Wells Fargo
Finance
60
out of 100. Number 128 of 512, counting from the worst.
Where Wells Fargo does well
- Arbitration/class/jury warning printed on the front page of the agreement.
- "No — We don't share" for joint marketing and nonaffiliate marketing; real opt-outs for affiliate sharing (1-888-528-8460 or online).
No group suits, no jury — private arbitration, alone.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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No group suits, no jury — private arbitration, alone. No opt-out found anywhere in the document.
You and we each agree that any proceeding, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, collective, consolidated, private attorney general, or representative action… to the fullest extent permitted by applicable law.
Deposit Account Agreement (eff. July 28, 2026)
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You can't start or join a class action — but Wells Fargo keeps the right to collect if someone else's class action wins.
Notwithstanding the foregoing, the parties retain the right to participate in a class-wide settlement.
Deposit Account Agreement
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Staying open = consent, retroactive on cards.
We regularly update this Agreement… If you keep your account open after we change this Agreement or end a fee waiver, you agree to the changes. / We may change this Agreement at any time. These changes may apply to existing and future balances.
Deposit Account Agreement / Card agreement
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On the hook for a joint account's overdrafts even if you never signed.
If a customer identified in our records as an owner or a coowner of an account does not sign account-related documentation (including the account application), we still may treat them as an owner or a coowner of that account, in our sole discretion.
Deposit Account Agreement
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Your info keeps flowing to affiliates/marketing after you leave.
When you are no longer our customer, we can continue to share your information as described in this notice.
U.S. Consumer Privacy Notice
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One-way assignment: they can sell your account contract; you can't.
You may not assign your Account or any of your Agreement obligations. We may assign your Account and any or all of this Agreement's rights and obligations to a third party.
Credit card agreement
How these were found
Deposit agreement fetched directly from wellsfargo.com; privacy notice via mirrors cross-checked against Wells Fargo's own notice.
These notes come from the original draft and are not independent verification.