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Online payments allow you to electronically send funds from your Wells Fargo account directly to another person or organization.
When you’re sending money, we make online payments fast and simple with services such as Zelle® and wire transfers.
While these options are convenient, they are also attractive targets for online payment scams because the money is often impossible to retrieve.
Here are three tips that can help you make safe online payments.
Zelle® is a fast and convenient way to send or receive money with friends, family, or others with a bank account in the U.S.
When you use Zelle® from the Wells Fargo Mobile® app or Wells Fargo Online®, payments can be made directly to the recipient’s bank account within minutes.
Zelle® business account scams occur when you receive an email that someone has paid you with Zelle® but you must pay a fee to upgrade your account to a business account in order to receive the money.
Once you authorize a Zelle® payment to be sent, the payment can only be canceled if the recipient has not yet enrolled with Zelle®.
Remember
In this way, Zelle® is similar to sending cash.
Don’t use Zelle® unless you know and trust the recipient because in most cases, you probably won’t be able to get those payments back.
Learn more about how to “Pay It Safe” with security tips from Zelle®.
The information you use to access your Wells Fargo accounts is private and should never be shared with anyone.
This includes Wells Fargo.
We will never contact you and ask you to share your password, personal identification number (PIN), or one-time access codes with our employees.
Savvy scammers may attempt to impersonate a Wells Fargo employee and ask you to share this private information.
When in doubt, hang up and contact us directly.
In some cases, they can make the phone number that appears on your caller ID look like the call is from Wells Fargo.
They may attempt to get you to share your password, PIN, or one-time access code to "reverse a transfer," "receive a refund," or something similar.
If they have your private account access information, they can send or receive online payments without your permission.
In addition to impersonating Wells Fargo employees, scammers may also pose as the IRS, a utility company, tech support, a real estate company, or even a friend or relative who “needs help.”
The common thread in these scams is that they often demand immediate payment.
By forcing you to act quickly, you are less likely to question the request.
Don’t be rushed.
When you receive an unexpected text, email, or voice message requesting a payment, do not reply, click links, or call phone numbers included in that communication.
Instead, contact the person or organization directly using existing contact information to confirm the source of the request.
Remember: Gift cards or prepaid credit cards should never be used for payments — such requests are clear signs of a scam.
If you believe you have sent money or provided private information due to an online payment scam, fraudulent activity, or something just doesn’t seem right — contact us immediately.
We will review your transactions and work with you to understand the issue.
You are also invited to learn more about how Wells Fargo protects you and the other security steps you can take to stay safe online
Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.
Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier's message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.
Enrollment in Wells Fargo Online® Wires is subject to eligibility requirements, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier’s message and data rates may apply. For more information, see the Wells Fargo Online Access Agreement and your applicable account fee disclosures for other terms, conditions, and limitations.
Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Zelle®, Wells Fargo, and the American Red Cross are not liable for any failure, through no fault of theirs, to complete your transaction in the correct amount, or for any related losses.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC.
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
QSR-04302025-6060650.1.1
LRC-1023
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