For the ambitious business owner seeking a stable foundation, Initiate Business Checking gives you digital tools and support you can count on. It’s designed for businesses with lower balances and fewer financial transactions.
$10 monthly service fee
$25 minimum account opening deposit
For the evolving business owner adapting to changing dynamics, Navigate Business Checking can help to keep you moving forward with valuable relationship benefits. It’s built for established businesses with higher balances and more financial activity.
$25 monthly service fee
$25 minimum account opening deposit
For the seasoned business owner focused on efficiency, Optimize Business Checking helps you streamline with premium relationship benefits and optional treasury management services. It’s crafted for businesses with sophisticated banking needs.
$75 monthly maintenance fee
$25 minimum account opening deposit
It's easy to move your account to Wells Fargo . We're here to help.
Keep your contact information up-to-date so we can alert you if we notice certain unusual activity on your account.
Use your contactless debit card or add to your digital wallet for fast, secure payments and Wells Fargo ATM access.
Enroll in online banking and set up alerts to monitor your account balances and track recent purchases, cash withdrawals, and more.
Deposit checks directly into your account , using the Wells Fargo Mobile ® app.
Reinforce your brand by adding your logo to checks and your business debit card.
Enroll in Online Banking to review who has access to your business accounts, update authorizations, and manage users.
Report unauthorized transactions promptly and your business won't be held responsible. No extra cost.
Pay vendors, employees, and bills using our full range of payment services.
Learn more about an account:
Mon - Fri: 8 am - 8 pm
For existing accountholders:
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.
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 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.
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.
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.
Optimize Business Checking customers can access advanced features through Wells Fargo Vantage SM . 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.
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.
Digital wallet access is available at Wells Fargo ATMs for Wells Fargo Debit Cards in Wells Fargo -supported digital wallets. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. Some ATMs within secure locations may require a physical card for entry.
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.
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.
Optimize Business Checking customers may also deposit checks via Mobile ® by enrolling in our Desktop Deposit ® service.
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.
With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.
Wells Fargo Bank, N.A. Member FDIC.
