Selected Terms and Conditions for Wells Fargo Business
Debit, ATM, and Deposit Cards
Terms and Conditions effective 7/23/2024.
Introduction

page 1

Using Your Card

page 2Using Your Card Through a Mobile Device

page 5

Understanding Authorization Holds for Card
Transactions

page 5Creating an Overdraft Using Your Card

page 6

Handling Preauthorized Payments

page 6

Card on File with Merchants

page 6

Helping Protect Your Card

page 6

Card and ATM Safety Tips

page 6

Contact Us

page 7• “Business day” is any day except Saturday, Sunday, andfederal holidays.
• “Card” includes every type of business debit and ATM Card
we may issue to you, except for business deposit cards
unless otherwise noted.
• “Cardholder” refers to each person to whom a Card isissued.
• “Mobile Device” means a smartphone, tablet, computer,or any hand held or wearable communication device andany third-party application within a device that allows you
to electronically store or electronically present your debit
Card or debit Card number, which is replaced with a unique“Digital Card Number,” to make debit Card transactions.
• “Overdraft” is an available balance of less than $0.00 inyour Account.
• “PIN” refers to your personal identification number.
• “We,” “us,” “our,” and “Bank” refer to Wells Fargo Bank, N.A.
• “You” and “your” refer to you the customer, and any
Authorized Signer of a business or commercial Account.
Unless otherwise specified, a “day” is defined as the 24-hour
period from midnight to midnight, Pacific Time. Transactions
made in other time zones will be based on when received in
Pacific Time.

INTRODUCTION
This brochure describes your rights and responsibilities
for your business debit, ATM, or deposit Card, and adds
information to our

Disclosing your information
Generally, we will not disclose information about yourAccount, but we may do so in the following situations:• To comply with a statute, regulation, or rule.
• In any legal process, including subpoena, search warrant, orother order of a government agency or court.
• In connection with examinations by state and federalbanking authorities.
• If we need to disclose information to complete atransaction.
• To verify the existence and condition of your Account for athird party, such as a merchant or credit bureau.
• To provide information to the legal representative or
successor of a deceased co-owner for the period during
which the deceased had an interest in your Account.
• To report the involuntary closure of your Account.
• When disclosure is necessary to protect you, your Account,or our interests.
• If you give us your permission.
• To our agents, independent contractors, and otherrepresentatives who service or process your Accounttransactions, Account analysis, or for similar purposes.
• To our affiliated banks and companies and to unaffiliatedthird parties in accordance with our Privacy Notice.

• Commercial Account Agreement,• Deposit Account Agreement,• Business Account Fee and Information Schedule,• Other Account Agreements,• Any additional disclosures, amendments, or addenda we
provide to you, and• Any updated information we gave you since you opened
your Account.
However, if this brochure differs from the documents listed
above, the information in this brochure will control, unlessotherwise stated. If you have other accounts that you wish toaccess using your Card, the agreements applicable to thoseaccounts will control when your Card is used to access thoseaccounts.
Para obtener una copia de estos Términos y Condiciones en
español, visite wellsfargo.com/terminostarjetadebito.
Defining words in this brochure• “Account” refers to the business or commercial checking
and/or savings account(s) accessible using your Card.
• An “Authorized Signer” is a person who has your actual orapparent authority to use your Account even if they havenot signed the signature card or other documents, andincludes any Limited Signers.
1

USING YOUR CARD
Actions

Table 1 shows how you can use your Card to make purchases
and payments, make transfers, and use ATMs and otherservices. You authorize us to act on your instructions that we
receive through any ATM, merchant or network in which weparticipate. Note: Some services described below may not be
available at all ATMs or merchants.
Using your Card can include using your physical Card oraccessing your Card by using it through a Mobile Device as
noted in the following chart.

At most Wells Fargo ATMs3(continued)

TABLE 1
Actions

Business Business Business
Debit
ATM
Deposit
Card
Card1
Card2

To purchase or pay
At merchants who accept
payments through a
network in which weparticipate (e.g., Visa® and
MasterCard®)✓

Pay bills directly tomerchants or otherproviders with your Card,or through a Mobile Device
at merchants who accept
mobile payments✓

Request cash back when
making a purchase withyour PIN at merchants whooffer this service✓

Through a Mobile Device
at merchants who accept
mobile payments✓

Choose whether and how
you receive a receipt at thetime you use your Card at amerchant terminal✓✓

View your Account balances✓✓

Withdraw cash✓✓

Transfer funds between
your Accounts✓✓

Make deposits to yourAccounts (up to any deposit
limits that may apply)✓✓

Transfer funds from youreligible Wells Fargo credit
accounts to your Accounts4✓✓

Make payments to youreligible Wells Fargo credit
account✓✓

Business Business Business
Debit
ATM
Deposit
Card
Card1
Card2

✓

Get a statement of youraccount balances or last 10
transactions5✓✓

Choose how you want toreceive your ATM receipt:
printed, emailed to theaddress on file or to yourWells Fargo Business
Online® secure inbox✓✓

Use your Mobile Device toaccess Wells Fargo ATMs
by tapping it near theContactless Symbol (see“Using Your Card Througha Mobile Device” for moredetails)✓✓6

At non-Wells Fargo ATMs7✓

View your Account balance(fees may apply)✓✓

Withdraw cash (fees may
apply)✓✓

Transfer funds between
your Accounts (fees may
apply)✓✓

Wells Fargo bank locations(fees may apply)✓✓

Non-Wells Fargo banks that
accept Visa-branded cards
when a teller helps you withyour transaction (fees may
apply)✓✓

At other locations towithdraw money using yourphysical Card

At all Wells Fargo ATMs

Via electronic credit
transfers
Receive transfers, such as
those through card networks
or funds transfer systems8

At most Wells Fargo ATMs3✓

1. Purchases made using an ATM Card are only available at merchants who
accept payment through networks in which we participate and require a
PIN to authorize the purchase.
2. At an ATM the business deposit card and associated PIN can only be
used to make ATM deposits, and can only be linked to deposit accounts.
The Card can be requested by an Authorized Signer on the business orcommercial accounts. It also can be requested by an Authorized Signer
for use by a non-Authorized Signer. When the Card is used to makean ATM deposit, account balances are neither displayed on the ATM
screen nor printed on the ATM receipt. The Card PIN cannot be used forauthentication for phone or online access.
3. While most Wells Fargo ATMs offer these additional features and services,
some Wells Fargo ATMs are limited to cash withdrawals, balance inquiries,
and fund transfers between accounts linked to your Card as primary
checking and primary savings. The features and services offered at aparticular Wells Fargo ATM will be displayed on the ATM screen.

✓2Service mode” during branch hours. When in Assisted-Service
mode, the ATM screen’s main menu will display an “I needassistance” option. Note: When using a Wells Fargo ATM in
Assisted-Service mode, your Card’s daily ATM withdrawal limit
may not apply.

4. Cash advance and ATM advance fees may apply. Refer to the applicablecredit card account agreement or line of credit account agreement for
more details.
5. Statements at ATMs should not be used in place of your Accountstatement for balancing or verifying the actual Account balance.
6. Business deposit cards are able to only receive printed receipts.
7. Non-Wells Fargo ATMs are ATMs that are not owned or operated by
Wells Fargo or are not prominently branded with the Wells Fargo nameand logo. You can use your Card at non- Wells Fargo ATMs that display the
Plus® logo to withdraw cash, check balances, and transfer funds between
the Accounts linked to your Card as primary checking and primary savings.
Note: 1) Some non-Wells Fargo ATMs may not give you the option ofchoosing which Account to access or may only let you access one of yourAccounts. 2) Some transactions may not be available at all ATMs, may bedifferent from those available at Wells Fargo ATMs, or may be limited to
any withdrawal limit(s) set by the non-Wells Fargo ATM.
8. If your debit Card or debit Card number is used to receive a credit transfer,the frequency and dollar amount of those transfers may be limited by theapplicable card network.

Note: If you are accessing a Wells Fargo ATM in AssistedService mode using a Mobile Device, see “Using Your Card
Through a Mobile Device” for more details.
Linking accounts for Card access and designatinga primary account
Linking lets you add accounts you own (e.g., checking or
savings accounts) to a debit or ATM Card, giving you accessto make transactions on multiple accounts with one Cardat Wells Fargo ATMs. At most Wells Fargo ATMs, you haveaccess to Accounts linked to your Card.

Fees we charge for using your Card
Table 2 shows fees we may assess. These fees may not beapplicable to all customers. Your Account may provide fee
waivers on certain fees listed below. For more details, refer tothe applicable Wells Fargo Fee and Information Schedule or
the applicable price disclosures for your Account.

If you link only one account of a single type (e.g., checking
or savings accounts) to the Card, that linked account is
automatically designated as the “primary” linked account for
purposes of electronic fund transfer services. A debit Card
must have at least one checking account linked, designatedas primary checking. The money for purchases and payments
made with a business debit Card is deducted from theprimary linked account. The money for purchases made witha business ATM Card is deducted from the primary checking
account; if no checking account is linked, it is deducted fromthe primary savings account. Cash withdrawals using a Card ata participating non-Wells Fargo ATM may be deducted fromthe primary checking or savings account. Note: Not all ATM
operators support display of more than one type of account.

TABLE 2
U.S.9 International
Non-Wells Fargo ATM fees
Cash withdrawal transaction$3$5

Non-Wells Fargo bank cash
disbursement fees for using a debit
Card to withdraw cash from a teller

$3

3% of
transaction
amountInternational purchasetransaction fee10

If you link more than one account of a single type to theCard, you may designate a primary linked account, and otheraccounts. If you do not designate a primary linked account, thefirst account of that type linked to your Card is considered theprimary linked account. If a primary linked account is closed
or delinked for any reason, we will generally designate a linked
secondary account of the same account type (if applicable)
as the new primary account. If the only other linked accountis a savings account and there are no other eligible checking
accounts to be linked as primary checking, your debit Card
will be closed and you can request an ATM Card. You may
link a new primary account of a different type (consumer,
business, individual brokerage, or commercial brokerage), thanthe previous primary linked account. Depending on the newprimary linked account, you may be issued a new card type. We
will determine the number and type of accounts you can link toyour Card.

3% oftransaction
amount9. U.S. includes the 50 states and the District of Columbia, as well as the U.S.
territories of American Samoa, Guam, Northern Mariana Islands, Puerto
Rico, U.S. Minor Outlying Islands, and U.S. Virgin Islands.
10. For each debit Card purchase in a foreign currency that a network
converts into a U.S. dollar amount.

Fees non-Wells Fargo ATM operators may charge
The non-Wells Fargo ATM operator or network may charge
you a fee. Their fee is included in the total amount withdrawn
from your Account and will apply to your Card’s daily ATM
withdrawal limit. We may reimburse that fee, in whole or inpart, if allowed by the terms of your Account.
Merchant and third party fees
Some merchants may assess a fee when you use your Cardfor a purchase or for cash back. This fee will be included in
the total purchase amount and will apply to your Card’s dailypurchase limit. You may also be charged a fee by other banks
and financial institutions for cash disbursements at theirbranches. That fee may be added to your total disbursement
and will apply to your Card’s daily ATM withdrawal limit.

Using a Card to access linked credit card and line of credit
accounts at ATMs
If you link your Wells Fargo credit card account or eligible lineof credit account (linked credit account) to your debit/ATM
Card, you may use the Card to access the linked credit accountat most Wells Fargo ATMs. You can use the Card to obtain cashor transfer funds from the linked credit account, as long as
the linked credit account is in good standing and has available
credit. Cash withdrawals and transfers of funds from yourlinked credit account are treated as cash advances. Each ofthese transactions is subject to the provisions of the applicablecredit card account agreement or line of credit accountagreement, including daily limits and cash advance fees.

ATM and merchant terminal malfunctions
We are not responsible for damages resulting from an ATM
or merchant terminal malfunction.
Wells Fargo ATMs in Assisted-Service mode
Some Wells Fargo ATMs in branches can operate in “Assisted3

Note: Your current Available Balance may not yet reflect
all of the transactions you have made, including but notlimited to a Card purchase that the merchant has not yet
transmitted to us, or a check you wrote that has not been
cashed by the payee. For more information about how
your Available Balance is calculated, please refer to yourapplicable account agreement.

You must notify us in case of errors or questions about yourWells Fargo credit card bill. If you think your bill is wrong or if
you need more information about a transaction on your bill,
write to us or call us at the address or telephone number listed
on your credit card account statement. However, you must
write to us to preserve your billing rights. Please consult yourapplicable credit account agreement for complete informationon the terms and conditions applicable to your linked credit
account, including the rules related to cash advances from, andpayments to, your linked credit accounts.

• Authorizations: When we approve a transaction orpurchase, we call that an “authorization.” We may limit
the number of authorizations we allow during a period oftime (e.g., if we notice out-of-pattern use of your Card,or suspected fraudulent or unlawful activity). For security
reasons, we cannot explain the details of the authorization
system. If we do not authorize the payment, we may notify
the person who attempted the payment that has beenrefused. We will not be responsible for failing to give an
authorization.

Daily limits and funds available for using your Card
You may use your Card subject to 1) your daily purchase limit
and daily ATM withdrawal limit, and 2) your Available Balancein your Account. The following rules apply:• Limits on dollar amounts:• Your Card’s daily purchase limit is the maximum U.S. dollar
amount of purchases (including cash back, if any) that canbe authorized each day from your primary linked Account,less merchant fees, if any. Note: If you use your Card orCard number to fund a digital wallet, brokerage, or othertype of account, these Account Funding Transactions(AFTs) will count against your Card’s daily purchase limit(AFTs may also be limited by the applicable card network).
- If your daily purchase limit is more than $99,999, you
may ask that the merchant process multiple transactions
to complete a purchase above this amount.
• Your Card’s daily ATM withdrawal limit is the maximum
amount of cash you can withdraw each day from any
combination of accessible Accounts using your Card, lessany fees charged by the non-Wells Fargo ATM operator or
third party, if applicable.
• When you use a Wells Fargo ATM in Assisted-Service mode,
your Card’s daily ATM withdrawal limit may not apply.

• Partial authorization for Card transactions: If a Card
purchase amount exceeds the current Available Balancein the primary linked checking or savings Account when
you are making a purchase, you may be able to use yourAvailable Balance to pay for a portion of the total purchase.
The transaction will be subject to a partial authorization
daily purchase limit set by us and your Card’s daily dollar
limit. We will first try to approve the full amount of thepurchase with the available funds in your checking account,then any accounts linked for Overdraft Protection, if
applicable and if enrolled, using Debit Card Overdraft
Service. If we do not approve the full amount of thepurchase, we may approve a portion of the purchase using
the remaining available funds in your checking account. Thisis called a “partial authorization.” The remaining amountof the purchase total would need to be covered by anotherform of payment, such as cash or another card. If you areunable/unwilling to provide an additional form of payment,
the partial authorization will be reversed by the merchant.
Not all merchants are able to accept partial authorizations
or process transactions using multiple forms of payment.

• The limits for your Card: We provide you your daily ATM
withdrawal and purchase limits when you receive yourCard. You can confirm your Card’s daily limits by signing on
to Wells Fargo Online or the Wells Fargo Mobile® app, or
calling us at the number listed in the “Contact Us” section.
Note: For security reasons there may be additional limits on
the amount, number, or type of transactions you can makeusing your Card, including the geographic location of the
ATM or merchant.
• Changes to your Card limits: We may, without telling you,increase your Card’s daily purchase or ATM withdrawal
limit based on Account history, activity, and other factors.
If we decrease the limits of your Card, we will notify you in
accordance with applicable law.

Illegal transactions and internet gambling
You must not use your Card or Account for any illegal
purpose. You must not use your Card or Account to fundany account that is set up to facilitate internet gambling,
except certain government (or state) owned lotteries andcertain government-licensed online casinos and horse/dog
racing. In our discretion, we may allow or deny transactions or
authorizations from merchants who are apparently engaged
in or who are identified as engaged in the internet gambling
business.

• Available Balance: Your “Available Balance” is the mostcurrent record we have about funds that are available forwithdrawal from Accounts accessible using your Card. You
may use your Card as often as you want each day as long
you stay within your daily ATM withdrawal limit and dailypurchase limit, and you have sufficient Available Balance inany of your Accounts used for withdrawal. If using your Cardto perform an ATM transaction or purchase would create an
Overdraft on the Account, we may take actions describedin the section of this brochure titled “Creating an Overdraft
Using Your Card.”

Ending your Card use
Your Card is our property. We may cancel or suspend yourCard or Card banking access at any time without notice toyou (for example, if you fail to activate your Card). We may
decide not to issue a Card to you or replace your Card (forexample, if the Card has not been used for a prolonged periodof time). You may cancel your Card at any time by calling thenumber on the back of your Card. If the Card is canceled, youmust pay for any Card transactions made before the Card iscanceled, and you will immediately destroy the Card after it iscanceled.
4You can monitor your Card transactions:• Keep track of your transactions with online or mobilebanking.
• Get card activity alerts delivered by email, push notification,or text. Sign-up may be required. Availability may beaffected by your mobile carrier’s coverage area. Your mobile
carrier’s message and data rates may apply.
• Review your account statements regularly to verify
transactions.

When you use your debit Card with your Mobile Device
for transactions, third parties (such as merchants, card
association networks, mobile carriers, digital wallet operators,
mobile device manufacturers, and software application
providers) may 1) use and receive your Digital Card Number
and information about your Card transactions as necessary
to effect, administer, or enforce the Card transaction, and2) receive information about your Mobile Device. The thirdparty digital wallet operator may use this information todisplay it to you or for its own purposes according to theterms, conditions, and other agreements that the digitalwallet operator may require you to accept. Please refer to thethird-party digital wallet operator’s privacy policy and terms
and conditions for more detail about how the digital wallet
operator will use and retain your information, as well as toreview any fees that the third-party digital wallet operator
may charge. We are not responsible for a third party’s privacy
practices or level of security. If a third-party digital wallet
operator displays a history of Card transactions made throughyour Mobile Device, you understand that the third-party
transaction history does not reflect complete information
about your Card transactions.

USING YOUR CARD THROUGH A MOBILE DEVICE
If you make debit Card transactions through a Mobile Device,these Terms and Conditions apply. When you use your debit
Card with your Mobile Device for transactions:• Availability may be affected by your mobile carrier’s coveragearea, and your mobile carrier may charge you message and data
rates, or other fees.
• Some (but not all) digital wallets require your Mobile Device
to be NFC (Near Field Communication) enabled and to havethe separate wallet app available.
• Your debit Card information is sent across wireless andcomputer networks.

If you are enrolled in Overdraft Protection and/or Debit
Card Overdraft Service, those terms will apply to debit Cardtransactions made through a Mobile Device. For additional
information, please see the section titled “Creating an
Overdraft Using Your Card.”• Information about your Mobile Device may be transmitted
to us.
• You should secure the Mobile Device the same as you
would your cash, checks, credit cards, and other valuable
information. We encourage you to password protect or lockyour Mobile Device to help prevent an unauthorized personfrom using it.

We may, at any time, partially or fully restrict your ability tomake debit Card transactions through a Mobile Device. We
may also modify or terminate a debit Card’s eligibility to be
added to a Mobile Device, as well as our participation with any
third-party digital wallet operator. If you want to remove your
Digital Card Number from your Mobile Device, please contact
us. See “Contact Us” section.

• Please notify us promptly if your Mobile Device containing your
Digital Card Number is lost or stolen. See “Contact Us” section.
• When you make a purchase or payment using your Mobile
Device, the merchant may not provide an option for
cashback.

UNDERSTANDING AUTHORIZATION HOLDS FOR CARD
TRANSACTIONS• Some Wells Fargo ATMs within secure locations may require aphysical Card for entry.

For all Card purchase transactions, we may place a temporary
hold on some or all of the funds in the Account linked to yourCard when we obtain an authorization request. We refer tothis temporary hold as an “Authorization Hold.” The funds
subject to the Authorization Hold will be subtracted fromyour Available Balance.
We generally release the Authorization Hold within 3
business days from the time of authorization or until thetransaction is paid from your Account. Note, however thatthe hold can be longer for certain types of transactions,
including up to 30 business days for car rental, hotel, cash
disbursements, and international Card transactions.
If the merchant does not submit the transaction for payment
within the time allowed, we will release the Authorization
Hold. This means your Available Balance will increase until thetransaction is submitted for payment by the merchant andposted to your Account. If this happens, we must honor theprior authorization, and we will pay the transaction from yourAccount. In some situations, the amount of the hold may
differ from the actual transaction amount since the merchant• You can access Wells Fargo ATMs by holding your Mobile
Device close to the Contactless Symbol.
• When you access a Wells Fargo ATM with your Mobile
Device and Card PIN, you can perform only one monetarytransaction per visit, such as a cash withdrawal or funds
transfer.
• If you are accessing a Wells Fargo ATM in Assisted-Service
mode using your Mobile Device, your Card’s daily ATM
withdrawal limit will apply and you will not be able to accessaccounts that are not linked to your Card.
• We may automatically provide third-party digital wallet
operators with updated Digital Card Number information,such as when your Card is replaced or re-issued.
• In certain circumstances (such as when you set up recurring
payments to a subscription service), another unique
identifier may be generated from your Digital Card Number
to be used for Card transactions.

5may not know the total amount you will spend. For example,
a restaurant submits the authorization request for your meal
before you add a tip.
Note: You might end up overdrawing the Account eventhough the Available Balance appears to show there aresufficient funds to cover your transaction. For example, if amerchant does not submit a one-time debit Card transaction
for payment within 3 business days of authorization (orfor up to 30 business days at the bank’s discretion forcertain types of debit Card transactions), we will release
the Authorization Hold on the transaction even though wewill have to honor the transaction. The transaction will be
paid from the funds in the Account when we receive it for
payment.
You should record and track all of your transactions closely toconfirm that your Available Balance accurately reflects youruse of funds from your Account.

and/or expiration date to ensure your payments continue
uninterrupted. If you have a Card on file with a merchant
and want to cancel the relationship, be sure to cancel the
relationship with the merchant directly.
HELPING PROTECT YOUR CARD
Zero Liability protection
Your Card comes with Wells Fargo’s Zero Liability protection.
With Zero Liability protection, you’ll have no liability for Cardtransactions that you did not make or authorize, subject tocertain conditions and so long as those transactions occurred
before the end of the 60-day period described hereafter.
If your Account statement shows Card transactions thatyou did not make or authorize, tell us at once. If you do notnotify us within 60 days after the statement was mailed or
was otherwise made available to you, you will be liable forany additional unauthorized Card transactions that occurred
after the 60-day period and before you provided notice to us(if we could have stopped those Card transactions had you
promptly notified us). This will apply even to unauthorized
Card transactions that occur shortly before you notify us. If
a good reason (such as a long trip or hospital stay) kept you
from telling us, we will extend the time period.
Zero Liability protection does not apply if we determine,based on substantial evidence, that you were fraudulent
or negligent in the handling of your Card or Account, or if
your Card transaction does not meet our definition of an“unauthorized electronic fund transfer,” which is an electronic
fund transfer from your Account that is initiated by a person
other than you without actual authority to initiate thetransfer and from which you receive no benefit.
The following are not considered to be unauthorizedtransactions under Zero Liability protection, which means
you are liable for any transaction:• By a Cardholder or person authorized by a Cardholder, orother person with an interest in or authority to transact
business on the Account;• By a person you have authorized to use your Card, even ifthat person has exceeded the authority you gave;• A merchant has processed in error, or you are unhappy
with goods or services you purchased. In these cases, firstcontact the merchant to resolve the situation;• That resulted from inadequate internal controls in yourorganization.
Moreover, if you do not notify us about an unauthorized Cardtransaction within 60 days from the time your statement
was made available to you, Zero Liability protection does not
apply.

CREATING AN OVERDRAFT USING YOUR CARD
An overdraft occurs when you do not have enough available
money in your Account to cover a transaction but we pay
it anyway. For preauthorized recurring payments using adebit Card, we may, at our discretion (1) authorize and pay
the transaction into overdraft, or (2) decline the transaction.
ATM and everyday (one-time) debit Card transactions may
also be authorized into overdraft at our discretion if yourAccount is enrolled in Debit Card Overdraft Service (BusinessAccounts are automatically enrolled in this service at Accountopening, but it may be removed at any time). Overdraft fees
may apply to transactions paid into overdraft. If your Accountis overdrawn, you must promptly add money to return yourAccount to a positive balance. For more information about
overdrafts and associated fees, please refer to your Deposit
Account Agreement, Business Account Fee and Information
Schedule, or other applicable account agreement.
HANDLING PREAUTHORIZED PAYMENTS• One-time purchases: Stop payments cannot be requested on
one-time purchases made using a Card that is primarily linked
to a business or commercial Account.
• Recurring debits: If a Cardholder has told a merchant orother billing entity in advance to make recurring debits totheir business debit Card, the Cardholder can stop any ofthese debits by contacting the merchant or other billing
entity directly to cancel or discontinue any scheduled orrecurring bill payment. Some merchants require an advancenotice to discontinue scheduled or recurring payments, so werecommend a Cardholder allow sufficient advance time forany changes to their payment service.

CARD AND ATM SAFETY TIPS (also apply to business deposit card)

CARD ON FILE WITH MERCHANTS
If you give your debit Card number to a merchant withauthorization to bill it for recurring payments, or to keep it
on file for future purchases or payments, the merchant may
receive updated Card information to process such payments,for example, if the merchant participates in the Visa AccountUpdater Service or a similar service. However, since not all
merchants receive updated Card information, we recommend
you notify each merchant of your new debit Card number
6

Card safety• Always protect your Card and keep it in a safe place, just likeyou would cash, credit cards, or checks. If your Card is lost or
stolen, contact us immediately.
• Avoid using numbers for your PIN that are easily identified(such as birth date, phone number, or address). Note: Most
ATMs outside of the U.S. require a four-digit numeric PIN.
• Memorize your PIN, and do not write it down or give it toanyone.

• Change your PIN every six months. If you have forgotten
your PIN or want a new one, visit your nearest Wells Fargo
location.
• Review your account statements and report fraudulent
transactions to us immediately.
• Make sure your internet transactions are secure, and log off
from a website after you make a purchase.
• Avoid providing your Card information or PIN over thephone or internet unless to a trusted merchant in a call ortransaction that you initiated.
• Before using a merchant terminal or ATM, inspect itfor possible skimming devices or the presence of anunauthorized attachment.

CONTACT US

ATM safety• Be sure no one sees you enter your PIN.
• Be aware of your surroundings, especially at night, and be
cautious when withdrawing cash. Avoid showing or counting
cash at the ATM. Put it away immediately and count it when
you are in a secure location such as your car or home.
• When using an ATM with a door that requires card access,close the entry door completely and do not open the door
to anyone you don’t know.
• The activity around Wells Fargo ATM facilities may berecorded by surveillance cameras. If you notice anythingsuspicious do not use the ATM, and, if you’re in the middle
of a transaction, cancel it, leave immediately and visit
another ATM.
• If you must use the ATM at night, take someone with you.
• Keep safe or securely get rid of your ATM receipts.
• When using a drive-up ATM, keep your car running, doors
locked, and passenger windows up.
• Report all crimes immediately to the operator of the ATMor local law enforcement and call 911 if you need emergency
assistance. For complaints about security at Wells Fargo
ATMs, contact us at the phone number or address listed in
the “Contact Us” section, and:- In New York call: NY Department of Financial Services
1-877-226-5697.
- In New Jersey call: NJ Department of Banking609-292-7272.

Terms and Conditions effective 7/23/2024.
© 2024 Wells Fargo Bank, N.A. Member FDIC.

7

By phone

1-800-CALL-WELLS (1-800-225-5935)

People withhearing
impairments

We accept all relay calls, including 711.

In writing

Wells Fargo, Customer Correspondence
PO Box 6995
Portland, OR 97228-6995