![]() ![]() Photo Credit: Wells Fargo Corporate Archives. Launched in 1994, the Wells Fargo website was mainly informational at first. It also featured history trivia and high resolution pictures of Wells Fargo’s iconic stagecoaches. It functioned mostly as a marketing platform by offering customers access to brochures and product descriptions. ![]() It launched its first website on December 12, 1994. Meanwhile, Wells Fargo was exploring new possibilities of the internet. Advertisement for banking online using software in the early 1992. In 1989, Wells Fargo customers could access their accounts using a floppy disk and a subscription to Prodigy services. Wells Fargo started offering online account access through Prodigy in 1989, and by the mid-1990s it found that only about 10,000 of its 3.5 million customers used the service. Customers had to use floppy disks and dial up modems to connect to their information. Customers had to buy a software package and pay a monthly fee for their software’s subscription in addition to any fees charged by their bank. The sophisticated system had severe drawbacks. They could also transfer money, read news, play games, and even order groceries online using the community bulletin feature. Customers using the Prodigy service were able to access their bank accounts from the comfort of home for the first time. ![]() Prodigy, owned by Sears, offered a secure network that Wells Fargo and other banks and businesses allowed to access their own company computer systems. Other software companies realized that there was potential to become the platform of choice for customers to do their banking. Customers still had to input their transactions by hand, and there was no way for them to easily import a spreadsheet from the bank. Wells Fargo saw the potential for customer convenience, and agreed to sell the software in its branches. It allowed customers to keep detailed financial histories and even print checks. In 1984, technology company Quicken launched its new bookkeeping software. Demonstration of Quicken software’s check register (left) and check printing (right) features in 1984. Secured software on floppy disks offered some of the earliest solutions, but encrypted web-based platforms had the lasting legacy and are still used by customers today. Realizing that banking customers would start to expect their account access to extend online as well as in-person, banks started to experiment with new technologies to make banking online at home possible. In California, almost 36% of people used a computer at work or home by 1989. By the 1980s, computers had shrunk to fit on most desks, and had evolved to become more user friendly. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle ®.Early computers filled entire rooms and required a dedicated team of skilled programmers to operate. Your mobile carrier's message and data rates may apply. ![]() For more information, view the Zelle ® Transfer Service Addendum to the Wells Fargo Online Access Agreement. To send or receive money with a small business, both parties must be enrolled with Zelle ® directly through their financial institution’s online or mobile banking experience. Payment requests to persons not already enrolled with Zelle ® must be sent to an email address. The Request feature within Zelle ® is only available through Wells Fargo using a smartphone. Neither Wells Fargo nor Zelle ® offers purchase protection for payments made with Zelle ® - for example, if you do not receive the item you paid for or the item is not described or as you expected. For your protection, Zelle ® should only be used for sending money to friends, family, or others you trust. Transactions between enrolled users typically occur in minutes. checking or savings account required to use Zelle ®. Enrollment with Zelle ® through Wells Fargo Online ® or Wells Fargo Business Online ® is required. ![]()
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