"Wells Fargo updated its Online Access Agreement on November 2, 2026. Wells Fargo's new agreement defines an "AI Agent" broadly: "any software that takes autonomous, semi-autonomous, or non-autonomous action on behalf of any person or entity" using your online banking credentials. That definition covers everything from an Autopilot bill-payer integrated into your financial app to a ChatGPT plugin you authorized last week without reading its fine print."