This notice covers information about minors under 18
Wells Fargo Bank, N.A. and its companies provide this notice to explain collection, use, sharing and protection of information about minors under 18, including children under 13 and teens aged 13–17. It also addresses parents or legal guardians where applicable. The stated effective date is February 23, 2026. Other notices on the privacy, cookies, security and legal page are mentioned but their text is not supplied here.
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Effective: February 23, 2026
This Minor Privacy Notice ("Notice") is provided by Wells Fargo companies described below. These companies are referred in this Notice as “we” or “us.”
This Notice is intended to help Minors, including children, and, if applicable, their Parents/Legal Guardians understand how we collect, use, and share a Minor’s information in accordance with the Children's Online Privacy Protection Act ("COPPA") and other similar laws.
Some words might be confusing so you may want to read it with an adult.
Please review this Notice with your Minor.
This page, along with the additional Notices on our Privacy, Cookies, Security, and Legal webpage, is designed to help you understand how Wells Fargo manages privacy, and the rights you have as a Parent or Legal Guardian.
Child/Children - an individual who is under the age of 13
Minor - an individual who is under the age of 18
Teen - an individual who is between the ages of 13-17
We, Our, or Us - Wells Fargo Bank, N.A. and companies
Not stated here
The text of the additional notices is not supplied in this source.
Wells Fargo says it may update this notice because laws sometimes change. It says the date at the top will show when an update is made.
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Because laws sometimes change, we may need to update this page. The date at the top will show you when we make an update.
Account & Service Control · Context
A parent may own the account and monitor spending
For some minors, a parent or legal guardian may own or co-own the account and see account activity and spending. They can receive purchase or ATM alerts and may control spending amounts or locations. The notice excludes emancipated minors and people who have reached their state’s age of majority; those people own their accounts. Its definition of a parent or legal guardian refers to a person over 18 and, depending on the account and minor’s age, the person who sets up the account.
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For some Minors, your Parent/Legal Guardian may be the owner of your account until you are old enough to have your own account. This means the Parent/Legal Guardian can check your activity and see how you spend your money. If you are emancipated or have reached the age of majority in your state, you are the owner of your account.
Parent/Legal Guardian - a person over the age of 18, and depending on the account and minor’s age, the person who sets up an account for the minor
Unless you are an emancipated Minor or have reached the age of majority in your state, a Parent/Legal Guardian may be the owner/co-owner of your account. That means the Parent/Legal Guardian can see what you do with your account including how and when you use it. They can also see and get alerts when you buy something or use the ATM and may be able to control how much money you spend or where you spend it.
Qualifications & exceptions
Parental ownership depends on the account and the minor’s circumstances.
Emancipated minors and people at their state’s age of majority own their accounts.
Accounts and services include banking products, the app and website
An account can be a checking or savings account, a credit or debit card, or another product. Services include account and product offerings, the mobile app and online banking website. The notice calls terms the rules and guidelines for those services, conditions the promises made to use them, information or data facts about a person or account, and privacy information a person wants to keep secret. “Notice” means this webpage or document. These are the notice’s own simplified definitions.
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Account - your checking account, savings account, credit card, debit card or other product you may have
Conditions - the promises made to use our Services
Information / Data - facts about you or your account, see Section 4 below
Notice - this webpage / document
Privacy - information you want to keep secret
Services - the accounts and/or product offerings including our mobile app and online banking website
Terms - the rules and guidelines for using our Services
Not stated here
Separate product terms and conditions are not supplied here; these definitions do not establish their contents.
Security & Safeguards · Company commitment
Wells Fargo uses reasonable security measures
Wells Fargo says it must keep information it learns about minors safe and follow applicable rules. It says it implements reasonable security measures, including encryption and access controls. The notice does not promise that every security risk is eliminated.
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Keeping your information safe is very important to us. When we learn something about you, we must keep that information safe and follow rules. We take this seriously. We implement reasonable security measures, including encryption and access controls.
Data Access & Collection · Company practice
Information is collected at account opening and during online use
For minors under 18, personal information includes information given at account opening and information unique to the minor collected during use of an online service, such as name, birthdate and address. Wells Fargo may also ask for it when helping with an account or login, or sending requested information. The notice’s category list describes what it may collect directly from the minor, rather than saying every category is collected from every minor.
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"Personal Information" is information that
Is provided at account opening
We collect during the Minor’s use of an online Service that is unique to the Minor, such as name, birthdate, and address.
There may be times when we ask you for this information, for example when you contact us to help you with your account, need help logging into your account, or ask Wells Fargo to send you additional information.
We may collect the following categories of personal information directly from the Minor:
Parents/Legal Guardians, this page is our Notice for Minors under the age of 18 where we outline key information that can help you and your child understand how we protect their data.
Identification, financial and health details may be collected
Wells Fargo may collect identifying details directly from a minor, including a full name and government identification numbers such as Social Security, driver’s license and passport numbers. Its personal information examples also include birth details, contact information, account numbers and balances, transactions, payment card details, and medical and health insurance information. These are examples of possible collection.
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We may collect the following categories of personal information directly from the Minor:
Personal Identifiers - Examples may include full name and federal or state-issued identification numbers, including Social Security number, driver’s license number, and passport number
Personal Information - Examples may include date and place of birth, contact details (e.g., telephone number and address), financial information (e.g., account number and balance), transaction information, payment card details (e.g., credit and debit card numbers), and medical and health insurance information
Qualifications & exceptions
The categories describe information Wells Fargo may collect directly from the minor.
Wells Fargo lists characteristics of protected classes or groups under state or federal law among information it may collect directly from a minor. Examples include sex, disability, citizenship, primary language, immigration status, marital status and veteran or military status.
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We may collect the following categories of personal information directly from the Minor:
Characteristics of Protected Classes - Examples of characteristics of protected classes or groups under state or federal law may include sex, disability, citizenship, primary language, immigration status, marital status, and veteran/military status
Qualifications & exceptions
These are examples in a list of possible direct collection from the minor.
Biometric information may be collected, with a device-login distinction
Wells Fargo lists fingerprints and voiceprints as examples of biometric information it may collect directly from a minor, and biometric information processed to uniquely identify an individual as sensitive information. Separately, it says facial recognition or fingerprint login information is part of the device settings and is not shared with Wells Fargo. The device-login statement does not establish that every kind of biometric information stays on the device.
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We may collect the following categories of personal information directly from the Minor:
Biometric Information - Examples may include fingerprints and voiceprints
Biometric information processed to uniquely identify an individual
Information that helps recognize you like facial recognition or fingerprint login is part of your device settings and not shared with Wells Fargo.
Qualifications & exceptions
Facial recognition or fingerprint login information in device settings is not shared with Wells Fargo.
Not stated here
The notice does not specify the collection mechanism for the other biometric examples.
Cross-references
contrast (model-proposed): Device recognition information is not shared with Wells Fargo — The notice lists possible biometric collection but excludes device recognition login information from sharing with Wells Fargo; this is a reviewed difference in scope, not a finding of contradiction.
Browsing, device and location information may be collected
The possible categories Wells Fargo may collect directly from a minor include browsing history and interactions with its websites, applications or advertisements; device information such as IP address, operating system version and device type; and geolocation such as device location.
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We may collect the following categories of personal information directly from the Minor:
Internet or Online Information - Internet or online information (e.g., browsing history), including information about interaction with our websites, applications, or advertisements
Device Information - Examples include IP Address, operating system version, and device type
Geolocation Data - Examples include device location
Qualifications & exceptions
The list describes possible direct collection from the minor.
Calls, chats, videos and other sensory information may be collected
Wells Fargo’s possible direct collection from a minor includes audio, electronic, visual, thermal, olfactory or similar information. Its examples include call, chat and video recordings.
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We may collect the following categories of personal information directly from the Minor:
Audio and Visual Information - Examples include audio, electronic, visual, thermal, olfactory, or similar information, such as call, chat, and video recordings
Employment and education information may be collected
The possible categories collected directly from a minor include employment information about the minor and/or parent or legal guardian. Examples range from work history, background checks, resumes and personnel files to qualifications, training, preferences, payroll, benefits, absences, performance and discipline. Education examples include student records and graduation confirmation described as subject to FERPA. The notice names that law without supplying its text.
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We may collect the following categories of personal information directly from the Minor:
Employment Information - Examples include professional or employment-related information about you and/or your Parent/Legal Guardian, such as work and employment history, information from background checks, resumes, and personnel files, personal qualifications, training, work preference, payroll and benefit information, leave and absence information, and performance and disciplinary information
Education Information - Examples include information subject to the federal Family Educational Rights and Privacy Act (FERPA), such as student records and confirmation of graduation
Qualifications & exceptions
Employment information may concern the minor and/or their parent or legal guardian.
Not stated here
The cited law is not supplied; this card describes the notice’s examples without interpreting that law.
Information may include inferred preferences and characteristics
Wells Fargo lists inferences among information it may collect directly from the minor. It describes these as inferences based on information about an individual to create a summary, for example of preferences and characteristics. This identifies a possible information category, without specifying a particular profiling decision or automated outcome.
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We may collect the following categories of personal information directly from the Minor:
Inferences - Examples include inferences based on information about an individual to create a summary about, for example, an individual’s preferences and characteristics
Not stated here
The notice does not explain particular decisions made from these summaries.
Sensitive information includes IDs, account access details and precise location
Wells Fargo’s list of sensitive personal information it may collect directly from a minor includes government ID numbers, a visa or work permit, precise geolocation, and account login or financial/card numbers together with credentials allowing account access. The combination with security or access information is part of the account-access example.
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We may collect the following categories of personal information directly from the Minor:
Sensitive Personal Information - Examples include
Social Security number, driver’s license, state identification card, or passport number
Visa or Work Permit
Account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an Account
Precise geolocation
Qualifications & exceptions
The account-access example pairs login or financial/card details with the required security code, password or access credentials.
Sensitive information includes personal traits and some communication contents
The sensitive information examples in Wells Fargo’s possible direct collection list include racial or ethnic origin, religious or philosophical beliefs, citizenship, immigration status, union membership, health information, sexual orientation and gender identity. It also lists the contents of mail, email and text messages, with an exception in that example when Wells Fargo is the intended recipient. This wording describes the sensitive-information category; it does not explain how such messages would be collected.
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We may collect the following categories of personal information directly from the Minor:
Sensitive Personal Information - Examples include
Racial or ethnic origin, religious or philosophical beliefs, citizenship, immigration status, or union membership
The contents of mail, email, and text messages unless we are the intended recipient of the communication
Health information, sexual orientation, gender identity
Qualifications & exceptions
The communication-content example excludes communications of which Wells Fargo is the intended recipient.
Not stated here
The notice does not identify the collection mechanism for those communication contents.
Account use produces payment, location and activity data
Wells Fargo collects account-use data when a minor makes a purchase, uses an ATM or logs in. The data can reveal device location, mobile phone number, credit or debit card number, transactions and other payment information. It may also collect information to understand account use, such as participation in educational saving games on its website.
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"Account Data" is information about how you use your account. This information can tell us the location of your mobile device, mobile phone number, credit or debit card number, transaction information, or other payment information. We collect this type of information when you make a purchase, use an ATM, or log into your account. We may also collect information that helps us understand how you use your account such as if you play educational games that teach you about saving money on our website.
Account & Service Control · Procedure
Some online account options have extra rules
Some options available with online account access have extra rules users must follow. Where applicable, the notice asks minors to have a parent or legal guardian help set up the account. It says information gathered by the services helps the account work correctly.
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If you have online access to your account, you'll see options to make it easier to use. Some options have extra rules you must follow to use them, so where applicable please have a Parent/Legal Guardian help set up your account. Any information our Services gather about you is to help make your account work correctly.
Qualifications & exceptions
Parental help is requested where applicable.
Not stated here
The extra rules for particular options are not set out here.
Device recognition information is not shared with Wells Fargo
The notice says facial recognition or fingerprint login information is part of the user’s device settings and is not shared with Wells Fargo. This statement concerns device login recognition; elsewhere the notice lists other biometric information among categories that may be collected.
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Information that helps recognize you like facial recognition or fingerprint login is part of your device settings and not shared with Wells Fargo.
Biometric Information - Examples may include fingerprints and voiceprints
Qualifications & exceptions
This statement concerns recognition information used in device settings for login.
Cross-references
contrast (model-proposed): Biometric information may be collected, with a device-login distinction — The notice lists possible biometric collection but excludes device recognition login information from sharing with Wells Fargo; this is a reviewed difference in scope, not a finding of contradiction.
Information supports the account, identity checks and suspicious-activity detection
Wells Fargo collects information to provide and protect an account and make it available on the website or mobile app. It uses information to verify identity, provide account help, communicate with the minor and detect activity that does not look right on the account.
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We collect your information so we can provide an account to you, keep it safe, and so you can look at your account on a website or mobile app. We use this information to do things like prove who you are, help you with your account, speak with you, and help us detect things that don't look right on your account.
Wells Fargo states that it does not sell the minor’s data. The notice separately says it may share personal information with categories of third parties, so this no-sale statement does not mean that all disclosure is excluded.
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Wells Fargo does not sell your data.
We may share your personal information with the following categories of third parties:
Online technologies may track activity and remember spending preferences
Wells Fargo may collect information and track activity using cookies and similar online technologies. Some cookies support viewing the website and last only briefly; others stay until removed and help remember things such as places where a user likes to spend money. They sometimes contain details such as a name or state. How long cookie-collected information is kept depends on the cookie type. The notice points to the Digital Privacy and Cookies Policy for more detail and suggests asking a parent or legal guardian for help.
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We may collect information and track your activities with online technology.
Some cookies are needed so you can see the website and are only needed for a short time, like a bookmark to help you remember where you last stopped reading a book. Other cookies are like flags that stay with you until removed so we can remember things like places you like to spend your money. Sometime these flags include details about you such as your name or what state you live in. How long we keep the information collected from cookies depends on the type of cookie. You can talk to your Parent/Legal Guardian for help on this topic. We have more details in the Wells Fargo Digital Privacy and Cookies Policy.
Not stated here
The linked Digital Privacy and Cookies Policy is not supplied here; this notice does not provide its detailed controls or cookie-specific retention periods.
Retention & Deletion · Company commitment
Deletion is subject to legally required retention
Wells Fargo says banking rules and laws determine how long data must be kept and when it may be deleted. It says it deletes data when allowed or when the minor or parent/legal guardian asks, unless the law requires retention. A deletion request therefore does not guarantee that every record will immediately be erased.
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Banks have rules and laws that tell us how long to keep data and when we can delete it. We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Qualifications & exceptions
Data required by law to be retained is excluded from deletion.
Not stated here
This notice does not specify a fixed retention period or deletion deadline.
Sharing is limited to reasons specific to the services provided
Wells Fargo says it shares a minor’s personal information only with people or companies that need to know it for reasons specific to the services provided, and will not share it for another reason. It separately states that it does not sell the minor’s data. The recipient examples that follow are subject to this stated service-related limit.
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We only share your Personal Information with people or companies that need to know your information for reasons specific to the Services provided. We will not share your Personal Information for any other reason.
Wells Fargo does not sell your data.
Qualifications & exceptions
Recipients must need the information for reasons specific to the services provided.
Outside companies, affiliates and advisers may receive information
Subject to the notice’s rule that recipients need the information for reasons specific to the services provided, Wells Fargo may share personal information with outside companies or organizations for products and services, transactions, everyday operations, or business management and development. It also lists affiliated entities, acquiring entities and professional advisers as possible recipients.
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We only share your Personal Information with people or companies that need to know your information for reasons specific to the Services provided.
We may share your personal information with the following categories of third parties:
Outside companies or organizations in connection with providing products and services, completing transactions, supporting our everyday operations, or business management and development
Affiliated entities, acquiring entities, professional advisors
Qualifications & exceptions
Sharing is limited to recipients that need the information for reasons specific to the services provided.
Cross-references
contrast (model-proposed): Wells Fargo says it does not sell minors’ data — The no-sale commitment coexists with possible service-related disclosure to business recipients; no sale does not mean no sharing.
Government, workforce and reporting recipients are also listed
Wells Fargo may share personal information with government agencies, including for regulatory and legal requirements; outside organizations for human resources and workforce management; and outside companies for routine or required reporting. These categories appear in this minor notice alongside its general rule that recipients must need the information for reasons specific to the services provided. The notice does not further explain how each workforce-related example applies to particular minors.
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We only share your Personal Information with people or companies that need to know your information for reasons specific to the Services provided.
We may share your personal information with the following categories of third parties:
Government agencies, including to support regulatory and legal requirements
Outside organizations in connection with human resource activities and workforce management
Outside companies in connection with routine or required reporting
Qualifications & exceptions
The notice’s service-related need-to-know limit also applies to these recipient categories.
Not stated here
The notice does not detail the circumstances in which its workforce-related recipient category applies to a particular minor.
Account & Service Control · Restriction or exception
Parents control account contact information for children under 13
For children under 13, the notice says a parent or legal guardian owns the account and decides how Wells Fargo contacts the child. That person controls contact details such as the phone number or email address. The child cannot change those details until old enough to own an account.
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For children under 13, your Parent/Legal Guardian owns the account, so they decide how we contact you. This allows them to control any contact information like phone number or email address that we might use to communicate. You cannot change this information yourself until you are old enough to have your own account.
Cross-references
narrows (model-proposed): Parents of children under 13 can refuse contact and further data use — Reviewing and updating child information remains distinct from control of contact details: the parent owns an under-13 account, and only an account owner can update those details.
Account & Service Control · Context
Teen options still allow parental visibility when a parent co-owns the account
Teens aged 13–17 have more options, but a parent or legal guardian who co-owns the account can still see activity, including purchase or ATM alerts, and may control spending amounts or locations. The notice excludes emancipated minors and those who have reached their state’s age of majority from the general parental ownership rule. In some cases laws also let a parent or legal guardian ask Wells Fargo to stop contact or delete information; deletion remains subject to legally required retention.
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Unless you are an emancipated Minor or have reached the age of majority in your state, a Parent/Legal Guardian may be the owner/co-owner of your account. That means the Parent/Legal Guardian can see what you do with your account including how and when you use it. They can also see and get alerts when you buy something or use the ATM and may be able to control how much money you spend or where you spend it.
For Teens between the ages of 13-17, you have more options, but if a Parent/Legal Guardian is a co-owner, they can still see your activity. In some cases, laws allow your Parent/Legal Guardian to do more things like ask us not to contact you or ask for your information to be deleted.
We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Qualifications & exceptions
Parental visibility depends on co-ownership; emancipation and the state’s age of majority affect ownership.
Additional parental requests depend on applicable law, and deletion is subject to legal retention requirements.
Parents of children under 13 can refuse contact and further data use
The notice lists COPPA rights for parents and legal guardians of children under 13: refusing further contact with the child; reviewing and updating personal information collected online about the child; and refusing further collection, use or maintenance of the child’s personal information. The notice says privacy rights vary with how and where people interact with Wells Fargo. Only an account owner can update contact information.
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Your privacy rights vary depending on how and where you interact with us. For more information, see the Contact Us section below.
Privacy Rights for Children Under 13 Years of Age
Parents and Legal Guardians, you have specific rights under COPPA (for Children under 13) listed below:
Refuse to permit further contact with your child
Review and update the personal information collected online about your child
Refuse to permit further collection, use or maintenance of the personal information of your child
Only an account owner can update contact information.
Qualifications & exceptions
The listed rights concern parents and legal guardians of children under 13.
Only an account owner can update contact information.
Cross-references
narrowed by (model-proposed): Parents control account contact information for children under 13 — Reviewing and updating child information remains distinct from control of contact details: the parent owns an under-13 account, and only an account owner can update those details.
Parents can request deletion of child data and their own online contact details
For children under 13, the notice lists parental or legal guardian rights to request deletion of the child’s personal information and of the parent’s or guardian’s online contact information. Wells Fargo’s deletion statement preserves data the law requires it to retain. Contact-information updates are separately limited to the account owner.
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Parents and Legal Guardians, you have specific rights under COPPA (for Children under 13) listed below:
Request the deletion of personal information of your child
Request the deletion of the Parent's or Legal Guardian’s online contact information
We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Only an account owner can update contact information.
Qualifications & exceptions
Legally required retention limits deletion.
Only an account owner can update contact information.
Cross-references
qualified by (model-proposed): Deletion is subject to legally required retention — Child-data deletion requests remain subject to the exception for data that the law requires Wells Fargo to retain.
Teens and parents may have access, correction and deletion rights
For teens aged 13–17 and their parents or legal guardians, the notice says applicable similar laws may provide rights to delete information about a teen, challenge accuracy and request correction, and review and obtain information collected about the teen or child. These rights are conditional: the notice says rights vary with how and where a person interacts with Wells Fargo. Deletion remains subject to legally required retention, and only an account owner can update contact information.
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Your privacy rights vary depending on how and where you interact with us. For more information, see the Contact Us section below.
Privacy Rights for Minors 13-17 Years of Age
For teens or Parents/Legal Guardians of teens between the ages of 13-17, where applicable, you may have specific rights under similar laws including:
Delete the personal information related to or about a teen
Challenge the accuracy and request correction of inaccurate personal information
Review and obtain personal information collected about the teen/child
Only an account owner can update contact information.
We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Qualifications & exceptions
Rights depend on applicable law and how and where the person interacts with Wells Fargo.
Legally required retention limits deletion.
Only the account owner can update contact information.
Privacy requests can be made by phone or through the privacy center
Parents or legal guardians of children and teens, and teens themselves, may submit requests to know, delete or correct personal information through 1-844-774-9229 or www.wellsfargo.com/privacycenter/. The notice says rights vary with how and where the person interacts with Wells Fargo; these channels do not remove applicable limits, including legal retention and the rule that only an account owner can update contact details.
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Parents/Legal Guardians of children and teens, and teens themselves, may make a Request to Know, Delete, or Correct the personal information Wells Fargo has about them by:
Contacting us at 1-844-774-9229; or
Submitting your request at www.wellsfargo.com/privacycenter/
Your privacy rights vary depending on how and where you interact with us. For more information, see the Contact Us section below.
Only an account owner can update contact information.
We delete your data when allowed to or if you or your Parent/Legal Guardian asks us, unless we are required by law to retain it.
Qualifications & exceptions
The applicable rights and limitations still govern requests.
Not stated here
The privacy-center website’s own text is not supplied here; this card gives only the request routes in the notice.
General privacy questions can be emailed to Wells Fargo
For general privacy questions or concerns, the notice gives PrivacyCenter@wellsfargo.com. It separately supplies a phone number and privacy-center website for requests to know, delete or correct personal information.
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For general privacy questions or concerns email us: PrivacyCenter@wellsfargo.com.