Wells Fargo Checking Account Agreement

The Deposit Account Agreement contains terms that apply to all Wells Fargo consumer accounts. An eligible direct deposit is a direct deposit of your salary, pension, social security or other regular monthly income that is deposited electronically into this current account via the Automated Clearing House (ACH) network by your employer or an external agency (please check with your employer or an external agency to see if they are using the Automated Clearing House (ACH) network). Transfers from one account to another, mobile deposits or deposits to a bank location or ATM are not considered direct deposit. Unless you tell us otherwise, we may change the U.S. Postal Service address or email address only for accounts you provide or for some or all of your other accounts with us. To inform us of errors in brokerage account transfers, follow the procedures in your brokerage account agreement. All payments made through the Bill Pay service with the financial management software must be made at least four working days before the due date, so that the beneficiary/merchant can give credit to your account in a timely manner to avoid fees or penalties in case of late payment. Each working day has a cut-off time for the payment of invoices; Payments made after the cut-off or on Saturday, Sunday or federal holidays are made on the next business day. With zero liability protection, you will be reimbursed for all unauthorized card transactions immediately declared.

Information about liability for unauthorized transactions can be found in your Wells Fargo account agreement and card terms. Security procedure. The financial institution with which your account is held may contact us to verify the content and authority of the transfer instructions and changes to those instructions. As part of the transmission service, we may provide that financial institution with the information necessary to verify the instructions and verification may constitute a valid security procedure in accordance with the rules applicable to that account. Many account documents – including bank statements, tax documents and legal notices – can be delivered online for certain eligible accounts and online financial services. You can view, save, or print PDF versions of your account documents from the site from your desktop, tablet, or mobile device. In combination with other applicable Wells Fargo Agreements as described in Section 1(b) of this Agreement, this Agreement constitutes the agreement between you and Wells Fargo with respect to the Service. It brings together and replaces all previous and simultaneous written or oral agreements and agreements on the subject of online access. We will designate a Wells Fargo billing account (your “Billing Account”) from which the fees will be paid.