Financial institutions move the money; Zelle provides the network
The service uses aliases such as email addresses and mobile numbers to connect enrolled customers at participating institutions. Zelle itself provides no deposit account or other financial services and does not move money; a Network Financial Institution transmits the funds.
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Supporting quotations
Zelle® enables you to send and receive money with customers who are enrolled with us or with another financial institutions that partners with Zelle® (each, a “User”) using aliases, such as email addresses, mobile phone numbers, or other unique identifiers (the “Service”).
Zelle® provides no deposit account or other financial services. Zelle® neither transfers nor moves money. You may not establish a financial account with Zelle® of any kind. All money will be transmitted by a Network Financial Institution.
"Network Financial Institution" means any financial institution which is participating in, or cooperating with Zelle® and the Zelle® Transfer Service. We are a Network Financial Institution.
Charges & Financial Obligations · Restriction or exception
Zelle is intended for people you know and trust
The service warns against sending to unfamiliar or untrusted recipients. Authorized purchases have no Zelle purchase protection if goods fail to arrive or disappoint. This does not eliminate reimbursement for unauthorized transactions or certain qualifying imposter scams; contact Wells Fargo to dispute those transactions. Payments to enrolled recipients generally cannot be canceled; cancellation is available when the recipient has not enrolled the email or U.S. mobile number used.
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Supporting quotations
THE ZELLE® TRANSFER SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY, AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE ZELLE® TRANSFER SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.
THE ZELLE® TRANSFER SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® TRANSFER SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.
You may send money to another User at your initiation or in response to that User’s request for money. For your protection, you should only send money to people and entities you know and trust. You understand that use of this Zelle® Transfer Service by you shall at all times be subject to (i) this Addendum, and (ii) your express authorization at the time of the transaction for us to initiate a debit entry to your Funding Account. You understand that when you send the payment, you will generally have no ability to stop it. You may only cancel a payment if the person to whom you sent the money has not yet enrolled their email address or U.S. mobile phone number in the Zelle® Transfer Service. If the person you sent money to has already enrolled with Zelle®, with a Network Financial Institution, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.
Qualifications & exceptions
Unauthorized transactions and certain qualifying imposter scams have reimbursement availability.
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.
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.
Charges & Financial Obligations · Restriction or exception
Brokerage funding is available only for your own eligible account
Where offered, Zelle can move money from an eligible Funding Account to an eligible brokerage account you own. Requests can expire and transfers can be delayed, declined or blocked for fraud, security, risk or regulatory reasons. Once authorized and processed they generally cannot be canceled, and the receiving brokerage account's terms apply.
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Where available, the Service may also be used to transfer funds from an eligible Funding Account to an eligible brokerage account owned by you.
Where available, you may use the Zelle® Transfer Service to transfer funds from an eligible Funding Account to an eligible brokerage account owned by you. Brokerage Funding Transfers may only be used to fund your own brokerage account. Funding requests may expire if not acted upon, and transfers may be delayed, declined, or blocked for fraud prevention, security, risk management, or regulatory compliance purposes. Once authorized and processed, Brokerage Funding Transfers generally cannot be canceled or stopped. Brokerage Funding Transfers are subject to the terms and conditions governing the brokerage account receiving the funds.
"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
Available only where the service offers the feature and both accounts are eligible.
Charges & Financial Obligations · Restriction or exception
Initiated transfers must be for your own account, without paid intermediation
The general permission to perform transfers is accompanied by your representations that each initiated transfer is for your own account, not someone else's, and that no other person compensates you for initiating it. Wells Fargo may add features and decline any transfer it believes may violate applicable law.
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You may use the Zelle® Transfer Service to perform Transfer Transactions.
We may from time to time make available additional or new features to the Zelle® Transfer Service. We may at any time decline any Transfer Transaction that we believe may violate applicable law.
You represent and warrant to us that:
all Transfer Transactions you initiate are for your own account, and not on behalf of another person,
you are not receiving any fee or compensation from any other person in return for initiating a Transfer Transaction
Charges & Financial Obligations · Restriction or exception
Payments to enrolled recipients generally cannot be canceled
You can initiate a payment or respond to a request, but must expressly authorize the account debit at the transaction and should send only to trusted recipients. Cancellation is available only if the recipient has not enrolled the email or U.S. mobile number used. Payments to enrolled recipients cannot be revoked, and processed transfers cannot be stopped. Payment disputes generally are yours to resolve, subject to law, regulation and applicable consumer EFT protections described in Section 13.
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Supporting quotations
You may send money to another User at your initiation or in response to that User’s request for money. For your protection, you should only send money to people and entities you know and trust. You understand that use of this Zelle® Transfer Service by you shall at all times be subject to (i) this Addendum, and (ii) your express authorization at the time of the transaction for us to initiate a debit entry to your Funding Account. You understand that when you send the payment, you will generally have no ability to stop it. You may only cancel a payment if the person to whom you sent the money has not yet enrolled their email address or U.S. mobile phone number in the Zelle® Transfer Service. If the person you sent money to has already enrolled with Zelle®, with a Network Financial Institution, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.
Transfer Transactions that have been processed cannot be cancelled or stopped. 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
The cancellation exception concerns recipients not yet enrolled; legal and applicable consumer EFT protections remain.
Charges & Financial Obligations · Company practice
Transfers usually take minutes, but security checks and other institutions can delay them
Most transfers occur in minutes. Identity verification, fraud prevention or regulatory requirements may delay or block payment. Wells Fargo says it will notify you according to your email, push or text preferences if it or Zelle delays or blocks your initiated payment. Neither controls other Users' or institutions' actions that can delay or prevent delivery.
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In most cases, when you are sending money to another User, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle® and the other Network Financial Institutions, we may need additional time to verify your identity or the identity of the person receiving the money.
The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we or Zelle® delay or block a payment that you have initiated, we will notify you in accordance with your communication preferences (i.e., email, push notification, text message).
Neither we nor Zelle® have control over the actions of other Users, other Network Financial Institutions or other financial institutions that could delay or prevent your money from being delivered to the intended User.
An unenrolled recipient must enroll to receive the money
An unenrolled recipient gets an email or text with enrollment instructions. If they fail to enroll or ignore the notice, the transfer does not occur and funds return to the Funding Account. Wells Fargo may debit you immediately and hold the money pending completion; for an unenrolled recipient, that hold may last up to fifteen business days before sending or returning it.
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If you are sending money to someone who has not enrolled as a User with Zelle®, or with a Network Financial Institution, they will receive a text or email notification instructing them on how to enroll to receive the money. You understand and acknowledge that a person to whom you are sending money and who is not enrolled as a User may fail to enroll with Zelle®, or otherwise ignore the payment notification and the transfer will not occur and funds will be returned to funding account.
You agree that each payment instruction you give us is an authorization to send money on your behalf. You authorize us to withdraw the money from your Funding Account immediately upon receiving your instruction for the Transfer Transaction and to place the money in a suspense account pending completion of the Transfer Transaction. You understand and agree that in the case of a Transfer Transaction to a person who has not yet enrolled in the Zelle® Transfer Service, we may hold your money in the suspense account for up to fifteen business days before either returning the money to you or sending it to the recipient.
Qualifications & exceptions
Return need not be immediate: the suspense-account hold can last up to fifteen business days.
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.
Charges & Financial Obligations · Restriction or exception
Account rules and risk controls can restrict transfer frequency
Wells Fargo states no general number-of-transfers limit here, but you cannot exceed the number your account rules allow. It may change sending limits, frequency and dollar amounts for security or risk management.
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We do not limit the number of transfers you may make; however, you may not make transfers in excess of the number allowed by the rules governing the applicable accounts. We may from time to time, for security and risk management reasons, modify the limit, the frequency, and the dollar amount of money you can send using the Zelle® Transfer Service.
Charges & Financial Obligations · Restriction or exception
Reversed or disputed incoming payments can be debited from your other Wells Fargo accounts
You are responsible for the full amount of an incoming credit later reversed for any reason. Wells Fargo may take all or part of a reversed or disputed transfer, plus applicable fees, from the receiving account or any other account you hold with it, without prior notice. The paragraph assigns disputes with the sender to you. Separate Section 13 provisions apply to consumer-account EFTs covered by Regulation E; this reversal paragraph is not the entire consumer-protection framework.
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You agree that you are responsible for the full amount of any Transfer Transaction we credit to your Deposit Account which is later reversed for any reason. You agree that we may withdraw the full amount, or any portion, of any reversed or disputed Transfer Transaction, plus any applicable fees, from your Deposit Account or from any other account you have with us, without prior notice to you. You agree that you, and not we, will be responsible for resolving any payment dispute with any User from whom you receive money through a Transfer 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.
Charges & Financial Obligations · Restriction or exception
Requests go to enrolled identifiers and do not guarantee payment
If Wells Fargo offers requests, they must go to an email, U.S. mobile number or tag enrolled through Wells Fargo, Zelle or a network institution. A recipient may ignore, refuse or underpay. Neither Wells Fargo nor Zelle guarantees the amount or takes responsibility for those outcomes; they may choose not to remind the recipient and need not tell you whether the request was received.
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We may, at our option, offer you the ability to send a request for money to another User. You understand and agree that:
All requests for money must be delivered to an enrolled email address, U.S. mobile number or Zelle® tag with us, Zelle® or a Network Financial Institution.
Users to whom you send payment requests may decline or ignore your request. Neither we nor Zelle® guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. Neither we nor Zelle® accept responsibility if a User rejects or ignores your request, or sends you an amount that is less than you request. If a User ignores your request, we may decide or Zelle® may decide, in our sole discretion, that we will not send a reminder or repeat request to that User. We have no obligation to advise you on whether or not the request has been received.
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.
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.
Charges & Financial Obligations · Restriction or exception
Requests are not verified by Wells Fargo or Zelle
You agree to receive requests and send them only for legitimate, lawful purposes. Requests are solely between sender and recipient; neither company reviews or verifies them, accepts responsibility for accuracy or legality, or acts as a debt collector for either side.
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You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or verified by us or by Zelle®. Neither we nor Zelle® assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.
Charges & Financial Obligations · Restriction or exception
Users other than small businesses may have at most 35 pending requests
The addendum caps simultaneous pending requests at 35 unless you are a small business. It does not state a numerical small-business pending-request cap in this clause.
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Unless you are a small business, you may not have more than 35 pending requests at any one time.
Qualifications & exceptions
Small businesses are excepted from this stated cap.
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.
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.
Charges & Financial Obligations · User right or choice
Reporting a lost access device within two Business Days caps stated liability at $50 or less
For covered consumer-account EFTs involving a lost or stolen access device, including username and password, notice within two Business Days after learning of the loss limits liability to the lesser of $50 or unauthorized EFTs before notice. These rules exclude brokerage EFTs and business accounts. Extenuating circumstances causing delay extend the stated times by a reasonable period.
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Except for EFTs to or from brokerage accounts, your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
Event: Loss or theft of Access Device (including username and password)
If you notify us... Your liability won't exceed...
Within two Business Days after learning of the loss or theft. Lesser of $50, OR the total amount of unauthorized EFTs that occur before notice to us.
If your delay in notifying us was due to extenuating circumstances, we’ll extend the times specified in the immediately preceding paragraphs to a reasonable period.
Note that these liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and do not apply to business accounts.
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
Applies to Regulation E consumer-account transfers, not business or brokerage accounts; extenuating-circumstance extensions apply.
Charges & Financial Obligations · Restriction or exception
Later lost-device notice can increase stated liability up to $500
If you report more than two Business Days after learning of access-device loss or theft, but within 60 days after the statement showing the first unauthorized device transfer was sent, the cap is the lesser of $500 or this sum: the lesser of $50 or unauthorized EFTs in the first two Business Days, plus unauthorized EFTs after those two days and before notice. This applies to covered consumer EFTs, not business or brokerage accounts, and notification times extend reasonably for extenuating circumstances.
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Event: Loss or theft of Access Device (including username and password)
More than two Business Days after learning of the loss or theft of your Access Device up to 60 days after we send you a statement showing the first unauthorized transfer made with Access Device.
Lesser of $500, OR the sum of:
a) $50 or the total amount of unauthorized EFTs occurring in the first two Business Days whichever is less; AND
b) the amount of unauthorized EFTs occurring after two Business Days and before notice to us.
If your delay in notifying us was due to extenuating circumstances, we’ll extend the times specified in the immediately preceding paragraphs to a reasonable period.
Note that these liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and do not apply to business accounts.
Except for EFTs to or from brokerage accounts, your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
Qualifications & exceptions
The 60-day period runs from sending the statement, while the two-Business-Day period runs from learning of device loss or theft.
Charges & Financial Obligations · Restriction or exception
Waiting beyond the statement's 60-day window can expose later lost-device transfers to unlimited liability
For notice more than 60 days after the statement first showing an unauthorized access-device EFT was sent, transfers within that 60-day period have a cap equal to the lesser of $500 or the sum of: the lesser of $50 or first-two-Business-Day unauthorized EFTs, plus later unauthorized EFTs before notice. For transfers after the 60-day period, liability may be unlimited until notice. The rule concerns covered consumer EFTs, excludes business and brokerage accounts, and allows reasonable extensions for extenuating circumstances.
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Event: Loss or theft of Access Device (including username and password)
More than 60 days after we send you a statement showing first unauthorized EFT made with Access Device.
For transfers occurring WITHIN the 60 day period: Lesser of $500, OR the sum of:
(a) $50 or the total amount of unauthorized EFTs occurring in the first two Business Days whichever is less; AND
(b) the amount of unauthorized EFTs occurring after two Business Days and before notice to us.
For transfers occurring AFTER the 60 day period, you may have unlimited liability, until you notify us.
If your delay in notifying us was due to extenuating circumstances, we’ll extend the times specified in the immediately preceding paragraphs to a reasonable period.
Note that these liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and do not apply to business accounts.
Except for EFTs to or from brokerage accounts, your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
Qualifications & exceptions
Potential unlimited liability concerns transfers after the 60-day period, not automatically all earlier transfers.
Charges & Financial Obligations · User right or choice
Without device loss or theft, reporting within 60 days carries no stated liability
For covered unauthorized consumer EFTs not involving loss or theft of an access device, including credentials, notice within 60 days after the statement first showing the transfer was sent carries no liability under this table. Later notice exposes unauthorized EFTs occurring after that 60-day window and before notice to unlimited liability. Business and brokerage accounts are excluded, and extenuating circumstances extend notification times reasonably.
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Event: Unauthorized EFT(s) NOT involving loss or theft of an Access Device (including username and password)
If you notify us... Your liability won't exceed...
Within 60 days after we send you a statement on which the unauthorized transfer first appears. No liability.
More than 60 days after we send you a statement on which the unauthorized transfer first appears. Unlimited liability for unauthorized EFTs occurring 60 days after the statement and before notice to us.
If your delay in notifying us was due to extenuating circumstances, we’ll extend the times specified in the immediately preceding paragraphs to a reasonable period.
Note that these liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and do not apply to business accounts.
Except for EFTs to or from brokerage accounts, your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:
Qualifications & exceptions
This is the table for no access-device loss or theft; the lost-device table uses different limits.
Report errors promptly by phone, mail or the online form
For suspected errors or unauthorized transfers, contact Wells Fargo at 1-800-956-4442, available 24/7; mail Wells Fargo Bank, N.A., P.O. Box 6995, Portland, OR 97228-6995; or sign in and use the appropriate form. Give your name and account number if any, describe the questioned transfer and why you suspect an error or need details, and provide its amount and date. The stated deadline to limit subsequent unauthorized-transfer liability or report other errors is 60 days from sending the first statement showing the problem; the separate lost-device rules can make earlier notice important. Brokerage errors follow the brokerage agreement.
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Here’s how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made:
Phone. 1-800-956-4442 , 24 hours a day, 7 days a week.
Paper Mail. Wells Fargo Bank, N.A., P.O. Box 6995, Portland, OR 97228-6995.
Online. Sign on to the Service with your username and password and use the appropriate form.
To notify us of errors in brokerage account transfers, follow the procedures in your brokerage account agreement.
To limit your liability for subsequent unauthorized transfers, or to report any other errors, we must hear from you no later than 60 days after the date we send the first statement on which the problem or error appeared.
When contacting us about an error or with questions, please tell us:
Your name and account number (if any).
About the error or the transfer you question, and clearly explain why you believe it is an error or why you need more information.
The dollar amount and date of the suspected error.
Within two Business Days after learning of the loss or theft. Lesser of $50, OR the total amount of unauthorized EFTs that occur before notice to us.
Qualifications & exceptions
Brokerage-account error reporting uses the separate brokerage agreement.
Charges & Financial Obligations · Company commitment
Error investigations normally use a ten-Business-Day decision or provisional-credit timetable
For covered consumer-account EFT errors, Wells Fargo says it will determine whether an error occurred within 10 Business Days of hearing from you and promptly correct errors. If more time is needed, it will notify you of an extension up to 45 days and provisionally credit the disputed amount within 10 Business Days for your use during investigation. A phone complaint may require written follow-up within 10 Business Days; failure to provide requested writing can forfeit provisional credit. New-account investigations may take up to 90 calendar days and provisional credit up to 20 Business Days.
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If you report a problem by phone, we may ask you to submit your complaint or question in writing within 10 Business Days. We’ll determine whether an error occurred within 10 Business Days after we hear from you and will promptly correct any error. If we need more time to conduct our investigation, we’ll notify you of our need for an extension of up to 45 days. If we decide to do this, we’ll provisionally credit your account within 10 Business Days for the amount you think is in error, so you can use the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and don’t receive it within 10 Business Days, we may not provisionally credit your account.
For errors involving new accounts, our investigation may take up to 90 calendar days. For new accounts, we may take up to 20 Business Days to credit your account for the amount you think is in error.
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
New accounts have longer periods; requested written confirmation conditions provisional credit.
Complaints through the offered website process count as written notice
Wells Fargo may let you initiate or monitor certain complaints or questions on its website. A complaint or question initiated through that provided process counts as written notification; this does not say every electronic message does.
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We may permit you to initiate or monitor the status of certain kinds of complaints or questions electronically on the Website. Complaints or questions you initiate via the process we provide on the Website will be considered as written notification.
Charges & Financial Obligations · Company commitment
Investigation results are due within three Business Days after completion
For covered consumer EFT errors, Wells Fargo will tell you results within three Business Days after completing its investigation. If it finds no error, it will send a written explanation; you may request copies of documents used in the investigation.
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We will tell you the results within three Business Days after completing our investigation. If we decide that there was no error, we will send you a written explanation and you can ask for copies of the documents that we used in our investigation.
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.
Charges & Financial Obligations · User right or choice
Covered consumer EFTs generate monthly statements in active months
You can call the Phone Bank number on your account statement to find out whether an EFT was credited or debited. Wells Fargo sends a monthly statement when an EFT occurred and otherwise at least quarterly. Completed and pending transfer history is also available through account activity or statements.
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You have the right to find out whether an EFT was credited to or debited from your Wells Fargo account. Please contact the Wells Fargo Phone Bank at the number listed on your statement for your Wells Fargo Account. We will send you a monthly statement if there is an EFT in a particular month. Otherwise, we will send you a statement at least quarterly.
You may also access a history of all fund transfers completed or pending at any time by viewing your account activity or statements.
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
These documentation provisions sit within the consumer-account EFT section.
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.
Early Warning owns the Zelle trademarks used under license
The source identifies Zelle and related marks as wholly owned by Early Warning Services, LLC and used here under license. This statement does not grant users a trademark license.
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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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.
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.
Charges & Financial Obligations · User right or choice
Purchase protection is excluded, but some unauthorized and scam payments can be reimbursed
Zelle is for trusted recipients, not unfamiliar or untrusted ones. It offers no purchase protection for authorized payments when goods or services fail to arrive, are damaged or differ from expectations. The source expressly says reimbursement is available for unauthorized transactions and certain qualifying imposter scams and directs you to contact Wells Fargo to dispute a transaction.
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THE ZELLE® TRANSFER SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE® TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. ZELLE® DOES NOT OFFER PURCHASE PROTECTION FOR AUTHORIZED PAYMENTS MADE THROUGH THE ZELLE® TRANSFER SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.
Qualifications & exceptions
Only certain qualifying imposter scams are included, not every scam or disappointing purchase.
Not stated here
This paragraph does not define which imposter scams qualify.
Cross-references
contrast (model-proposed): Wells Fargo asserts broad exclusions for account access and transfer-related losses — 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.
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.
Sharing & Disclosure · Permission or license
Using Zelle authorizes recipient messages on your behalf
The introduction says each use or access authorizes recipient emails and texts. The sending provision specifically authorizes Wells Fargo or Zelle to send transaction messages to the recipient when you send money, on your behalf.
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your agreement that each time you use or access the Zelle® Transfer Service, you are authorizing and instructing us to send emails and text messages to the recipient on your behalf;
Each time you send money using the Zelle® Transfer Service, you are also authorizing and instructing either us or Zelle® to send emails and text messages to the recipient concerning the Transfer Transaction. You agree that these emails and text messages are sent on your behalf. Please note:
Charges & Financial Obligations · Restriction or exception
Certain debts cannot be requested through Zelle
You agree not to request overdue or defaulted debts, court-ordered amounts such as alimony or child support, gambling debts, or debts owed to someone else. The detailed request provision also requires you to indemnify and defend the named bank and network parties against claims and costs arising from requests related to overdue or delinquent amounts.
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your agreement that if you request money from another person using the Zelle® Transfer Service it will not be for an overdue or defaulted debt, court-ordered amounts such as alimony or child support, a gambling debt, or a debt owed to someone other than you;
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.
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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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.
Account & Service Control · Context
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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"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.
Charges & Financial Obligations · Context
Zelle carries transaction messages between financial institutions
Zelle means the network operated by Early Warning Services, LLC, facilitating transaction messages between institutions. Wells Fargo is a participating Network Financial Institution; that term also includes institutions cooperating with the network. A User's Financial Institution holds the account authorized to send or receive a transfer. 'Wells Fargo' includes the bank and affiliates or subsidiaries involved in providing this service.
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"Network Financial Institution" means any financial institution which is participating in, or cooperating with Zelle® and the Zelle® Transfer Service. We are a Network Financial Institution.
"User’s Financial Institution" means any financial institution, including a Network Financial Institution, holding a User’s account that the User has authorized to send or receive a transfer of money as a result of a Transfer Transaction.
"We," "Us," "Our" and "Wells Fargo" means Wells Fargo Bank, N.A. and any of its affiliates or direct or indirect subsidiaries, involved in the provision of the Zelle® Transfer Service.
"Zelle®" refers to the Zelle Network® operated by Early Warning Services, LLC, which facilitates the exchange of Transfer Transaction messages between financial institutions.
Transfer Transactions include both payments and payment requests
The defined term includes sending money from a Funding Account, receiving money into a Deposit Account, sending a request for money, and receiving a request to pay. A provision using this defined term may therefore cover a request as well as an actual funds transfer.
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"Transfer Transaction" means a transaction initiated through the Zelle® Transfer Service to:
transfer money out of your Funding Account to a User;
receive a transfer of money into your Deposit Account from a User;
send a request to a User asking the User to transfer money to you using the Zelle® Transfer Service; and/or
receive a request from a User asking you to transfer money to them using the Zelle® Transfer Service.
Content & IP Rights · Restriction or exception
Content rules cover deception, harmful material and competing advertisements
You must not transmit false, misleading, unlawful, obscene, abusive or threatening material; material encouraging crime or civil liability; content violating duties or others' rights; or corrupted or harmful files. Advertising products or services Zelle considers competitive is prohibited. Wells Fargo or Zelle can also reject content they consider objectionable, obstructive or potentially harmful, and Wells Fargo reserves discretion to identify other prohibited uses at any time.
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You agree that you will not upload or provide content or otherwise post, transmit, distribute, or disseminate through the Zelle® Transfer Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle®, as determined by Zelle® in its sole discretion; or (f) in Zelle®‘s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Zelle® Transfer Service, or which may expose us, Zelle® or our respective affiliates or customers to harm or liability of any nature.
We reserve the right to determine other prohibited uses of the Zelle® Transfer Service at our sole discretion, and at any time.
Content & IP Rights · Permission or license
Wells Fargo and Zelle can remove content without notice
Neither undertakes a duty to monitor content, but both reserve discretion to remove it at any time for any reason without notice or monitor it for fraud and term violations. They disclaim responsibility for content and loss of your content, warn that you may encounter offensive material, and do not warrant that profile content identifies its user accurately. The general liability provision remains subject to applicable law and other provisions of the addendum.
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Although neither we nor Zelle® have any obligation to monitor any content, both we and Zelle® have absolute discretion to remove content at any time and for any reason without notice. We and Zelle® may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions in this Addendum. You understand that by using the Zelle® Transfer Service, you may be exposed to content that is offensive, indecent, or objectionable. We and Zelle® are not responsible, and assume no liability, for any content, including any loss or damage to any of your content. We and Zelle® make no representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Zelle® Transfer Service.
EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW
Qualifications & exceptions
The general liability limitation is subject to applicable law and exceptions elsewhere in the addendum.
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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Supporting quotations
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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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.
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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Supporting quotations
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.
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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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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Supporting quotations
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.
Content & IP Rights · Restriction or exception
A Zelle tag requires an eligible mobile number and can be removed without notice
Where tags are offered, this alphanumeric alias can replace your email or number for sending and receiving. Each tag needs an eligible U.S. mobile number, is subject to a number limit and the content standards, and cannot mislead others. Wells Fargo and Zelle may remove, disable or require changes to tags at their discretion without notice, and may monitor for fraud or violations without promising to monitor. They disclaim responsibility for tags and do not guarantee they identify a user accurately. Users must respect intellectual-property laws; content subject to rights claims can lead to service limits or termination.
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Supporting quotations
The Zelle® Transfer Service may include functionality for you to add a unique alpha-numeric identifier to your enrolled User profile to be used in lieu of your U.S. mobile phone number or email address when sending or receiving money, which will be your Zelle® tag. Each Zelle® tag must have an eligible U.S. mobile phone number associated with it and there will be a limit on the number of Zelle® tags you may use. Your Zelle® tag must meet the content standards in Section 1.C above. You may not select a Zelle® tag that misleads or deceives other Users of the Zelle® Transfer Service as to your identity, or otherwise. Although neither we nor Zelle® have any obligation to monitor User Zelle® tags, both we and Zelle® have absolute discretion to remove a User Zelle® tag at any time and for any reason without notice. We and Zelle® may require you to change your Zelle® tag in our sole discretion, and we may elect to make a Zelle® tag unavailable to you, without any liability of us/Zelle® to you. We and Zelle® may also monitor User Zelle® tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle® Transfer Service, you may be exposed to a Zelle® tag that is offensive, indecent, or objectionable. We and Zelle® are not responsible, and assume no liability, for any User Zelle® tags, including any loss or damage caused thereby. We and Zelle® make no representation or warranty that a User Zelle® tag accurately identifies a particular User of the Zelle® Transfer Service. We respect the intellectual property of others and require that Users of the Zelle® Transfer Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for Users who use or publish content on the Zelle® Transfer Service that is subject to intellectual property rights claims.
Qualifications & exceptions
The feature is optional and may not be offered.
Charges & Financial Obligations · Permission or license
Enrollment enables sending and receiving subject to the transfer rules
After enrollment you may authorize account debits to send money, including in response to requests, or receive money initiated by others or requested by you. Sending remains subject to Section 10.B and express debit authorization at the transaction; payments to enrolled recipients generally cannot be canceled. The receiving statement points to Section 12.A's requesting-money conditions, rather than promising unrestricted receipt or collection.
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Once enrolled, you may:
authorize a debit of your account to send money to another User either at your initiation or at the request of that User, subject to the terms and conditions outlined in Section 10.B and
receive money from another User either at that User’s initiation or at your request, subject to the conditions of Section 12.A below titled "Requesting Money."
You may send money to another User at your initiation or in response to that User’s request for money. For your protection, you should only send money to people and entities you know and trust. You understand that use of this Zelle® Transfer Service by you shall at all times be subject to (i) this Addendum, and (ii) your express authorization at the time of the transaction for us to initiate a debit entry to your Funding Account. You understand that when you send the payment, you will generally have no ability to stop it. You may only cancel a payment if the person to whom you sent the money has not yet enrolled their email address or U.S. mobile phone number in the Zelle® Transfer Service. If the person you sent money to has already enrolled with Zelle®, with a Network Financial Institution, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.
Qualifications & exceptions
Sending and requesting remain subject to their separately stated conditions.
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.
Sharing & Disclosure · Company practice
Other Users may see which email addresses or numbers are enrolled
A Z logo may appear beside your enrolled mobile numbers or emails and be shown to other Users to help route payments. If someone uses an unenrolled email or number for you, a message gives enrollment instructions. If you choose a Zelle tag, its associated profile mobile number is the service's communication contact and must satisfy the stated requirements.
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Supporting quotations
Once enrolled, a Z logo may appear on your profile for each U.S. mobile number and/or email address that you have enrolled with Zelle®. The Z logo may be displayed to other Users to aid them in determining which of your U.S. mobile numbers or email addresses should be used to send money with Zelle®. If a User sends you money using a different U.S. mobile number or email address that they may have for you (one that is not already enrolled), you will receive a message with instructions on how to enroll with Zelle®. If you enroll for the Service and select to use a Zelle® tag, the mobile phone number associated with your User profile will be used as the contact method for communication related to the Service and must meet the requirements described herein.
Sharing & Disclosure · Permission or license
Recipient messages can disclose your name and enrolled identifiers
Sending money authorizes Wells Fargo or Zelle to send transaction emails and texts on your behalf. They may identify you by name, mobile number, email or tag and say they act on your instructions. Messages and push notifications sent for you may also include your name.
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Each time you send money using the Zelle® Transfer Service, you are also authorizing and instructing either us or Zelle® to send emails and text messages to the recipient concerning the Transfer Transaction. You agree that these emails and text messages are sent on your behalf. Please note:
These emails and text messages may identify you by name, mobile phone number, email address, and/or Zelle® tag, and may state that we are sending them on your behalf and according to your instructions.
You understand and agree that any emails or text messages and push notifications sent on your behalf may include your name.
Qualifications & exceptions
This operative recipient-message authorization applies when you send money.
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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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.
Charges & Financial Obligations · Restriction or exception
Carrier charges and delivery limits apply to Zelle messages
You pay related carrier data, text and other messaging charges. The agreement says the wireless carrier is not liable for delayed or failed messages to or from Wells Fargo or Zelle, including messages on your behalf. Many carriers support service texts, but you should check availability with yours.
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Supporting quotations
You are responsible for any fees or other charges that your wireless carrier may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees, as message and data rates may apply.
Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle®, including messages that you may send through us or through Zelle® or that we may send or Zelle® may send on your behalf.
Supported Carriers: Zelle ® Transfer Service text messages are supported by many mobile carriers. Please check with your individual mobile carrier to confirm availability.
Account & Service Control · User right or choice
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.
Carrier account and device information may be used to verify identity and prevent fraud
Wells Fargo or Zelle may use information held by your wireless carrier to verify identity and prevent fraud or unauthorized use. Using the service authorizes your carrier to use or disclose available account and device information to Wells Fargo or its service provider for the duration of your business relationship, solely to identify you or your device and prevent fraud. Separate linked privacy notices address data handling.
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We or Zelle® may use information on file with your wireless carrier to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle® Transfer Service. By using the Zelle® Transfer Service, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Wells Fargo or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud. See the Zelle® Privacy Notice for how Zelle® treats your data, and our applicable Privacy Notices for how we treat your data.
Qualifications & exceptions
Carrier disclosure is limited to identity/device identification and fraud prevention during the business relationship.
Not stated here
The linked privacy notices are not supplied here.
Charges & Financial Obligations · Company practice
Wells Fargo currently charges no Zelle service fee, but other fees can apply
Carrier messaging and data charges, account fees such as monthly service or overdraft charges, and another institution's fees can still apply. Wells Fargo reserves future Zelle fees, with reasonable notice as required by law, deducted from the Funding Account used for the transfer.
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We do not charge a fee for using the Zelle® Transfer Service. However, fees associated with text messaging may be assessed by your mobile carrier, and data rates may apply. Account fees (e.g., monthly service, overdraft, Small Business Account Analysis fees) may also apply to your account(s) that you use for the Zelle® Transfer Service. In addition, fees may apply if you use the Zelle® Transfer Service through another financial institution. We reserve the right to assess fees in connection with the Zelle® Transfer Service in the future. If we do assess fees, we will give you reasonable notice as required by law and deduct any applicable fees from the Funding Account used for the Transfer Transaction.
Qualifications & exceptions
No current service fee does not waive account, carrier or other-institution charges.
Charges & Financial Obligations · Permission or license
You authorize account access needed to complete transfers
You authorize access to your Funding and Deposit Accounts to initiate and complete transfers. The related limited power of attorney covers account access, transfer completion and instruction verification while using the service. It revokes once Wells Fargo actually knows you wish to stop and has a reasonable opportunity to act; good-faith acts before that remain authorized, and subsequent incapacity does not end it.
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Supporting quotations
You authorize us to provide access to your Funding Account and Deposit Account through the Zelle® Transfer Service to initiate and complete Transfer Transactions.
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.
Qualifications & exceptions
Limited to transfer-related account access while using the service; revocation requires actual knowledge and reasonable opportunity to act.
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.
Not stated here
The linked help and OAA procedures are not reproduced in this addendum.
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.
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.
Sharing & Disclosure · Context
Linked privacy policies govern information except where the addendum says otherwise
Wells Fargo states that security and information protection are priorities and generally applies its U.S. Consumer Privacy Notice and Digital Privacy and Cookies Policy to information collected through Zelle. The addendum expressly allows exceptions: it includes a waiver of privacy-notice provisions that would prevent sharing listed identifying information in a transfer to which you are a party. The linked policies' full terms are not included here.
The information we provide may include your first and last name, social security number, date of birth, address, mobile phone number, email address, your Zelle® QR Code, your Zelle® tag, and/or any other enrolled alias of yours. You irrevocably waive any provision of our Wells Fargo U.S. Consumer Privacy Notice, which would prevent us from providing this information in connection with any Transfer Transaction to which you are a party.
Qualifications & exceptions
The addendum's specific exceptions qualify the general privacy-policy reference.
Not stated here
The linked privacy notices are not supplied here; their full data-handling rules cannot be described from this source.
Your identifiers can be linked to accounts across the Zelle network
You authorize each network institution to use associated emails, U.S. mobile numbers and tags to process and route transfers. If you receive an email or text transfer notice and authorize or accept completion, you also authorize all network institutions and Zelle to associate the identifier with you and your funding and receiving accounts.
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Supporting quotations
You authorize each Network Financial Institution to use the email addresses, U.S. mobile phone numbers, and/or Zelle® tags, that are associated with you to process and route Transfer Transactions to and from your Funding and Deposit Accounts.
In particular, if you:
receive notice of a Transfer Transaction via any email address or via text message at any mobile phone number, and
authorize or accept completion of the Transfer Transaction, then
you are also authorizing all Network Financial Institutions and Zelle® to associate that email address, mobile phone number, or Zelle® tag, with you and with your Funding and Deposit Accounts.
Qualifications & exceptions
The additional association authorization follows both receipt of notice and authorization or acceptance of completion.
Sharing & Disclosure · Permission or license
Transfer-related sharing may include Social Security number and other identifiers
Wells Fargo may disclose information to Users involved in attempted or completed payments with you, their institutions, Zelle and anyone processing, facilitating or delivering your transfer. The listed data include name, Social Security number, birth date, address, phone, email, QR code, tag and other enrolled aliases. You irrevocably waive privacy-notice provisions that would prevent this transfer-related sharing. The clause lists possible data and recipients; it does not specify which recipient receives each field in practice.
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Supporting quotations
You agree that we may provide information about you to:
any User you send or attempt to send funds to, or receive or attempt to receive funds from, using the Zelle® Transfer Service, and
any User’s Financial Institution, Zelle®, or any other person engaged in processing, facilitating, or delivering Transfer Transactions to which you are a party.
The information we provide may include your first and last name, social security number, date of birth, address, mobile phone number, email address, your Zelle® QR Code, your Zelle® tag, and/or any other enrolled alias of yours. You irrevocably waive any provision of our Wells Fargo U.S. Consumer Privacy Notice, which would prevent us from providing this information in connection with any Transfer Transaction to which you are a party.
Qualifications & exceptions
Sharing and the waiver concern a Transfer Transaction to which you are a party.
Not stated here
The source does not map individual data fields to each recipient.
Wells Fargo may obtain additional information for legal compliance
The bank may obtain information it deems reasonably necessary to check that use complies with law, including anti-money-laundering rules and restrictions concerning accounts blocked under the cited U.S. Treasury OFAC regulations. The provision does not supply those regulations' contents.
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Supporting quotations
You agree that we may obtain such additional information as we deem reasonably necessary to ensure that you are not using our Zelle® Transfer Service in violation of law, including, but not limited to, laws and regulations designed to prevent “money laundering” or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.
Qualifications & exceptions
The stated standard is information deemed reasonably necessary to prevent unlawful use.
Use & Processing · Permission or license
You license use and distribution of supplied data to provide Zelle transfers
To process transfers or provide the service, you license Wells Fargo to use, copy, modify, update, display and distribute information or data you supply. Completing transfers may require communication with institutions and other participants. This license is tied to those service and processing purposes.
Details not recorded for this card
Supporting quotations
You understand that in order to complete transfers using the Zelle® Transfer Service, it may be necessary for us to communicate with other financial institutions and other participants in the Zelle® Transfer Service concerning the Transfer Transactions. You agree that we may use, copy, modify, update, display, and distribute to other persons any information or data you provide to us for the purpose of processing Transfer Transactions or providing the Zelle® Transfer Service, and you give us a license to do so.
Qualifications & exceptions
For processing transfers or providing the service.
Sharing & Disclosure · Permission or license
Network institutions can share information for transfers and supporting services
You authorize Wells Fargo and other network institutions to use supplied information and transaction information to initiate and complete transfers and provide supporting services. Authorized recipients include attempted or actual payment counterparties, Zelle, counterparties' institutions and intermediaries or services facilitating or processing the transaction.
Details not recorded for this card
Supporting quotations
You authorize us and other Network Financial Institutions to use information you provide to us, and information concerning your Transfer Transactions in order to:
initiate and complete Transfer Transactions, and
provide ancillary and supporting services to facilitate your Transfer Transactions and use of the Zelle® Transfer Service.
Your authorization includes, but is not limited to, providing such information to:
Users to whom you send or attempt to send funds, or from whom you receive or attempt to receive funds, using the Zelle® Transfer Service,
Zelle®,
User’s Financial Institutions, and
any intermediary or service that is in any way facilitating or processing the Transfer Transaction.
Qualifications & exceptions
Use supports transfers and services facilitating them.
Sharing & Disclosure · Permission or license
Account and transfer data may go to processors, credit bureaus and merchants
Wells Fargo may disclose account or transfer information to third parties to process transactions or verify the account's existence and condition. Examples include transaction processors, clearinghouses, credit bureaus and merchants; this is not described as an unrestricted disclosure permission.
Details not recorded for this card
Supporting quotations
We may also disclose information to third parties about your account or the transfers you make, in order to process your transactions or to verify the existence and condition of your account. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants.
Qualifications & exceptions
For transaction processing or account verification.
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.
Details not recorded for this card
Supporting quotations
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.
Data Access & Collection · Company practice
Wells Fargo keeps logs of access to and use of electronic data
The bank will maintain audit logs tracking your access, viewing and use of electronic data through Zelle. Logs may include detailed transactions and communications with other participants; the clause gives no retention period.
Details not recorded for this card
Supporting quotations
We will maintain audit logs that track your access, view, and use of electronic data in connection with your use of the Zelle® Transfer Service. These audit logs may include, but are not limited to, detailed information about your transactions and communication with other Zelle® Transfer Service participants.
Qualifications & exceptions
Logs concern electronic-data activity in connection with use of the Zelle service.
Not stated here
No audit-log retention period is specified in this clause.
Data Access & Collection · Permission or license
Wells Fargo and Zelle may capture browser and device information
You authorize capture of information including IP address and geolocation if enabled on your device. The bank and Zelle may use it to operate and maintain the service; prevent, detect or protect against security incidents, fraud and prohibited or illegal activity; improve the service through internal research; prepare anonymized usage reports; and meet legal or compliance purposes.
Details not recorded for this card
Supporting quotations
You also authorize us and Zelle® to capture certain information from your mobile device or internet browser used to access the Zelle® Transfer Service, including, but not limited to, Internet Protocol (IP) address and geolocation (if enabled on your device). We and Zelle® may use such information to: operate and maintain the Zelle® Transfer Service; prevent, detect and protect against security incidents, fraud and prohibited or illegal activities related to the Zelle® Transfer Service; conduct internal research to improve the Zelle® Transfer Service; prepare anonymized reports about the use of the Zelle® Transfer Service; or for legal or compliance purposes.
Qualifications & exceptions
Geolocation is included if enabled on the device; uses are the listed service, security, research, reporting and compliance purposes.
Charges & Financial Obligations · Restriction or exception
Typical consumer sending limits are $3,500 per rolling 24 hours and $20,000 per rolling 30 days
For most consumer accounts funded at Wells Fargo Bank, the stated limits are $3,500 over a rolling 24 hours and $20,000 over a rolling 30 days. A Small Business relationship has stated limits of $15,000 and $60,000 respectively. These are not guaranteed allowances: risk controls, account type, history, recipient and other factors can change or temporarily reduce limits, including after reinstatement. Check the logged-in service for applicable limits. Other institutions' agreements set their customers' limits.
Details not recorded for this card
Supporting quotations
For your security and to help manage risk, we may establish or modify limits on the amount, frequency, or type of transactions you can initiate using our payment services. These limits may vary by product, account type, transaction history, recipient, or other risk-related factors. We may adjust these limits at any time, with or without prior notice to you, unless otherwise required by applicable law or regulation. In some cases, your transaction limits may be temporarily reduced or subject to additional restrictions to protect your account and our services.
Payments from a Wells Fargo Bank Funding Account may be made up to a rolling 24-hour daily dollar limit of $3,500 and a 30-day rolling dollar limit of $20,000 for most consumer accounts. Those with a Small Business account relationship will have a rolling 24-hour dollar limit of $15,000 and a 30-day rolling dollar limit of $60,000. For more details on applicable limits, log in to the Zelle® Transfer Service on Wells Fargo Online® or Wells Fargo Mobile®.
Sending limits applicable to Users at other financial institutions are governed by the User’s Financial Institution’s transfer service agreements.
We reserve the right to change the dollar amount of money you are permitted to send using the Zelle® Transfer Service without prior notice to you, unless otherwise required by applicable law or regulation. For example, in the event that your use of the Zelle® Transfer Service has been suspended and reinstated, you understand and agree that your use of the Zelle® Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. All sending limits are subject to temporary reductions to protect the security of customer accounts and/or the Zelle® Transfer Service. Your sending limits may vary from those of other Users, depending upon criteria we establish.
Qualifications & exceptions
Rolling periods apply; limits can vary or be reduced without notice unless law or regulation requires notice.
Charges & Financial Obligations · Restriction or exception
Funding-account rules and some network rules govern transfers
All transfers remain subject to Funding Account rules and regulations, including restrictions aimed at preventing OFAC violations. You must not initiate disallowed payments. Transfers to an account outside a Network Financial Institution also follow Nacha Operating Rules and applicable card-network rules such as Visa or Mastercard. Those external rules are not supplied here.
Details not recorded for this card
Supporting quotations
All Transfer Transactions are subject to the rules and regulations governing your Funding Account. You agree not to initiate any payments from an account that are not allowed under the rules or regulations applicable to that account, including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of OFAC regulations. You agree that any Transfer Transaction to a User’s account which is not with a Network Financial Institution will also be governed by the Nacha Operating Rules and any applicable card network rules (e.g., Visa or Mastercard).
Qualifications & exceptions
Additional Nacha and applicable card-network rules apply when the receiving account is outside a Network Financial Institution.
Content & IP Rights · Restriction or exception
Payment comments may be monitored and cannot contain abusive content
Wells Fargo may allow a description or comment to be sent to the recipient. If allowed, you must exclude inappropriate or abusive language, emojis, messages and content. The bank may monitor those comments at its discretion.
Details not recorded for this card
Supporting quotations
We may, in our sole discretion, permit you to add a description or comment concerning the Transfer Transaction that will be transmitted to the recipient. You agree that if we permit you to add a description or comment concerning the payment to your recipient that you will not include inappropriate or abusive language, emojis, messages or content in the description or comment. You agree that we may monitor the contents of the description or comments for inappropriate or abusive content, in our sole and absolute discretion.
Charges & Financial Obligations · Restriction or exception
A transfer's completion and estimated delivery date are not guaranteed
Wells Fargo gives no warranty that a particular transfer will complete or meet a specified time; estimates are not binding. Others' actions can delay or prevent it. A recipient who has not enrolled, or has not enrolled the exact email, mobile number or tag you supplied, may not receive the transfer. The bank may make a reasonable retry effort and will notify you to contact the intended recipient if the transfer is not completed.
Details not recorded for this card
Supporting quotations
We do not make any representation or warranty that any particular Transfer Transaction can be completed, or that it can be completed within a particular period of time. Any estimate we may provide concerning the completion date for the Transfer Transaction is only an estimate, and is not binding on us. You understand and agree that we have no control over the actions of other Users, or of other financial institutions (including User’s Financial Institutions), that may prevent a Transfer Transaction from being completed, or may delay its completion. You understand and agree that we may not be able to complete a Transfer Transaction if:
the receiving User does not enroll with the Zelle® Transfer Service; or
the receiving User does not enroll with the Zelle® Transfer Service the specific email address, mobile phone number, or Zelle® tag you have provided to us for them.
Upon learning that a Transfer Transaction to send money from your Funding Account to a User cannot be completed for any reason, we may make a reasonable effort to complete the payment again. If the Transfer Transaction is not completed, we will notify you to contact your intended recipient.
Qualifications & exceptions
The recipient must enroll the specific identifier supplied for the transfer.
Charges & Financial Obligations · Restriction or exception
Wells Fargo can decline a transfer or honor another participant's block
Insufficient funding can lead to rejection. The bank also reserves discretion to refuse initiation or completion for any reason, decline or cancel payment instructions, and carry out change or cancellation requests. It may accept instructions from a User or their institution to block your transfers to that User or that institution's customers. This discretion gives you no general cancellation right: the sending rule permits cancellation only before the recipient enrolls and says enrolled-recipient payments cannot be revoked.
Details not recorded for this card
Supporting quotations
If you do not have enough money in your Funding Account to make a Transfer Transaction, we may reject your request to initiate the Transfer Transaction.
We reserve the right to decline or cancel any payment instructions or orders or to carry out change or cancellation requests. We may, in our sole discretion, decline to initiate or complete a Transfer Transaction for any reason. We may, in our sole discretion, accept instructions from any User or from a User’s Financial Institution to block your attempts to use the Zelle® Transfer Service to initiate Transfer Transactions with that User or customers of that institution.
You may only cancel a payment if the person to whom you sent the money has not yet enrolled their email address or U.S. mobile phone number in the Zelle® Transfer Service. If the person you sent money to has already enrolled with Zelle®, with a Network Financial Institution, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.
Qualifications & exceptions
Bank discretion to act on cancellation requests does not create a general user cancellation right.
Charges & Financial Obligations · Permission or license
A payment instruction authorizes an immediate debit before delivery
Each instruction authorizes payment on your behalf. Wells Fargo may immediately debit the Funding Account and hold the money in a suspense account until completion. For an unenrolled recipient, the hold can last up to fifteen business days before the money is sent or returned.
Details not recorded for this card
Supporting quotations
You agree that each payment instruction you give us is an authorization to send money on your behalf. You authorize us to withdraw the money from your Funding Account immediately upon receiving your instruction for the Transfer Transaction and to place the money in a suspense account pending completion of the Transfer Transaction. You understand and agree that in the case of a Transfer Transaction to a person who has not yet enrolled in the Zelle® Transfer Service, we may hold your money in the suspense account for up to fifteen business days before either returning the money to you or sending it to the recipient.
Qualifications & exceptions
For an unenrolled recipient, the suspense-account hold can last up to fifteen business days.
The recipient's institution may require manual acceptance
If that institution requires the recipient to accept and its deadline passes without acceptance, the funds return to you. Wells Fargo does not control whether acceptance is required or how long that institution holds the money. You also authorize Wells Fargo as your agent to receive and process ACH returns and Notifications of Change.
Details not recorded for this card
Supporting quotations
You understand that the User’s Financial Institution receiving the funds may require a User to manually accept each funds transfer you send to the User. If the User does not accept the funds transfer within the time frame set by the User’s Financial Institution, the funds will be returned to you. You understand and agree that we have no control over whether or not the User’s Financial Institution will require manual acceptance, or how long the User’s Financial Institution will hold the funds before returning them.
You authorize us to act as your agent in receiving and processing any return of money or Notification of Change received through the Automated Clearing House system.
Not stated here
The recipient institution's acceptance deadline is not specified here.
Charges & Financial Obligations · Restriction or exception
Processed payments cannot be stopped, but consumer EFT protections may still apply
Processed transfers cannot be canceled or stopped. Resolving disputes with recipients is generally your responsibility, except as law or regulation otherwise provides, including the applicable consumer-account EFT protections referenced in Section 13. The earlier cancellation opportunity applies to an unprocessed payment whose recipient has not enrolled the identifier used, not to completed transfers.
Details not recorded for this card
Supporting quotations
Transfer Transactions that have been processed cannot be cancelled or stopped. 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).
You may only cancel a payment if the person to whom you sent the money has not yet enrolled their email address or U.S. mobile phone number in the Zelle® Transfer Service.
Qualifications & exceptions
Applicable legal and consumer EFT protections are expressly preserved.
Charges & Financial Obligations · Restriction or exception
Brokerage funding requests can expire and processed transfers generally cannot be stopped
Where brokerage funding is offered, it is only from an eligible Funding Account to your own eligible brokerage account. Requests may expire without action; fraud, security, risk or regulatory checks can delay or block them. Once authorized and processed, transfers generally cannot be canceled. The receiving brokerage account's terms govern as well.
Details not recorded for this card
Supporting quotations
Where available, you may use the Zelle® Transfer Service to transfer funds from an eligible Funding Account to an eligible brokerage account owned by you. Brokerage Funding Transfers may only be used to fund your own brokerage account. Funding requests may expire if not acted upon, and transfers may be delayed, declined, or blocked for fraud prevention, security, risk management, or regulatory compliance purposes. Once authorized and processed, Brokerage Funding Transfers generally cannot be canceled or stopped. Brokerage Funding Transfers are subject to the terms and conditions governing the brokerage account receiving the funds.
Qualifications & exceptions
Where offered, only your own eligible brokerage account may receive these funds; its account terms also apply.
Charges & Financial Obligations · Permission or license
You authorize incoming credits and cannot stop an initiated payment to your enrolled alias
Once another User initiates a payment to your enrolled email, mobile number or tag, you cannot stop it. Using Zelle authorizes Wells Fargo to credit the Deposit Account. Received payments remain subject to that account's rules and regulations.
Details not recorded for this card
Supporting quotations
Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle® tag enrolled with the Zelle® Transfer Service, you have no ability to stop the transfer. By using the Zelle® Transfer Service, you agree and authorize us to initiate credit entries to your Deposit Account.
All payments received are subject to the rules and regulations governing your Deposit Account.
Charges & Financial Obligations · Company practice
Incoming payments usually arrive within minutes but can be delayed or blocked
Identity checks, fraud prevention and regulatory duties may delay or block an incoming payment. Other Users, the network operator and other institutions can also prevent or delay delivery. If Wells Fargo or Zelle blocks a payment you initiated through a request for money, Wells Fargo says it will notify you according to email or push preferences; the text does not promise that notice for every incoming-payment delay.
Details not recorded for this card
Supporting quotations
Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle®, the other Network Financial Institutions and other Zelle® users, we may need or Zelle® may need additional time to verify your identity or the identity of the person sending the money. We or Zelle® may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we or Zelle® block a payment that you have initiated through a request for money, we will notify you in accordance with your communication preferences (i.e. email, push notification).
We have no control over the actions of other Users, the Network Operator or other Network Financial Institutions that could delay or prevent a transfer of money to you.
Qualifications & exceptions
The stated notice commitment covers blocked payments initiated through your request for money.
Charges & Financial Obligations · Context
Wells Fargo sets no receiving-amount limit here, but senders may be limited
Wells Fargo says it does not limit how much you can receive from other Users. The sender's institution may still cap how much they can send under its own policies; a sending limit is not a Wells Fargo receiving cap.
Details not recorded for this card
Supporting quotations
Wells Fargo does not set limits on the amount of money you can receive from other Users. However, a sender's financial institution may impose its own limits on how much a sender can send you, based on that financial institution’s own policies.
Charges & Financial Obligations · Permission or license
Wells Fargo may return incoming funds when identity or legality is in doubt
The bank may return all or part of a transfer to the sending institution at any time if it cannot establish that you are the intended recipient or reasonably believes completing it would violate law or regulation.
Details not recorded for this card
Supporting quotations
We may return all or part of any Transfer Transaction to the sending financial institution, at any time and in our sole discretion, if either:
we are unable to establish that you are the intended recipient of the Transfer Transaction,
we reasonably believe that completing the Transfer Transaction would violate any applicable law or regulation.
Qualifications & exceptions
Return authority is tied to the stated recipient-identification or legal-compliance conditions.
Charges & Financial Obligations · User right or choice
Covered recurring payments can be stopped with three business days' notice
For consumer-account EFTs covered by Section 13, if you arranged regular Zelle payments in advance, you can stop the entire schedule or the next payment. Wells Fargo must receive the request at least three business days before the scheduled payment. Use the mobile app or Online Banking, call 1-800-869-3557, or write to Wells Fargo, Customer Correspondence, P.O. Box 6995, Portland, OR, 97228-6995. This concerns future recurring payments; the separate no-stop rule concerns processed transfers.
Details not recorded for this card
Supporting quotations
Right to stop payment: If you have told us in advance to make regular Zelle ® (recurring) payments out of your account, you can stop the entire Zelle ® recurring schedule or the next upcoming Zelle ® recurring payment.
Here's how. In time for us to receive your request at least three business days or more before the payment is scheduled to be made:
Log into our mobile app or Online Banking or
Call Wells Fargo Phone Bank at 1-800-869-3557 or
Write to us at Wells Fargo, Customer Correspondence, P.O. Box 6995, Portland, OR, 97228-6995
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.
Transfer Transactions that have been processed cannot be cancelled or stopped.
Qualifications & exceptions
At least three business days' advance receipt is required; Section 13's consumer-account scope applies.
Cross-references
qualifies (model-proposed): Payments to enrolled recipients generally cannot be canceled — The no-stop rule concerns processed transfers. A timely instruction can stop a future recurring payment or its schedule; these are different stages of payment.
Charges & Financial Obligations · Company commitment
Wells Fargo promises compensation if it fails to honor a timely recurring-payment stop
Within the covered consumer EFT provisions, if you order a stop or cancellation at least three Business Days before a recurring transfer and Wells Fargo fails to stop it, it says it will pay your resulting losses or damages.
Details not recorded for this card
Supporting quotations
Liability for failure to stop payment: If you order us to stop or cancel one of these payments three Business Days or more before the transfer is scheduled, and we do not do so, we will pay for your losses or damages.
Right to stop payment: If you have told us in advance to make regular Zelle ® (recurring) payments out of your account, you can stop the entire Zelle ® recurring schedule or the next upcoming Zelle ® recurring payment.
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
Requires a timely stop order for the recurring payments described in this section.
Charges & Financial Obligations · Company commitment
Wells Fargo accepts liability for certain late or incorrect consumer transfers
For covered consumer-account EFTs, Wells Fargo says it is liable for losses or damages if it fails to transfer on time or in the correct amount as agreed. Exceptions include insufficient funds through no bank fault, exceeding linked overdraft credit, starting after notice of a known service breakdown, events beyond its control despite reasonable precautions, and other exceptions in agreements with you. This express commitment stands alongside the earlier broad transfer-liability disclaimer; the scope and exceptions must be preserved rather than treating that disclaimer as the only rule.
Details not recorded for this card
Supporting quotations
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.
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.
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.
Qualifications & exceptions
Only Section 13's covered consumer EFTs; the stated exceptions and other contractual exceptions apply.
Cross-references
contrast (model-proposed): Wells Fargo asserts broad exclusions for account access and transfer-related losses — 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.
contrast (model-proposed): The agreement disclaims transfer losses and user typing errors — The earlier broad transfer disclaimer must be considered alongside the explicit covered-consumer-EFT liability promise and its exceptions. Neither is silently discarded.
Charges & Financial Obligations · Company commitment
Transfers appear in Zelle activity and account records
Your transfers will appear in Zelle activity, online transaction history and the periodic statements for the Funding Account.
Details not recorded for this card
Supporting quotations
Your Transfer Transactions will appear in the Zelle® activity, online transaction history and in the periodic statements for your Funding Account.
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.
Details not recorded for this card
Supporting quotations
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.
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.
Details not recorded for this card
Supporting quotations
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.
Not stated here
The source does not reconcile general live-support hours with the separately stated 24/7 error-reporting line.
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.
Details not recorded for this card
Supporting quotations
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.