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These are the most common questions about setting up and using the integrated credit card features.

Q:ExpenseWire.com is prompting me to put in sensitive information regarding access to my credit card transactions. Is this secure?  

Yes, it is secure. You and your associated banks require passwords and personal IDs to access the banking transactions. ExpenseWire does not store usernames or passwords. If you forget your personal ID and/or password, you are required to retrieve your secure information from the associated bank.

Q:How do the "credentials" work?

This feature simply acts as a secure portal (Web Service) into the financial institution issuing your credit card. All data traffic is encrypted. In order to use this feature, you must first establish a user login through your financial institution's website.

Q:How do I get started?

ExpenseWire provides real-time access to over 11,000 financial institutions. Start by finding your financial institution. If you already have a website account with your financial institution, simply provide your credentials and your setup is complete. For more information, please see Set Up and Maintain Credit Card Accounts.

Q:What if I don't yet have an online access with my bank?

If you do not already have an account accessible via the Internet, you should contact their financial institution to set up your online access. Click Online Banking to locate your financial institution’s customer service number.

Q:How do I look up my credit card financial institution?  

ExpenseWire can search on over 11,000 financial institutions. For more information, see Set Up and Maintain Credit Card Accounts.

Q:After submitting my credentials, the system did not return any (or very few) transactions from my account. I know I have more transactions in the past 30 days. Where are they?  

Every financial institution responds to web requests differently. Many banks provide transactions from the current open statement, so if you are at the beginning or end of your statement cycle at the time you register your credit card on ExpenseWire, you may receive little if any transaction data. ExpenseWire aggregates your transaction data each night. You should check back 24 hours later to view past transactions on the ExpenseWire system.

Q:Does the Expense Type field automatically detect the type of transaction being returned by my bank?  

ExpenseWire learns your usage and automatically enters the predicted data into the expense type field. You may change the data as this is not a locked field.

Q: Why don't my most recent transactions show up?  

Retailers and financial institutions each have their own policies for posting transactions. Typically transactions are only posted after the end of the banking (business) day. This means that transactions that occur before 4:00 p.m., are usually available after midnight that same day. Transactions that occur after 4:00 p.m. are usually not available until midnight, the next business day. ExpenseWire's nightly process retrieves new and old data. Please check back the next business day.

To add/delete a card or bank account please follow these steps:

In the Klarna app

1. Log in to the app
2. Select ‘Payment methods’ in your ‘My Klarna’ settings
3. Choose to ‘Add a card’, ‘Add a bank account’, or ‘Remove’

On Klarna.com

• Log in to Klarna.com with the email address associated with your account
• Select ‘Payment methods’
• Choose to ‘Add a card’, ‘Add a bank account’, or ‘Remove’

Good to know: You’re able to have one bank account saved at a time and once it is removed you can add a new account. You are able to save multiple cards but must choose one as your primary card for payments.

Please note, you must use your bank account and routing numbers to make an online payment on your Klarna credit account.

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A lot of banks offer a full slate of account options, with various bells and whistles that can make it hard to determine the best fit for your needs. Instead of overloading you with options, Chime keeps it simple with one checking account, one savings account and one secured credit card, all tied up with an attractive mobile app.

This review provides an overview of Chime’s personal banking products. It’s important to note that Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

What we’re watching: As reported by ProPublica in July 2021, recently there have been numerous complaints from Chime consumers regarding sudden account closures. In more than 900 complaints filed with the CFPB since April 15, 2020, customers have reported being denied access to funds in Chime accounts. A Chime statement said that these issues were caused by Chime’s heightened anti-fraud efforts during the Covid-19 pandemic.

Here are the facts you should know about Chime and how its services compare to your other banking options. Account details and annual percentage yields (APYs) are accurate as of August 26, 2021.

Account Basics

Chime Spending Account

Chime’s checking account, known as a Spending Account, prides itself on its lack of fees. It charges no monthly account fees and doesn’t require a minimum balance.

Chime offers a program that accelerates your direct deposits, making them available up to two days early. Once you establish direct deposit into your Spending Account, you’re eligible and can choose to receive your payment up to two days early, as soon as your employer deposits it.

If you receive direct deposits of at least $200 each month, you can enroll in Chime’s SpotMe service. This optional service initially allows you to overdraw your account by up to $20 on debit card purchases without a fee. Chime can increase your SpotMe allowance to up to $200 or more at its discretion based on your account history, direct deposit amounts and frequency, spending activity and other factors. You can check your SpotMe limit in the mobile app. SpotMe does not cover non-debit card transactions.

Need to send a paper check? You can generate one from the Chime mobile app and Chime will send it in the mail for you.

Chime Savings Account

Chime’s high-yield Savings Account offers an 0.50% APY. It doesn’t charge monthly fees or require a minimum balance. There is no cap on the amount of interest you can earn and, as long as you have at least a penny in your account, you’ll earn interest. There is no minimum deposit to open an account, but you must have a Chime Spending Account in order to open a Chime Savings Account.

Chime has two optional programs to make saving money easier.

The Save When You Spend feature allows you to save small amounts when you make purchases. Whenever you use your Chime debit card, Chime rounds the transaction up to the nearest dollar and transfers the difference to your Savings Account. Spend $25.50 at the grocery store? You’ll pay the store for that amount from your debit card, and Chime will move 50 cents from your Spending Account to your Savings Account. It may not seem like much, but if you make a lot of debit purchases, you could see your savings accumulate.

Chime also offers a Save When You Get Paid feature that allows you to set up a recurring transfer of 10% of your direct deposit paycheck of $500 or more from your Spending Account to your Savings Account each time you get paid.

Other Accounts and Services

Chime offers the Chime Credit Builder Card* that’s available without a credit check. If you’re working to build your credit history, you can add money from your Chime Spending Account to your Credit Builder account to spend on your Chime Visa credit card. Chime reports your payments to all three major credit bureaus. The Credit Builder secured card is unusual in that it charges a 0% APR.

You can make free mobile payments to family and friends—whether they are Chime members or not—through Chime’s Pay Anyone peer-to-peer system. There’s a monthly limit of $2,000.

Access on the Go

Since Chime is designed to be used primarily through its mobile app, it offers plenty of features to make mobile banking convenient. Chime is known for its mobile app, which is rated 4.8 out of 5 stars at the App Store and 4.6 out of 5 at Google Play.

The Chime app sends daily account balance notifications and transaction alerts when you make a purchase. You can disable transactions from the Chime app, saving yourself a customer service call if you misplace your card. You can also choose to disable international transactions via the app.

Your Chime debit card works anywhere Visa is accepted, and you can add it to your Apple Pay or Google Pay mobile wallet. You also have access to more than 60,000 MoneyPass, Allpoint and Visa Plus Alliance ATMs. You can check the Chime app to help you avoid incurring out-of-network ATM fees.

If you want to deposit a check to your Chime Spending Account, you can do so via mobile deposit on the Chime app.

If you lose your Chime debit card, you can disable transactions from within the Chime app. Replacement debit cards are free and can be requested in the Chime app.

Pros

• Simple lineup of free account options
• Very competitive savings APY
• Automated savings tools to help improve your habits
• Early receipt of direct deposit payments

Cons

• No branches for in-person service
• Recent customer complaints regarding access to Chime accounts and funds

How Chime Stacks Up

If you’re looking for a full suite of banking services, Chime may not be the best fit for you. But if you’re just getting started on your financial journey and want a user-friendly set of financial tools, facilitated by a multipurpose app, Chime covers the basics well. Its automated savings tools are particularly attractive for customers who want to boost their emergency fund or save for another goal.

A Note on Chime Products

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Frequently Asked Questions (FAQs)

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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 capital one logo transparent when you set up recurring payments through your service provider using your Wells Fargo credit card with a rewards feature.

Chip Technology

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 pay my geico bill by phone 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 Associated bank credit card customer service 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 city bank lubbock texas phone number 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 associated bank credit card customer service 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

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.

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