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Delegate ToolsĪccess management tools we provide that help you manage the authority and access for some of your Authorized Representatives. DelegateĪuthorized Representatives appointed using the Delegate Tools. ConsumerĪ natural person (not a business or other entity) with an Eligible Account for which an Online Financial Service is requested primarily for personal, family or household purposes. Business DayĮvery day is a Business Day except Saturdays, Sundays, and federal banking holidays.įor brokerage accounts, Business Day also excludes U.S. BusinessĪny person or entity other than a Consumer with an Eligible Account where an Online Financial Service is requested. This definition includes any person (i) who has actual or apparent authority to access, manage, administer, or transact business for an Eligible Account or an Online Financial Service, regardless of whether that person has signed a signature card or other relevant documentation, (ii) who an owner provided online banking credentials to for an Eligible Account or Online Financial Service, or (iii) who is a Delegate. Authorized RepresentativeĪ person with authority (actual or apparent) to take action or make decisions with respect to an Eligible Account or an Online Financial Service.

Means a card, code, or other means of access to a consumer's account, or any combination thereof (including username and password), that may be used by the consumer to initiate electronic fund transfers. You or YourĮach owner of an Eligible Account, a person applying for an Eligible Account, or Eligible Beneficiary entitled to online access of a Trust and Investment Management Account, or a Delegate or Authorized Representative. It also includes “Wells Fargo Advisors,” which refers to Wells Fargo Clearing Services, LLC, and Wells Fargo Advisors Financial Network, LLC. and any of its affiliates or direct or indirect subsidiaries, when any of them have established an Eligible Account or provided an Online Financial Service. If you have any questions regarding this Agreement, please call 1-80.

Your mutual agreement with us that South Dakota law will control this Agreement, without regard to conflict-of-law rules.

The security procedures that apply to online transactions under this Agreement and the various addenda agreements.

Your agreement with us to use binding arbitration for most disputes arising under this Agreement or about the Service and to waive the right to a trial by jury.

How we send you notices and disclosures.

Waiver of 'two or more signature' requirements on accounts.

Your obligations as a user of the Service.

This Agreement covers, among other things:

By selecting 'I Agree' below, or by using the Service or authorizing a person to use the Service on your behalf, you agree to the terms and conditions of this entire Agreement.

In this Agreement, “Service” refers to all Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online and mobile services, plus all the Eligible Accounts and Online Financial Services you can access via the Website after entering into this Agreement, as described further below. This Online Access Agreement (“Agreement”) governs your use of: (Effective November 30, 2022: Upcoming Online Access Agreement)

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