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Text Content

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HOW CAN WE HELP?

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    * Customer service and FAQs
    * Find routing and account numbers


POPULAR FAQS

 * How do I set up a wire transfer?
 * When will my deposit be credited to my account?
 * Why are my available balance and posted balances different?
 * See more FAQs


‍ Search
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 * Small Business
 * Small business checking accounts


SMALL BUSINESS CHECKING ACCOUNTS

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WHAT'S YOUR HOME ZIP CODE?

We need this to give you accurate rate and fee information for your location.

ZIP code

Note: Cookies must be enabled in your browser settings.


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CA, 94105 Change LocationOpens Dialog
‍


DISCOVER WHAT’S RIGHT FOR YOUR BUSINESS

Most popular account High-volume account Premium account
For your everyday business needs


INITIATE BUSINESS CHECKING® ACCOUNT

Best for

 * Most common business banking needs
 * Lower balances and fewer transactions



Monthly service fee

$10

Avoid this fee with $500 minimum daily balance OR $1,000 average ledger balance
each fee period



Benefits

 * Wells Fargo Business Online® and Wells Fargo Mobile® banking, including
   Business Bill Pay and Wells Fargo Mobile DepositOpens a modal dialog for
   footnote 1
 * More than 11,000 ATMs across the country



Common fees

Quick view of account fees



What you need to apply

$25 minimum opening deposit

Learn more Apply now
Make an appointment at a branch
Learn more Apply now
Grow your business with interest


NAVIGATE BUSINESS CHECKING® ACCOUNT

Best for

 * Higher balances and increased financial activity
 * Discounts on certain banking services



Monthly service fee

$25

Avoid this fee with $10,000 minimum daily balance OR $15,000 average combined
business deposit balancesOpens a modal dialog for footnote 2



Benefits

 * Discounted banking services
 * Waived fees on certain eligible linked accounts
 * Interest-bearing account  



Common fees

Quick view of account fees



What you need to apply

$25 Minimum opening deposit

Learn more Apply now
Make an appointment at a branch
Handle complexity with ease


OPTIMIZE BUSINESS CHECKING® ACCOUNT

Best for

 * High transaction volumeOpens a modal dialog for footnote 3
 * Large established businesses
 * Advanced cash management needs through Wells Fargo Vantage℠Opens a modal
   dialog for footnote 4



Monthly maintenance fee

$75

 * Includes up to 5 linked Optimize Business Checking accountsOpens a modal
   dialog for footnote 5
 * Reduce fee with earnings allowance each fee periodOpens a modal dialog for
   footnote 6



Benefits

 * Advanced cash management products and services (optional), including ACH
   payments, fraud filters, and desktop depositOpens a modal dialog for footnote
   7



Common fees

Quick view of account fees

What you need to apply

Learn more Apply now
Make an appointment at a branch



YOUR NEW BUSINESS CHECKING ACCOUNT IS JUST AROUND THE CORNER



Compare all accounts

Guide me




‍


REASONS TO CHOOSE A WELLS FARGO BUSINESS CHECKING ACCOUNT

Simple money management

Deposit checks directly into your account using our mobile appOpens a modal
dialog for footnote 1

Pay vendors, employees, and bills using our payment services

Add debit cards to your digital wallet and use contactless debit cardsOpens a
modal dialog for footnote 8

Smart account controls

Manage users and control who has access to your accounts 

Monitor your account balances, track recent purchases, and more 

Customize checks and eligible business debit cards with your company logoOpens a
modal dialog for footnote 9

Enhanced security

Get alerts from Wells Fargo if we notice unusual activity on your accountOpens a
modal dialog for footnote 10

Report unauthorized transactions promptly so we can take action to protect your
account

24/7 account monitoring and may contact you if unusual activity is detected


BANK ALMOST ANYWHERE BUSINESS TAKES YOU


BANK ALMOST ANYWHERE BUSINESS TAKES YOU

 * * View all your accounts in one place
   * Securely send money with Zelle®Opens a modal dialog for footnote 11 in the
     Wells Fargo Mobile® app
   * Set up alerts to monitor activityOpens a modal dialog for footnote 10

--------------------------------------------------------------------------------

Download the Wells Fargo Mobile® app today.

App Store Google Play
*Screen image is simulated
‍


SMALL BUSINESS CHECKING FAQS

What do I need to apply for a business checking account? What do I need to apply
for a business checking account?

You will be asked to complete and sign documentation that includes:

 * Information about your business
 * Information about the owners of your business
 * If applicable, entities with ownership of your business
 * An individual with significant management responsibility of your business
 * Your authorization for us to check your credit (no impact to credit score) 

Learn more

How do you keep my information safe if I apply online? How do you keep my
information safe if I apply online?
Wells Fargo is consistently enhancing our security measures and identifying new
and emerging threats to help keep your accounts and information secure. Learn
more
Is there a business checking comparison chart? Is there a business checking
comparison chart?
Compare business checking accounts.
How much does it cost to open a business checking account? How much does it cost
to open a business checking account?
The minimum opening deposit for our business checking accounts is $25.
How can I access my account online? How can I access my account online?
You can access it from your desktop or mobile device. Once you've enrolled,
you'll receive an email confirmation, and you'll be ready to sign on and manage
your accounts. Learn more.
Are Wells Fargo checking accounts FDIC-insured? Are Wells Fargo checking
accounts FDIC-insured?

Yes, all Wells Fargo checking account funds are FDIC-insured up to the maximum
applicable limit. 

Visit our FDIC Insurance page to learn more.

See more banking FAQs




HOW CAN WE HELP?

 * ‍ Call us ‍
   
    * Learn more about an account
      1-800-416-8658
      Mon - Fri: 8 a.m. - 8 p.m.
      Central Time

 * ‍ Find a location ‍
   City, State or ZIP
   Go
 * ‍ Make an appointment ‍
   City, State or ZIP
   Go


Customer help
 * Routing number
 * Small business resources

Account tools
 * Business online banking
 * Banking alerts
 * My Spending Report

Banking basics
 * Debit cards
 * Overdraft services

Minimum daily balance refers to the lowest ending daily balance recorded during
the fee period after all transactions have gone through nightly processing

Transactions means all checks deposited and all withdrawals or debits posted to
your account, including paper and electronic, except debit card purchases and
debit card payments.


How was your experience? Give us feedback.

1.

Mobile deposit is only available through the Wells Fargo Mobile® app on eligible
mobile devices. Deposit limits and other restrictions apply. Some accounts are
not eligible for mobile deposit. Availability may be affected by your mobile
carrier's coverage area. Your mobile carrier's message and data rates may apply.
See Wells Fargo’s Online Access Agreement and your applicable business account
fee disclosures for other terms, conditions, and limitations.

2.

The combined balance is determined one business day prior to the last business
day of your fee period. Combined business deposit balances include the average
ledger balance in your Navigate Business Checking® account plus other qualified
linked accounts:

 * Your business checking accounts: Initiate Business Checking® and Additional
   Navigate Business Checking PLUS
 * Your business savings accounts: Business Market Rate Savings and Business
   Platinum Savings PLUS
 * Your business time accounts (CDs): Business Time Account (CD) and Business
   Step Rate Time Account (CD)

Your Navigate Business Checking account cannot be linked to another Navigate
Business Checking account for combined balances. Other accounts linked to your
Navigate Business Checking account for combined balances, such as a Business
Market Rate Savings account, cannot simultaneously be linked to another Navigate
Business Checking account to avoid the monthly service fee with combined
balances. 

See the Business Account Fee and Information Schedule for additional business
account information.

3.

Transactions means all checks deposited and all withdrawals or debits posted to
your account, including paper and electronic, except debit card purchases and
debit card payments.

4.

Optimize Business Checking customers can access advanced features through Wells
Fargo Vantage℠. Available within a billing relationship. Enrollment in Vantage
is  required and additional fees may apply. Contact your banker for a complete
description of services, fees, and enrollment instructions.

5.

The first five Optimize Business Checking accounts within a billing relationship
are included in the monthly maintenance fee of $75. Additional Optimize
Business Checking accounts in excess of five are $30 each. See the Business
Account Fee and Information Schedule for additional business account
information.

6.

The Optimize Business Checking account is eligible for an earnings allowance to
offset eligible fees and expenses, including certain service fees. To calculate
your earnings allowance, we apply the earnings credit rate to the investable
balance available for services in your account. The earnings credit rate is a
variable rate that the Bank can change at any time. The rate appears on your
client analysis statement.

If your earnings allowance is greater than the total eligible fees for a given
statement period, we won't credit that amount to your account or carry it
forward to the following statement period. In any statement period where your
fees exceed your earnings allowance, we'll debit your account or invoice you for
the difference.

7.

Optimize Business Checking customers may also deposit checks via Mobile®  by
enrolling in our Desktop Deposit® service.

8.

Terms and conditions apply. Some (but not all) digital wallets require your
device to be NFC (Near Field Communication) enabled and to have the separate
wallet app available. Your mobile carrier’s message and data rates may apply.

9.

Wells Fargo reserves the right to accept or reject any artwork, images, or
logos. For example, any third-party trademarks, copyrighted materials, or name,
image, and likeness of any public figures will not be approved.

10.

Sign-up may be required. Availability may be affected by your mobile carrier's
coverage area. Your mobile carrier's message and data rates may apply.

11.

Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business
Online® is required. Terms and conditions apply. U.S. checking or savings
account required to use Zelle®. Transactions between enrolled users typically
occur in minutes. For your protection, Zelle® should only be used for sending
money to friends, family, or others you trust. Neither Wells Fargo nor Zelle®
offers purchase protection for payments made with Zelle® - for example, if you
do not receive the item you paid for or the item is not as described or as you
expected. Payment requests to persons not already enrolled with Zelle® must be
sent to an email address. To send or receive money with a small business, both
parties must be enrolled with Zelle® directly through their financial
institution’s online or mobile banking experience. For more information, view
the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement.
Your mobile carrier's message and data rates may apply. Account fees (e.g.,
monthly service, overdraft) may apply to Wells Fargo account(s) with which you
use Zelle®.

*Screen images simulated

See the Business Account Fee and Information Schedule and Deposit Account
Agreement for additional business account information.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services,
LLC and are used herein under license.

Wells Fargo Bank, N.A. Member FDIC.

QSR-05072026-7276542.1.1

LRC-1124

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