A first payment to a recipient may require an Advanced Access code
Wells Fargo may require a code when you first send to a User and sends it to the mobile number on file. Usually the code can be sent immediately, but first transfers can be delayed. The source points to a separate Advanced Access FAQ for more detail.
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An Advanced Access code may be required when you send money to a User for the first time. We will send you an Advanced Access code to your mobile phone number on file. In most instances, we will be able to send you an Advanced Access code immediately; however, in some cases, there may be a delay in when you can initiate your transfer to a User for the first time.
You can find additional information about Advanced Access here:
The linked Advanced Access FAQ's text is not supplied here, so its additional requirements are unknown.
Security & Safeguards · Restriction or exception
Sharing access is prohibited except for legally authorized arrangements
You must not authorize a third party to use Zelle or share credentials for use on your behalf, except in legally authorized situations such as guardianship or a power of attorney. Wells Fargo and Zelle can terminate, suspend or limit access without advance notice, including for activity at another network institution deemed illegal, fraudulent, scam-related, harassing or risky to them or the financial system.
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You further agree that you will not authorize a third party to use the Zelle® Transfer Service or share your credentials with a third party to use the Zelle® Transfer Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. Zelle® and we reserve the right to terminate, suspend, or limit your access to or use of the Service at any time and without prior notice, including for reasons involving your use of the Service at any Network Financial Institution which may be deemed to be illegal, fraud or scam, harassing or potentially exposing us, Zelle®, or the financial system to risk.
Qualifications & exceptions
Legally authorized arrangements such as guardianship or power of attorney are excepted.
Security & Safeguards · Restriction or exception
You supply the equipment and comply with the bank's security procedures
Access requires a username, password and the hardware and software described in Online Banking Help. You must supply the needed phone, other equipment, services and software except software Wells Fargo provides, and follow additional security policies and procedures established under the OAA.
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To access the Zelle® Transfer Service you must have a username, a password, and the required hardware and software as described in Online Banking Help. You must also comply with any other security procedures and policies we may establish from time to time as provided in the OAA.
You must provide all mobile phone and other equipment, software (other than any software provided by us), and services necessary to access the Zelle® Transfer Service.
Qualifications & exceptions
You need not provide software Wells Fargo supplies; additional OAA security procedures apply.
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The linked help and OAA procedures are not reproduced in this addendum.
Security & Safeguards · Restriction or exception
Wells Fargo may rely on apparently authentic instructions and charge you for your information errors
You authorize action on instructions sent or reasonably appearing to come from you, without a further confirmation duty; receiving institutions may also rely on them. You accept losses caused by your errors, duplicates, ambiguities or fraud, must not impersonate others or use unauthorized names, and may owe costs or losses caused directly or indirectly by false, outdated or incomplete information. This allocation does not erase the separately stated reimbursement for unauthorized transfers or the consumer EFT protections.
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You understand that we must rely on the information provided by you and you authorize us to act on any instruction, which has been or reasonably appears to have been sent by you, to submit money transfer instructions on your behalf. You understand that financial institutions receiving the money transfer instructions may rely on such information. We are not obliged to take any further steps to confirm or authenticate such instructions and will act on them without getting further confirmation. You agree to accept full responsibility for losses resulting from any of your errors, duplication, ambiguities, or fraud in the information that you provide. You agree not to impersonate any person or use a name that you are not authorized to use. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, we reserve the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.
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.
Qualifications & exceptions
The separately stated unauthorized-transfer reimbursement and covered consumer EFT protections remain relevant.