Wells Fargo stops looking the other way and half of America trembles because of this

Wells Fargo, one of the most important banks in the United States, has issued a strict warning to its customers. Since last spring, those who ignore this about their account could face something very serious: suspension and automatic closure of the account. For this reason, we advise you not to play with fire.

Wells Fargo defines an inactive account as one that doesn't register any customer-initiated activity for 16 consecutive months. Not even automatic payments, interest, or commission charges count as valid activity.

Be very careful if your account is like this: Wells Fargo won't warn you again

If your account remains inactive during this period, the bank first marks it as inactive and then may proceed to close it automatically. Although Wells Fargo says they send reminders by email and mail, many users have reported that they did not receive any notice.

Once the account is closed, your funds do not disappear, but they are considered "abandoned property," meaning they are transferred to the corresponding state according to state laws on unclaimed funds. Recovering them can be a slow, cumbersome, and sometimes costly process, including legal procedures.

How does Wells Fargo warn you?

The bank states that they send a strict warning before closure. They do so by email and mail to the account holder. However, you must stay alert: many customers report that they never received these messages, which makes it even more important to act without waiting for notification.

Wells Fargo firmly justifies this policy: compliance with state laws on unclaimed funds. If they are not recovered, they must go to the state or reduce fraud risks.

The fact is that keeping "dead" accounts generates expenses for the bank. In essence, eliminating unused accounts allows the bank to focus on active customers, save resources, and better protect their systems.

This is what you must do to avoid closure

The good news is that it is easy to avoid the risk of suspension or closure. Make any transaction before the 16 months are up. It can be as simple as a minimum deposit (for example, $1), a transfer between accounts, or a withdrawal or payment with the card.

Log in to the bank's app or website, so the account is considered active again and the inactivity counter resets. If you have already received a previous notification, act as soon as possible. Even a minimal action prevents closure and the loss of time to recover your funds.

If your account has been closed, do not panic, because your funds are not lost. However, you must contact the bank to find out if the balance was sent by mail check or transferred to another active account.