• Color picture of a Wells Fargo agent seated at a desk covered in papers next to a safe.
Heritage

Before apps, there was a Wells Fargo agent for that

2020-08-13T17:17:38-07:00
Posted on April 9, 2020

In the last half of the 1800s, Wells Fargo’s network of hundreds of agents would take care of a customer’s personal or commercial business by commission.

In the last half of the 1800s, long before the ubiquity of online shopping and on-demand delivery, Wells Fargo agents took care of a customer’s personal or commercial business by commission, putting the company’s network of hundreds of agents at the service of individual customers.

Wells Fargo did more than move money and facilitate payments. Whether your business was in the neighboring county or a different state, Wells Fargo had someone on the ground to look after your interests.

Left yellow envelope says: No. 266 Commission, To be Attended to by San Francisco Office. WELLS, FARGO & CO’S EXPRESS. A Gen, Columbia. To buy Five double Knobs for inside doors without locks. (If such any to be had send Adv. Charges). Columbia Nov. 4, 1868. Right yellow envelope says: No. 941 Commission, To be Attended to by Columbia Office. WELLS, FARGO & CO’S EXPRESS. JA Gilman Columbia. To purchase from Salvator Rosa 157 Montgomery St 2 Copies of Schatzman’s Sax Horn Instructor. Columbia May 17, 1860.

Some customers asked Wells Fargo to find and buy unusual merchandise items and deliver them by express. The company charged $1 commissions for each of these requests. Photo Credit: Wells Fargo Corporate Archives.

The company’s 1871 manual, “Instructions to Agents and Employees,” explained the convenience of commissions: “The most popular feature of an Express, is that it furnishes a reliable, speedy, and responsible medium for the transaction of all kinds of business at places more or less remote from each other …”

By hiring Wells Fargo to handle business, a person could avoid multiple days of travel to pay a bill or file a deed in a neighboring county. Customers also commissioned Wells Fargo’s many agents to make special purchases of goods not locally available, such as fancy doorknobs, two copies of “Schatzman’s Sax Horn Instructor,” or a large 34-star U.S. flag.

In fulfilling the commission business, a local agent filled out a commission envelope, which included instructions from the customer, along with sufficient funds to complete the task. The commission might involve filing a deed in a distant county seat, securing a business license, making a payment on an insurance policy, or locating and purchasing a hard-to-find item. The envelope, instructions, and payment would then be forwarded through the company’s express network to the Wells Fargo agent who could best provide the solution for the customer.

A lined paper with Wells Fargo & Company’s Express says: Columbia Dec. 15 1873. Agent W.F. & Co. Redwood City. Please pay taxes on the following described property of H.N. Snow on Lots No 2 & 3 in block No 35 in City Extension, Homestead Association San Bruno Township and send Outlay Adv. Charges. Yours Truly, H. Sevening Agt.

In December 1873, Wells Fargo customer H.N. Snow commissioned company agents to pay his taxes in a county far away. Photo Credit: Wells Fargo Corporate Archives.

Many Wells Fargo commissions involved payment of taxes. Property owners who were absent when property taxes came due could depend on Wells Fargo’s network of hundreds of agents to handle the important transaction.

In December 1873, H. N. Snow in the mining town of Columbia, California, went to his local Wells Fargo office on an important errand. Snow needed to pay taxes on two lots in distant San Mateo County, south of San Francisco. Agent Henry Sevening wrote to Wells Fargo’s agent in Redwood City, the county seat, outlining Snow’s desire and sent off the commission envelope on the next departing stagecoach.

Left yellow envelope says: No. 290 Commission To be Attended to by Redwood City Office. WELLS, FARGO & CO’S EXPRESS. From H.N. Snow, Columbia. To pay State & County Taxes on his property. Instructions enclosed. Columbia Dec. 15, 1873. Right yellow envelope says: No. 76 Commission, To be Attended to by San Francisco Office. WELLS, FARGO & CO’S EXPRESS. From Yankee Hill Union Club, Columbia. To procure a regular (Bunting) American Flag 34 stars of good material for the Amt. $33 sent herewith. As large as possible. Columbia May 19, 1861

Whether paying taxes for H.N. Snow or procuring a 34-star American flag for the Yankee Hill Union Club, Wells Fargo agents delivered. Photo Credit: Wells Fargo Corporate Archives.

That commission envelope traveled 69 miles by stage from Columbia to Stockton, California, in Wells Fargo’s treasure box — then eight hours by river steamship to San Francisco, guarded by a Wells Fargo messenger on board. Finally, another Wells Fargo messenger accompanied important express items seven stops on the Southern Pacific Railroad from San Francisco south to Redwood City. En route to Redwood City, the train passed through San Bruno Township and past the two lots that Snow had invested in within the City Extension Homestead Association tract. In Redwood City, Wells Fargo agent S. L. Knight made sure the customer’s business was attended to promptly. For the service, Snow paid Wells Fargo $2.58 and was glad to have found an alternative to taking the long trip himself.

In an era when taking care of business sometimes required a cost of both time and effort, Wells Fargo made life easier for its customers.

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