It’s easy to activate and use your card.
There are three ways to activate your debit card.
- Scan the code with your mobile phone to activate your debit card
- You can activate it online, or from your Wells Fargo Mobile® app.
- Call 1-877-294-6933 from your home or mobile phone.
- You can activate the card by using it with your PIN at any Wells Fargo ATM.
Note: PIN may be required when activating your debit card. If you don’t already have a PIN, it would have been mailed to you separately from your card.
Use your debit card as a safe, convenient way to access your money.
- Make purchases and pay bills at participating retailers and service providers ― including online or by phone.
- Use your card to get cash, make deposits, and more at approximately 11,000 Wells Fargo ATMs.
Frequently asked questions
Is it important to activate my debit card?
Yes, activating your debit card as soon as you receive it in the mail is a necessary step for you to use your card, and an important step to help protect yourself from fraud.
How do I turn my debit card on or off?
If you have misplaced your card and need time to find it, you can temporarily turn your card off to help prevent unauthorized card transactions. When you find it, you can easily turn your card back on. Sign on to Wells Fargo Online® or log into your Wells Fargo Mobile app to access Turn Card On or Off. You can also call us at 1-800-TO-WELLS (1-800-869-3557) for personal debit cards.
If you think your card has been lost or stolen, you can order a replacement card online, from your Wells Fargo Mobile app, or by calling us. For personal cards call 1-800-869-3557.
How does Wells Fargo help protect my debit card?
Your Wells Fargo Debit Card comes with Zero Liability protection at no extra cost. You will be reimbursed for any unauthorized card transactions when reported promptly.
We regularly review your accounts for unusual activity. If you receive an alert from us for potential suspicious card activity, review and respond promptly to verify the transactions. You do not need to enroll to receive this alert.
How can I better protect myself and my debit card?
There are several things that you can do to help protect yourself when using your debit card.
- Be cautious. When you use your debit card at any sales counter or ATM, be aware when people are near or behind you. To keep others from seeing your PIN, you can use your hand or body to shield their view of the keypad.
- Sign up for alerts. Our debit card alerts help you stay informed about activity on your debit card. You can set up alerts to notify you when, for example, your card:
- Is used for an online, phone, or mail order purchase
- Is used with an international merchant or at an ATM outside the United States
- Is used to make a single purchase that exceeds an amount you specify
- Is used to make an ATM withdrawal that exceeds an amount you specify
- Monitor your account regularly. With Wells Fargo Online you can securely access your accounts and keep track of your transactions and balances at any time. You can do this via your computer, tablet, or mobile device.
- Learn more about protecting your identity and funds. Start by reviewing these helpful Fraud Prevention Tips.
If you suspect any fraudulent activity on your debit card, call us immediately at 1-800-TO-WELLS (1-800-869-3557).
What should I do if I haven’t received my debit card or my PIN?
Please call us immediately at 1-800-TO-WELLS (1-800-869-3557) if you haven't received your debit card.
If you do not already have a PIN, you will receive it separately from your card. If you receive your card but you do not receive your PIN, please visit your nearest Wells Fargo branch.
Get answers
Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Turning off your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions; transactions using other cards linked to your deposit account; or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the debit card will also be turned off. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.
Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Wells Fargo Bank, N.A. Member FDIC.
QSR-02282025-5916160.1.1
LRC-0823
Greetings, I'm an expert in banking and financial services, and I'll be sharing my insights into the concepts discussed in the provided article about activating and using a Wells Fargo debit card. My expertise is backed by a comprehensive understanding of banking operations, financial security, and customer protection measures.
Now, let's delve into the key concepts outlined in the article:
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Debit Card Activation:
- Three Ways to Activate: Scan the QR code with your mobile phone, activate online or through the Wells Fargo Mobile app, or call 1-877-294-6933.
- PIN Activation: You can also activate the card at a Wells Fargo ATM using your PIN.
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Card Usage:
- Safe Transactions: Use the debit card for purchases, bill payments, and accessing cash at over 11,000 Wells Fargo ATMs.
- PIN Usage: When activating the card or making ATM transactions, a PIN may be required.
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Importance of Activation:
- Necessary Step: Activating the debit card upon receipt is crucial for utilizing the card and protecting against fraud.
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Turning Card On or Off:
- Temporary Deactivation: If you misplace your card, you can temporarily turn it off through Wells Fargo Online or the Mobile app to prevent unauthorized transactions. You can later turn it back on.
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Lost or Stolen Card:
- Reporting: If your card is lost or stolen, you can order a replacement online, through the Mobile app, or by calling Wells Fargo at 1-800-869-3557.
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Card Protection Measures:
- Zero Liability Protection: Wells Fargo provides reimbursem*nt for unauthorized transactions when reported promptly.
- Account Monitoring: Regularly reviewing accounts for unusual activity.
- Fraud Alerts: Alerts for suspicious card activity are automatically sent without enrollment.
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Tips for Self-Protection:
- Caution at Sales Counters and ATMs: Be aware of your surroundings to protect your PIN.
- Set up Alerts: Receive notifications for specific card activities.
- Regular Account Monitoring: Access accounts securely through Wells Fargo Online for transaction and balance tracking.
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Dealing with Non-Receipt of Card or PIN:
- Immediate Action: Call Wells Fargo at 1-800-869-3557 if you haven't received your debit card. If the PIN is missing, visit the nearest Wells Fargo branch.
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Fraudulent Activity Reporting:
- Prompt Reporting: If fraudulent activity is suspected, customers are encouraged to call Wells Fargo immediately at 1-800-869-3557.
In conclusion, this information emphasizes the importance of timely activation, security measures, and proactive steps to protect oneself when using a Wells Fargo debit card. If you have any further questions or concerns, feel free to ask.
