Wells Fargo Account Agreement

 
 

If you close your current payment account, you must notify us in order to determine a new deposit account that will be your payment account. In addition, you must cancel your online financial services by notifying us at 1-800-956-4442 or by providing the phone number on your statement of account. The requirement to verify two or more signatures for an item (z.B a check) does not apply to electronic or telephone transfers. This means that you allow any authorized agent in your authorized account to make individual electronic or telephone transfers, while their right to transfer or withdraw money from your account through other means (for example. B by cheque) must be exercised with one or more other people. If we do not provide timely transfer instructions, if we ensure that an incorrect amount is withdrawn from an account, or if we transfer funds from an account to an account other than the one specified in the corresponding transfer statement, we are responsible for the return of inaccurate funds and/or inaccurate funds to the appropriate account. Eligible accounts include deposit accounts, credits, credit cards, lines of credit, investment products, securities accounts, brokerage accounts, bonus accounts and other products or accounts that you have with us. Designates a card, code or other means of accessing a consumer`s account, or any combination of it (including username and password) that can be used by the consumer to initiate electronic transfers. (14) Minimum interest costs. A minimum interest charge may be charged for your account. See The important terms of your credit card account for the corresponding fees. Right to stop payment: If you have pre-ordered us to make regular (recurrent) payments from your account, you can stop all payments.

Here`s what it is: call Wells Fargo Phone Bank at 1-800-869-3557, or email us at Wells Fargo, Customer Correspondence, P.O. Box 6995, Portland, OR, 97228-6995, in time for us to receive your request three or more business days before payment is scheduled. If you call, we can also request that you put your request in writing and send it to us within 14 days of your call. Payment fees may be incurred. You`ll find more information in the account agreement that regulates your account (s) (s). Security procedures. The financial institution with which your account is managed can contact us to verify the content and authority of the transfer instructions and any changes to these instructions. With regard to the transfer service, we can provide this financial institution with the necessary information to verify the instructions and the verification may constitute a valid security procedure according to the account`s billing rules. If you report a problem over the phone, we may ask you to submit your complaint or question in writing within 10 business days. We will determine if an error occurred within 10 business days after we have been informed of you and will immediately correct any errors. If we need more time to conduct our investigation, we will inform you of our need to extend up to 45 days.

If we decide to do so, we will credit your account within 10 business days for the amount you believe to be defective so that you can use the money for the time it takes to complete our investigation. If we ask you to file your complaint or question in writing and not receive it within 10 business days, we cannot credit your account on an interim basis. If it is a common account, a default for one of you will be by default. We can prevent further transactions and we can close your account and other Wells Fargo accounts. If your account is late, you agree to pay our collection fees, legal fees and legal fees related to the application of our rights under this agreement.

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