To send or receive money with a small business, both parties must be enrolled with Zelle directly through their financial institutions online or mobile banking experience. In order to receive money transfers into your Deposit Account, that account must be in good standing. Heres how to notify us when you believe that an error, unauthorized EFT, or unauthorized transfer has been or may have been made: To notify us of errors in brokerage account transfers, follow the procedures in your brokerage account agreement. To receive money, you must enroll an email address or U.S. mobile number with Zelle in Wells Fargo Online. In order to send payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. 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. The American Red Cross name, emblem, and copyrighted materials are being used with its permission, which in no way constitutes an endorsement, express or implied, of any product, service, company, opinion, or political position. Please check your mobile service agreement for details or applicable fees, as message and data rates may apply. If they are enrolled, check that the email address or U.S. mobile number you used to send money to your recipient is associated with your recipients Zelle profile. Please note: 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 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. For more information about Zelle sending and receiving limits with Wells Fargo, see the Zelle Transfer Service Addendum. Each time you initiate a Transfer Transaction, you are authorizing and instructing us to send both an initial email or text message to the recipient and, at our discretion, a follow-up or reminder message with respect to the same Transfer Transaction. Seleccione el enlace si desea ver otro contenido en espaol. 7.B. If your recipient has already enrolled with Zelle, the payment is sent directly to their bank account and cannot be canceled. Your sending limits may vary from those of other Users, depending upon criteria we establish from time to time. You can request money from another person using Wells Fargo Mobile on your smartphone. The transfer would go over the credit limit on a credit account linked for overdraft protection, Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken, or. Payments sent or received using an account number are subject to limits governed by Wells Fargo and not Zelle. Donations@redcross.org is eligible for the send function only; it cannot be used to request money. You may use the Zelle Transfer Service to perform Transfer Transactions. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. If we 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). 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 Users initiation or at your request, subject to the conditions of Section 12.A below titled "Requesting Money.". 1999 - 2022 Wells Fargo. You will need to provide your payment confirmation code, which can be found in the payment details from your Zelle Activity. Contributions to the American Red Cross are tax-deductible to the extent permitted by law. User means a person who is any one or more of the following: an individual, business or government agency enrolled in the Zelle, an individual or business that is enrolled in the Zelle, an individual, or business that is not yet enrolled in the Zelle, "Participating Financial Institution" means any financial institution which is participating in, or cooperating with Zelle. You understand that when you send the payment, you will generally have no ability to stop it. Wells Fargo text messages related to Zelle will come from either 93557 or 93729. You can send money to almost anyone with an eligible U.S.-based bank account using just their email address or U.S. mobile phone number. U.S. checking or savings account required to use Zelle. You authorize us and other Participating Financial Institutions to use information you provide to us, and information concerning your Transfer Transactions in order to: Your authorization includes, but is not limited to, providing such information to: 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. For errors involving new accounts, our investigation may take up to 90 calendar days. Effective September 23, 2022: Revised Zelle Transfer Service Addendum. This step requires us to send you a text message code. The funds will be automatically directed into the account youve linked to your Zelle profile as your deposit account. Naveg a una pgina que no est disponible en espaol en este momento. For more information, view the Zelle Transfer Service Addendum to the Wells Fargo Online Access Agreement. To complete this verification step, you must have either a text-enabled mobile device or an RSA SecureID device. These limits apply only to Zelle payments when initiated from Wells Fargo Online or the Wells Fargo Mobile app. Note that the amount of money you can send to a new recipient may initially be lower. Wells Fargo partners with Zelle to offer a unique experience to our customers that is only available through Wells Fargo Online and Wells Fargo Mobile. Your mobile carrier's message and data rates may apply. closed the recipients prior Deposit Account but still has other accounts open with the Users Financial Institution. 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. 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. If your delay in notifying us was due to extenuating circumstances, well extend the times specified in the immediately preceding paragraphs to a reasonable period. 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 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. See the Zelle Privacy Notice for how Zelle treats your data, and our Privacy Notice for how we treat your data. closed your prior Deposit Account but still have other accounts open with us. We may act on any instruction purportedly made on your behalf within a reasonable time after we receive such instruction. 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. We may from time to time make available additional or new features to the Zelle Transfer Service. Once you send money with Zelle, you cannot cancel the payment if your recipient has already enrolled. Your mobile carrier's message and data rates may apply. We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Zelle Transfer Service. However, there are some exceptions. 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. Receiving limits We do not limit how much money you can receive with Zelle using your email address or U.S. mobile phone number. we are unable to establish that you are the intended recipient of the Transfer Transaction. From there, select a recipient (the person who will receive your request) from your list of recipients or add a recipient by selecting the + icon. 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. You can use Zelle to send money to almost any person or small business with an eligible U.S.-based bank account. 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 persons rights when you provide us information and instruct us to initiate or complete a fund transfer, and. Sending money is fast and convenient. Sending limits: For your security, we restrict the amount of money you can send to recipients. If we decide to do this, well 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. 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. All sending limits are subject to temporary reductions to protect the security of customer accounts and/or the Zelle Transfer Service. For more details on applicable limits, log in to the Zelle Transfer Service on Wells Fargo Online Banking or Wells Fargo Mobile Banking. Wells Fargo text messages related to Zelle will come from either 93557 or 93729. In some cases, payments may be delayed or blocked for your protection. 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, receive a request from a User asking you to transfer money to them using the Zelle. you have exceeded or will, by receiving the pending Transfer Transaction, exceed any of your receiving limits for Transfer Transactions, we are advised that either the Participating Financial Institution, the User initiating the Transfer Transaction, or the owner of the Funding Account from which the payment was made, has alleged that the Transfer Transaction was fraudulent or unauthorized, or.

1999 - 2022 Wells Fargo. Transfer Transactions Subject to the Rules of the Funding Account, 10.G. In order to transfer money out of your Funding Account to another individual or business, you must have an available balance in that account. Lesser of $50, OR the total amount of unauthorized EFTs that occur before notice to us. Payments sent by other authorized users can be found in your Account Activity. They can use the separate Zelle app to receive the money, subject to eligibility requirements and terms and conditions. These audit logs may include, but are not limited to, detailed information about your transactions and communication with other Zelle Transfer Service participants. Consent to Emails and Automated Text Messages, 4.C. We will send you an Advanced Access code to your phone number on file. We and Zelle make no representation or warranty that a User Zelle tag accurately identifies a particular User of the Zelle Transfer Service. You agree that these emails and text messages are sent on your behalf. Neither Wells Fargo nor Zelle offers a protection program for any authorized 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. For your protection, Zelle should only be used for sending money to friends, family, or others you trust. You understand and agree that we may not be able to complete a Transfer Transaction if: 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. 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. If they have enrolled, check that the email address or U.S. mobile number you used to send money to your recipient is associated with your recipients Zelle profile. 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. Note: Request money is not yet available on the Wells Fargo Online desktop or tablet experience. Your rolling 30-day limit is the maximum you can send over a period of time going back 30 days. 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. U.S. checking or savings account required to use Zelle. Wells Fargo does not charge a fee to send or receive money with Zelle. Keep in mind that Zelle payments are not covered by the same protections as credit card and debit card payments. 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. The American Red Cross name, emblem, and copyrighted materials are being used with its permission, which in no way constitutes an endorsement, express or implied, of any product, service, company, opinion, or political position. For more information about the American Red Cross, please visit redcross.org. Then enter their first and last name. However, because Zelle is intended to replace instances where cash and checks are being exchanged, you do not have the same protections associated with a credit card or a debit card transaction, such as the ability to dispute purchase transactions. For more information about the American Red Cross, please visit redcross.org. 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.

Send money to let her pick out what she really wants. You represent that you have the authority to authorize debits and credits to the enrolled Funding Account or Deposit Account. Transfers to established recipients from a Wells Fargo Bank Funding Account may be made up to a daily dollar limit of $3,500 and a 30-day rolling dollar limit of $20,000.

Transactions between enrolled users typically occur in minutes. 1999 - 2022 Wells Fargo. To send and receive requests for money with a small business, both parties must be enrolled with Zelle. In some cases, we may need to delay or block a payment for your protection. 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, or if your Funding Account has been open for less than thirty days, 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. You must also comply with any other security procedures and policies we may establish from time to time as provided in the OAA. You also agree that you may not use the Zelle Transfer Service with any commercial account with us to receive money. 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. Sending Money; Debits by Participating Financial Institutions, 10.D. We make security and the protection of your information a top priority. Please note the amount of money you can send a new recipient may be initially lower; however, we may adjust the sending limit when you send subsequent payments to the same recipient. NMLSR ID 399801. Application of this Addendum After Reinstatement. If your recipient did not receive your payment, make sure theyve enrolled an email address or U.S. mobile number with Zelle. 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 token (i.e., 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 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 are authorized by the receiving User to send money to the Users account at the Users Financial institution. For your protection, you should only send money to people and entities you know and trust. Declining to Use an Email Address, Mobile Phone Number, or Zelle, 17.B. If we ask you to put your complaint or question in writing and dont receive it within 10 Business Days, we may not provisionally credit your account. In some cases, payments may be delayed or blocked for your protection. Through no fault of ours, you do not have enough money in your account. 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. "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 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. As a condition of your use of the Zelle Transfer Service, Zelle requires you to agree to the following additional provisions. When you enroll a U.S. mobile number or email address, youll also assign a deposit account for each one. Whether any planned tax result is realized by you depends on the specific facts of your own situation at the time your tax return is filed. 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. We have no control over the actions of other Users, other Participating Financial Institutions or other financial institutions that could delay or prevent your money from being delivered to the intended User. For your security, we restrict the amount of money you can send to recipients.

The American Red Cross logo is a registered trademark owned by The American National Red Cross. Then choose a From Account, and enter the amount. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Addendum and the procedures of the business or government agency that is sending you the payment. Go to your Zelle Activity, choose the payment you want to cancel, then select Cancel Payment. The third parties may include transactions processors, clearinghouses, credit bureaus and merchants. We may not be able to prevent or block requests from being sent to you, either by specific Users or generally. Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. "You" or "Your" means each Owner of a Deposit Account and Funding Account, or an Authorized Representative, subject to the conditions in Section 2. Eligibility requirements may vary depending on where your recipient banks. Follow these steps to Send money with Zelle: Wells Fargo may send you text messages related to your Zelle activity (like when you add a new recipient or when you send money to a first-time recipient). To send money to an eligible small business, both parties must be enrolled with Zelle directly through their financial institution's online or mobile banking experience. You will only see payments you send from that account, however. If any in your profile are already enrolled elsewhere, you can transfer the enrollment so money sent to that mobile number or email address will be deposited into your Wells Fargo account instead. 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. We recommend that you only use Zelle to send and receive money with people you know and trust. 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. You understand that financial institutions receiving the money transfer instructions may rely on such information. Payment requests to persons not already enrolled with Zelle must be sent to an email address. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. To receive money, youll need to enroll your own email address or U.S. mobile number and choose an eligible Wells Fargo savings or checking account where you want the money deposited. More than 60 days after we send you a statement showing first unauthorized EFT made with Access Device. 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. applicable state and federal laws and regulations. If we need more time to conduct our investigation, well notify you of our need for an extension of up to 45 days. Dollar amount of Transfer Transactions for Receiving Money. There are daily and 30-day (rolling) limits. When someone sends you money, the money will go directly into that deposit account and youll be notified by email or text message. Enrollment with Zelle through Wells Fargo Online or Wells Fargo Business Online is required. You agree that you are not engaging in the business of debt collection by attempting to use the Zelle, You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes.

Payment requests to persons not already enrolled with Zelle must be sent to an email address. We may, at our option, offer you the ability to send a request for money to another User. 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 Request feature within Zelle is only available through Wells Fargo using a smartphone. Additional Provisions Concerning Use of Information, 7.D. U.S. checking or savings account required to use Zelle. To complete this verification step, you must have either a text-enabled mobile device or an RSA SecureID device. You can receive up to $10,000 per day into each eligible account when someone sends you money using your account number. If the Transfer Transaction is not completed, we will notify you to contact your intended recipient.

You can check the payment status in your Zelle Activity. 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. 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 recommend you only send money to known and trusted recipients when using Zelle. For transfers occurring AFTER the 60 day period, you may have unlimited liability, until you notify us. 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. You will be limited to one Zelle tag per bank account, and each Zelle tag must have one U.S. mobile phone number or email address associated with it.

Always remember to carefully verify your recipients email address or U.S. mobile number before you send money. NMLSR ID 399801, http://www.redcross.org/contact-us/financial-donation-inquiry, Sign on to Wells Fargo Online, then go to, Review the First-Time Recipient pop-up to ensure that it says donations@redcross.org and that the name begins with THE AMERICAN NATIONAL RED CROSS and select. Zelle is a convenient way to send and receive money with friends, family and other people or small businesses you know and trust. 6.C. If your recipient does not have an account with a Zelle participating financial institution, you can still use Zelle through Wells Fargo Online or Wells Fargo Mobile to send them money from your personal account. 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. These emails and text messages may identify you by name, mobile phone number, email address, and/or Zelle. We make no representations or warranties concerning the genuineness or accuracy of any request you receive. Terms and conditions apply. Note: Request money is not yet available on the Wells Fargo Online desktop or tablet experience. The Request feature within Zelle is only available through Wells Fargo using a smartphone. To send a request for money, tap Zelle in the bottom bar and select Request. All requests for money must be delivered to an email address if a User has not enrolled a mobile phone number with us, Zelle, Users to whom you send payment requests may reject or ignore your request. 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. Find out how to donate with Zelle. When you enroll with Zelle using Wells Fargo Business Online or Wells Fargo Mobile, we establish a connection between your email address or U.S. mobile phone number and your eligible Wells Fargo checking or savings account. You can use Zelle to send money to almost anyone with an eligible U.S.-based bank account. To send or receive money with a small business, both parties must be enrolled with Zelle directly through their financial institutions online or mobile banking experience. Sending limits applicable to Users at other financial institutions are governed by the Users Financial Institutions transfer service agreements. "Users Financial Institution" means any financial institution, including a Participating Financial Institution, holding a Users 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. You authorize us to provide access to your Funding Account and Deposit Account through the Zelle Transfer Service to initiate and complete Transfer Transactions. With some exceptions, as noted in this section, Wells Fargo does not set limits on the money you can receive from other Users. iii. Any estimate we may provide concerning the completion date for the Transfer Transaction is only an estimate, and is not binding on us. To send or receive money with a small business, both parties must be enrolled with Zelle directly through their U.S.-based financial institutions online or mobile banking experience. Next, enter the amount of your request, review it, and select Send. 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. Otherwise, we will send you a statement at least quarterly. They can use it to send you money, whether through Wells Fargo or another Zelle participating financial institution. You authorize each Participating 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.