Screen instructions and account terms also govern the service
Besides this addendum and the OAA, service enrollment and use incorporate screen terms and instructions, Wells Fargo's applicable rules, procedures and policies, Funding and Deposit Account agreements as amended, and applicable state and federal law. Transfers with individual or business Users remain subject to those terms.
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Your use of the Zelle® Transfer Service will be subject to this Addendum and the OAA, and also to the following, which are considered part of this Addendum:
the terms or instructions appearing on a screen when enrolling for, activating, accessing, or using the Zelle® Transfer Service;
our rules, procedures, and policies and the account agreements applicable to the Zelle® Transfer Service and your Funding and Deposit Accounts, as amended from time to time; and
applicable state and federal laws and regulations.
Subject to all the terms and conditions of this Addendum and the OAA, you may use the Zelle® Transfer Service to engage in Transfer Transactions with other individuals or businesses who are Users.
Not stated here
The other documents, screen instructions and legal rules are not reproduced here.
Legal Rights & Agreement Rules · Restriction or exception
Overdue-debt requests carry a defense and indemnity obligation
You agree not to use requests as a debt-collection business for overdue or delinquent debts, money owed to others, or court-ordered amounts. A request related to overdue or delinquent amounts obliges you to indemnify, defend and hold harmless Wells Fargo, Zelle, its listed owners, officers, directors and agents, and network institutions against resulting claims, losses, costs, damages and reasonable attorney fees.
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You agree that you are not engaging in the business of debt collection by attempting to use the Zelle® Transfer Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless us, Zelle®, its owners, directors, officers, agents, and Network Financial Institutions, from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts.
Qualifications & exceptions
The indemnity is tied to requests related to overdue or delinquent amounts.
Legal Rights & Agreement Rules · Restriction or exception
Section 13 covers Regulation E consumer-account transfers, not brokerage-account terms
These EFT protections apply only to debits or credits to a consumer checking, savings or other asset account subject to Regulation E. Brokerage-account EFT terms are in the brokerage agreement instead. Wells Fargo may rely on applicable Regulation E exceptions, and Regulation E supplies terms not defined in this addendum.
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The provisions in this Section apply only to electronic fund transfers (EFTs) that debit or credit a consumer's checking, savings, or other asset account and are subject to Regulation E, which implements the federal Electronic Fund Transfer Act. You can find the terms and conditions that apply to EFTs that debit or credit a brokerage account in your brokerage account agreement, not this Addendum.
When applicable, we may rely on any exceptions to the provisions in this Section that are covered in Regulation E. All terms in this Section not defined in this Addendum but defined in Regulation E will have the meaning given in Regulation E.
Not stated here
Regulation E and the brokerage agreement are not reproduced here; no additional terms are inferred.
Legal Rights & Agreement Rules · Restriction or exception
The network terms broadly exclude damages, subject to law and other provisions
Subject to applicable law and exceptions elsewhere in the addendum, Zelle, its listed owners, directors, officers, agents and network institutions disclaim damages arising from transactions, service inaccuracies, unauthorized access to or alteration of data, and other service matters—even when warned of possible damage. The clause calls discontinuing use the sole remedy for dissatisfaction. Its opening exceptions mean this is not an unconditional elimination of the addendum's other protections, including applicable consumer EFT rights.
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EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE®, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK FINANCIAL INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE ZELLE® TRANSFER SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE ZELLE® TRANSFER SERVICES DESCRIBED OR PROVIDED, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (IV) ANY OTHER MATTER RELATING TO THE ZELLE® TRANSFER SERVICES DESCRIBED OR PROVIDED, EVEN IF ZELLE® HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE ZELLE® TRANSFER SERVICE OR WITH THE TERMS OF THIS ADDENDUM, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE ZELLE® TRANSFER SERVICE.
You agree that you, and not we, will be responsible for resolving any payment dispute with any User to whom you send money through a Transfer Transaction, except as otherwise provided by law or regulation (including, to the extent applicable, the protections described in Section 13 relating to EFTs for consumer accounts).
Qualifications & exceptions
Subject to applicable law and other provisions, including the consumer EFT provisions where applicable.
Legal Rights & Agreement Rules · Restriction or exception
The network terms assert a $100 cap where certain damage exclusions may not apply
For states where excluding or limiting consequential or incidental damages may not apply, the clause limits liability and excludes warranties to the greatest extent permitted by law, while also asserting that liability will in no event exceed $100. This is the text's contractual cap, not a conclusion that it is enforceable in every state; the broader provision remains subject to applicable law and other terms.
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IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE®, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK FINANCIAL INSTITUTIONS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).
EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW
Qualifications & exceptions
The clause concerns states where the specified damage exclusions may not apply and retains a greatest-extent-permitted-by-law qualification.
Legal Rights & Agreement Rules · Restriction or exception
You agree to defend and indemnify Zelle and network parties for service-related claims
Except as otherwise provided in the addendum, you agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and network institutions for claims, losses, costs, damages and reasonable attorney fees arising from your use, misuse, errors, inability to use the service or violation of the addendum. The clause also makes you personally responsible for your conduct.
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You acknowledge and agree that you are personally responsible for your conduct while using the Zelle® Transfer Service, and except as otherwise provided in this Addendum, you agree to indemnify, defend and hold harmless Zelle®, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, errors, or inability to use the Zelle® Transfer Service, or any violation by you of the terms of this Addendum.
Qualifications & exceptions
Exceptions elsewhere in the addendum apply.
Legal Rights & Agreement Rules · Restriction or exception
Zelle and Early Warning can invoke arbitration and class-action waivers against claims you bring
For claims or disputes you assert against Zelle and Early Warning Services, LLC, those parties may enforce the addendum's and OAA's arbitration and class-action-waiver provisions. The introductory summary describes arbitration for most disputes and a jury waiver; the OAA's detailed arbitration rules are not supplied in this source, so no forum, procedure or additional exception is inferred.
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You further acknowledge and agree that for any claims or disputes that you assert against Zelle® and Early Warning Services, LLC, Zelle® and Early Warning Services, LLC are entitled to enforce the provisions in this Addendum and OAA regarding arbitration and waiver of class action rights against you.
Not stated here
The incorporated OAA's arbitration text is not supplied; its detailed procedures and exceptions are unknown here.
Legal Rights & Agreement Rules · Permission or license
The transfer power of attorney survives incapacity but can end with service use
While you use Zelle, Wells Fargo acts as your attorney-in-fact and agent, with substitution powers, to access funding and receiving accounts and perform acts needed to complete transfers, including verifying instructions. Actual knowledge that you wish to stop, plus a reasonable opportunity to act, revokes the authority; prior good-faith acts remain authorized. Subsequent incapacity does not revoke it. In transfers the bank acts for you, not a third party, and its affiliates, providers and partners may rely on the granted authority.
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For as long as you are using the Zelle® Transfer Service, you give to us a limited power of attorney and appoint us as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access the Funding and Deposit Accounts, complete transfers as described herein, with full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with completing transfers, including verifying the content and authenticity of any transfer instruction for the purposes of security procedures applicable to the Funding and Deposit Accounts, as fully to all intents and purposes as you might or could in person. Once we have actual knowledge that you wish to cease using the Zelle® Transfer Service as provided in this Addendum and have a reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however, that any act done by us in good faith before we have actual knowledge of the termination by you and have a reasonable opportunity to act on such knowledge shall be deemed to be authorized by you. This limited power of attorney shall not be affected by your subsequent incapacity.
YOU ACKNOWLEDGE AND AGREE THAT WHEN WELLS FARGO IS EFFECTING A TRANSFER FROM OR TO ANY OF YOUR ACCOUNTS, WELLS FARGO IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OR ON BEHALF OF ANY THIRD PARTY. You agree that Wells Fargo, its affiliates, service providers, and partners shall be entitled to rely on the authorization, agency, and power of attorney granted by you in this Addendum.
Qualifications & exceptions
Authority is limited to the described account access and transfer activities.
Legal Rights & Agreement Rules · Restriction or exception
Your relationships with payment counterparties are independent of Wells Fargo
Wells Fargo says it is not responsible for the acts or omissions of people you send to or receive from. The same liability section nevertheless states that reimbursement is available for unauthorized transactions and certain qualifying imposter scams, so counterparty independence should not be read as eliminating that stated avenue. Section 13 also promises compensation for late or incorrect covered consumer EFTs, subject to its listed insufficient-funds, overdraft-limit, known-outage, uncontrollable-event and other-agreement exceptions.
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You understand and agree that your relationship with each person to whom you send money to, or receive money from, is independent of Wells Fargo and your use of the Zelle® Transfer Service. We will not be responsible for any acts or omissions by these persons.
REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.
The provisions in this Section apply only to electronic fund transfers (EFTs) that debit or credit a consumer's checking, savings, or other asset account and are subject to Regulation E, which implements the federal Electronic Fund Transfer Act. You can find the terms and conditions that apply to EFTs that debit or credit a brokerage account in your brokerage account agreement, not this Addendum.
If we do not complete a Transfer Transaction to or from your account on time or in the correct amount according to our agreement with 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 in your account to make the transfer,
The transfer would go over the credit limit on a credit account linked for Overdraft Protection,
You were notified the Zelle® Transfer Service was not working properly and you knew about the breakdown when you started the transfer,
Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken, or
There is some other exception stated in any of our agreements with you.
Qualifications & exceptions
Consumer EFT scope and the stated liability exceptions apply; reimbursement availability is separately preserved.
Legal Rights & Agreement Rules · Restriction or exception
Wells Fargo asserts broad exclusions for account access and transfer-related losses
Section 9 says, notwithstanding other provisions, Wells Fargo is not liable for costs or losses from account access; ability or inability to debit or credit as instructed; inaccurate account information; other institutions' charges, actions or transfer limits; or receipt or nonreceipt of third-party recipient notices. That broad wording appears alongside an express statement that unauthorized transfers and certain qualifying imposter scams can be reimbursed. The addendum does not explain the full boundary between these statements; the exclusion is not a basis to erase the stated reimbursement availability. Section 13 also promises compensation for late or incorrect covered consumer EFTs, subject to its listed insufficient-funds, overdraft-limit, known-outage, uncontrollable-event and other-agreement exceptions.
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YOU AGREE THAT NOTWITHSTANDING ANY OTHER PROVISION OF THIS AGREEMENT, WE SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED BY YOU AS A RESULT OF (1) OUR ACCESS TO THE ACCOUNTS; (2) OUR ABILITY OR INABILITY TO DEBIT AND/OR CREDIT THE ACCOUNTS IN ACCORDANCE WITH YOUR TRANSFER INSTRUCTIONS; (3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED ON THE ACCOUNTS; (4) ANY CHARGES IMPOSED, OR ACTIONS TAKEN, BY ANY NON-WELLS FARGO FINANCIAL INSTITUTION; (5) ANY TRANSFER LIMITATIONS SET BY THE NON-WELLS FARGO FINANCIAL INSTITUTIONS; AND/OR (6) LIABILITY ARISING FROM THE RECEIPT OR NON-RECEIPT OF THIRD PARTY NOTIFICATIONS SENT TO RECIPIENTS’ EMAIL ADDRESSES OR MOBILE PHONE NUMBERS PROVIDED TO US.
REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.
The provisions in this Section apply only to electronic fund transfers (EFTs) that debit or credit a consumer's checking, savings, or other asset account and are subject to Regulation E, which implements the federal Electronic Fund Transfer Act. You can find the terms and conditions that apply to EFTs that debit or credit a brokerage account in your brokerage account agreement, not this Addendum.
If we do not complete a Transfer Transaction to or from your account on time or in the correct amount according to our agreement with 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 in your account to make the transfer,
The transfer would go over the credit limit on a credit account linked for Overdraft Protection,
You were notified the Zelle® Transfer Service was not working properly and you knew about the breakdown when you started the transfer,
Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken, or
There is some other exception stated in any of our agreements with you.
Qualifications & exceptions
Consumer EFT scope and the stated liability exceptions apply; reimbursement availability is separately preserved.
Not stated here
The text does not fully reconcile its sweeping exclusion with its stated reimbursement availability.
Cross-references
contrast (model-proposed): Purchase protection is excluded, but some unauthorized and scam payments can be reimbursed — Section 9’s sweeping account and transfer loss disclaimer appears alongside express reimbursement availability for unauthorized transactions and certain imposter scams. Both statements are retained; their full boundary is not explained in the text.
contrast (model-proposed): Wells Fargo accepts liability for certain late or incorrect consumer transfers — The broad Section 9 disclaimer and Section 13’s affirmative compensation promise pull in different directions. The latter is limited to covered consumer EFTs and its listed exceptions; the analysis preserves both without deciding enforceability.
Legal Rights & Agreement Rules · Restriction or exception
The agreement disclaims transfer losses and user typing errors
The provision disclaims Wells Fargo's and Zelle's liability for transfers, giving failures through neither party's fault to complete the correct amount and related losses as examples. It separately excludes your typos and keystroke errors. The next paragraph still makes reimbursement available for unauthorized transactions and certain qualifying imposter scams; the broad disclaimer should be read with that express statement. Section 13 also promises compensation for late or incorrect covered consumer EFTs, subject to its listed insufficient-funds, overdraft-limit, known-outage, uncontrollable-event and other-agreement exceptions.
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Neither we nor Zelle® shall have liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle® to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle® shall be liable for any typos or keystroke errors that you may make when using the Zelle® Transfer Service.
REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.
The provisions in this Section apply only to electronic fund transfers (EFTs) that debit or credit a consumer's checking, savings, or other asset account and are subject to Regulation E, which implements the federal Electronic Fund Transfer Act. You can find the terms and conditions that apply to EFTs that debit or credit a brokerage account in your brokerage account agreement, not this Addendum.
If we do not complete a Transfer Transaction to or from your account on time or in the correct amount according to our agreement with 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 in your account to make the transfer,
The transfer would go over the credit limit on a credit account linked for Overdraft Protection,
You were notified the Zelle® Transfer Service was not working properly and you knew about the breakdown when you started the transfer,
Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken, or
There is some other exception stated in any of our agreements with you.
Qualifications & exceptions
Consumer EFT scope and the stated liability exceptions apply; reimbursement availability is separately preserved.
This addendum takes priority over conflicting Online Access Agreement terms
Effective September 15, 2026, this addendum and the Online Access Agreement (OAA) govern Zelle transfers. Agreeing to the addendum or using or accessing the service accepts both. The addendum controls inconsistencies; otherwise OAA definitions also apply. Wells Fargo will post changes here and give notice through the OAA's procedures.
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Effective September 15, 2026
This Addendum ("Addendum") and the Wells Fargo Online Access Agreement ("OAA") contain the terms and conditions governing your use of the Zelle® Transfer Service. If we make changes to this Addendum, we will update the Addendum on the website. We will notify you of changes following the procedures specified in the OAA. In the event of any inconsistency between this Addendum and the OAA, this Addendum will control.
Please read this Addendum carefully. By agreeing to this Addendum, or using or accessing the Zelle® Transfer Service, you are agreeing to the terms and conditions of this Addendum and the OAA. This Addendum and the OAA include, among other things:
Your agreement to these terms is essential to our agreement to provide the Zelle® Transfer Service.
Except as otherwise provided in this Addendum, terms defined in the OAA have the same meaning in this Addendum. In addition, in this Addendum:
Qualifications & exceptions
Priority applies when the two documents are inconsistent.
Not stated here
The linked OAA's full terms and change-notice procedures are not supplied in this source.
Legal Rights & Agreement Rules · Context
The introduction flags arbitration and waivers of jury and class-action rights
The addendum's opening summary says most disputes under the addendum or about the service use binding arbitration, with a jury-trial waiver and waiver of class-action rights. This is the introductory summary; the detailed dispute provisions determine its operation. Detailed OAA arbitration terms are incorporated but not supplied here.
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Supporting quotations
your agreement with us to use binding arbitration for most disputes arising under this Addendum or concerning the Zelle® Transfer Service and to waive the right to a trial by jury;
your waiver of class-action rights;
Qualifications & exceptions
The summary refers to most disputes, not every dispute.
Not stated here
The detailed OAA arbitration provisions are not supplied in this source; their procedure and exceptions cannot be determined here.
The introductory governing-law statement selects South Dakota law without regard to conflict-of-law principles.
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your mutual agreement with us that this Addendum will be governed by the laws of the State of South Dakota, without regard to conflict of law principles; and
Legal Rights & Agreement Rules · Context
The opening summary flags payment reversals and limits on liability
The introduction warns that later provisions address modifying or reversing payments and removing account funds, limits on Wells Fargo's liability, Zelle's warranty disclaimers and liability limits, and your indemnification of Zelle for service use. It does not specify the triggers or extent of those rules in this introductory list.
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circumstances under which we may reverse or modify payments or remove money from your account;
limitations on our liability to you;
Zelle®’s disclaimer of warranties, limitations of Zelle®’s liabilities to you, and your indemnification of Zelle® for your use of the Zelle® Transfer Service.
Legal Rights & Agreement Rules · Restriction or exception
Reinstated access uses the addendum in effect at reinstatement
If suspended or terminated access is later restored, this addendum—or its revised version then in effect—continues to govern your use and transfers.
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In the event your access to the Zelle® Transfer Service is terminated or suspended for any reason and then later reactivated or reinstated, you agree that this Addendum, or any revised or amended version of this Addendum in effect at the time of reactivation or reinstatement, will continue to apply to your Transfer Transactions and use of the Zelle® Transfer Service.
Legal Rights & Agreement Rules · Restriction or exception
Zelle requires these additional terms as a condition of use. Subject to applicable law and other terms, the warranty paragraph first says Zelle 'MAKES ANY EXPRESS OR IMPLIED WARRANTIES' but then expressly disclaims all warranties, including merchantability, fitness, title and non-infringement. It also says the service is 'AS IS' and 'AS AVAILABLE' and promises no uninterrupted, timely, cyberattack-proof or error-free operation or defect correction. The opening wording conflicts with those explicit disclaimers; the source does not identify a particular affirmative warranty, and no missing word is supplied here.
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As a condition of your use of the Zelle® Transfer Service, Zelle® requires you to agree to the following additional provisions.
EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, ZELLE® MAKES ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE ZELLE® TRANSFER SERVICE. ZELLE® EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE ZELLE® TRANSFER SERVICE DESCRIBED OR PROVIDED. ZELLE® DOES NOT WARRANT THAT THE ZELLE® TRANSFER SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE ZELLE® TRANSFER SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.
Qualifications & exceptions
Subject to applicable law and provisions elsewhere in the addendum.
Not stated here
The intended meaning of the opening 'MAKES ANY' wording is unclear; this analysis does not silently rewrite it.