New consumer terms rolled out at several banks this week. As the former head of online and payment services at Wachvoai (40%+ of Wells) I had managed these agreements. Changes are a very big deal, usually less than once per year. Given my history with Wachovia I chose to review the Wells Fargo below agreement (JPM, BAC, and COF all have similar).

https://www.wellsfargo.com/online-banking/online-access-agreement/