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Initiate Business Checking®
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
- Avoid the monthly service fee with one of the following each fee period:
- $500 minimum daily balance
- $1,000 average ledger balance
- No transactions fee for the first 100 transactions per fee period. After 100, it's $.50 each transaction.
- No cash deposit processing fee for the first $5,000 deposited per fee period. After $5,000, it's $.30 per $100 deposited.
$25 minimum account opening deposit
Navigate Business Checking®
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
- Avoid the monthly service fee with one of the following each fee period:
- $10,000 minimum daily balance
- $15,000 average combined business deposit balances
- No transactions fee for the first 250 transactions per fee period. After 250, it's a $0.50 each transaction.
- No cash deposit processing fee for the first $20,000 deposited per fee period. After $20,000, it's $0.30 per $100 deposited.
- Premium benefits to reward your banking relationship
- Interest-bearing checking account
$25 minimum account opening deposit
Optimize Business Checking®
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
- Includes up to 5 linked Optimize Business Checking accounts
- Earnings allowance can be used to reduce the cost of eligible banking services
- No transactions fee for the first 250 transactions within a billing relationship per statement period. After 250, it's $0.50 each transaction.
- Advanced digital solutions to help improve efficiency and control your business
- Premium benefits to reward your banking relationship
- Access to treasury management services
$25 minimum account opening deposit
Choose the account that fits your business
Switch to Wells Fargo business checking
It's easy to move your account to Wells Fargo. We're here to help.
All accounts include these benefits
24/7 fraud monitoring
Keep your contact information up-to-date so we can alert you if we notice certain unusual activity on your account.
Tap to pay
Use your contactless debit card or add to your digital wallet for fast, secure payments and Wells Fargo ATM access.
Account alerts
Enroll in online banking and set up alerts to monitor your account balances and track recent purchases, cash withdrawals, and more.
Mobile deposits
Deposit checks directly into your account, using the Wells Fargo Mobile® app.
Customized cards and checks
Reinforce your brand by adding your logo to checks and your business debit card.
Manage account access
Enroll in Online Banking to review who has access to your business accounts, update authorizations, and manage users.
Zero Liability protection
Report unauthorized transactions promptly and your business won't be held responsible. No extra cost.
Convenient payment options
Pay vendors, employees, and bills using our full range of payment services.
