The two ways to add someone to your Wells Fargo account

You can add another person to your Wells Fargo account in two ways: as a joint owner (who has full access and legal ownership) or as an authorized user (who can use the account but does not own it). Joint ownership is permanent and gives both people equal rights to the money. Authorized users can be removed at any time, and their access does not transfer ownership.

Which one you choose depends on your relationship with the person and how much control you want them to have. If you are adding a spouse or adult child you fully trust with the account, joint ownership makes sense. If you are adding a teenager, caregiver, or someone you want limited access for, authorized user is the safer choice.

Both changes happen at a Wells Fargo branch or online, though some account types have restrictions on who can be added.

Key Takeaways

  • Joint owners have equal legal rights to all money in the account and can make any transaction; authorized users can withdraw and transfer funds but do not own the account.
  • Adding a joint owner requires both people to visit a branch with ID, or one person can start the process online and the other must complete it in person.
  • Authorized users can be added online or at a branch, and you can remove them without their permission at any time.
  • Some account types, like certain investment or trust accounts, do not allow joint owners or authorized users to be added.
  • The person being added will need a Social Security number on file with Wells Fargo, which usually means they need their own Wells Fargo account or ID.

Adding a joint owner to a checking or savings account

To add a joint owner, both you and the person you are adding must go to a Wells Fargo branch together with government-issued photo ID. Bring your account number or the card you use for that account. The branch will verify both identities, confirm you both want to proceed, and update the account on the spot. The new joint owner's name will appear on the account, statements, and debit card within a few business days.

If you cannot both visit a branch at the same time, you can start the process online through Wells Fargo's website or mobile app. Log in, find the account, and look for "Manage account" or "Account settings." Select the option to add an owner. You will enter the other person's name, date of birth, and Social Security number. Wells Fargo will send them a notification, and they must log into their own Wells Fargo account (or create one) to confirm and complete the addition. This usually takes one to three business days.

Once someone is a joint owner, they have the same rights you do: they can withdraw money, close the account, open credit products tied to it, or remove you. There is no way to limit what a joint owner can do with the account.

Adding an authorized user online or at a branch

Authorized users have fewer rights than joint owners. They can use a debit card, make transfers, and withdraw money, but they cannot close the account, change the account holder's contact information, or remove you. You stay the legal owner and can remove them at any time without their permission.

To add an authorized user online, log into your Wells Fargo account, go to "Manage account" or "Account settings," and select "Add authorized user." Enter their name, date of birth, and Social Security number. They will receive a notification and may need to confirm the addition through their own Wells Fargo account. If they do not have a Wells Fargo account, they can still be added, but they will need to set one up to use online or mobile banking.

You can also add an authorized user at any Wells Fargo branch. Bring your ID and account information. The authorized user does not have to be present, though some branches may ask for their consent in writing. Ask the branch what documentation they need before you go.

What happens after someone is added

Once a joint owner or authorized user is added, they can usually access the account within one to three business days. If they are a new Wells Fargo customer, they may need to set up online and mobile banking access first. A new debit card can be ordered at the branch or through online banking and typically arrives within five to seven business days.

All transactions made by the joint owner or authorized user will appear on the account statement under your name. You will see their activity in your transaction history, and they will see yours. If you have alerts set up (like low balance notifications), both of you will receive them.

Removing an authorized user is straightforward: log into your account online, go to "Manage account," find the authorized user, and select "Remove." The change takes effect when ready, though their debit card will not work right away—it may take a few hours. Removing a joint owner is more complicated and usually requires both people to visit a branch or a lawyer, depending on the account type and your state's laws.

Account types that may not allow additions

Most Wells Fargo checking and savings accounts allow joint owners or authorized users. However, some account types have restrictions. Money Market accounts, certain investment accounts, and accounts held in trust often cannot have joint owners added. Accounts opened under a business name or tax ID number have different rules than personal accounts.

Before you start the process, call Wells Fargo at 1-800-869-3557 or ask at your branch whether your specific account type allows additions. This takes five minutes and prevents wasted trips or rejected requests.

Documents and information you will need

Have these items ready before you visit a branch or start the online process:

  • Your government-issued photo ID (driver's license, passport, or state ID).
  • The other person's government-issued photo ID (required if they are present).
  • Your account number or debit card for the account you are modifying.
  • The other person's Social Security number.
  • The other person's date of birth.
  • If the person does not have a Wells Fargo account, they will need to create one or provide their contact information so Wells Fargo can send them a notification.

If you are adding a minor (under 18), the rules vary by state. Some states require both parents or guardians to consent. Call your branch ahead of time to confirm what is needed for a minor in your state.

Frequently Asked Questions

Can I add someone to my account without them knowing?

No. If you are adding a joint owner, both people must consent and verify their identity. If you are adding an authorized user, Wells Fargo will notify them, though the notification may be sent to an email or phone number you provide. You cannot add someone without their knowledge, and doing so would be fraud.

What is the difference between a joint owner and a beneficiary?

A joint owner has access to the account right now and can use the money when ready. A beneficiary is named to receive the account balance only after you die. Beneficiaries have no access while you are alive. If you want someone to have access now, add them as a joint owner or authorized user, not as a beneficiary.

Can I add someone to my account if they do not have a Social Security number?

Wells Fargo requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to add someone to an account. If the person does not have one, they will need to obtain one before they can be added. This process is handled through the IRS and can take several weeks.

What happens to the account if a joint owner dies?

The account does not automatically close. The surviving joint owner retains full access and ownership. The deceased's estate may have claims on the account depending on state law and whether a will exists. Contact Wells Fargo and an attorney to understand your specific situation.

Can I remove a joint owner?

Removing a joint owner is more difficult than removing an authorized user because both people have equal legal rights. Most states require both people to agree and visit a branch together, or you may need a court order. Contact Wells Fargo to learn the process in your state, or speak with an attorney if the joint owner refuses to cooperate.