Account & Service Control · Restriction or exception
Wells Fargo may suspend service for suspected violations
You enroll as a User of an Online Financial Service under the OAA and agree to use it only for lawful transfers, avoiding activities that may expose Wells Fargo or Zelle to liability, reputational harm or brand damage. Wells Fargo reserves discretion to suspend or terminate use if it believes you violated the service terms.
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The Zelle® Transfer Service is an Online Financial Service under the OAA. You agree that you are enrolling as a User of the Zelle® Transfer Service. You agree that you will only use the Zelle® Transfer Service for Transfer Transactions entered into for lawful purposes, and not for purposes or activities that may lead to liability, reputational harm, or brand damage to Wells Fargo or Zelle®.
We reserve the right to suspend or terminate your use of the Zelle® Transfer Service if we believe, in our sole discretion, that you violated the terms and conditions for use of the Zelle® Transfer Service.
Account & Service Control · Restriction or exception
Stop requesting money after notice that it is unwanted or disputed
After notice from any person that a User does not want your request or disputes or disclaims the obligation, you must not make or repeat it. Wells Fargo may—but need not—end your request ability generally or for particular recipients if requests seem potentially unlawful, abusive, offensive or unwelcome.
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You will not make or repeat a request for money to a User after you have received notice from any person that either:
the User does not wish to receive a request for money from you, or
the User disputes or disclaims the obligation for which the request is made.
We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.
Account & Service Control · User right or choice
You do not have to respond to a payment request
You authorize delivery of requests Wells Fargo reasonably believes are addressed to you, but have no duty to respond through Zelle or otherwise. The bank cannot control their frequency, content or purpose, makes no genuineness or accuracy warranty, does not guarantee delivery, and may be unable to block requests from particular Users or generally.
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We may offer other Users the ability to send you a request for money. You have no obligation to respond to the request, either through the Zelle® Transfer Service or otherwise. You authorize us to deliver to you all requests made by other Users that we reasonably believe are addressed to you. You understand and agree that:
We are not able to control the frequency, content, or purpose of requests that may be sent to you by other Users.
We make no representations or warranties concerning the genuineness or accuracy of any request you receive.
We do not guarantee that you will receive requests addressed to you through the Zelle® Transfer Service.
We may not be able to prevent or block requests from being sent to you, either by specific Users or generally.
Account & Service Control · Procedure
Contact details can change on your request or information from other sources
Notify Wells Fargo immediately of changes to associated email, mobile number or tag; you can instruct a change at any time. Changes may also begin after notice from a network institution or carrier, or information from a contact-correction business. Wells Fargo may rely on existing details until you notify it and act on instructions purportedly made on your behalf within a reasonable time after receipt. Its separate discretion to reject a particular identifier remains.
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You agree that you will notify us immediately in the event of a change to any email address, mobile phone number, or Zelle® tag that has been provided to us and is associated with you. You may instruct us to change any email address, mobile phone number, or Zelle® tag we associate with the Zelle® Transfer Service at any time. Email address, mobile phone number, and Zelle® tag changes may be initiated:
at your request; if we receive notice of change to your email address, mobile phone number, or Zelle® tag from any Network Financial Institution or any common carrier; or
if we receive information from another party in the business of providing correct contact information that the email address, mobile phone number, or Zelle® tag in our records no longer is associated with you.
We may continue to rely on any email address, mobile phone number, or Zelle® tag that has been provided to us until you notify us of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction.
We may, in our sole discretion and for any reason, decline at any time to accept or use, or to continue to accept or use, any specific email address, mobile phone number, or a Zelle® tag provided to us by any person.
Account eligibility and representative authority define the parties' roles
A Deposit Account is a transaction account its institution identifies as eligible to receive transfers; a Funding Account is one identified as eligible to fund them. An Authorized Representative can have actual or apparent authority over an account or the service, including someone legally authorized on your behalf. 'You' covers each account owner or Authorized Representative subject to Section 2's conditions; these definitions alone do not establish eligibility.
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Supporting quotations
"Authorized Representative" means a person with authority (actual or apparent) to take action or make decisions with respect to a Deposit Account, Funding Account, or the Zelle® Transfer Service. This includes others you have legally authorized to act on your behalf to use or access the Zelle® Transfer Service.
"Deposit Account" means a transaction account that has been identified by the financial institution holding the account as eligible to receive funds from Transfer Transactions.
"Funding Account" means a transaction account that has been identified by the financial institution holding the account as eligible to serve as a funding account for Transfer Transactions.
"You" or "Your" means each Owner of a Deposit Account and Funding Account, or an Authorized Representative, subject to the conditions in Section 2.
Qualifications & exceptions
The definition of 'you' is expressly subject to Section 2.
A User can include an intended recipient who has not enrolled yet
The User definition covers enrolled individuals, businesses and government agencies through network institutions; businesses using those institutions to send money; individuals or businesses enrolled directly with Zelle to receive money; and unenrolled individuals or businesses with whom you attempt a transfer. The definition describes counterparties and does not promise every person can use every feature.
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“User” means a person who is any one or more of the following:
an individual, business or government agency enrolled in the Zelle® Transfer Service through any Network Financial Institution;
a business that uses the Zelle® Transfer Service through any Network Financial Institution to send money to another User;
an individual or business that is enrolled in the Zelle® Transfer Service directly with Zelle® to receive money at the User’s Financial Institution; or
an individual, or business that is not yet enrolled in the Zelle® Transfer Service, but with whom you attempt to initiate a Zelle® Transfer Transaction.
Account & Service Control · Restriction or exception
Using Zelle requires an eligible U.S. account and authority over it
You need an eligible U.S. Funding or Deposit Account, including the specified Wells Fargo checking, savings, Advisors Brokerage Cash Services and Private Bank checking or savings accounts. The same account can serve both roles. Receiving requires good standing; sending requires an available balance. You represent authority to authorize debits and credits. Other institutions may use different account eligibility rules.
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Supporting quotations
In order to use the Zelle® Transfer Service you must have an eligible Funding Account or Deposit Account based in the United States, which includes Wells Fargo Bank checking, savings or Wells Fargo Advisors Brokerage Cash Services accounts, and Wells Fargo The Private Bank checking and savings accounts. The Funding Account and the Deposit Account may be the same account. Account eligibility rules may differ if you are enrolling in Zelle® through a separate financial institution. In order to receive money transfers into your Deposit Account, that account must be in good standing. In order to transfer money out of your Funding Account to another individual or business, you must have an available balance in that account. You represent that you have the authority to authorize debits and credits to the enrolled Funding Account or Deposit Account.
"Deposit Account" means a transaction account that has been identified by the financial institution holding the account as eligible to receive funds from Transfer Transactions.
"Funding Account" means a transaction account that has been identified by the financial institution holding the account as eligible to serve as a funding account for Transfer Transactions.
Qualifications & exceptions
Receiving and sending have different account conditions.
Account & Service Control · Restriction or exception
Adult co-owners can withdraw a minor's Zelle access until age 18
Minors ages 13–17 can use Zelle in the mobile experience, subject to the adult co-owner's permission. Revocation or removal of permission unenrolls the minor's email or U.S. mobile number and cancels pending payments. At 18 the adult co-owner loses this control and the email or number can be enrolled.
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The Zelle® Transfer Service is available for minors between 13 and 17 years old within the mobile experience, but the minor cannot use the Zelle® Transfer Service feature if the adult co-owner revokes or removes permission. If the minor is enrolled in Zelle® but the adult co-owner revokes or removes permission, the minor's email address or U.S. mobile number will be unenrolled, AND if any pending payments are in progress, the payments will be canceled. When the minor reaches the age of 18, the adult co-owner will no longer be able to control the minor’s use of the Zelle® Transfer Service and their email address or U.S mobile number will be able to be enrolled.
Qualifications & exceptions
Available to ages 13–17 in the mobile experience; permission revocation unenrolls the identifier and cancels pending payments.
Account & Service Control · Restriction or exception
Small-business account instructions coexist with broad business-use refusal rights
The paragraph instructs small-business users to link an eligible small-business account rather than a personal one, and prohibits receiving through a commercial account. It also reserves refusal of enrollment for business-account or business-payment use and suspension or termination for business or commercial purposes. These statements appear together; the small-business instruction does not guarantee business access, and the paragraph does not explain how the broad refusal rights relate to that instruction.
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Supporting quotations
You agree that if you are using the Zelle® Transfer Service as a means to conduct small business activity, then you will link your enrolled email address, U.S. mobile phone number, or Zelle® tag, to your eligible small business Funding and Deposit account, and not to your eligible personal Funding and Deposit account. You also agree that you may not use the Zelle® Transfer Service with any commercial account with us to receive money. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Service if we believe that you are using the Service for business or commercial purposes, or for any unlawful purpose.
Not stated here
The paragraph does not clarify which otherwise eligible small-business uses will be accepted.
Account & Service Control · Restriction or exception
Wells Fargo can impose additional eligibility restrictions
Other eligibility requirements may apply, with non-U.S. persons given as an example of people who may be prohibited. Wells Fargo reserves sole discretion to restrict or prohibit use; the example does not itself state a universal ban on all non-U.S. persons.
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You agree that there may be other eligibility requirements that apply to participate in the Zelle® Transfer Service (e.g., non-U.S. persons may be prohibited from using the Zelle® Transfer Service), and that we have the right and sole discretion, to restrict or otherwise prohibit your use of the Zelle® Transfer Service.
Account & Service Control · Company commitment
New Zelle features will be described on the website
Wells Fargo may introduce features from time to time and says it will update its website to include them when it does.
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Supporting quotations
We may, from time to time, introduce new features to the Zelle® Transfer Service. When this happens, we will update our website to include them.
Account & Service Control · Restriction or exception
Enrollment requires lasting contact details and can be revoked
Enroll a regularly used email, a permanent text-enabled U.S. mobile number and/or a Zelle tag. Disposable emails, burner numbers, landlines, toll-free numbers, Google Voice and VoIP numbers are not allowed. Wells Fargo can cancel noncompliant emails or numbers without notice, block or remove identifiers that fail its criteria, and limit how many can be enrolled. An email must not mislead others about identity or payment purpose.
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You must enroll an email address that you regularly use and intend to use regularly (i.e., no disposable email addresses), a permanent, text message-enabled U.S. mobile phone number that you intend to use for an extended period of time (i.e., no "burner" numbers), and/or a Zelle® tag. You may not enroll in the Zelle® Transfer Service with a landline phone number, toll-free number, Google Voice number, or Voice over Internet Protocol (VoIP). We reserve the right to cancel any enrolled email addresses or mobile phone numbers that do not meet the requirements of this Section 3 at any time without prior notice.
We may block enrollment, or later unenroll, any email address, U.S. mobile number, or Zelle® tag, if at any time we determine that it does not meet our criteria for Zelle® usage. For example, we may limit the number of email addresses, mobile phone numbers, and/or Zelle® tags that you can enroll in the Zelle® Transfer Service for an account. You may not enroll an email address that misleads or deceives other Users of the Zelle® Transfer Service as to your identity or the purpose of payments sent to you.
Account & Service Control · Company practice
Eighteen months without payments can trigger an ownership check
After 18 consecutive months without sending or receiving money, Wells Fargo may contact you or otherwise check that your enrolled identifier still belongs to you. If it cannot confirm ownership or learns you no longer own the phone number or email, it may unenroll the identifier. You then cannot send or receive until enrolling again; inactivity alone is described as a trigger for checking, not automatic closure.
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If at any time while you are enrolled, you do not send or receive money using the Zelle® Transfer Service for a period of 18 consecutive months, we may contact you and/or take other steps to confirm that the U.S. mobile phone number, email address, or Zelle® tag that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number, email address, or Zelle® tag, or we receive information that you are not the owner of the mobile number or email address, then you understand that we may unenroll your U.S. mobile phone number, email address, or Zelle® tag, and you will not be able to send or receive money with the Zelle® Transfer Service until you enroll again.
Qualifications & exceptions
Unenrollment follows inability to confirm ownership or information that the identifier no longer belongs to you, rather than inactivity alone.
Account & Service Control · Permission or license
Participation includes consent to automated service messages
You represent that you own or subscribe to the enrolled identifier, or have delegated legal authority to act for its owner. You consent to Wells Fargo or Zelle emails, push notifications and texts, including texts using automatic dialing systems by either company or its agents. Even after withdrawing consent, you authorize messages confirming instructions sent by text, including the withdrawal itself.
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By participating as a User in the Zelle® Transfer Service, you represent and warrant to us that you are the owner or mobile subscriber of the email address, mobile phone number, Zelle® tag, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner or mobile subscriber of such email address, mobile phone number, Zelle® tag, and/or other alias to send or receive money as described in this Addendum. You consent to the receipt of emails, push notifications, or text messages from us or from Zelle®. You agree that we may, Zelle® may, or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree that:
In the event you ever withdraw this consent, and notwithstanding that withdrawal, you expressly authorize us to use any of the methods described above to send you messages confirming your instructions sent to us via text message, including a confirmation from us in the event you withdraw your consent.
Qualifications & exceptions
Confirmation messages remain authorized after withdrawal.
Tell Wells Fargo immediately when an enrolled email or mobile number changes
You must immediately notify Wells Fargo if you surrender or change an enrolled email or mobile number, including one used to contact you for a Zelle tag. The bank may rely on previously supplied identifiers until notified and may act on instructions purportedly made for you within a reasonable time of receipt.
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Supporting quotations
You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for Zelle® tag in the Zelle® Transfer Service is (i) surrendered by you, or (ii) changed by you.
We may continue to rely on any email address, mobile phone number, or Zelle® tag that has been provided to us until you notify us of a change. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction.
Send STOP to 93729 to cancel Zelle service texts from that number
The enrolled number receives 93729 texts when you add a recipient, receive money or get a payment request unless canceled. More message types may be added; frequency varies and carrier rates can apply. Text STOP to 93729 to cancel that stream. Confirmation of your opt-out remains authorized.
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We may send you text messages to the mobile phone number you have enrolled for the Zelle® Transfer Service as follows:
Zelle® Transfer Service Text Messages You will receive text messages from 93729 when you add a new payment recipient, receive money, or receive a request for money, unless you cancel receiving these text messages from us. Additional Zelle® Transfer Service text messages coming from 93729 may be added at any time to supplement your existing Zelle® Transfer Service email or push notifications. Message frequency varies. Message and data rates may apply depending on your carrier plan. To cancel text messages sent from 93729, send STOP to 93729.
In the event you ever withdraw this consent, and notwithstanding that withdrawal, you expressly authorize us to use any of the methods described above to send you messages confirming your instructions sent to us via text message, including a confirmation from us in the event you withdraw your consent.
Qualifications & exceptions
Opt-out confirmation remains authorized, and carrier message/data charges can apply.
Stopping 93557 texts also stops other Wells Fargo Online alerts from that number
General texts may come from 93557. Sending STOP there cancels other Wells Fargo Online texts from that number too, including enrolled balance alerts. Certain future one-time texts you request, such as Advanced Access security messages, are excepted. You will receive a single opt-out confirmation.
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General Text Messages General text messages may be sent from 93557. To cancel text messages sent from 93557, send STOP to 93557. By sending STOP to 93557, you will no longer receive other Wells Fargo Online text messages from that number, including those for other services in which you may have enrolled, such as balance alerts, with the exception of certain one-time text messages that you may request in the future to receive (e.g., Advanced Access security text messages). When you send STOP, you understand and agree that you will receive a single text message confirming your opt out request.
Text HELP or call customer service for messaging assistance
Send HELP to the relevant service-text number or call 800-956-4442 for help with Zelle or general texts. Message and data rates may apply; Wells Fargo accepts relay calls including 711.
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To get help with the Zelle® Transfer Service or General text messages, send HELP to the applicable number(s) described in this Section, or call customer service at 800-956-4442. Message and data rates may apply. We accept all relay calls, including 711.
Account & Service Control · Restriction or exception
Wells Fargo can decline any particular email, number or tag
Wells Fargo reserves sole discretion to refuse to accept or continue using a specific email address, mobile number or Zelle tag at any time and for any reason.
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We may, in our sole discretion and for any reason, decline at any time to accept or use, or to continue to accept or use, any specific email address, mobile phone number, or a Zelle® tag provided to us by any person.
Account & Service Control · Restriction or exception
Wells Fargo can refuse an account it considers risky
Not every account qualifies for transfers. Wells Fargo may decline an account as a funding or receiving account if it believes the account may pose a risk to you or the bank.
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Not all types of accounts are eligible for Transfer Transactions. We reserve the right to decline the use of any account as a Funding Account or Deposit Account that we believe may present a risk to you and/or us.
Account & Service Control · Restriction or exception
Wells Fargo may suspend individual features or end service access
Unless applicable law or regulation requires otherwise, Wells Fargo can end all or part of access at any time, including for term violations, suspected or confirmed unauthorized or fraudulent transactions, or problems with use. It may act without advance notice and suspend the whole service, sending or receiving, sending alone while still allowing receipt, outgoing requests, or incoming requests.
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You agree that unless otherwise required by applicable law or regulation, we can terminate your access to the Zelle® Transfer Service, in whole or in part, at any time. For example, in the event (i) you violate any terms of this Addendum or the OAA, (ii) there are suspected or confirmed unauthorized or fraudulent transactions related to your Funding Account, Deposit Account or use of the Zelle® Transfer Service, or (iii) we incur problems with your use of the Zelle® Transfer Service, you agree that we may suspend or terminate your access to the Zelle® Transfer Service at any time.
We may, in our sole discretion, at any time and without prior notice to you or other Zelle® Transfer Service participants, suspend or terminate:
the Zelle® Transfer Service,
your ability to send or receive money through a Transfer Transaction,
your ability to send money through a Transfer Transaction, while continuing to permit you to receive money through a Transfer Transaction,
your ability to request money from another User, or
your ability to receive requests for money from another User.
Qualifications & exceptions
Subject to contrary requirements of applicable law or regulation.
Account & Service Control · Restriction or exception
Each use renews your promises about authority and accurate information
Each time you use Zelle you represent that you can authorize access to the Funding Account for transfers or other purposes the addendum authorizes, that supplying information and instructing transfers violates no one else's rights, and that your information is true, current, accurate and complete.
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Each time you use the Zelle® Transfer Service, you represent and warrant to us that:
you have the right to authorize us to access your Funding Account to effect fund transfers or for any other purpose authorized by this Addendum,
you are not violating any other person’s rights when you provide us information and instruct us to initiate or complete a fund transfer, and
all the information you provide to us is true, current, accurate, and complete.
Account & Service Control · Company practice
Service is generally available around the clock, with outage exceptions
Subject to the addendum, the service is generally available 24/7 except maintenance outages and circumstances outside Wells Fargo's or Zelle's control. The miscellaneous clause describes live customer service as generally Monday–Friday excluding U.S. bank holidays. The error-reporting section separately lists a 24/7 phone number; the text does not explain the difference between those support descriptions.
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Subject to the terms of this Addendum, the Zelle® Transfer Services are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond our or Zelle®’s control. Live customer service generally will be available Monday through Friday, excluding United States bank holidays.
Phone. 1-800-956-4442 , 24 hours a day, 7 days a week.
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The source does not reconcile general live-support hours with the separately stated 24/7 error-reporting line.