Selected Terms and Conditions for Wells Fargo Campus
Debit and ATM 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

Other Considerations

page 6

Card on File with Merchants

page 6

Helping Protect Your Card

page 6

Card and ATM Safety Tips

page 8

Contact Us

page 8

staff of colleges and universities that participate in the
Wells Fargo Campus Card program (“Schools”). Campus
Debit Cards can be identified by the Visa® logo on the frontof the Card; Campus ATM Cards do not include a Visa logo.
Wells Fargo Campus Cards are available two ways:
1) Wells Fargo issued Cards and 2) School issued Cards.
Your School determines which program you participate in.
Upon request, a Wells Fargo issued Card is produced andmailed by Wells Fargo to currently enrolled students,
and currently employed faculty members or staff. A
Card may be requested by bringing a valid School ID
to a Wells Fargo branch located in the same state as
the college or university. A Wells Fargo issued Card
may also be requested via Wells Fargo Online® or theWells Fargo Mobile® app. It must be linked to an eligible
new or existing deposit account to be used for purchases
and ATM transactions and expires 5 years from the dateit was issued. You may visit a Wells Fargo branch, online
banking or the mobile app to request another Campus
Debit Card if you remain eligible based on current
enrollment or employment at a participating college oruniversity. At that time, we will reissue you a standard
Wells Fargo Debit Card.
A School issued Card is produced by the School and given
directly to currently enrolled students, and currently
employed faculty members or staff, by the School. It canbe linked to an eligible new or existing deposit account at a
branch, in online banking or the mobile app, to be used forpurchases and ATM transactions.
School issued Campus ATM Cards can be linked to aneligible deposit account at any time for up to 5 years fromthe date it was issued. At 5 years, the Card expires andcan no longer be linked to a deposit account or used forpurchases or ATM transactions. After the Card expires,you can contact Wells Fargo and request a standard
Wells Fargo Debit or ATM Card to use for purchases and
ATM transactions. Or, you can request another Campus
ATM Card from the school if you remain eligible basedon current enrollment or employment at a participatingcollege or university, and then visit a Wells Fargo branch,sign on to Wells Fargo Online or the Wells Fargo Mobile®
app to link your Campus ATM Card to your eligible deposit
account.

INTRODUCTION
This brochure describes your rights and responsibilities foryour debit 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
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.

Defining words in this brochure• “Account” refers to the checking and/or savings account(s)accessible using your Card.

Para obtener una copia de estos Términos y Condiciones en
español, visite wellsfargo.com/terminostarjetadebito.
Wells Fargo Campus CardSM Programs Campus Debit andCampus ATM Cards are available for students, faculty and• “Business day” is any day except Saturday, Sunday, andfederal holidays.
1• “Card” includes every type of Campus ATM and Campus
Debit Card that we may issue to you, except prepaid debit
cards, or other cards that your School may issue to you.

TABLE 1• “Mobile Device” means a smartphone, tablet, computeror 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.

To purchase or pay

Debit
Card

ATM
Card

At merchants who accept payments
through a network in which we participate(e.g., Visa and MasterCard®)✓✓1

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 apurchase with your 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 the time you use your Card at amerchant terminal✓✓

View your Account balances✓✓

Withdraw cash

✓

✓

✓

✓

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®
secure inbox, or texted to your mobile
phone number on file (availability may beaffected by your mobile carrier’s coveragearea, and your mobile carrier’s message
and data rates may apply)✓✓

Use your Mobile Device to accessWells Fargo ATMs by tapping it near theContactless Symbol (see “Using Your Card
Through a Mobile Device” for more details)✓

Actions• “Overdraft” is an available balance of less than $0.00 in yourAccount.
• “PIN” refers to your personal identification number.
• “We,” “us,” “our,” and “Bank” refer to Wells Fargo Bank, N.A.
• “You” and “your” refer to the owner and, if applicable, eachco-owner of an 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.

✓At all Wells Fargo ATMs

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 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.

Transfer funds between your Accounts
At most Wells Fargo ATMs

2

USING YOUR CARD

At non-Wells Fargo ATMs5

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.

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 Visabranded cards when a teller helps you withyour transaction (fees may apply)✓✓

At other locations to withdraw money
using your physical Card

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.

2

DebitCard

Actions

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.

ATM
Card

Via electronic credit transfers
Receive transfers, such as those throughcard networks or funds transfer systems6✓

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).
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 andperform transactions on some of your consumer deposit
accounts that are not linked to your Card.
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.

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 applicablecredit card account agreement or line of credit account agreement for
more details.
4. Statements at ATMs should not be used in place of your Accountstatement 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 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.
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.

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.
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 yourATM Card is deducted from the primary checking account;
if no checking account is linked, it is deducted from theprimary savings account. Cash withdrawals using a Card at aparticipating 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.
If you link more than one account of a single type to theCard, you may designate a primary linked account andother accounts. If you do not designate a primary linked
account, the first account of that type linked to your Cardis considered the primary 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 accounttype (if applicable) as the new primary account. If the only
other linked account is a savings account and there are noother eligible checking accounts to be linked as primary
checking, your debit Card will be closed and you can request
an ATM Card. For Campus Debit Cards with school accessfunctionality, your banking access will be closed but yourCard can still be used for school access functionality. You may
link a new primary account of a different type (consumer,
business, individual brokerage, or commercial brokerage),than the previous primary linked account. Depending on theFees 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 foryour Account.
TABLE 2
U.S.7 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 fee8

3% oftransaction
amount7. 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
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 in3new primary linked account, you may be issued a new card
type. We will determine the number and type of accounts you
can link to your Card.

If this is a replacement Card, your existing Card limits apply.
You can confirm your Card’s daily limits by signing on toWells 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 theamount, number, or type of transactions you can make using
your Card, including the geographic location of the ATM or
merchant.

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 eligibleline of credit account (linked credit account) to your debit/
ATM Card, you may use the Card to access the linked credit
account at most Wells Fargo ATMs.

• 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.

You can use the Card to obtain cash or transfer funds fromthe linked credit account, as long as the linked credit accountis in good standing and has available credit. Cash withdrawals
and transfers of funds from your linked credit account aretreated as cash advances. Each of these transactions issubject to the provisions of the applicable credit card accountagreement or line of credit account agreement, including
daily limits and cash advance fees.

• 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 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 yourbill, write to us or call us at the address or telephone number
listed on your credit card account statement. However, youmust write to us to preserve your billing rights. Please consult
your applicable credit account agreement for complete
information on the terms and conditions applicable to yourlinked credit account, including the rules related to cash
advances from, and payments to, your linked credit accounts.

Note: Your current Available Balance may not yet reflect all of
the transactions you have made, including but not limited toa 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 Balanceis calculated, please refer to your Deposit Account Agreement.

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:• Authorizations: When we approve a transaction or purchase,
we call that an “authorization.” We may limit the numberof authorizations we allow during a period of time (e.g., if
we notice out-of-pattern use of your Card, or suspectedfraudulent or unlawful activity). For security reasons, wecannot 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 been refused. We will
not be responsible for failing to give an authorization.

• 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).

• 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,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 approve a portionof the purchase using the remaining available funds in yourchecking account. This is called a “partial authorization.”
The remaining amount of the purchase total would need
to be covered by another form of payment, such as cash
or another card. If you are unable/unwilling to provide an
additional form of payment, the partial authorization will
be reversed by the merchant. Not all merchants are able toaccept partial authorizations or process transactions using
multiple forms of payment.

- 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.
• The limits for your Card: For a new Campus Debit Card, we
provide you your daily ATM withdrawal and purchase limits
when you receive your Card. For a new Campus ATM Card,
your daily limits are provided when you first link your Card
to a new or existing eligible deposit account, unless you
request and/or are provided other limits at the time you
link your Campus ATM Card to an eligible deposit account.
4

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.

• 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 requirea physical 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 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.
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 Cardtransaction, 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 agreementsthat the digital wallet operator may require you to accept.
Please refer to the third-party digital wallet operator’s
privacy policy and terms and conditions for more detailabout how the digital wallet operator will use and retain yourinformation, 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 ofCard transactions made through your Mobile Device, youunderstand that the third-party transaction history does notreflect complete information about your Card transactions.

Ending your Card use
Wells Fargo issued Campus Cards are our property. We may
cancel or suspend your Card or Card banking access at any
time without notice to you (for example, if you fail to activate
your Card). We may decide not to issue a Card to you or
replace your Card (for example, if the Card has not been used
for a prolonged period of time). You may cancel your Card at
any time by calling the number on the back 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.
School issued Campus Cards are the property of the School.
We may cancel or suspend your card banking access at any
time without notice to you. You may cancel your banking
access at any time by calling the number on the back of yourcard. If the Card is canceled, you will immediately destroy theCard. If your banking access is canceled, you must pay for any
Card transactions made before the banking access is canceled.
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.
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
coverage area, 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.
• 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.
• Please notify us promptly if your Mobile Device containing
your Digital Card Number is lost or stolen. See “Contact Us”
section.

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 withany third-party digital wallet operator If you want to remove
your Digital Card Number from your Mobile Device, pleasecontact us. See “Contact Us” section.
UNDERSTANDING AUTHORIZATION HOLDS FOR CARD
TRANSACTIONS

5

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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 stopa regular (recurring) payment using a debit Card. Note: We
cannot stop payment on a purchase transaction unless it is apreauthorized 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 be made and how much it will be. (The party you aregoing to pay may allow you to choose to get this notice
only when the payment would differ by more than a certain
amount from the previous payment, or when the amountwould fall outside certain limits that you set.)

this 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 themerchant 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.

• Liability for failure to stop payment: If you order us to stop
one of these payments 3 business days or more before thetransfer is scheduled, and we do not do so, we will pay foryour losses or damages.

In some situations, the amount of the hold may differ fromthe actual transaction amount since the merchant may
not know the total amount you will spend. For example, arestaurant submits the authorization request for your meal
before you add a tip.

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.
• 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.

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 (or for up
to 30 business days at the bank’s discretion for certain typesof debit Card transactions), we will release the Authorization
Hold on the transaction 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.

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
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.

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 isoverdrawn, 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, Consumer Account Fee and Information
Schedule, or other applicable account agreement.

HELPING PROTECT YOUR CARD
Liability for unauthorized electronic fund transfers
according to Regulation E
Tell us AT ONCE if you believe your Card, Card number,
PIN, or other access device has been lost or stolen, or if
you believe that an electronic fund transfer has been madewithout your permission 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 (plusfunds in any line of credit, savings account, or credit card
linked to your account or as part of an Overdraft Protectionplan). If you tell us within 2 business days after you learn of
the loss or theft of your Card, Card number, PIN, or otheraccess device, you can lose no more than $50 if someone
used your credentials without your permission (however, see“Zero Liability protection” below).

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, or
write to us at Wells Fargo, Customer Correspondence,6

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

under Regulation E if there is an unauthorized electronic fundtransfer from your consumer account.
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 8) as soon as you can, if you
think your statement or receipt is wrong or if you needmore 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 the following actions: 1) Tell us your name,Account number, and the dollar amount of the suspected
error, and 2) describe the error or transfer you are unsure
about, and explain as clearly as you can why you believe it isan 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 yourCard, PIN, or other means, 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 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 thosetransactions 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 longtrip or hospital stay) kept you from telling us, we will extend
the time periods.

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

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, or write to us
at Wells Fargo, Customer Correspondence, PO Box 6995,
Portland, OR 97228-6995.

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 takeup 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 thatyou will have the use of the money during the time it takes
us to complete our investigation. If we ask you to put yourcomplaint or question in writing and we do not receive it
within 10 business days, we may not credit your Account.

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 toRegulation E” above).

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
the amount 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 no error, or an error occurred thatis different from the one you described, we will send you awritten explanation. You may ask for copies of the documentsthat we used in our investigation.

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.

Our liability for failure to complete an electronic fundtransferIf we do not complete a transfer to or from your Account ontime or in the correct amount, according to our agreementwith you, 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
account linked 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 reasonableprecautions we have taken.

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 definitionof an “unauthorized electronic fund transfer,” which is anelectronic fund transfer from your account that is initiatedby a person other than you without actual authority toinitiate the transfer and from which you receive no benefit.
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; note, however, that this does not impact your rights
7• There may be other exceptions stated in your Accountdocuments.

- In New York call: NY Department of Financial Services
1-877-226-5697.
- In New Jersey call: NJ Department of Banking609-292-7272.

Periodic statements
In general, you will get a monthly Account statement. If there
are no electronic fund transfers or payments in a particularmonth, you will get the statement at least quarterly.

CONTACT US

CARD AND ATM SAFETY TIPS

By phone

1-800-TO-WELLS(1-800-869-3557)

People withhearing
impairments

We accept all relay calls, including 711.

In writing

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

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.
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 ofa transaction, cancel it, leave immediately and visit anotherATM.
• 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:Terms and Conditions effective 7/23/2024.
© 2024 Wells Fargo Bank, N.A. Member FDIC.

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