Transfer security procedures are incorporated by reference
The addendum directs users to the OAA section “Transfers Security Procedures (Excluding Digital Wires).” That section’s procedures are not reproduced in this source, so this analysis cannot describe their detailed requirements.
The referenced OAA security procedures are not supplied.
Security & Safeguards · Procedure
Cash pickup requires matching identification and confirmation details
The cash-pickup recipient name must exactly match their government-issued identification. Pickup requires the confirmation number Wells Fargo gives you, acceptable matching ID and any additional receiving-location information or authentication during normal business hours. Some locations require fingerprints or a photograph; some do not accept foreign passports, including U.S. passports. Call 1-800-556-0605 to ask which IDs a location accepts.
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Supporting quotations
the Recipient name you provide must match exactly the name appearing on the government issued identification document(s) the Recipient will present when collecting the funds.
Not all receiving locations accept foreign passports, including the U.S. passport, as a valid form of identification for a Recipient to collect Cash Pick-up International Transfer.
To retrieve a Cash Pick-up International Transfer, your Recipient must present the Cash Pick-up Confirmation Number we provide to you, acceptable identification with name matching exactly what you provided when adding your Recipient in the ExpressSend service, and any other information or authentication required by the receiving location (some receiving locations may require your Recipient to submit to a fingerprint scan or photograph to collect funds) during their normal business hours.
Qualifications & exceptions
Accepted IDs and additional authentication vary by receiving location.
Extra error or fraud detection is discretionary and may delay a transfer
Actions to detect erroneous or unauthorized transfers are at Wells Fargo’s sole discretion. Repeating such an action does not make it a standard procedure, and Wells Fargo disclaims liability for failing to take or correctly perform it. You agree Wells Fargo may delay a transfer it detects as erroneous or unauthorized. This detection provision does not erase the separate error-investigation commitments or the stated statutory liability exceptions.
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Supporting quotations
Any action Wells Fargo takes to detect an erroneous International Transfer or to attempt to detect an unauthorized transfer, will be taken at Wells Fargo's sole discretion. No matter how many times Wells Fargo takes this action, it will not become part of Wells Fargo's standard procedures for attempting to detect such erroneous or unauthorized transfers, and Wells Fargo will not in any situation be liable for failing to take or to correctly perform the action. You agree that Wells Fargo may delay your transfer if Wells Fargo detects it as erroneous or unauthorized.
Qualifications & exceptions
The stated liability framework and error-resolution commitments remain separately applicable.
Cross-references
contrast (model-proposed): Wells Fargo promises an error determination within 90 days — Optional detection of erroneous or unauthorized transfers differs from the express investigation and correction commitments after an error report. The discretionary-detection disclaimer is not treated as canceling those commitments.