TOS Genie
Grade D

Wells Fargo's terms of service, in plain English

Heavily one-sided. Read the actions. Risk score 53/100 · 6 clauses that matter · 3 high risk

You give up the right to a jury trial and class action lawsuits by using Wells Fargo online services.

Watch this document We re-read it on a schedule. If it changes, you hear about it in dollars and days.

What you sign away

  • The right to a jury trial
  • The right to be part of a class action lawsuit
high risk Forced arbitration

Binding Arbitration

If you have a dispute with Wells Fargo, you'll have to use binding arbitration instead of going to court. This means you give up the right to a jury trial.

What to do about it
  1. Review the agreement carefully before selecting "I Agree"
high risk Class action waiver

Class Action Waiver

You also give up the right to be part of a class action lawsuit. This means you can't join with others to sue Wells Fargo.

What to do about it
  1. Review the agreement carefully before selecting "I Agree"
high risk Limits on their liability

Liability Limits

If Wells Fargo's outage or mistake costs you money, the most you can get back is what you paid them last month.

medium risk Changes without notice

Unilateral Changes

Wells Fargo can change or stop offering Delegate options at any time, which may affect how you manage your accounts.

What to do about it
  1. Check the Wells Fargo website for updates on Delegate options
medium risk Account termination

Account Termination

Wells Fargo can terminate your access to online services at any time, with or without notice.

What to do about it
  1. Call 1-800-956-4442 to remove online access for an Eligible Account
medium risk Deadline to complain

Dispute Deadline

If you think there's an error with an electronic fund transfer, you need to notify Wells Fargo within 60 days of the first statement showing the error.

What to do about it · Within 60 days of the first statement showing the error
  1. Notify Wells Fargo within 60 days of the first statement showing the error

Generated by AI and it can be wrong. Every point links to the source clause so you can check it. This document was last read on September 5, 2026. Read the original.