Two Factor Authentication (2FA) Protection (2024)

What is two-factor authentication?

Two-factor authentication, also known as "2FA", or sometimes referred to as "2-factor authentication" or "multi-factor authentication", is a way to verify a person’s identity using two different authentication factors. For example, using both your password and an access code sent to your mobile device to sign in is more secure than using only your password.

Wells Fargo may require two-factor authentication to confirm your identity when completing certain transactions or changes online.

Customers can add an additional layer of security to protect their accounts by activating Wells Fargo's 2FA feature, 2-Step Verification at Sign-On. Once activated, you will be prompted to enter an access code as part of the sign on process. You can get the code by:

- Requesting that Wells Fargo send it by push notification, text, email or a phone call.

Tip

When planning to travel abroad, consider using an RSA SecurID^® device to generate the access code since some forms of digital communication may not be available on your trip.

Imposter scams

Even when using two-factor authentication (2FA), it's still important to protect your accounts. Criminals know that access codes may be needed to commit their crimes and have devised ways to obtain them. A common scam involves a criminal acquiring an access code using the most unlikely and unsuspecting accomplice — you. In this scenario, the scammer — who has already stolen your username and password — manipulates you to get you to divulge the last piece of information they need, your access code. Don't share your access codes with anyone. Wells Fargo employees will never contact you and ask for your one-time access codes, PIN, or password.