronic bill payments that are already in process can’t be cancelled or stopped.

You can stop payment on a bill payment sent by paper check by using the Bill Pay secure online session or by calling 800-956-4442. Stop payment requests aren’t guaranteed: Payees can present paper check payments to their bank before the stop payment has been properly processed, and once a paper check has been cashed by the payee it cannot be stopped. If we successfully stop the payment of a paper check, it may take up to seven Business Days for the funds to be credited back to your account.
E. Scheduling Payments

When making payments through Bill Pay, please allow enough time for your payee to receive your payment and credit your account properly. To avoid incurring a finance or other charge imposed by your payee, you must schedule a payment sufficiently in advance of the payment due date. There will be a delay between the Payment Send On Date (the date your payment starts processing) and the date the payee receives that payment, so you should schedule the payment in accordance with the payment rules displayed on the Make Payment screens. The Payment Send On Date must be at least five full Business Days before the date the payment is due at the payee for check payments and up to three full Business Days (or as shown on the Make Payment screens) for electronic payments. For scheduling purposes, you should count the first Business Day after your scheduled Payment Send On Date as Business Day one.

Time your payment using the due date of the payment, not the last day of any grace period established by the payee. Payments must be scheduled before 7:00 p.m. Pacific Time to be processed on that day. We will withdraw funds from your Funding Account on the Business Day following your Payment Send On Date. Your Available Balance may be reduced by the amount of your payment on the calendar day following your Payment Send On Date, if that day is not a Business Day. Payments scheduled from brokerage accounts, if permitted, or a Command Asset Program may have different cut-off times.

If a paper check is sent and the check is not presented for payment within 90 days, we’ll stop payment on the check and credit the check amount back to your Funding Account.

To avoid sending duplicate payments, if you schedule more than one payment to the same payee for the same amount on the same date, only one payment will be sent.
F. Errors and Liability

If we don’t properly complete a bill payment on time, or in the correct amount, we’ll pay any related late fees or finance charges that you reasonably incur as a result, if your account was in good standing with the payee before the incident.

We will also be liable to you if we don’t stop a payment according to your order if the order described the payment with reasonable certainty, and the order was received at a time and in a manner that would let us act on it before the payment was sent or in process.

Except as stated in this Agreement, any stop payment provisions of the agreement governing your Eligible Account that apply to checks will also apply to Bill Pay. We aren’t responsible for any charges or fees imposed (including finance charges and late fees), or any other action, taken by a payee resulting from a payment that you didn’t schedule properly.

Also, we won’t be liable if:

  • Any other party that is meant to make a payment fails to properly transmit the payment to the intended payee.
  • Your Funding Account and/or overdraft protection plan lacks sufficient funds or credit.
  • A legal order directs us to prohibit withdrawals from the Funding Account.
  • The Funding Account is closed or frozen.
  • Any part of the electronic funds transfer system network is not working properly.


We won’t be liable for indirect, special, or consequential damages from using Bill Pay. We don’t recognize “grace periods” or “late after” dates when deciding whether to reimburse late fees or finance charges.

G. Joint Accounts

Joint account holders may use the same account as their Funding Account for their individual use of Bill Pay. Each Owner of an Eligible Account and each Delegate with access to that account has the same right of access to account activity – notifying Online Customer Service of suspected loss, fraud or canceling Bill Pay, etc.

Owners and Delegates may enroll in Bill Pay individually. If they do, they will need a unique password and will have a separate payee list and payment history.
H. Termination

You must have at least one Eligible Account that is either a Wells Fargo checking account, a Command Asset Program or Priority Credit Line accessible through the Service, to use Bill Pay. Wells Fargo may terminate your access to Bill Pay without prior notice if you:

  • Have Bill Pay and don’t schedule or process a payment through Bill Pay for any three-month period.
  • Use Bill Pay for other, unauthorized purposes.
  • Establish more than 999 payees.
  • Close your checking account, Command Asset Program or Priority Credit Line and don’t designate a new checking account, a Command Asset Program or Priority Credit Line as a Funding Account within 30 days.


If Wells Fargo terminates your use of Bill Pay, your online bill payment information will be lost and all pending payments will be cancelled and are your sole responsibility.

If you decide to terminate Bill Pay, we strongly suggest that you cancel all future bill payments at the same time that you cancel Bill Pay, either by deleting those payments yourself using Bill Pay or by calling Wells Fargo Online Customer Service at 800-956-4442. Once we have been notified that you have terminated Bill Pay, we’ll automatically delete all outstanding payment orders (all individual payments and all recurring payments).

I. Conflicts Between Sections

If this Section 6 conflicts with any other provisions of this Agreement, this Section governs with respect to Bill Pay.
J. Additional Provisions (Business Accounts Only)

The provisions in this Section 6.J. apply only to bill payments from Business accounts. For payment requests from Business accounts, which are subject to Article 4A of the Uniform Commercial Code (“UCC 4A”), we’re liable only for damages required to be paid under UCC 4A. We’ll never be liable for any exemplary, special, indirect, or consequential loss, damage, costs or expense of any nature, including, without limitation, lost profits, even if we have been informed of the possibility of such damages, except as may be required by law.
K. Acknowledgements and Agreements

You agree:

  • To pay our fees associated with multiple transaction attempts. Fees may vary depending on the action we take.
  • That you will only use Bill Pay to pay bills and invoices, and not for any other purpose.
  • That the password security described in Section 16 of this Agreement sets forth security procedures for electronic funds transfers that are commercially reasonable.
  • If you don’t access your Eligible Accounts through the Service for any 24-month period, we may terminate all or any part of the Service.

7. Wells Fargo eBills

A. Description
B. Requirements
C. Individual and Joint Responsibility
D. Fees
E. Hours
F. Wells Fargo eBills Statement Delivery
G. Termination
H. Payment Processing
I. Changes to Charges, Fees or Other Terms
J. Questions/Errors
K. Disputes
L. Acknowledgements and Agreements
A. Description

This Section describes the delivery of electronic payment statements (“Wells Fargo eBills”) for certain types of Wells Fargo loans and line of credit products through Bill Pay. Wells Fargo credit products eligible for Wells Fargo eBills are identified in the Bill Pay portion of the Website, “Eligible Credit Accounts.” We may add or remove categories of credit products from the list of Eligible Credit Accounts at any time.

B. Requirements

To receive your Wells Fargo eBills through Bill Pay, you must be enrolled in Bill Pay. To view, print, and/or save your online statement and legal notices, your computer software must meet the requirements provided on the Website. We’ll email you every statement cycle to let you know that your current statement is ready for you to view, print, and/or save at your convenience. By requesting that bills, statements, or other communications from us be sent to you electronically, you warrant that you have the right, power, and authority to get them.

C. Individual and Joint Responsibility

Any individual borrower on your loan, line of credit, or account can enroll in Wells Fargo eBills. Regardless of the individual who enrolls in Wells Fargo eBills, the terms of this Agreement apply to all borrowers, individually and jointly.

D. Fees

There are no monthly or transaction fees for Wells Fargo eBills.

E. Hours

Please refer to Section 3.A. of this Agreement.

F. Wells Fargo eBills Statement Delivery

To discontinue paper payment statement delivery, or resume paper payment statement delivery, see Section 11 “Online Statements and Documents” for more details.

G. Termination

Please refer to Section 6.H. of this Agreement. Those provisions also apply to Wells Fargo eBills.

H. Payment Processing

Please refer to Section 6.A. of this Agreement. Those provisions also apply to Wells Fargo eBills.

I. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees, or terms for Wells Fargo eBills. If we make a change, we’ll provide notice to you in accordance with terms of this Agreement. We also reserve the option, in our business judgment, to waive, reduce, or reserve charges or fees in individual situations.

J. Questions/Errors

In case of questions or errors about Wells Fargo eBills or Bill Pay, call 800-956-4442. We must hear from you no later than 60 days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your question in writing within 10 Business Days.

When you tell us about the problem, please include:

  • Your name and account number.
  • A description of the error or the transaction you’re unsure about, why you believe it is in error, and what additional information you need.
  • The dollar amount and date of any suspected error.
  • We’ll inform you of the results of our investigation within 10 Business Days after we hear from you or receive your complaint or inquiry in writing (if required). We’ll let you know if we require more than 10 Business Days to investigate your question; if we need more time, we may take up to 45 calendar days to complete our investigation.


We will promptly correct any existing errors. If we determine that there was no error, we’ll send you a written explanation after we finish our investigation.

If we don’t complete a transaction on time, or in the correct amount according to our agreement with you, we’ll indemnify and hold you harmless for your losses or damages.

However, we won’t be liable if:

  • You, or anyone you allow, commits any fraud or violates any law or regulation.
  • Any electronic terminal, telecommunication device or any part of the electronic funds transfer system is not working properly.
  • You have not properly followed the instructions for using Wells Fargo eBills or Bill Pay.
  • Circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the payment, despite reasonable precautions taken by us.

K. Disputes

Disputes between you and Wells Fargo under this Agreement that relate to your account(s) are subject to the provisions of your promissory note, line of credit agreement, credit card agreement and disclosure statement, mortgage, deed of trust, or security instrument (as applicable) and applicable legal remedies.

L. Acknowledgements and Agreements

  • You understand and agree that Wells Fargo eBills are provided for your convenience, and payments due continue to be your responsibility as stated in your promissory note, line of credit agreement, mortgage, deed of trust, credit card agreement or security agreement for each Eligible Loan Account, as applicable.
  • For eBill accounts that are in default or subject to the automatic stay in bankruptcy, we may elect to discontinue delivering eBills.
  • By activating Wells Fargo eBills, you agree to abide by the terms and conditions stated in this Section to get Wells Fargo eBills, and to get other related communications electronically. You must enroll each Eligible Credit Account individually in Wells Fargo eBills.
  • In addition to this Agreement, you agree to be bound by, and will comply with, the requirements of the rules and regulations of any funds transfer system and applicable state and federal laws and regulations. We agree to be bound by them also.

8. Wells Fargo Same Day PaymentsSM Service

A. Description
B. Overdrafts
C. Fees
D. Monitoring
E. Stop/Change Instructions
F. Scheduling Payments
G. Errors and Liability
H. Additional Provisions (Business Accounts Only)
A. Description

The Wells Fargo Same Day Payments Service (“SDP Service”) is intended only for your use as the subscriber to the service. It lets you make one-time same-day payments to a participating payee for an additional fee.

  • You must be enrolled in Bill Pay to use the SDP Service.
  • You can make a same day payment only from an Eligible Wells Fargo checking account, a Command Asset Program or Priority Credit Line (the “SDP Service Account”), up to a maximum of $50,000 per payment.
  • You can’t use accounts that require two or more signatures or authorizations to withdraw or transfer funds with the SDP Service.


By furnishing us with the name and address of a payee, you authorize us to follow your payment instructions regarding that payee. If we need to, we’ll reformat your payee account number to match the format your payee requires for electronic payment processing.

The SDP is intended for your use only. Trying to use SDP to process payments on behalf of someone other than an Owner is prohibited and will be grounds for termination of SDP and your access to the Service.

We may use nonaffiliated third parties acting on our behalf to process your same-day payments. These third-party processors must adhere to Wells Fargo's strict security and privacy protection standards.

For a same day payment request submitted before the applicable cutoff time displayed on the Make Payment screens, we’ll debit your SDP Service Account and send funds to the payee that same day (which may be a non-Business Day).

B. Overdrafts

We may pay, or refuse to make, the same day payment if it would create an overdraft on your SDP Service Account. We will make this decision regardless of whether we’ve previously established a pattern of honoring or dishonoring overdrafts.

We may take any of the following actions at our sole discretion, if we get a same day payment drawn against your SDP Service Account and there aren’t enough available funds in your SDP Service Account to cover the bill payment without prior notice to you:

  • Cover the same day payment in accordance with the terms of any written overdraft protection plan that you and we have established; or
  • Pay the same day payment and create an overdraft to your SDP Service Account; or
  • Decline to make the same day payment.


Any negative balance on your SDP Service Account will be governed by your agreements with us about the SDP Service Account. You agree to pay any applicable overdraft fees, which may vary depending on the action we take

C. Fees


D. Monitoring

We aren’t required to monitor payments made through the SDP Service. If you’re a business, and your Authorized Representative uses your SDP Service Account to pay bills that aren’t yours, you assume the entire risk of loss and indemnify and hold us, our directors, officers, employees, and agents harmless from all loss, liability, claims, demands, judgments, and expenses arising from such use.

E. Stop/Change Instructions

Payments that are in process cannot be canceled or stopped. You can’t cancel a same day payment after you submit it.

F. Scheduling Payments

You may make a same day payment to a participating payee by submitting your request before the cut-off time specified on the Make Payment screens. For each same day payment, you get a separate payment confirmation notice that confirms:

  • That your same day payment has been made.
  • Details of the payment.
  • A payment reference number.


The SDP Service permits duplicate payments on the same day: If you schedule more than one payment to the same payee, for the same amount on the same date, all of the scheduled payments will be sent.

G. Errors and Liability

If we don’t properly complete a same day payment on time, or in the correct amount, we’ll pay any resulting late fees or finance charges you reasonably incurred, so long as your account was in good standing with the payee before the error.

We aren’t responsible for any charges imposed (including finance charges and late fees) or any other action taken by a payee resulting from a payment that you didn’t schedule properly. Also, we aren’t liable if:

  • Any other party making a same day payment fails to properly transmit the payment to the intended payee.
  • There are insufficient available funds or credit availability in your SDP Service Account and/or overdraft protection plan.
  • A legal order directs us to prohibit withdrawals from the SDP Service Account.
  • The SDP Service Account is closed or frozen.
  • Any part of the electronic funds transfer system network is not working properly.


We aren’t liable for indirect, special, or consequential damages arising from using the SDP Service. We don’t recognize “grace periods” or “late after” dates when deciding whether to reimburse late fees or finance charges.

H. Additional Provisions (Business Accounts Only)

The provisions in this section apply only to same day payments from business accounts. For payment requests from Business Eligible Accounts, which are subject to Article 4A of the Uniform Commercial Code (“UCC 4A”), we’re liable only for damages required to be paid under UCC 4A. In no event will we be liable for any special, indirect or consequential loss, damage, costs or expense of any nature, including, without limitation, lost profits, even if we have been informed of the possibility of such damages, except as may be required by law. You agree that the security procedures required by us under this Agreement set forth security procedures for electronic funds transfers that are commercially reasonable.

9. Electronic Funds Transfer Provisions (Consumers)

A. Applicability
B. Your Liability
C. Errors/Unauthorized Electronic Funds Transfers/Questions
D. Documentation
E. Changes to Debit Amounts
F. Stop Payment Orders for Pre-authorized Electronic Funds Transfers
G. Acknowledgements and Agreements
A. Applicability

The provisions in this Section 9 apply only to EFTs that debit or credit a Consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E. You can find the terms and conditions that apply to electronic funds transfers (EFTs) that debit or credit a brokerage account in your brokerage account agreement, not this Agreement.

When applicable, we may rely on any exceptions to the provisions in this Section that are covered in Federal Reserve Board Regulation E. All terms in this Section not defined in this Agreement but defined in Regulation E will have the meaning given in Regulation E.

B. Your Liability

Except for EFTs to or from brokerage accounts, your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
If you notify us…Your liability won’t exceed…
Within two Business Days after learning of the loss or theft of your password$50; or the amount of unauthorized EFTs that occur before notice to us, whichever is less.
More than two Business Days after learning of the loss or theft of your password$500; or $50, plus the amount of unauthorized EFTs that occurred within the two Business Days, plus the amount of unauthorized EFTs that occur after the close of two Business Days and before notice to us.
To avoid liability for subsequent transfers, you must report unauthorized EFTs that appear on a periodic statement within 60 days of our transmittal of the statement. If you don’t, your liability won’t exceed the amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish would not have occurred had you notified us within the 60-day period. You may also be liable for the amounts described in the table above.

If your delay in notifying us was due to extenuating circumstances, we’ll extend the times specified in the immediately preceding paragraphs to a reasonable period.

C. Errors/Unauthorized Electronic Funds Transfers/Questions

Here’s how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made:

  • Phone. 800-956-4442, 24 hours a day, 7 days a week.
  • Paper Mail. Wells Fargo Bank, N.A., P.O. Box 4132, Concord, CA 94518-4917.
  • Email. Sign on to the Service with your password and use the appropriate form. For questions or errors about online funds transfers, use the Transfers and Deposits Questions form. For questions or errors about bill payment transactions, use the inquiry forms accessible through Bill Pay.


To notify us of errors in brokerage account transfers, follow the procedures in your brokerage account agreement.

We must hear from you no later than 60 days after the date we send the first statement on which the problem or error appeared.

When contacting us about an error or with questions, please tell us:

  • Your name and account number (if any).
  • About the error or the transfer you question, and clearly explain why you believe it is an error or why you need more information.
  • The dollar amount and date of the suspected error.


If you report a problem by phone, we may need you to submit your complaint or question in writing within 10 Business Days. We’ll determine whether an error occurred within 10 Business Days after we hear from you, and will promptly correct any error. If we need more time to conduct our investigation, we’ll notify you of our need for an extension of up to 45 days. If we decide to do this, we’ll credit your account within 10 Business Days for the amount you think is in error, so you can use the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and don’t receive it within 10 Business Days, we may not credit your account.

We may permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. Complaints or questions you initiate via the process we provide on the Website will be considered as written.

For errors involving new accounts, point-of-sale or foreign-initiated transactions, our investigation may take up to 90 calendar days. For new accounts, we may take up to 20 Business Days to credit your account for the amount you think is in error. We’ll tell you the results within three Business Days after completing our investigation. If we decide that no error occurred, we’ll send you an explanation. You can ask for copies of the documents that we used in the investigation.

D. Documentation

The cardholder will receive a receipt each time an ATM or in-store kiosk is used to make an electronic transfer to or from your Eligible Account, unless the cardholder is notified otherwise before completing the transaction. The receipt is evidence of the transaction as recorded by the ATM or the Service; all transactions are subject to posting, final payment or verification. You can use the receipt to reconcile the statement for the Eligible Account.

You have the right to find out whether an EFT was credited to your Eligible Account. To do so, contact us at the number listed on your statement for your Eligible Account.

We’ll send you a monthly statement if there are EFTs in a particular month. Otherwise, we’ll send you a statement at least quarterly.

E. Changes to Debit Amounts

If you authorize a person to regularly debit your Eligible Account, and the amount varies from the previous amount debited, he/she must tell you, at least 10 days before each debit, when the debit will be made and how much it will be.

F. Stop Payment Orders for Pre-authorized Electronic Funds Transfers

To place a stop payment order on preauthorized EFTs, call us at the number listed on the statement for your Eligible Account at least three Business Days before the scheduled transfer date. We’ll need:

  • Your name and the account number associated with the transfer;
  • The exact name of the payee;
  • The exact payment amount; and
  • The scheduled transfer date.


If you don’t provide correct and complete information, we may not be able to stop payment of the preauthorized EFT. If we pay a preauthorized EFT despite a valid stop payment order, we may require you to provide us with an affidavit describing in detail the dispute.

G. Acknowledgements and Agreements

You agree to indemnify and hold us harmless from and against any loss incurred by us if we don’t pay a preauthorized EFT because:

  • Any of the information relied upon in the stop payment order is incorrect or incomplete; or
  • A valid stop payment order is in effect.

10. Alerts

A. Description
B. Using Alerts
C. Alert Delivery Timing
D. Terminating Alerts
E. Acknowledgements and Agreements
A. Description

The alerts option lets you request and receive informational and/or actionable messages about your Eligible Account(s). You may receive alerts through email message(s), text message(s), push notification(s), and/or by other means. Each alert will be effective after the alert type, timing and delivery methods are set up by you.

B. Using Alerts

You have to be enrolled in the Service to use alerts.

C. Alert Delivery Timing

Receipt of alerts may be delayed or prevented by factor(s) affecting your internet/phone provider or other relevant entities.

Wells Fargo isn’t liable for losses or damages arising from:

  • Non-delivery, delayed delivery, or wrong delivery of any alert.
  • Inaccurate alert content.
  • Your use or reliance on the contents of any alert for any purposes.


The information in any alert may be subject to certain delays.

D. Terminating Alerts

Wells Fargo may terminate your use of alerts at any time without notice.

E. Acknowledgements and Agreements

You agree that:

  • Each alert may not be encrypted, and may include your name and information pertaining to your account(s).

11. Online Statements and Documents

A. Description
B. Eligible Accounts
C. Enrollment
D. Check Images
E. Access
F. PMA Packages
G. Year-end Tax Reporting Documents
H. Terminating Online Documents
A. Description

Many account documents – including statements, tax documents, and legal notices – can be delivered online for certain Eligible Accounts and Online Financial Services. You have the option to view, save, or print PDF versions of your account documents from the Website via desktop, tablet or mobile device.

Any legal notices or disclosures about your Eligible Account or Online Financial Service that would normally accompany your paper account statement, or that we would mail to you, may be delivered to you electronically. In some cases, we must continue to mail paper statements, legal notices and disclosures even if you elect to receive them electronically.

We may offer you additional options/preferences for delivery of various communications related to your Eligible Accounts or Online Financial Services. The following is a brief description of the various features of and requirements for using online statements and documents. We may add to, modify, or delete any feature of online statements and documents at our sole discretion.

B. Eligible Accounts

Most Eligible Account statements and documents can be delivered online. You can determine online statement eligibility by signing on to the Website.

C. Enrollment

Online statements and documents are available for certain Eligible Accounts or Online Financial Services if you have enrolled in the Service and provided us with a valid email address. We may revoke your online-only statement and document option and change your delivery preference to U.S. Mail if you don’t maintain a valid email address.

Depending on the Eligible Account or Online Financial Service, one or more of the following may be true:

  • Many Eligible Accounts and Online Financial Services automatically come with online-only delivery for statements and documents. This means you will no longer get paper statements and documents, unless required by law. You can change your delivery preference back to U.S. Mail at any time.
  • For Eligible Accounts or Online Financial Services that don’t automatically come with online-only delivery, you must choose online-only delivery for that Eligible Account or Service.


D. Check Images

For deposit accounts, you may view online images of the individual checks posted to your account. If you currently receive an account statement with check images in paper format, once you choose online-only statements and documents, you will no longer receive the check images as part of the statement. You can ask us to mail a photocopy of a cancelled check to you (additional fees may apply).

E. Access

You can access your online statements and documents (including legal notices and disclosures) on the Website.

Statements are available online for up to a maximum of seven years, depending on the type of account enrolled. Statements for some types of Eligible Accounts or Online Financial Services are available for shorter time frames. If you didn’t choose online-only delivery when the account was first opened, there may be a gap in the historical statements available online for some types of Eligible Accounts.

For some types of Eligible Accounts or Online Financial Services, there may be a delay of up to several weeks after enrollment before you can start viewing statements and documents online. You can still request historical account statements (fees may apply); please refer to the applicable account agreement and disclosures for details.

F. PMA Packages

For PMA Package customers, the Owners or Authorized Representative of the primary checking account in the PMA relationship (PMA Package Owners) and all other owners of any Other Household account(s) linked in detail to the PMA Package may have access to the entire PMA online combined statement.

Other Household account(s) can be linked to the PMA Package in either a detail or summary level format:

  • Detail level format – all information regarding the linked account will be included in the PMA statement in detail and no standalone account statement will be created. The owner of the linked account will be responsible for verifying the accuracy of the account information.
  • Summary level format – account information will be included in the PMA statement in summary and a standalone account statement will be created for the linked account.


G. Year-end Tax Reporting Documents

Online year-end tax documents may be available to customers with certain account types who are enrolled in the Service and provide a valid email address for the Service. You don’t have to complete a separate enrollment process to view your tax documents online. This option is available regardless of whether we also mail your paper tax documents.

For certain account types, you may be able to change the way we send you year-end tax documents by changing your delivery preferences on the Website. Changes to your tax document delivery options will take effect in your next annual tax reporting cycle. After you tell us to stop mailing your paper tax documents, we'll email you when your current tax document is ready to be viewed online.

We always reserve the right to communicate with you in writing using the U.S. Postal Service, regardless of what other options you have chosen.

H. Terminating Online Documents

We may terminate delivery of online documents to you for one or more Eligible Accounts or Online Financial Services, without notice. As provided in Section 23.B. of this Agreement, if you don’t access your Eligible Accounts through the Service for any 24-month period, we may terminate your access to all or any part of the Service.

12. Using Financial Management Software

A. Description
B. Online Banking and Bill Pay Access
C. Fees for Online Banking
D. Transfers
E. Bill Pay with Financial Management Software
F. Bill Pay Fees
G. Disclaimers
H. Additional Limitations of Liability
I. Acknowledgements and Agreements
A. Description

Financial Management Software includes: Quicken®, QuickBooks®, Turbo Tax®, and other software we may identify on the Website. You are responsible for obtaining a valid and separate license agreement with the provider of your Financial Management Software. Your license agreement with the provider of your Financial Management Software may restrict the duration of your online access; we aren’t liable for any such limitations or restrictions.

B. Online Banking and Bill Pay Access

We may choose to let you download information into your Financial Management Software from certain Eligible Accounts. We may also let you initiate Bill Pay instructions through your Financial Management Software. The Eligible Accounts for which these options are available will be identified on the Website. We may also add to, modify, or delete any feature of your ability to access the Service through your Financial Management Software.

C. Fees for Online Banking

Service fees may apply to your use of your Financial Management Software to connect to the Service. Your Internet, telephone, and/or mobile device service provider may assess other fees and bill them separately.

We’ll designate a Wells Fargo billing account (your “Billing Account”) from which the fees will be paid. When you start using your Financial Management Software, you’re authorizing us to charge your Billing Account for the fees. If you close your current Billing Account, we reserve the right to designate a Billing Account. If you would like to update your new Billing Account, please contact us at 800-956-4442 (representatives are available 5:00 a.m. to 9:00 p.m. PT Sunday through Saturday).

If you close all your Eligible Accounts, we’ll suspend and/or terminate your access through your Financial Management Software. For information on which accounts are eligible, please contact us at 800-956-4442 (representatives are available 5:00 a.m. to 9:00 p.m. PT seven days a week.

D. Transfers

You may transfer funds from Eligible Accounts. The number of transfers from an eligible savings account is limited, as detailed in the applicable account agreement.

Each Business Day has a cut-off time for funds transfers; transfers made after the cut-off time or on a Saturday, Sunday, or federal holiday will be made the next Business Day.

E. Bill Pay with Financial Management Software

If you’re enrolled in and use the Bill Pay service through your Financial Management Software, you may use the service to pay any merchant or individual in the U.S, and may also use it to make payments for any bank mortgage, installment loan, credit card or line of credit account.

You must designate through your software an Eligible Account from which bill payments may be made (your “Funding Account”). You may designate more than one Funding Account.

Each Business Day has a cut-off time for bill payments; payments made after the cut-off time or on Saturdays, Sundays, or federal holidays will be made the next Business Day.

All payments made using the Bill Pay service should be made at least four Business Days in advance of the due date, so the payee/merchant can credit your account in time to avoid any late-payment charges or penalties.

F. Bill Pay Fees

Service fees apply to accessing Bill Pay through your Financial Management Software and are detailed on the Website. Your Internet, telephone, and/or mobile device service provider may assess other fees and bill them separately.

We’ll designate a Billing Account at Wells Fargo from which fees for Bill Pay through your Financial Management Software will be paid. When you start using Bill Pay through your Financial Management Software, you’re authorizing us to charge your Billing Account for the fees. If you close your current Billing Account, we reserve the right to designate a new deposit account as your Billing Account. If you would like to update your new Billing Account, please contact us at 800-956-4442 (representatives are available 5:00 a.m. to 9:00 p.m. PT seven days a week.

If you close all your Eligible Accounts, we’ll suspend and/or terminate your access through your Financial Management Software. For more information on which accounts are eligible, please contact us at 800-956-4442 (representatives are available 5:00 a.m. to 9:00 p.m. PT Sunday through Saturday).

G. Disclaimers

1. You agree that the Eligible Account information you download through your Financial Management Software is provided to you “as is” and “as available.”

2. You agree that we make no warranties and have no liability as to:

  • Your access and use of your Financial Management Software according to the terms and conditions of any and all applicable license agreements with the providers of such Software;
  • The accuracy, completeness, availability or timeliness of the Eligible Account information, text, graphics, or other items in the Eligible Account information that you can download through your Financial Management Software;
  • The errors or omissions in the delivery or transmission of the Eligible Account information from us to you (and "you" includes delivery to your Financial Management Software and/or your computer); and
  • The download option's fitness for a particular purpose and non-infringement of any third party rights.


3. Although payments to the following types of Payees may be scheduled through the Service, such payments are discouraged and are scheduled by you entirely at your own risk; IN NO EVENT WILL WE BE LIABLE FOR ANY CLAIMS OR DAMAGES THAT MAY RESULT IF YOU SCHEDULE PAYMENTS TO THE FOLLOWING PAYEES:

  • Payees outside of the United States, including Canada;
  • Payees to U.S. Territories;
  • Tax payments;
  • Government agencies, or
  • Court-ordered payments (such as child support payments or traffic tickets). We have no obligation to research or resolve any claim that may result from these types of payments, nor are we responsible for any late payment-related charges when these types of payments are scheduled and/or processed through the Service. All research and resolution for any misapplied, misposted or misdirected payments will be your sole responsibility.


4. We have no duty to monitor the online transfers or payments that you make. You assume the entire risk of using the Service properly to ensure that funds are transferred and bills are paid properly and timely. We won’t be responsible for any charges imposed or any other action taken by a payee/merchant resulting from a bill payment that you have not scheduled properly, including any applicable finance charges and late fees. In addition, we won’t be liable if any third party through whom any bill payment is made fails to transmit the payment or the payment instruction properly to the intended payee/merchant, or if the merchant/payee or its bank fails to transmit a payment instruction or record a bill payment properly.

5. In using the Service, you understand that payees and/or the U.S. Postal Service may return payments for various reasons such as, but not limited to, payee's forwarding address expired; payee's account number is not valid; payee is not available to locate account; or payee's account is paid in full. We will use reasonable efforts to research and correct the returned payment and return it to your payee, or void the payment and credit your account.

6. Your Financial Management Software may provide the option of disabling selected features of the Service. To disable any feature of the Service, you MUST contact us by calling 800-956-4442 with your notification.

7. You understand that some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.

8. Bill Pay payments made via your Financial Management Software are NOT covered by Wells Fargo's Bill Pay Payment Guarantee.

H. Additional Limitations of Liability

You agree that we won’t be liable to you for:

  • Your inability to use the download, transfer and/or bill pay option;
  • The accuracy, timeliness, loss or corruption, or misdelivery of any Eligible Account information, transfer, bill payment, or any other information;
  • Unauthorized access to your Eligible Accounts or to your account information and any misappropriation, or alteration, of your account information or data, to the extent the unauthorized access results from your acts or omissions;
  • Your inability to access your Eligible Account (including but not limited to, failure of electronic or mechanical equipment, interconnect problems with telephone providers or Internet service providers ("ISPs"), natural disasters, strikes, or other labor problems); or
  • Any other matter relating to the download, transfer or bill pay option.


I. Acknowledgements and Agreements

You understand and agree that:

  • Not all the information in your Eligible Accounts can be downloaded into your Financial Management Software.
  • Information you can download may not include all of your account activity.
  • Statements we generate are the official record of account transactions, positions and balances; the information you download is for tracking purposes only and should not be considered an official record.
  • Account information won’t necessarily reflect banking, financial, or investment activities and transactions that have not yet been completed or settled, and will only reflect the account information in your Eligible Accounts at the exact point in time that you download the information (for example, trades that have not yet been settled may not be reflected).
  • Account information in your Eligible Accounts may reflect transactions as of a prior time period and may not be current when you download the information.
  • We won’t automatically update account information that you download to your Financial Management Software. You will have to update the Eligible Account information by downloading more current information from your accounts (for example, stock prices, and/or the value of the investments we hold in your brokerage account, may be reflected at the prices at the close of the prior trading day and not at the current prices).
  • Eligible Account information may include information you provided to us (for example, cost or tax basis information for securities we have transferred into your brokerage account); you’re solely responsible for the accuracy of this information.
  • We aren’t liable for any loss, damages or expenses of any kind as a result of your reliance upon the Eligible Account information in your Financial Management Software (which may not be up to date and may not include pending transactions such as a stock sales or purchases that haven’t settled).
  • You assume all risk that unauthorized third parties may access any Eligible Account information you download and store in your Financial Management Software.
  • If you send information in an unsecure manner or take the Eligible Account information out of our secure systems by downloading it, we’re no longer responsible for the security and confidentiality of that information, and the responsibility is now yours (or may be shared with others, such as your Financial Management Software provider).
  • We aren’t responsible for the security and confidentiality of the Eligible Account information if you:
    • Use wireless connections to download your account information, in which case you acknowledge other persons may be able to access the information being downloaded; or
    • Let others access or use your Financial Management Software.
  • Downloads of Eligible Account information are at your own risk. You are solely responsible for any resulting damage to the computer (or other electronic device) to which you download any information.

13. Third-Party Software and Content

A. Description
B. Disclaimers
C. Additional Limitations of Liability
D. Acknowledgements and Agreements
A. Description

Third-Party Software. We may offer third-party software tools and products (“Third-Party Software”) that you can install on your computer. You are responsible for obtaining a valid and separate license agreement with the provider of the Third-Party Software.

Third-Party Content. We may offer information, commentary, and tools supplied by companies not affiliated with us (“Third Party Content”). All of the Third-Party Content on the Website is labeled as such, and may be available either in a frame, via a hyperlink, or simply posted to the Website. We don’t own any interest in, edit, review or endorse any Third-Party Content.

B. Disclaimers

1. You agree that:

  • Any Third-Party Software you download through your Financial Management Software is provided to you "as is" and "as available."
  • Any Third-Party Content you review or use is provided to you "as is."


2. You agree that we make no warranties and have no liability as to:

  • The accuracy, completeness, availability or timeliness of the information, text, graphics, or other items provided, stored, evaluated or processed through the Third-Party Software or Third-Party Content;
  • Any errors or omissions in the delivery or transmission of the Third-Party Software or Third-Party Content from us to you (and "you" includes delivery to your Financial Management Software and/or your computer); and
  • The Third-Party Software's or Third-Party Content's fitness for a particular purpose and non-infringement of any third-party rights.


3. You understand that some states do not allow limitations on how long an implied warranty lasts, so that the above limitations may not apply to you, and that you may also have other rights, which vary from state to state.

C. Additional Limitations of Liability

You agree that we won’t be liable to you for:

  • Your inability to access or use the Third-Party Software.
  • The accuracy, timeliness, loss or corruption, or misdelivery of any Eligible Account information or any other information processed by the Third-Party Software.
  • Unauthorized access to your Eligible Accounts or to your account information and any misappropriation, or alteration, of your account information or data as a result of your installation or use of the Third-Party Software.


D. Acknowledgements and Agreements

You agree and understand that:

  • You assume all risk that unauthorized third parties many access any Third-Party Software you download and install, or any information you enter into the Third-Party Software.
  • If you use the Third-Party Software to transmit information, you and the Third-Party-Software provider are responsible for the security and confidentiality of that information.
  • Any Third-Party Software downloads are your own risk and you alone are responsible for any resulting damage to the computer or other electronic device, as well as for any loss or corruption of data that might occur as a result.
  • You are solely responsible for acquiring and maintaining a computer or other electronic device that can handle and access the Third-Party Software, including any necessary equipment such as a modem, and that you’re responsible for all costs associated with accessing the Third-Party Software.

14. Communicating With Us

The Service provides email forms for you to ask questions or provide comments. The Service also lets you securely communicate sensitive or confidential information for your Wells Fargo Advisors accounts. You can access these email forms after you sign on with your password to a secure session of the Service.

To ensure the security of your Eligible Account information, we recommend that you use only these email forms when asking specific questions about covered Eligible Account(s). Use only the secure messaging feature when sharing sensitive or confidential account information about your Wells Fargo Advisors accounts.

You cannot use email to initiate transactions on your Eligible Accounts. For transactions, please use the appropriate functions within the Service, call 800-956-4442, or call the number listed on your account statement.

For employer-sponsored retirement accounts, please follow the procedures established by your plan administrator or call the Retirement Service Center to speak with a Retirement Service Representative for questions about your retirement account.

15. Fees

A. Fees for Eligible Accounts and Online Financial Services
B. Payment
A. Fees for Eligible Accounts and Online Financial Services

Fees (separately disclosed) in connection with an Eligible Account or Online Financial Service apply when using the Service. Additional fees may apply to specific services and are disclosed on the Website. Your internet, telephone, and/or mobile device service provider may assess other fees and bill them separately.

B. Payment

Unless otherwise agreed, you have to designate an account at Wells Fargo to pay fees for Eligible Accounts and Online Financial Services (your “Payment Account”). You authorize us to charge your Payment Account for the fees.

If you close your current Payment Account, you must notify us to designate a new deposit account that will be your Payment Account. In addition, you must cancel your Online Financial Services by notifying us at 800-956-4442 or the phone number located on your statement.

16. Security

A. Description
B. Usernames and Passwords
C. Protecting Your Security
D. Acknowledgements and Agreements
A. Description

You need a username and password, or other Wells Fargo approved security and authentication controls, to access your Eligible Accounts and Online Financial Services through the Service. We may set standards for your username and password. We recommend that you change your password regularly, and select a unique username and password combination for use only with the Service.

We may also require additional security procedures for certain transactions. These additional security procedures may require special hardware, software or third-party services. To enhance the security of your Eligible Accounts and Online Financial Services, we may also offer you additional, optional security procedures. These could include personal reference questions and answers, random number generators or one-time passwords.

We may also require the use or activation of specific applications, Internet browser software features, plug-ins and add-ons, to use the Service. These could include JavaScript support and “cookies.”

To enable and enhance secure access to the Service, we may also access detailed information about the computers and Mobile Devices you use to access the Service. This could include telephone numbers and unique internal and network identifiers for your computers and Mobile Devices. We also use cookies and other technology for information security and other purposes, as described in our Digital Privacy and Cookies Policy, available at https://www.wellsfargo.com/privacy-security/privacy/online.

B. Usernames and Passwords

You can change your username and/or password within the Service or by calling 800-956-4442 (877-879-2495 for Wells Fargo Advisors accounts).

Usernames and passwords must meet the standards we establish. These standards will be available for your reference whenever you create or change a username and/or password. We may require you to change or update your username and/or password at any time. If we change these standards, you may have to change your password to meet the new standards. We aren’t required to give you advance notice that we have changed the standards, or that we’re requiring you to change or update your password. You are responsible for keeping your password confidential: We recommend you select a unique username and password combination for use only with the Service, and memorize it rather than writing it down.

C. Protecting Your Security

Even though information exchanged through the Service is protected by advanced encryption techniques while being transmitted, you still need to protect your username and password for the Service.

You must notify us immediately if you suspect fraudulent activity on your Eligible Account or if you believe that:

  • Your password may have been lost or stolen.
  • A Mobile Device you use to access the Service has been lost, stolen or compromised.
  • Someone viewed, downloaded or deleted electronic records from your Eligible Account or Online Financial Service without your permission.


To notify us:

  • Call 800-956-4442 anytime, 24 hours a day, seven days a week;
  • Sign on at the Website and send us an email through your secure online session; or
  • Write to Wells Fargo Bank, N.A. P.O. Box 4132, Concord, CA 94518-4917.


In the event of unauthorized use of your username and password, or any other security or authentication technique we use, you may be liable for resulting losses, to the extent permitted by law, unless you fulfill your responsibilities under our Online Security Guarantee.

D. Acknowledgements and Agreements

You agree that:

  • We may place cookies and other identifiers on the computers and Mobile Devices you use to access the Service.

17. Privacy and Use of Information



A. Description
B. Acknowledgements and Agreements
A. Description

We are committed to protecting your privacy. The provisions of the privacy policies provided or made available to you in connection with an Online Financial Service or Eligible Account will govern all information we gather from you in connection with using the Service, as applicable.

The type of information we may collect, retain and use could include your name, address, phone number, email address, and the IP address and other identifiers related to the computers and Mobile Device(s) you use to access the Service. Information that we gather may be stored in the United States or other countries, and is protected in accordance with Wells Fargo information security standards.

You authorize your mobile operator (Verizon, AT&T, Sprint, T-Mobile) to disclose your mobile number, name, address, email, network status, customer type, customer role, billing type, account activation date, and device make and model, where provided in accordance with your mobile operator's privacy policy, to allow verification of your identity and to compare information you have provided to Wells Fargo with your mobile operator account profile information. Wells Fargo will not store any of this data. See our Privacy Policy for how we treat your data.

B. Acknowledgements and Agreements

You agree that:

  • We may collect and retain certain information and use that information to market our products and services to you. If your relationship with us is only as a participant in an employer-sponsored retirement or deferred compensation plan, or as an owner of a Shareowner Services Account, we won’t treat this paragraph as authorizing us to market our products and services to you.
  • If you access the Service, or use an Online Financial Service, we may track and record your geographic location. We may use automated processes to detect any use of the Service that violates the terms of this Agreement or any applicable law.

18. Additional Responsibilities



A. Your Responsibilities
B. Acknowledgements and Agreements
A. Your Responsibilities

You are responsible for:

  • Actions taken by anyone using the Service after signing in with your username and password, or any other Wells Fargo approved authentication control. We are entitled to rely and act upon instructions received under your username and password.
  • Keeping your username and password confidential.
  • For ensuring that you have signed off from the Service when your session is complete to prevent unauthorized persons from using the Service.
  • Ensuring your computer operating system, software, browser version, plug-ins and anti-virus software are all current and up-to-date.


B. Acknowledgements and Agreements

You agree that you will:

  • Be the only user of your username and password, that you won’t transfer or disclose any of this information to any other person.
  • Be responsible for all usage of the Service and any fees associated with use of other services accessed through the Service on your Eligible Account, whether or not authorized by you.
  • Immediately notify us at 800-956-4442 or the phone number located on your statement to report any actual or suspected unauthorized use of your username or password.
  • Provide true, accurate, current and complete information about yourself as requested.
  • Not misrepresent your identity.
  • Not use the Service for illegal purposes.
  • Comply with all regulations, policies and procedures of networks through which you access and use the Service.
  • Not use the Service in a way that disrupts the Service or the networks through which you access or use the Service.
  • Not access or attempt to access any Service account for which you have no access authorization, or duplicate, modify, distribute or display any of the data or files from any such account.
  • Be responsible for and provide all computer, telephone, and other equipment, software (other than any software provided by us) and services necessary to access the Service.

19. Disclaimers

A. Disclaimer of Warranties
B. Limits on Liability and Obligations
C. Indemnification
A. Disclaimer of Warranties

To the fullest extent permitted by law, we make no warranties of any kind for the Service, either express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose.

We do not warrant that the Service will be uninterrupted or error free, that defects will be corrected, or that our Website that makes the Service available is free of viruses or other harmful components.

B. Limits on Liability and Obligations

Wells Fargo and its officers, directors, shareholders, parents, subsidiaries, affiliates, agents, licensors, or third-party service providers are not liable for any:

  • Consequential (including without limitation, loss of data, files, profit or goodwill or the costs of procurement of substitute goods or service) damages.
  • Indirect damages.
  • Incidental damages.
  • Special damages.
  • Punitive damages.


This is true whether these damages occur in an action under contract, or from negligence or any other theory, arising out of, or in connection with, this Agreement, the Service, or the inability to use the Service.

In addition to reasons such as scheduled system maintenance, damages could arise from circumstances beyond our control, even if we advise you of the possibility of such damages. These circumstances could include (but are not limited to):

  • Power outages.
  • System failures.
  • Fires.
  • Floods.
  • Natural disasters.
  • Extreme weather.
  • Cyber-attacks, including Denial of Service (DoS).


In states that prohibit the limitation of liability for consequential or incidental damages, the above limitations may not apply.

Except as specifically provided in this Agreement or otherwise required by applicable law, we, our service providers or other agents, also won’t be liable for:

  • Any loss or liability you may incur resulting wholly or partly from failure or misuse of your equipment or software provided by an external company (such as an Internet browser provider, an Internet access provider, an online service provider or an agent or subcontractor of any of them).
  • Any direct, indirect, special or consequential, economic or other damages arising in any way from your access/use/failure to obtain access to the Service. Wells Fargo does not make any representation that any content or use of the Service is appropriate or available for use in locations outside of the continental United States, Alaska or Hawaii.


We won’t be obligated to honor, in whole or in part, any transaction or instruction that:

  • Is not in accordance with any term or condition of this Agreement or any other agreement that applies to the relevant Online Financial Service or Eligible Account.
  • We have reason to believe may not be authorized by you or any other person whose authorization we believe necessary.
  • We have reason to believe involves funds or other property subject to a hold, dispute, restriction or legal process we believe prevents the transaction or instruction.
  • Would violate any applicable provision of any risk control program of the Federal Reserve, the Office of the Comptroller of the Currency, or any applicable rule or regulation of any other federal or state regulatory authority.
  • Is not in accordance with any other requirement of our policies, procedures or practices.
  • We have other reasonable cause not to honor for our or your protection.


Wells Fargo won’t be liable for any failure of availability or performance due to scheduled system maintenance or circumstances beyond our control (such as power outage, computer virus, system failure, fire, flood, earthquake, or extreme weather).

C. Indemnification

Except where we’re liable under the terms of this Agreement or another agreement governing the applicable Eligible Account or Online Financial Service, you agree to indemnify, defend, and hold us, our affiliates, officers, directors, employees, consultants, agents, service providers, and licensors harmless from any and all third-party claims, liability, damages, and/or costs (including but not limited to reasonable attorney’s fees) arising from:

  • A third-party claim, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or other content or materials you submit to us.
  • Any fraud, manipulation, or other breach of this Agreement or the Service.
  • Your violation of any other applicable laws or rights of a third party, including but not limited to rights of privacy, publicity or other property rights.
  • The provision of the Service or use of the Service by you or any third party.

We reserve the right to defend/control (at our own expense) any matter otherwise subject to indemnification by you. In such a case, you will cooperate with us in asserting any available defenses. You won’t settle any action or claims on our behalf without our prior written consent.

You are providing this indemnification without regard to whether our claim for indemnification is due to the use of the Service by you, your Authorized Representative or your Delegate.

20. Dispute Resolution Program: Waiver of Class Action Rights and Arbitration Provisions

A. Description
B. Non-judicial Dispute Resolution
C. Definition of Disputes
D. Binding Arbitration and Waiver of Class Action Rights
E. Rights Preserved
F. Miscellaneous
G. Fees and Expenses
H. Small Claims Court
A. Description

This Section 20 constitutes the arbitration agreement between you and us, and includes a mutual waiver of class action rights. It governs disputes about the following, which are known as “Covered Disputes”:

  • Interpretation of this Agreement (which includes this arbitration agreement and whether a disagreement is a “dispute” subject to binding arbitration as provided for in this arbitration agreement).
  • The Service.
  • The Online Access Process.
  • Online Financial Services ("Covered Disputes").


This section does not cover the following disputes:

  • Disputes about Eligible Accounts that are brokerage accounts. These are governed by the Pre-Dispute Arbitration Agreement and governing law provisions contained in the brokerage account agreement document, which takes precedence over this section.
  • Disputes arising under any separate agreement governing your other Eligible Accounts. These are governed by the dispute resolution and governing law provisions of that agreement, which also take precedence over this section.

B. Non-judicial Dispute Resolution

You and we agree that any Covered Disputes between or among you and us, regardless of when it arose, will, upon demand by either you or us, be resolved by the arbitration process described in Section D below. You understand and agree that you and we are each waiving the right to a jury trial or a trial before a judge in a public court.

As an exception to this Arbitration Provision, we both retain the right to pursue disputes in small claims court in the state where you reside if the dispute lies within that court's jurisdiction.

C. Definition of Disputes

A dispute is any unresolved disagreement between or among you and us. Disputes include:

  • Claims based on broken promises or contracts.
  • Torts (injuries caused by negligent or intentional conduct) or other wrongful actions.
  • Statutory, common law, and equitable claims.
  • Any disagreement about the meaning of this Arbitration Provision.
  • Whether a disagreement is a “dispute” subject to binding arbitration as provided for in this Arbitration Provision.


D. Binding Arbitration and Waiver of Class Action Rights

Binding arbitration lets an independent third party resolve a Covered Dispute without using the court system, judges or juries. Either you or we may require the submission of a Covered Dispute to binding arbitration at any reasonable time, even if a lawsuit or other proceeding has begun. If either you or we don’t submit to binding arbitration following a lawful demand, the one who fails to so submit bears all costs and expenses (including attorney's fees and expenses) incurred by the other in compelling arbitration.

Neither you nor we will be entitled to:

  • Join, consolidate or combine Covered Disputes by or against others in any arbitration; or
  • To include in any arbitration any Covered Dispute as a representative or member of a class; or
  • To act in any arbitration in the interest of the general public or in a private attorney-general capacity.


Each arbitration, including the selection of the arbitrator, will be administered by the American Arbitration Association ("AAA") or such other administrator as you and we may mutually agree to (the AAA or such other mutually agreeable administrator to be referred to here as the “Arbitration Administrator”), according to the Commercial Arbitration Rules and the Supplemental Procedures for Consumer Related Disputes (“AAA Rules”).

To the extent that there is any variance between the AAA Rules and this Arbitration Provision, this Arbitration Provision will control. Arbitrator(s) must be a member of the state bar where the arbitration is held, with expertise in the substantive laws applicable to the subject matter of the Covered Dispute.

You and we each agree that in this relationship:

  • You and we are participating in transactions involving interstate commerce.
  • The Arbitrator will decide any dispute regarding the enforceability of this Arbitration Provision.
  • Each arbitration is governed by the provisions of the Federal Arbitration Act (Title 9 of the United States Code) and, to the extent any provision of that Act is inapplicable, unenforceable or invalid, the laws governing the relationship between you and us about which the Covered Dispute arose.


To find out how to initiate arbitration, please call any office of the AAA or visit the AAA Website at www.adr.org. If any of the provisions of this arbitration agreement dealing with class action, class arbitration, private attorney general action, other representative action, joinder, or consolidation is found to be unlawful or unenforceable, that invalid provision shall not be severable and this entire arbitration agreement shall be unenforceable.

E. Rights Preserved

This Arbitration Provision and the exercise of any of the rights you and we have under this Arbitration Provision do not stop either of us from exercising any lawful rights to use other remedies available to:

  • Preserve, foreclose, or obtain possession of real or personal property.
  • Exercise self-help remedies, including setoff and repossession rights.
  • Obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment or court appointment of a receiver by a court having jurisdiction.
  • Enforce your rights under section 502 of the Employee Retirement Income Security Act of 1976.

F. Miscellaneous

You and we each agree to take all steps and execute all documents necessary for the implementation of arbitration proceedings. The arbitrator may hear and rule on appropriate dispositive motions as part of the arbitration proceeding, such as motions for judgments on the pleadings, summary judgment, or partial summary judgment.

All parties (the AAA, the arbitrators, you and we) must, to the extent feasible, take any action necessary to ensure that an arbitration proceeding, as described in this Arbitration Provision, is completed within 180 days of filing the Covered Dispute with the AAA. The parties must not disclose the existence, content, or results of the arbitration, except for disclosures of information required in the ordinary course of business or permitted by applicable law or regulation. This provision will be liberally construed to ensure the enforcement of this Arbitration Provision.

Arbitration proceedings are conducted in the state where you reside or at a location determined by the AAA. All statutes of limitations that apply to any Covered Dispute apply to any arbitration between you and us.

The provisions of this Arbitration Provision will survive termination, amendment, or expiration of your Account relationship, the governing Agreement or any other relationship between you and us.

This Arbitration Provision constitutes the entire agreement between you and us and supersedes all prior arrangements and other communications about dispute resolution. If more than one arbitration agreement mutually entered into by you and us potentially applies to a Covered Dispute, the one most directly related to the Eligible Account or transaction that is the subject of the dispute will control.

G. Fees and Expenses

Arbitration fees shall be determined by the rules or procedures of the Arbitration Administrator, unless limited by applicable law. Please check with the Arbitration Administrator to determine the fees that apply to any arbitration you may file. If the law that applies to this Agreement limits the amount of fees and expenses you have to pay, then no allocation of fees and expenses to you shall exceed this limitation. Unless inconsistent with applicable law, each of us shall bear the expense of our own attorney, expert and witness fees, regardless of which of us prevails in the arbitration.

H. Small Claims Court

Notwithstanding anything in the Agreement to the contrary, each party retains the right to pursue in Small Claims Court any dispute in which the remedy sought is entirely within that court's jurisdiction.

21. Notices and Communication

A. Description
B. Electronic Delivery
C. Phone Calls and Text Messages
D. Returned and Unclaimed Information
E. Contact Information Changes
F. Implementation of Notices
G. Acknowledgements and Agreements
A. Description

Except as expressly provided otherwise in this Agreement, we’ll provide notices and other information regarding your Eligible Account, Online Financial Service, or the Service (collectively "Account-Related Information") electronically, through the mail or by other means. We’ll send this information to the postal or electronic address ("E-Address") of the Owner of the applicable Eligible Account or Online Financial Service as reflected in our records, unless you specify a different postal or E-address.

E-Addresses include email addresses, other Internet addresses, text messaging numbers or other electronic access addresses provided to us in accordance with this Agreement. Any Account-Related Information will be considered “sent” on the first Business Day following the date on the communication.

Account-Related Information held for pickup or posted on our Website will be deemed to be delivered to/received by you when we make it available for pick-up, display it to you or send notice in accordance with this Agreement that it is posted on our Website. The person receiving the notice has to provide copies of all Account-Related Information to all joint Owners, Delegates, or other persons with access to the applicable Eligible Account or Online Financial Service.

We can communicate all Account-Related Information to you through the U.S. Postal Service or overnight courier, at our sole option.

B. Electronic Delivery

Unless applicable law states otherwise, when we need to provide you with information in writing, we can send it electronically, either:

  • To your E-Address.
  • By posting the information to our Website.
  • By posting the information on our Website or to your online banking secure mailbox, and sending you a notice to your postal address or E-Address (either separately or as part of an account statement) telling you that the information has been posted and providing instructions on how to view it.


C. Phone Calls and Text Messages

We may phone you or send you text messages. You consent to our leaving prerecorded/artificial voice messages and using an automatic telephone dialing system to call or text your mobile/cellular telephone number. Our calls and text messages to your mobile/cellular telephone numbers could result in charges to you.

We won’t use an automatic telephone dialing system to make telemarketing calls or send marketing text messages to your mobile/cellular telephone numbers, and won’t use an artificial or prerecorded voice to deliver telemarketing messages to your mobile/cellular telephone or wired residential telephone based on the agreements you make in this Section 21.

D. Returned and Unclaimed Information

Unless otherwise prohibited by the laws governing your Eligible Account or Online Financial Service, this Sub-section D applies if two or more separate Account-Related Information documents are returned or, in the case of electronic notifications, one or more notices are returned as undeliverable.

This means we can stop sending Account-Related Information or electronic notifications to you until you provide a valid postal or E-Address to us.

We may also:

  • Destroy Account-Related Information sent to you and returned to us as undeliverable.
  • Hold the Account-Related Information for your Account for you to pick up.
  • Stop sending the Account-Related Information through current delivery method and use an alternative delivery method. For example, if we’re sending Account-Related Information to you via the U.S. Postal Service, and the information is returned to us as undeliverable on two or more occasions, we may attempt to deliver the information to your E-Address instead.


If we hold Account-Related Information for you to pick up and it remains unclaimed for 60 days, we may send the Account-Related Information to the address reflected in our records for your Eligible Account or destroy it.

E. Contact Information Changes

You must notify us immediately in the event of a change to your address, E-Address or phone number. Address changes may be initiated:

  • At your request – you can instruct us to change the address or E-Address to which we send notices or Account-Related Information about your Account at any time.
  • If we get an address change notice from the U.S. Postal Service.
  • If another party in the business of providing correct address information notifies us that the address in our records no longer corresponds to your address.


We may act on instructions purportedly made on your behalf within a reasonable time after we receive them.

Unless you instruct us otherwise, we may change the U.S. Postal Service address or E-Address only for the account(s) you specify, or for all or some of your other account(s) with us.

Please note that:

  • To change the address associated with an employer-sponsored retirement or deferred compensation plan, follow the address-change procedures established by your employer or plan administrator.
  • Contact your insurance carriers directly to change any insurance policy record. Address changes made with us won’t be reported to any of your insurance carriers.


F. Implementation of Notices

Any notice you send us won’t be effective until we actually receive it and have a reasonable opportunity to act on it. If your Eligible Account has multiple Owners, we may send Account-Related Information to any one of them.

You assume the risk of loss in the mail or other transit. Any notice or Account-Related Information we send you will be effective when mailed, sent electronically, or otherwise made available to you.

G. Acknowledgements and Agreements

You agree that:

  • We may satisfy our obligation to provide you with an annual copy of our Privacy Policy by keeping it available for review on our Website.
  • We may call you and text you to service your accounts, collect any amount you may owe or discuss our relationship, products and services with you. If your only relationship with us is as a participant in an employer-sponsored retirement or deferred compensation plan, or as an owner of a Shareowner Services Account, this paragraph won’t authorize us to make telephone calls or send text messages to discuss other products or services we offer.

22. Export Control and International Use

A. Description
B. Acknowledgements and Agreements
A. Description

The U.S. government controls the export (including downloads) of products and information containing encryption (“Controlled Technology”) under the Export Administration Regulations (“EAR”). This Service may contain Controlled Technology subject to the EAR.

B. Acknowledgements and Agreements

In your use of the Service, you agree:

  • To access and/or download Controlled Technology related to the Service.
  • Not to access or download Controlled Technology from any country where such access or download is prohibited by U.S. export control laws (which may include, without limitation, Cuba, Iran, North Korea, Sudan, or Syria).
  • That you’re not a person or entity to whom such access or download is prohibited.
  • Anyone accessing the Service from locations outside the United States does so at his/her own risk and is responsible for compliance with local laws.

23. General Provisions

A. Amendments
B. Termination
C. Governing Law
D. Assignment
E. Intellectual Property and Other Proprietary Rights
F. Entire Agreement
G. Waiver
H. Failure to Act
I. Headings
A. Amendments

Except as otherwise required by law, we may in our sole discretion change the terms of this Agreement at any time. This may include adding new or different terms to, or removing terms from, this Agreement.


We’ll update this Agreement on the Website on or before the effective date that changes are made, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires it be updated earlier. If we can’t disclose a change without jeopardizing the security of the system, this Agreement will be updated within 30 days after the change.

We’ll notify you as soon as possible when any changes are made that materially affect your rights, such as changes regarding how your information is maintained or used, or changes to the terms of this Agreement. By continuing to use the Service after we send you notice of any change, you agree to the change.

Changes to fees or terms that apply to Eligible Accounts are governed by the agreement otherwise governing the specific account. Except as otherwise required by law, any change to this Agreement applies only to transactions that occur, or claims that arise, after the amendment becomes effective.

B. Termination

This Agreement will be in effect from the date we accept your enrollment in the Service and at all times while you’re using the Service or any Online Financial Service. Unless otherwise required by applicable law, either of us can terminate this Agreement and/or your access to any Eligible Account or Online Financial Service through the Service, in whole or in part, at any time, without notice.

The termination of this Agreement won’t end your obligations or our rights under this Agreement before the termination.

We can suspend and/or reinstate access to an Eligible Account or Online Financial Service through the Service, in whole or in part, at our discretion, at any time. To request reinstatement of an Eligible Account or Online Financial Service, call 800-956-4442. If reinstated, the then-current terms of this Agreement will control.

If you don’t access your Eligible Accounts through the Service for a period of 24 consecutive months, we may terminate your Service, including Online Financial Services accessed through the Service, without prior notice to you.

To cancel any of your Online Financial Services, call 800-956-4442 or write to Wells Fargo Bank, N.A. P.O. Box 4132, Concord, CA 94518-4917. For Wells Fargo Advisors accounts, call 877-879-2495.

All applicable provisions of this Agreement will survive termination by either you or us, including, without limitation:

  • Provisions related to intellectual property.
  • Warranty disclaimers.
  • Limitations of liability.
  • Indemnification.


C. Governing Law

Each of your Eligible Accounts and Online Financial Services will continue to be read and interpreted according to the laws described in the agreements you have with us regarding those Eligible Accounts or Online Financial Services (for example, your deposit account agreement or your credit card agreement with us).

This Online Access Agreement will be read and interpreted according to the laws of the State of South Dakota, without regard to conflict-of-law rules.

In any legal action or claim regarding this Online Access Agreement, the prevailing party will be entitled to recover costs and reasonable attorney fees.

D. Assignment

We may assign our interest in this Agreement to Wells Fargo & Company, its successors, or to any now-existing or future direct or indirect subsidiary of Wells Fargo & Company. However, you may not assign or transfer this Agreement.

We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

E. Intellectual Property and Other Proprietary Rights

Other than your personal account information, all content included or available on the Service, such as advertisements, text graphics, button icons, images, audio clips and software, including the collection, arrangement and assembly thereof, is the property of Wells Fargo and/or third parties, and is protected by the Copyright Act and international treaties in addition to other state and federal intellectual property laws (collectively, the “Site Materials”).

The trademarks, logos, and service marks displayed on the Service (collectively, the “Trademarks”) are the registered and unregistered trademarks of Wells Fargo, or third parties. You may not use, copy, alter, modify, or change these Trademarks or copy, display, distribute, transfer, link to, reproduce, license, frame, alter, create derivative works of, or republish all or any portion of the Site Materials for any commercial or public purpose. The Service does not grant (by implication or otherwise) any license or right to use any Trademarks or Site Materials without the express written permission of Wells Fargo, or the third party that has rights to such Trademarks or Site Materials.

F. Entire Agreement

In combination with other applicable Wells Fargo agreements as described in Section 1.B. of this Agreement, this Agreement represents the agreement between you and Wells Fargo regarding the Service. It merges and supersedes all previous and contemporaneous written or oral agreements and understandings regarding the subject of online access.

Each of the rules, terms, and conditions set forth in this Agreement stands alone. Any term or condition contained in this Agreement that is inconsistent with the laws governing the Service will be deemed to have been modified by us and applied in a manner consistent with such laws.

Unless stated otherwise, if any provision of this Agreement is held to be invalid or otherwise unenforceable, the remainder of the provisions will remain in full force and effect, and will in no way be invalidated or otherwise affected.

G. Waiver

We may agree in writing (or otherwise) to waive a provision of this Agreement, including a fee (a “Waiver”). We may revoke any Waiver.

H. Failure to Act

Our failure to act with respect to a breach of the Agreement by you or others doesn’t waive our right to act with respect to subsequent or similar breaches.

I. Headings

Headings are for reference only and don’t define, limit, construe, or describe the scope or extent of a section.

If you have any questions regarding this Agreement, please contact Wells Fargo Online Customer Service at 800-956-4442.

Fraud Information

Updated: November 7, 2014

To Report Incidents of Unauthorized Access to or Use of Your Retirement Account:

Report unauthorized account access or use by contacting the Wells Fargo Institutional Retirement and Trust - Retirement Service Center at 1-800-728-3123, during business hours Monday through Friday, from 7:00 a.m. until 11:00 p.m., Eastern Time, excluding New York Stock Exchange and other bank holidays. To qualify for the Online Security Guarantee you must report such unauthorized account access or use within 60 calendar days after the date we send you the account statement showing that unauthorized activity.

To Report a Lost or Stolen Username and Password:

If you have lost your username and password or suspect that they have been stolen, you should change your username and password immediately. Follow the instructions on Username/Password Help. Review your account now and monitor it regularly.

To Report Confidential Information Provided to a Suspicious Email or Website:

If you have entered personal information in response to a suspicious email, pop-up window, or phony website claiming to be affiliated with Wells Fargo, call the Online Fraud Prevention Hotline at 1-866-867-5568 immediately.

To Report Phishing:

If you encounter a suspicious email or website that says it's from Wells Fargo, do not respond to it. Never open attachments, click on links, or respond to emails from suspicious or unknown senders. Forward the suspicious email or send an email with the website address to reportphish@wellsfargo.com.

How to Report Identity Theft

Identity theft occurs when someone steals your personal information and uses it to open new accounts or initiate transactions in your name. If you believe you are a victim of identity theft, report it immediately as instructed below.
Contact Wells Fargo

Call us immediately at 1-800-869-3557
Hearing impaired participants

TDD/TTY: 1-800-877-4833

24 hours a day, 7 days a week
Contact the major credit bureaus

You can request that the three main credit bureaus place a short or long-term fraud alert on your credit file. This alert requires creditors to verify your identity before opening any new accounts in your name or changing any existing accounts. You will only need to contact one bureau, which will notify the others.

Credit bureaus must provide victims of identity theft a free copy of their credit report. You should request one from each bureau, as the information can differ. Review your credit reports carefully for fraudulent activity. If fraud has occurred, notify the credit bureau and the companies where accounts were opened to report the fraud directly.

Once a dispute has been resolved, the credit bureaus you contacted will send you another copy of your credit report. Review the report to make sure that all fraudulent activity has stopped and your file has been corrected.

For more information about the steps to take and for credit reports, contact:

  • Disputes about Eligible Accounts that are brokerage accounts. These are governed by the Pre-Dispute Arbitration Agreement and governing law provisions contained in the brokerage account agreement document, which takes precedence over this section. Equifax: 1-800-525-6285 or www.equifax.com
  • Experian: 1-888-397-3742 or www.experian.com
  • TransUnion: 1-800-680-7289 or www.transunion.com
Contact other creditors

Contact your other creditors, including credit card and phone companies, banks, and other lenders, to notify them of potential fraud or identity theft. Consider following up your telephone conversations with a letter.

Close any accounts that have been breached and reopen them with new account numbers and passwords. Do not use your Social Security number as a username or password.
File a report with the local police

Contact your local police department if you suspect that your personal or financial information was stolen. A police report may lend credibility to your case when dealing with creditors, who may require proof of criminal activity.
Report the criminal activity to the Federal Trade Commission (FTC)

Call the FTC hotline at 1-877-ID THEFT (1-877-438-4338) to speak with a trained identity theft counselor or you can submit a complaint to the FTC on their website, www.ftc.gov/.
Contact other agencies as appropriate

  • Postal Inspection Service: www.usps.com. If you believe your mail was stolen or redirected, notify your local post office.
  • Social Security Fraud Hotline: 1-800-269-0271. If you suspect someone is using your Social Security number for fraudulent purposes, call the hotline.
  • Department of Motor Vehicles (DMV): www.dmv.org. If you believe someone is trying to get a driver’s license or identification card using your name and information, contact your local DMV.
Carefully review all your accounts

Since identity theft takes time to resolve, you should continue to review all charges and transactions appearing on account statements and online. Immediately report any discrepancies.

The Wells Fargo Identity Theft Repair Kit (PDF*) provides worksheets and tips for resolving identity theft.
More information on identity theft and fraud

How We Protect You

For more than 160 years, account security has been a top priority for Wells Fargo. Today, we remain as committed as ever and use proven technologies to protect your financial information and privacy.
Individualized password

When you sign up for online access, Wells Fargo asks you to create your own username and password, to access your accounts. This information is encrypted during transmission. Wells Fargo now allows you to select your own, personal username to sign on, instead of your Social Security number. We strongly recommend that you do not use your Social Security number as a username or password.

Wells Fargo may request a participant’s online username to authenticate the participant by phone or email; however, we do not request a participant’s online password to verify their identity. Wells Fargo emails may include a sign-on link. If there is ever a question regarding the legitimacy of an email, our participants should sign on from their Wells Fargo homepage.
Security questions

Since 2008 Wells Fargo has required online users to select three security questions and provide answers. If we ever need to confirm your identity, your correct answers to security questions will help us verify it’s you.
Timed log-off

Wells Fargo's system will automatically log you off after 10 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.
Firewall

Wells Fargo's computer systems are protected 24 hours a day by a powerful firewall that blocks unauthorized entry. In order to gain access to authorized information, the Web browser you are using must know the proper protocol, or language, and even then only select information is available.
Encryption

From the moment account information leaves your computer to the time it enters Wells Fargo's system, all online access sessions are encrypted. Wells Fargo employs some of the strongest forms of encryption commercially available for use on the Web today.

During any transaction, our encryption turns your information into a coded sequence with billions of possible variations, making it nearly impossible for unwanted intruders to decipher. Wells Fargo's computers possess the proper formulas to turn this code back into meaningful information and complete your transaction.

Look for a "closed lock" icon in the lower right-hand corner (Microsoft Internet Explorer) or in the right end of the address bar (Firefox 2) or in the top right corner (Safari) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."
Constant surveillance

Wells Fargo's security team maintains and monitors our security systems to make sure that your accounts are safe and secure.
Additional security measures

Wells Fargo's layered approach to online security extends beyond a unique username and password, 128-bit encryption, a powerful firewall, technology updates, and continuous surveillance. We have additional security measures that may be activated in response to certain activities or events. If we are suspicious of any online behavior, we may restrict online access to accounts or prevent certain types of transactions. These measures safeguard your identity and your accounts. Further proof of identity may be required before online access is restored.
Technology updates

To resist constantly evolving online threats, Wells Fargo has adopted proven industry standards for technology to protect your account security.

In addition, Wells Fargo collaborates closely with major Internet software manufacturers like Microsoft®, Mozilla®, and Apple® to ensure that new web browsers meet our high security standards and can be included in our list of supported browsers.

Common Methods Fraudsters Use

Fraudulent emails (phishing)

Phishing is usually a two-part scam involving emails and spoof websites. Fraudsters, also known as phishers, send an email to a wide audience that appears to come from a reputable company. This is known as a phish email.

In the phish email, there are links to spoof websites that imitate a reputable company’s website. Fraudsters hope to convince victims to share their personal information by using clever and compelling language, such as an urgent need for you to update your information immediately or a need to communicate with you for your own safety or security. Once obtained, your personal information can be used to steal money or transfer stolen money into another account.

Use caution if you receive an email expressing an urgent need for you to update your information, activate your online banking account, or verify your identity by clicking on a link. These emails may be part of a phish scam conducted by fraudsters to capture your confidential account information and commit fraud. Never open attachments, click links, or respond to emails from suspicious or unknown senders. If you receive a suspicious email that appears to be from Wells Fargo, report it and delete it.
How fraudsters obtain email addresses

Fraudsters obtain email addresses from many places on the Internet. They also purchase email lists and sometimes guess email addresses. Fraudsters generally have no idea if people to whom they send financial-related phish emails are actual account holders. Their hope is that a percentage of those phish emails will be received by actual account holders.

If you receive a fraudulent email that appears to come from Wells Fargo, this does not mean that Wells Fargo’s computer systems have been breached.
Fraudulent websites (phish or spoof websites)

Fraudsters may attempt to direct you to spoof websites via emails, pop-up windows or text messages. These websites are used to try to obtain your personal information. One way to detect a phony website is to consider how you got to the site. Use caution if you may have followed a link in a suspicious email, text message, online chat or other pop-up window requesting your personal or account information.
Text-message phishing (smishing)

A phishing attempt sent via SMS (Short Message Service) or text message to a mobile phone or device. This tactic is also referred to as smishing, which is a combination of SMS and phishing. The purpose of text message phishing is the same as traditional email phishing: convince recipients to share their confidential information.

Never take action on a request for your personal or financial information, including account numbers, passwords, Social Security number or birth date. If you receive a text message expressing an urgent need for you to update your information, activate an account, or verify your identity by calling a phone number or submitting information, on a website, do not respond and delete it. These messages may be part of a phishing scam conducted by fraudsters in an attempt to capture your confidential account information and may be used to commit fraud.
Telephone or voice phishing (vishing)

Known as vishing, or voice phishing, this tactic is a phishing attempt made through a telephone call or voice message. Fraudsters may have the ability to spoof their caller ID so it could appear that the telephone call is coming from a legitimate company. Fraudsters may also have identifying personal information, such as your name, which they may use to make the call appear more authentic.

If you are uncomfortable with a phone call that was not initiated by you, ask for the purpose of the call and then hang up. Then, contact the company using legitimate sources such as contact phone numbers found on the company’s website, your bank statements, and those listed on your ATM, debit or credit card.
Paper mail or fax phishing

Some fraudsters still use low-tech methods to obtain your personal and financial information. Phishing attempts can be made through regular mail or fax machines. If you are suspicious about a piece of mail or fax you have received requesting personal or financial information, you should discard it. If you responded to a suspicious mailing or fax and provided confidential information, contact the company the mail or fax appears to be from. Use a legitimate source such as the phone number listed on the company's website, billing statement, or on the back of your ATM, debit or credit card to determine if your information was compromised.
Pop-up windows

Fraudsters may use pop-up windows – small windows or ads – to obtain personal information. These windows may be generated by programs hidden in free downloads such as screen savers or music-sharing software. If you encounter a suspicious pop-up window, close it. To protect yourself from harmful pop-up windows, avoid downloading programs from unknown sources on the Internet and always run anti-virus software on your computer.

What You Can Do

When it comes to keeping your personal and financial information safe, it’s important to be proactive. Follow these tips to help protect yourself from fraud and identity theft.

Protect your identity

Safeguard your personal and financial information so that it doesn’t fall into the wrong hands.
Identity Protection Tips

  • Carry only necessary information with you. Leave your Social Security card and unused credits cards at home in a safe and secure location.
  • Do not provide your Social Security number unless absolutely necessary.
  • Make photocopies (front and back) of vital information you carry regularly and store them in a secure place, such as a safety deposit box. Then, if your purse or wallet is lost or stolen, you have contact information and account numbers readily available.
  • If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call. Then contact the company using legitimate sources such as contact phone numbers found on the company’s website, your bank statements, and those listed on your ATM, debit or credit card.
  • Never provide payment information on a call that you did not initiate.
  • Replace paper invoices, statements and checks with electronic versions, if offered by your employer, bank, utility provider or merchant.
  • Shred documents containing personal or financial information before discarding. Many fraud and identity theft incidents happen as a result of mail and garbage theft.
  • Review your credit report at least once a year to look for suspicious or unknown transactions. You can get a free credit report once a year from each of the three major credit bureaus at www.annualcreditreport.com. Get a copy at any time directly from:
  • Subscribe to a daily credit monitoring service.
  • Promptly retrieve incoming mail and place outgoing mail in a U.S. Postal Service mailbox, instead of your home mailbox, to reduce the chance of mail theft. Consider paperless options for your bills and financial statements.
  • Know your billing and statement cycles. Contact the company’s customer service department if you stop receiving your regular bill or statement.
Checking Account Security Tips

  • Report lost or stolen cards and checks immediately.
  • Review account statements carefully. Regular account review helps to quickly detect and stop fraudulent activity. Ask about suspicious charges.
  • Limit the amount of information on checks. Don’t print your driver license number or Social Security number on your checks.
  • Store new and cancelled checks in a safe and secure location.
  • Carry your checkbook with you only when necessary.
  • Use tamper-resistant checks.
Credit Card and Debit Card Security Tips

  • Always keep your credit or debit card in a safe and secure place. Treat it as you would cash or checks.
  • Do not send your card number through email, as it is typically not secure.
  • Do not give out your card number over the phone unless you initiated the call.
  • Regularly review your account statements as soon as you receive them to verify transactions.
  • When selecting a PIN, don’t use a number or word that appears in your wallet, such as name, birth date, or phone number.
  • Ensure no one sees your PIN when you enter it. Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
  • Cancel and cut up unused credit and other cards. If you receive a replacement card, destroy your old card.
  • Shop with merchants you know and trust.
  • Make sure any internet purchase is secured with encryption to protect your account information. Look for secure transaction symbols such as a lock symbol in the lower right-hand corner of your web browser, or “https://…” in the address bar of the website. The “s” indicates "secured" and means the web page uses encryption.
  • Always log off from any website after a purchase transaction is made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.
  • Safe-keep or securely dispose of your transaction receipts.

Be safe online and on your mobile device

Whether you’re sending emails, shopping online, using social media, or just surfing the Web, it’s important to keep your account information and identity secure. Follow these tips to avoid compromising your information.
Online Security Tips

  • Do not use your Social Security number as a username or password.
  • Change your usernames and passwords regularly and use combinations of letters, numbers, and special characters such as # and @. Do not use your Wells Fargo credentials for other online accounts.
  • To change your Wells Fargo username or password:
    • Sign on to your retirement account.
    • In the upper right, under My Settings, select Change User ID or Change Password.
  • Protect your online passwords. Don’t write them down or share them with anyone.
  • Protect your answers to security questions. Do not write down or share your answers with anyone. Wells Fargo will never ask you to provide answers to security questions via email.
  • Use secure websites for transactions and shopping. Shop with merchants you trust. Make sure internet purchases are secured with encryption to protect your account. Look for secure transaction signs like a lock symbol in the lower right-hand corner of your browser or “https” in the address bar.
  • Social media is increasingly popular, but it's a good idea to keep certain personal information private. Avoid sharing personal details that are used by financial institutions to identify you, such as your birth date, home address, mother’s maiden name, schools attended/mascots and pet’s name. Fraudsters may use this type of information to help gain access to an account since they are common answers to security questions.
  • Always carefully review the privacy options for any social network you join. The privacy options and tools for social networks can be complex and should be reviewed carefully so that there is no disclosure of information you meant to remain private.
Email Security Tips

  • Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
  • If you receive a suspicious email that you think is a phish, do not respond or provide any information. Send the email to reportphish@wellsfargo.com.
  • If you respond to a phish email with personal or account information, contact 1-866-867-5568.
Mobile Security Tips

When you use a mobile device for browser or text-based account access, keep these tips in mind:

  • Use the keypad lock or phone lock function on your mobile device when it is not in use. These functions password-protect your device to make it more difficult for someone else to view your information.
  • Frequently delete text messages from your financial institution, especially before loaning out, discarding, or selling your mobile device.
  • Keep your account numbers, passwords, Social Security number and date of birth private. Never share your personal or financial information in a text message, phone call or email.
  • If you lose your mobile device or change your mobile phone number, sign on to your retirement account to remove the old number from your Email Address and Delivery Preferences under My Settings, or call the Retirement Service Center at 1-800-728-3123.
  • Avoid storing your banking password or other sensitive information on your smartphone or in an app where it could be discovered if your phone is stolen.
  • When you finish banking online, always log off. Wells Fargo's smartphones apps, iPad apps and mobile banking site will automatically log you off after 10 minutes of inactivity. This reduces the risk of others accessing your information from your device.
  • Keep your mobile operating system up to date to ensure the highest level of protection. Before downloading an update to your mobile device be sure to go to the company’s website to confirm the update is legitimate.
  • Be cautious when using public hotspots. Carefully consider your Wi-Fi and Bluetooth connection settings, even at a trusted retailer, as fraudsters can spoof the name of reputable hotspots.
Applications are programs you can download to your mobile device. Applications or “apps” that let you monitor your finances and conduct certain transactions are increasing in popularity.

  • Download banking applications from reputable sources only to ensure the safety of your account information. Download the Wells Fargo app by searching “Wells Fargo” in your phone’s app store, or visit wf.com on your phone's browser.
  • For your security, sign off when you finish using a Wells Fargo app rather than just closing it.
  • If you have suspicions about the authenticity of a Wells Fargo mobile banking app, access your account through our mobile banking site at wf.com.
QR codes (quick response codes) are two-dimensional barcodes that can be scanned with a mobile device to provide easy access to online information. Much like links in email, QR codes can be used by fraudsters to send you to websites that may request your personal and financial information or could corrupt your mobile device.
Image of QR Code
 
  • Treat QR codes with the same suspicion as you would any URL or link you find in an email.
  • Use caution on which QR codes to scan, as some may have been tampered with if placed in a public place.
  • Use a QR code scanner from a reputable source that will check links for malicious content. This capability can be found in the app description before downloading.
Computer Security Tips

  • Avoid downloading programs from unknown sources.
  • Ensure your computer operating system, software, browser version and plug-ins are current. Before downloading an update to your computer program, first go to the company’s website to confirm the update is legitimate.
  • Install a personal firewall on your computer and keep anti-virus software installed and updated.
  • Be wary of conducting online financial activities on computers that are shared by others. Public computers should be used with caution. Online financial activities and viewing or downloading documents (statements, etc.) should be conducted, when possible, on a computer you know to be safe and secure.
  • Configure your devices to prevent unauthorized users from remotely accessing your devices or home network. For example, if you use a home wireless router for your home internet connection, follow the manufacturer’s recommendations to configure the router with appropriate security settings.
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