Which agency keeps consumers safe when they open a credit card account or take out a home loan?

Pay Bills Automatically

Your Wells Fargo credit card makes bill paying easier and more secure. It’s fast, safe, and, best of all, there's no extra charge. You don’t have to sign up through Wells Fargo — just contact your service providers and provide them with your Wells Fargo credit card information to set it up.

  • Save time and stamps by mailing fewer checks.
  • Automate your monthly payments.
  • Enjoy protection with Zero Liability against unauthorized transactions when you report them promptly.
  • Earn rewards when you set up recurring payments through your service provider using your Wells Fargo credit card with a rewards feature.

Chip Technology

A Wells Fargo credit card with chip technology offers broader acceptance internationally and better protection against counterfeit fraud when used at chip-enabled terminals.

Balance transfers

You could pay less interest by transferring balances from other higher-rate credit cards to a Wells Fargo credit card. You might also be able to lower your overall monthly payments and turn multiple bills into one easy payment. Balance transfer fees may apply.

A balance transfer can give you the flexibility to:

  • Pay off another credit card or tax bill
  • Fund large expenses, such as home improvements
  • Cover emergencies and other unplanned expenses
  • Pay an individual

If you already have a Wells Fargo credit card, sign on to the Wells Fargo Credit Card Service Center and select Request Balance Transfer to see if you have an offer.

If you don’t have a Wells Fargo credit card yet, learn more about all our credit card products and you can request to transfer a balance when you apply. All credit cards are subject to credit qualification.

Alerts

With alerts, it’s easy to stay informed about your eligible Wells Fargo credit card accounts. You can sign up for alerts that you want to receive via email, text, or push notification.

Alerts can be sent when:

  • When a purchase exceeds an amount you choose
  • Your credit card is used for international, gas station, or online purchases.
  • Your available credit drops below a certain amount.
  • Your credit card payment is due.
  • A payment has posted to your account.

You can add new alerts or change your preferences anytime.

How can alerts help you?

  • Be in the know. Track purchases with limits you set.
  • Stay within your budget. Monitor your spending with text notifications.
  • Help keep your account secure. Get notified whenever certain transactions occur.

What alerts are available?

Get quick text or email notifications for:

  • Declined transactions
  • Gas charges at the pump
  • Foreign transactions
  • Cash withdrawals at ATMs
  • Online, phone, or mail purchases
  • Purchases exceeding a set amount

Already have online access to your accounts? Sign on to Wells Fargo Online and go to Manage Alerts.

If you haven't signed up yet, you'll need online access to an eligible Wells Fargo account and a valid email address. Enroll now for Wells Fargo Online.

My Spending Report with Budget Watch

Create a budget, take control of your spending, and track your progress toward your financial goals with Wells Fargo's online money management tool.

  • Watch where your money goes. Every dollar you spend with your eligible Wells Fargo credit cards, debit cards, checks, and Bill Pay is sorted into familiar categories automatically — no receipts to save, and no spending to key in.
  • Track your income and deposits. My Spending Report with Budget Watch also automatically tracks your deposits, giving you a complete overview of your finances in one convenient spot.
  • Set budget goals for key spending categories. Create monthly spending goals using the Budget Watch feature — it's easy with your actual spending history on hand to guide you.
  • See what’s left each month. We update your budget summary each business day so you always know how close you are to meeting your budget goals. Use the What's Left feature to pay down debt, build your savings, and more.
  • Set up email alerts. Periodic budget alerts keep you informed about your progress toward meeting your budget goals.
  • View graphs and charts. Gain added insight into your spending with a snapshot view of your budget goals, averages over time, and more.

If you already have an account and are enrolled in Wells Fargo Online®, simply sign on and go to My Money Map through Plan & Learn to get started.

Zero Liability Protection

Your Wells Fargo Credit Card comes with Zero Liability protection at no extra cost. Your credit card has built-in protection features to help ensure you won’t be held responsible for any unauthorized transactions as long as you report them promptly.

Overdraft Protection

Help protect yourself against unexpected overdrafts and bounced checks by linking your Wells Fargo credit card to your Wells Fargo checking account. Once you sign up for this service, if you happen to spend more than you have in your checking account, we’ll automatically make up the difference with an advance from the available credit on your Wells Fargo credit card account.

Overdraft Protection is an optional service we provide. For the service to take effect you will need to enroll. You're only charged for Overdraft Protection when you use it.

To sign up for Overdraft Protection, you’ll need a Wells Fargo credit card and a Wells Fargo checking account. Already have both? Sign on to the Wells Fargo Credit Card Service Center and select Overdraft Protection.

If you do not have a Wells Fargo credit card yet, you can enroll by checking the Overdraft Protection box when you apply for a card. Learn more about our credit cards. All credit cards are subject to credit qualification.

Cellular telephone protection

Pay your monthly cell phone bill with your eligible Wells Fargo Consumer credit card and you'll get up to $600 protection (subject to a $25 deductible).

Eligible cell phones are protected against damage or theft, however coverage does not include cell phones that are lost.

Call your cellular provider (or log on to their website) and request to set up automatic payments. Setting up automatic payments is not required to qualify for the Cellular Telephone Protection benefit; however, you need to pay your monthly cell phone bill with your eligible Wells Fargo Consumer credit card to get up to $600 protection.

Monitoring for fraud

We help protect your account from fraud by regularly reviewing your account for unusual activity.

We offer a variety of ways to make your credit card payment — online, by mail, and by phone. Compare your options below.

Automatic and online payment options


Automatic paymentsOnline transferBill Pay
Why choose this option?

You want the reassurance of having your credit card bill paid automatically on the due date.

You want to make a one-time, same-day payment or schedule a future payment to your credit card account.

You like the convenience of paying all your bills in the same place online, using Wells Fargo Online® Bill Pay center.

Use your Wells Fargo checking account to pay your Wells Fargo credit card account on a recurring or one-time basis.

Description

Your payment is automatically deducted from your checking or savings account.

Choose to pay the minimum payment amount, your balance in full, or a specified dollar amount.

Set up and manage your automatic payments online or check your statement to see when your payment will be made.

Payments made before midnight Pacific Time are credited to your account on the same day.

Receive email reminders when your bill is due and confirmation of your
payment.

Cost

Free

Free

Free

Payment options

Recurring

One-time (either same day or for a future date)

One-time and recurring

Requirements

Checking or savings account at any financial institution

Checking or savings account at any financial institution

Wells Fargo checking account

How to sign up once you have your card

Enroll in Wells Fargo Online. Once you have an account, sign on, go to Transfer & Pay and select Pay WF Accounts to set up your automatic payments.

Or call 1-800-642-4720 to request an enrollment form.

Enroll in Wells Fargo Online. Once you have an account, sign on and click Transfer & Pay and select Pay WF Accounts.

Enroll in Wells Fargo Online. Once you have an account, sign on and click Transfer & Pay and select Pay Bills.

Learn more about Bill Pay.


To make credit card payments by mail:

Please include your credit card account number on your check.

    Regular mail:

    Wells Fargo Card Services
    P.O. Box 51193
    Los Angeles, CA 90051-5493

    Express mail:

    Lockbox Services 51193
    Attn: WF Consumer Credit Card
    3440 Flair Drive
    El Monte, CA 91731

To make credit card payments by phone:

Call 1-800-TO-WELLS (1-800-869-3557) 24 hours a day, 7 days a week.

Which agency keeps consumers safe when they?

The Consumer Product Safety Commission (CPSC) is a small agency with the big responsibility of protecting consumers from dangerous and hazardous products.

What is the purpose of the Consumer Financial Protection Bureau?

We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions.

Is the Consumer Financial Protection Bureau necessary?

From Wall Street to Main Street, the CFPB has an important role in keeping consumers like you safe from unfair practices in the financial industry.

Who created the Consumer Financial Protection Bureau?

United StatesConsumer Financial Protection Bureau / Foundernull