If understood you correctly, your post speaks about exchanging the public key file. Wells Fargo says that key exchange is not yet supported in their implementation of SFTP for Secure File Transport. So that's out.
Jerry & John,
Wells Fargo's document entitled "Wholesale Transmission Options" says that to do SFT with them using SFTP, you much use a userid and password only "(gigital certificates are not supported with SSH)" and the passwords must be changed every 60 days.
So, please look at my original forum submission (Subject line) and provide specific implementation answers if you can.
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