Selected Terms and Conditions for Wells Fargo Consumer
Debit and ATM Cards
Terms and Conditions effective 7/23/2024.

• “Business day” is any day except Saturday, Sunday, and federal
holidays.
• “Card” includes every type of consumer, Premier or Private
Bank debit Card and consumer ATM Card that we may issue toyou.

Introduction

page 1

Using Your Card

page 2Using Your Card Through a Mobile Device

page 4

Understanding Authorization Holds for Card
Transactions

page 5Creating an Overdraft Using Your Card

page 5

Handling Preauthorized Payments

page 5• “Overdraft” is an available balance of less than $0.00 in yourAccount.

Other Considerations

page 6• “PIN” refers to your personal identification number.

Card on File with Merchants

page 6• “You” and “your” refer to the owner and, if applicable, eachco-owner of an Account.

Helping Protect Your Card

page 6

Card and ATM Safety Tips

page 7

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.

Contact Us

page 7• “Mobile Device” means a smartphone, tablet, computer or
any hand held or wearable communication device and any
third-party application within a device that allows you toelectronically 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.

• “We,” “us,” “our,” and “Bank” refer to Wells Fargo Bank, N.A.

Disclosing your information
Generally, we will not disclose information about your Account,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 federal banking
authorities.
• If we need to disclose information to complete a transaction.
• To verify the existence and condition of your Account for a third
party, such as a merchant or credit bureau.
• To provide information to the legal representative or successorof a deceased co-owner for the period during which thedeceased 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 unaffiliated third
parties in accordance with our Privacy Notice.

INTRODUCTION
This brochure describes your rights and responsibilities for yourdebit or ATM Card, and adds information to our• Deposit Account Agreement,• Consumer 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 yourAccount.
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 checking and/or savings account(s)accessible using your Card.
1

USING YOUR CARD

Debit ATM
Card Card

Actions

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

At other locations to withdraw money using
your physical Card

TABLE 1
Actions

At non-Wells Fargo ATMs5

Debit ATM
Card Card

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

3

Pay bills directly to merchants or otherproviders with your Card, or through a
Mobile Device at merchants who accept
mobile payments
Request cash back when making a purchasewith your PIN at merchants who offer thisserviceThrough a Mobile Device at merchants who
accept mobile payments
Choose whether and how you receive a
receipt at the time you use your Card at
a merchant terminal
At all Wells Fargo ATMs
View your Account balances
Withdraw cash
Transfer funds between your Accounts

3

At most Wells Fargo ATMs2
Make deposits to your Accounts (up to any
deposit limits that may apply)
Transfer funds from your eligible
Wells Fargo credit accounts to yourAccounts3
Make payments to your eligible Wells Fargo
credit accounts
Get a statement of your account balancesor last 10 transactions4
Choose how you want to receive your ATM
receipt: printed, emailed to the address on
file or to your Wells Fargo Online® secureinbox, or texted to your mobile phone
number on file (availability may be affectedby your mobile carrier’s coverage area, andyour mobile carrier’s message and data
rates may apply)
Use your Mobile Device to access Wells Fargo
ATMs by tapping it near the Contactless
Symbol (see “Using Your Card Through a
Mobile Device” for more details)

3

3
3
3

3

3

3

3

3

3

3

3

3

3

Withdraw cash (fees may apply)

3

3

Transfer funds between your Accounts(fees may apply)33

Wells Fargo bank locations (fees may apply)

3

3

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

3

3

3

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. 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.
3. Cash advance and ATM advance fees may apply. Refer to the applicable credit
card account agreement or line of credit account agreement for more details.
4. Statements at ATMs should not be used in place of your Account statement
for balancing or verifying the actual Account balance.
5. Non-Wells Fargo ATMs are ATMs that are not owned or operated by
Wells Fargo or are not prominently branded with the Wells Fargo name andlogo. 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 of choosing
which Account to access or may only let you access one of your Accounts. 2)
Some transactions may not be available at all ATMs, may be different fromthose available at Wells Fargo ATMs, or may be limited to any withdrawal
limit(s) set by the non-Wells Fargo ATM.
6. 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.

3

3
3
3

3

Receive transfers, such as those throughcard networks or funds transfer systems6

3

3

3

Via electronic credit transfers

313View your Account balance (fees may apply)

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 to theapplicable Wells Fargo Fee and Information Schedule for yourAccount.
TABLE 2
Non-Wells Fargo ATM fees
Cash withdrawal transaction
Non-Wells Fargo bank cash
disbursement fees for using a debit
Card to withdraw cash from a teller

3International purchasetransaction fee8
2

U.S.7

International

$3

$5
3% of
transaction
amount3% oftransaction
amount$3

accounts. 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 account is a savings
account and there are no other eligible checking accounts to belinked as primary checking, your debit Card will be closed and you
can request an ATM Card. You may link a new primary accountof a different type (consumer, business, individual brokerage,
or commercial brokerage), than the previous primary linked
account. Depending on the new primary linked account, you may
be issued a new card type. We will determine the number andtype of accounts you can link to your Card.

7. 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.
8. 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 youa fee. Their fee is included in the total amount withdrawn fromyour Account and will apply to your Card’s daily ATM withdrawal
limit. We may reimburse that fee, in whole or in part, if allowed by
the terms of your Account.
Merchant and third party fees
Some merchants may assess a fee when you use your Card fora purchase or for cash back. This fee will be included in the totalpurchase amount and will apply to your Card’s daily purchaselimit. You may also be charged a fee by other banks and financial
institutions for cash disbursements at their branches. That fee
may be added to your total disbursement and will apply to yourCard’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 line ofcredit account (linked credit account) to your debit/ATM Card,
you may use the Card to access the linked credit account at mostWells Fargo ATMs.

ATM and merchant terminal malfunctions
We are not responsible for damages resulting from an ATM
or merchant terminal malfunction, except to the extent thatmalfunction results in an error (see page 6 for Regulation E
provisions).

You can use the Card to obtain cash or transfer funds from thelinked credit account, as long as the linked credit account is ingood standing and has available credit. Cash withdrawals andtransfers of funds from your linked credit account are treatedas cash advances. Each of these transactions is subject to theprovisions of the applicable credit card account agreement orline of credit account agreement, including daily limits and cash
advance fees.

Wells Fargo ATMs in Assisted-Service mode
Some Wells Fargo ATMs in branches can operate in “AssistedService 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, and you may be able to access and perform
transactions on some of your consumer deposit accounts thatare not linked to your Card.

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 yourcredit card account statement. However, you must write to us topreserve your billing rights. Please consult your applicable credit
account agreement for complete information on the terms andconditions applicable to your linked credit account, including
the rules related to cash advances from, and payments to, yourlinked credit accounts.

Note: If you are accessing a Wells Fargo ATM in Assisted-Service
mode using a Mobile Device, see “Using Your Card Through a
Mobile Device” for more details.
Linking accounts for Card access and designating a primaryaccount
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 Card at
Wells Fargo ATMs. At most Wells Fargo ATMs, you have accessto Accounts linked to your Card.

Daily limits and funds available for using your Card
You may use your Card subject to 1) your daily purchase limit anddaily ATM withdrawal limit, and 2) your Available Balance in yourAccount. 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 or Card
number to fund a digital wallet, brokerage, or other type ofaccount, these Account Funding Transactions (AFTs) willcount against your Card’s daily purchase limit (AFTs may also
be limited by the applicable card network).

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 your Card is deducted from the primary linked
account. The money for purchases made with your ATM Cardis deducted from the primary checking account; if no checking
account is linked, it is deducted from the primary savings
account. Cash withdrawals using a Card at a participating nonWells Fargo ATM may be deducted from the primary checking
or savings account. Note: Not all ATM operators support
display of more than one type of account.

- If your daily purchase limit is more than $99,999, you may
ask that the merchant process multiple transactions tocomplete 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, less any
fees charged by the non-Wells Fargo ATM operator or third
party, if applicable.

If you link more than one account of a single type to theCard, you may designate a primary linked account and other3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 fund any accountthat is set up to facilitate internet gambling, except certain
government (or state) owned lotteries and certain governmentlicensed online casinos and horse/dog racing. In our discretion,
we may allow or deny transactions or authorizations frommerchants who are apparently engaged in or who are identified
as engaged in the internet gambling business.

• When you use a Wells Fargo ATM in Assisted-Service mode,
your Card’s daily ATM withdrawal limit may not apply.
• The limits for your Card: We provide you your daily ATM
withdrawal and purchase limits when you receive your Card. 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 make using your Card, including
the geographic location of the ATM or merchant.

Ending your Card use
Your Card is our property. We may cancel or suspend your Cardor Card banking access at any time without notice to you (forexample, if you fail to activate your Card). We may decide notto issue a Card to you or replace your Card (for example, if theCard has not been used for a prolonged period of time). You
may cancel your Card at any time by calling the number on theback of your Card. If the Card is canceled, you must pay for any
Card transactions made before the Card is canceled, and you will
immediately destroy the Card after it is canceled.

• 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.
• Available Balance: Your “Available Balance” is the most current
record we have about funds that are available for withdrawal
from Accounts accessible using your Card. You may use yourCard as often as you want each day as long you stay withinyour daily ATM withdrawal limit and daily purchase limit, andyou have sufficient Available Balance in any of your Accounts
used for withdrawal. If using your Card to perform an ATM
transaction or purchase would create an Overdraft on the
Account, we may take actions described in the section of thisbrochure titled “Creating an Overdraft Using Your Card.”

You can monitor your Card transactions:• Keep track of your transactions with online or mobile banking.
• Get card activity alerts delivered by email, push notification,or text. Sign-up may be required. Availability may be affectedby your mobile carrier’s coverage area. Your mobile carrier’s
message and data rates may apply.
• Review your account statements regularly to verify
transactions.

Note: Your current Available Balance may not yet reflect all of
the transactions you have made, including but not limited to a
Card purchase that the merchant has not yet transmitted tous, or a check you wrote that has not been cashed by the payee.
For more information about how your Available Balance iscalculated, please refer to your Deposit Account Agreement.

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 Cardwith 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 tobe NFC (Near Field Communication) enabled and to have theseparate wallet app available.
• Your debit Card information is sent across wireless andcomputer networks.
• 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 lock your Mobile
Device to help prevent an unauthorized person from using it.
• 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.
• Some Wells Fargo ATMs within secure locations may require aphysical Card for entry.
• 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 monetary transaction
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• Authorizations: When we approve a transaction or purchase,
we call that an “authorization.” We may limit the number ofauthorizations we allow during a period of time (e.g., if wenotice 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 thepayment that has been refused. We will not be responsible for
failing to give an authorization.
•Partial authorization for Card transactions: If a Card purchaseamount exceeds the current Available Balance in the primary
linked checking or savings Account when you are making apurchase, you may be able to use your Available 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 thefull amount of the purchase with the available funds in yourchecking account, account(s) linked for Overdraft Protection,
and, if enrolled, using Debit Card Overdraft Service. If we do
not approve the full amount of the purchase, we may approvea portion of the purchase using the remaining available funds
in your checking account. This is called a “partial authorization.”
The remaining amount of the purchase total would need to becovered by another form of payment, such as cash or anothercard. If you are unable/unwilling to provide an additional
form of payment, the partial authorization will be reversedby the merchant. Not all merchants are able to accept partial
authorizations or process transactions using multiple forms of
payment.
4

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, suchas 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.
When you use your debit Card with your Mobile Device fortransactions, 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, and 2) receive information about
your Mobile Device. The third-party digital wallet operator may
use this information to display it to you or for its own purposes
according to the terms, conditions, and other agreements thatthe digital wallet operator may require you to accept. Pleaserefer to the third-party digital wallet operator’s privacy policy
and terms and conditions for more detail about how the digitalwallet operator will use and retain your information, as well as
to review 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.
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.”
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 thirdparty digital wallet operator. If you want to remove your Digital
Card Number from your Mobile Device, please contact us. See“Contact Us” section.

happens, we must honor the prior authorization, and we will
pay the transaction from your Account. In some situations,the amount of the hold may differ from the actual transaction
amount since the merchant 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 even though
the Available Balance appears to show there are sufficient funds
to cover your transaction. For example, if a merchant does not
submit a one-time debit Card transaction for payment within
3 business days of authorization (or for up to 30 businessdays at the bank’s discretion for certain types of debit Cardtransactions), we will release the Authorization Hold on thetransaction even though we will 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 your use
of funds from your Account.
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 a debit
Card, we may, at our discretion (1) authorize and pay thetransaction into overdraft, or (2) decline the transaction. We
will not authorize ATM and everyday (one-time) debit Cardtransactions into overdraft unless you are enrolled in our
optional Debit Card Overdraft Service. Overdraft fees may apply
to transactions paid into overdraft. If your Account is overdrawn,
you must promptly add money to return your Account toa positive balance. For more information about overdrafts
and associated fees, please refer to your Deposit AccountAgreement, Consumer Account Fee and Information Schedule,or other applicable account agreement.
HANDLING PREAUTHORIZED PAYMENTS• Right to stop payment: If you have told us in advance tomake regular (recurring) payments out of your Account, you
can stop any of these payments. Call or write to us in time
for us to receive your request 3 business days or more before
the payment is scheduled. Call us at 1-800-869-3557 (forPrivate Bank Debit Card call 1-877-646-8560), or write to
us at Wells Fargo, Customer Correspondence, PO Box 6995,
Portland, OR 97228- 6995. If you call, we also may require
you to put your request in writing and get it to us within 14
days after you call. There is no fee to stop a regular (recurring)
payment using a debit Card. Note: We cannot stop payment
on a purchase transaction unless it is a preauthorized
electronic fund transfer.
• Notice of varying amounts: If the amount of these regular(recurring) payments varies, the person you are going to pay
should tell you 10 days before each payment, when it will bemade and how much it will be. (The party you are going to
pay may allow you to choose to get this notice only when thepayment would differ by more than a certain amount fromthe previous payment, or when the amount would fall outsidecertain limits that you set.)• Liability for failure to stop payment: If you order us to stop
one of these payments 3 business days or more before the

UNDERSTANDING AUTHORIZATION HOLDS FOR CARD
TRANSACTIONS
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 to this
temporary hold as an “Authorization Hold.” The funds subject to
the Authorization Hold will be subtracted from your Available
Balance.
We generally release the Authorization Hold within 3 businessdays from the time of authorization or until the transaction
is paid from your Account. Note, however that the hold canbe 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 the transaction is submitted for
payment by the merchant and posted to your Account. If this5

you from telling us, we will extend the time periods.

transfer is scheduled, and we do not do so, we will pay foryour losses or damages.

Contact in the event of an unauthorized electronic fundtransfer
If you believe your Card, Card number, or PIN, has been lost or
stolen, call us at 1-800-869-3557 (for Private Bank Debit Cardcall 1-877-646-8560), or write to us at Wells Fargo, Customer
Correspondence, PO Box 6995, Portland, OR 97228-6995.

OTHER CONSIDERATIONS• Account inquiry: You have the right to contact us to find out
whether an electronic transfer has been credited or debitedto your Account. Call Wells Fargo Bank at 1-800-869-3557, or
write to us at Wells Fargo, Customer Correspondence, PO Box
6995, Portland, OR 97228-6995.

Zero Liability protection
Your Card comes with Wells Fargo’s Zero Liability protection,
which provides you with more liability protection than what
Regulation E requires for consumer Cards (see “Liability for
unauthorized electronic fund transfers according to RegulationE” above).

• Receipts: You can get a receipt at the time you make anytransfer to or from your Account using one of our ATMs orwhen you use your Card at a merchant terminal.
CARD ON FILE WITH MERCHANTSWith 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 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
and/or expiration date to ensure your payments continue
uninterrupted. If you have a Card on file with a merchant andwant to cancel the relationship, be sure to cancel the relationshipwith the merchant directly.
HELPING PROTECT YOUR CARD

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.

Liability for unauthorized electronic fund transfers according
to Regulation E
Tell us AT ONCE if you believe your Card, Card number, PIN, orother access device has been lost or stolen, or if you believethat an electronic fund transfer has been made without yourpermission using information from your check. Telephoning is
the best way of keeping your possible losses down. You could
lose all the money in your Account (plus funds in any line ofcredit, savings account, or credit card linked to your accountor as part of an Overdraft Protection plan). If you tell us within
2 business days after you learn of the loss or theft of yourCard, Card number, PIN, or other access device, you can lose no
more than $50 if someone used your credentials without yourpermission (however, see “Zero Liability protection” below).

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 yourCard transaction does not meet Regulation E’s 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 the transfer
and from which you receive no benefit. Moreover, if you do notnotify us about an unauthorized Card transaction within 60
days from the time your statement was made available to you,
Zero Liability protection does not apply; note, however, that
this does not impact your rights under Regulation E if there isan unauthorized electronic fund transfer from your consumer
account.

If you do NOT tell us within 2 business days after you learnof the loss or theft of your Card, Card number, PIN, or otheraccess device, and we can prove we could have stopped
someone from using your credentials without your permission
if you had told us, you could lose up to $500 (however, see“Zero Liability protection” section).

In case of errors or questions about your electronic fundtransfers
Telephone us or write to us (information listed in the “Contact
Us” section on page 7) as soon as you can, if you think yourstatement or receipt is wrong or if you need more information
about a transfer listed on your statement or receipt. We
must hear from you no later than 60 days after we mailed
or otherwise made available to you the FIRST statement on
which the problem or error appeared. You should take thefollowing actions: 1) Tell us your name, Account number, andthe dollar amount of the suspected error, and 2) describe theerror or transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need more
information.

Also, if your Account statement shows transfers that you did
not make or authorize, including those made by your Card, PIN,
or other means, tell us at once. If you do not notify us within
60 days after the statement was mailed or was otherwise
made available to you, you will be liable for any additional
unauthorized electronic fund transfers that occurred after
the 60-day period and before you provided notice to us (if we
can prove we could have stopped those transactions had you
promptly notified us). This will apply even to unauthorized
electronic fund transfers that occur shortly before you notify
us. If a good reason (such as a long trip or hospital stay) kept

If you notify us in person or by phone, we may require thatyou send your complaint or question in writing within 10
business days.
6

Investigations
We will determine whether an error occurred within 10
business days after we hear from you and will correct any error
promptly. If we need more time, however, we may take up to
45 days to investigate your complaint or question. If we decide
to do this, we will credit your Account within 10 business days
for the amount you think is in error, so that you will have theuse of the money during the time it takes us to complete ourinvestigation. If we ask you to put your complaint or questionin writing and we do not receive it within 10 business days, we
may not credit your Account.

• Change your PIN every six months. If you have forgotten yourPIN 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 the phoneor internet unless to a trusted merchant in a call or transactionthat you initiated.
• Before using a merchant terminal or ATM, inspect it forpossible skimming devices or the presence of an unauthorizedattachment.
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, closethe entry door completely and do not open the door to anyone
you don’t know.
• The activity around Wells Fargo ATM facilities may be recordedby surveillance cameras. If you notice anything suspicious 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 Banking 609-292-7272.

For errors involving new Accounts, purchase transactions, or
foreign-initiated transactions, we may take up to 90 days toinvestigate your complaint or question. For new Accounts, we
may take up to 20 business days to credit your Account for theamount you think is in error.
We will tell you the results within 3 business days after
completing our investigation. If we decide that there was noerror, or an error occurred that is different from the one you
described, we will send you a written explanation. You may ask
for copies of the documents that we used in our investigation.
Our liability for failure to complete an electronic fund transfer
If we do not complete a transfer to or from your Account ontime or in the correct amount, according to our agreement withyou, we will be liable for your losses or damages. However, there
are some exceptions. For instance, we will NOT be liable if:• Through no fault of ours, you do not have enough money inyour Account to make the transfer.
• The transfer would go over the credit limit on a credit accountlinked for Overdraft Protection.
• The ATM where you are making the transfer does not haveenough cash.
• The terminal or system was not working properly and you knew
about the breakdown when you started the transfer.
• Circumstances beyond our control (such as fire, flood, or power
failure) prevent the transfer, despite reasonable precautions wehave taken.
• There may be other exceptions stated in your Accountdocuments.

CONTACT US

Periodic statements
In general, you will get a monthly Account statement. If there areno electronic fund transfers or payments in a particular month,
you will get the statement at least quarterly.
CARD AND ATM SAFETY TIPS
Card safety• Always protect your Card and keep it in a safe place, just like you
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.
Terms and Conditions effective 7/23/2024.
© 2024 Wells Fargo Bank, N.A. Member FDIC.

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By phone

1-800-TO-WELLS (1-800-869-3557)
For Private Bank Debit Card
1-877-646-8560

People withhearing
impairments

We accept all relay calls, including 711.

In writing

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