Quick answer: Reset your Wells Fargo password by going to the official login page, clicking Forgot Username or Password, choosing Password, entering your username and Social Security Number, completing identity verification with a one-time code sent to your registered phone or email, and creating a new password. Most Wells Fargo password resets complete in under five minutes when your contact information on file is current. If the reset fails, the cause is almost always incorrect personal information, outdated contact details, or a VPN interfering with the verification flow.
Official reset link: wellsfargo.com — Password help (official)
Estimated reading time: 8 minutes
How to reset your Wells Fargo password on the website
- Go to wellsfargo.com — type the address directly rather than clicking a link from a text or email
- Click Sign On in the upper right corner
- Select Forgot Username or Password? below the sign-on fields
- Choose Password
- Enter your Wells Fargo username when prompted
- Enter your Social Security Number for identity verification
- Choose a verification method — Wells Fargo will send a one-time code to your registered phone number or email, or offer a call-back option
- Enter the verification code when it arrives
- Create a new password and confirm it
- Sign in immediately with your new password
Once the reset is complete, update your saved password in your browser or password manager to prevent the same issue from recurring. Wells Fargo’s sign-on page uses a two-step flow — username on the first screen, password on the second — make sure you are navigating through both screens correctly after the reset.
How to reset your Wells Fargo password in the mobile app
- Open the Wells Fargo Mobile app — confirm it is the official app from Wells Fargo Bank
- Tap Sign On
- Select Forgot Username or Password?
- Choose Password
- Enter your username and Social Security Number when prompted
- Complete verification using the code sent to your registered contact
- Create and confirm your new password
If the Wells Fargo app is not loading or crashing during the reset process, complete the reset on wellsfargo.com on desktop instead. For app-specific issues, see Wells Fargo app not working — causes and fixes.
How to recover your Wells Fargo username
If you have forgotten your username rather than your password, use the same recovery flow with a different selection:
- Go to wellsfargo.com and click Sign On
- Select Forgot Username or Password?
- Choose Username instead of Password
- Enter your Social Security Number and other identifying information
- Complete identity verification
- Your username will be displayed — note it down before proceeding
- If you also need to reset your password, start the process again and select Password
If both your username and password are unknown, recover your username first — then reset your password in a separate step. Attempting both simultaneously or in the wrong order can trigger a verification failure and temporary lock.
What you need to complete the reset
- Your Wells Fargo username — required for the password reset flow; if you do not know your username, recover it first using the Username option
- Your Social Security Number — Wells Fargo uses this as the primary identity verification step in the password reset flow
- Access to your registered phone number or email — Wells Fargo sends a one-time verification code here; if this information is outdated the reset will fail at the verification step
The most common reason Wells Fargo password resets fail is that the phone number or email on file is outdated and the verification code cannot be delivered. If you no longer have access to your registered contact information, calling Wells Fargo directly is the only path to completing the reset.
Why Wells Fargo password resets fail — and how to fix each one
Incorrect personal information
Wells Fargo verifies your identity using your username and Social Security Number. If either does not match what is on file exactly, the verification fails. Double-check that you are entering the correct username — if you have multiple Wells Fargo accounts, make sure you are using the username associated with the account you need to access. If you are unsure of your username, recover it first before attempting the password reset. After two clean failed attempts, call Wells Fargo rather than continuing to try.
Verification code not arriving
Wait two to three minutes before requesting another code — carrier networks sometimes delay SMS delivery and requesting codes back-to-back throttles delivery further. Check spam and junk folders for email codes. Disable any VPN before attempting — Wells Fargo’s security system frequently routes sessions through enhanced verification when a VPN is detected, which can delay or block code delivery. Restart your phone if SMS is generally delayed. If codes consistently do not arrive, your registered contact information is likely outdated — call 1-800-869-3557 to update it and complete the reset over the phone.
Account temporarily locked after failed attempts
If multiple failed attempts have triggered a temporary lock, stop trying immediately — continued attempts extend the lock period. Wait at least 15 to 30 minutes, then try the reset flow again from the beginning. In most cases completing a successful password reset also clears a temporary lock. If the lock persists after a successful reset, call 1-800-869-3557 — Wells Fargo customer service can manually clear the lock after identity verification.
VPN or browser blocking the reset flow
Wells Fargo’s password reset page requires specific scripts and cookies to function correctly. A VPN masking your location, an ad blocker blocking authentication scripts, or a privacy browser deleting cookies mid-flow can all cause the reset page to stall or fail silently. Fix: disable VPN, pause ad blockers and privacy extensions, try a private or incognito browser window, and if necessary try a completely different browser. If the reset page stalls on the website, try completing the reset in the Wells Fargo mobile app instead — or vice versa.
Reset completes but login still fails
If the reset completes successfully but you still cannot log in, the issue may be a broken browser session or login loop rather than a credential problem. Open a private or incognito window, allow cookies for wellsfargo.com, disable ad blockers, and try logging in fresh with the new password typed manually — not autofilled. Wells Fargo’s sign-on page uses a two-step flow — username first, password second. Make sure you are progressing through both steps correctly. For the full login troubleshooting guide, see Wells Fargo login guide.
Outdated contact information on file
If you no longer have access to the phone number or email registered on your Wells Fargo account, the automated reset flow cannot complete the verification step. Call Wells Fargo at 1-800-869-3557 — they can verify your identity through your SSN and account history, update your contact information, and restore access during the same call. This is the most common scenario for customers who changed phone numbers without updating their Wells Fargo account information.
When to contact Wells Fargo directly
Contact Wells Fargo if the reset flow cannot verify your identity because personal information does not match, your contact information is outdated and you cannot receive verification codes, your account remains locked after multiple reset attempts, or you suspect someone else has changed your password. Always use Wells Fargo’s official customer service number — not a number from a search result, text, or email.
Wells Fargo customer service: 1-800-869-3557
When you call, have ready: your username if known, your Social Security Number, and the phone number or email you believe is registered on the account. The more information you can provide, the faster Wells Fargo can verify your identity and restore access.
Related Wells Fargo guides
- Wells Fargo login guide — sign in and fix login problems
- Wells Fargo app not working — causes and fixes
- Why your Wells Fargo transfer is pending
- Wells Fargo deposit limits
- Wells Fargo routing number
- Why your bank login is not working — full guide
Frequently Asked Questions
How do I reset my Wells Fargo password?
Go to wellsfargo.com, click Sign On, select Forgot Username or Password, choose Password, enter your username and Social Security Number, complete verification with a one-time code sent to your registered phone or email, and create a new password. The process takes under five minutes when your contact information on file is current.
Why is my Wells Fargo password reset not working?
The most common reasons are incorrect personal information entered during verification, a verification code not arriving because registered contact information is outdated, a VPN or browser extension blocking the reset flow, or a temporary lockout from multiple failed attempts. If contact information is outdated, call 1-800-869-3557 to complete the reset over the phone.
Can I reset my Wells Fargo password without my phone?
Yes, if your email address is registered on the account — Wells Fargo can send the verification code to email instead of SMS. Wells Fargo also offers a call-back option during the reset flow. If neither your phone nor email is accessible, call 1-800-869-3557 for phone-based identity verification using your personal information and account history.
How long does a Wells Fargo password reset take?
The online reset process typically takes three to five minutes when your contact information is current and the verification code arrives promptly. If you need to call Wells Fargo because your contact information is outdated or your account is locked, expect standard hold times of five to fifteen minutes depending on call volume.
What if I forgot both my Wells Fargo username and password?
Recover your username first — select Username in the Forgot Username or Password flow, verify your identity, and note your username. Then start the process again and select Password to complete the reset. Attempting both in the wrong order can trigger a verification failure and temporary lock.
Will resetting my Wells Fargo password unlock my account?
In most cases yes — completing a successful password reset also clears a temporary lock from too many failed login attempts. If the account remains locked after a successful reset, call 1-800-869-3557. Customer service can manually clear the lock and confirm your access is fully restored.
Why does Wells Fargo ask for my Social Security Number to reset my password?
Wells Fargo uses your SSN as the primary identity verification step before granting access to reset your password — confirming you are the legitimate account holder. This is different from some institutions that use only a card number. If you are uncomfortable entering your SSN online, the phone-based reset option at 1-800-869-3557 provides an equally secure alternative.
