June 4, 2024

Get to know Wells Fargo’s virtual assistant, Fargo®

Built into the Wells Fargo Mobile app, Fargoprovides users with a personalized, helpful, and simplified banking experience.

“Hi, I’m Fargo. I’m here to give you insights into your finances and make managing your money easier.”

Just like fitness trackers and apps have revolutionized the workout industry by removing the burden to manually track your wellness goals, Fargo was designed to do the same for the banking industry — to work seamlessly in the background to help you stay on track to achieve your financial goals.


Reduced-stress banking

Recent studies show that many young adults are overwhelmed by financial stress, and their coping mechanism is to ignore the problem. Average credit card debt among millennials and Gen Z is on the rise, and these generations are more likely to pay a late fee or take an advance on their credit card.

“Money anxiety is a real thing, and our goal with Fargo is to enable and empower customers along their financial journey,” said Michelle Moore, head of digital for Consumer Wealth & Investment Management at Wells Fargo. “It’s more than just dollars and cents; it’s about uplifting our customers’ emotional and financial well-being by understanding their financial goals and providing the most convenient interactions to meet those goals.”

“How can I help today?”

Fargo’s insights can proactively:

  • Highlight unusual activity, like a duplicate charge or change in subscription amount
  • Show you when a recurring payment is higher than usual
  • Forecast the amount of money you need to cover upcoming expenses and watch for low balances
  • Analyze cash flow and suggest smart money moves, like the best time to save money

By the close of 2024, Fargo will be able to show paycheck history, offer credit score inputs like new activity and inquiries, provide cashflow summaries, and celebrate meeting savings goals.

To start using Fargo, open the Wells Fargo Mobile app, tap the Fargo search bar, and either speak or start typing a request in English or Spanish. Fargo will understand your needs and will deliver a solution.

1 Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Fargo is only available on the smartphone versions of the Wells Fargo Mobile® app.

Turning off your debit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions; transactions using other cards linked to your deposit account; or the posting of refunds, reversals, or credit adjustments to your account. Any digital card numbers linked to the debit card will also be turned off. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

3 You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.