Business Choice Checking Account | Wells Fargo

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Business Choice Checking

CA, 94105 Change Location
Open a Business Choice Checking Account for your small business
  • Secure options to make and receive payments
  • Custom alerts to manage and monitor account activity
  • 24/7 fraud monitoring and Zero Liability Protection

Best For

  • New and growing businesses
  • Steady banking activity
  • Basic cash management needs

Get Started

Minimum opening deposit: $25. If you apply online for a Business Choice Checking account, you can send us your deposit and required business documents later.

See the common fees for this account (PDF).

Effective with the fee period beginning after October 8, 2020, the terms of the account are changing. See the Business Account Addenda.

Monthly Service Fee

You can avoid the $14 monthly service fee with one of the following each fee period:

  • $7,500 average balance, OR
  • $10,000 in combined balances (business checking, savings, time accounts, and credit), OR
  • 10 or more posted debit card transactions (any combination of posted debit card purchases or posted debit card payment of bills) from this checking account, OR
  • A linked Direct Pay service, OR
  • Qualifying transactions from a linked Wells Fargo Merchant Services account

Business Choice Checking Features

A Business Choice Checking account offers the everyday checking services you need to run your business:

  • First 200 transactions included per fee period at no charge
  • First $7,500 in cash deposits processed per fee period at no charge
  • Text and mobile banking
  • Access to our National Business Banking Center, our Small Business Customer Service phone center
  • Special offers and discounts are available to Wells Fargo Business Choice Checking customers. Contact a banker for details.

Business Choice Checking includes

Card Design Studio®

Customize your business debit card with your logo and tagline.

Wells Fargo Mobile®

Pay bills, send money, and check your balance on a smartphone or tablet using the Wells Fargo Mobile app.

Account Access Manager

Review which employees or business partners can access your account.

Zero Liability Protection

Unauthorized debit card or ATM transactions will be reimbursed if you report them promptly.


Refers to any combination of deposits, paid items, and deposited items, including paper and electronic transactions. Transactions do not include purchases and payments made using a Wells Fargo Business Debit Card or Wells Fargo ATM Card, Business Bill Pay, or Direct Pay payments made through Wells Fargo Business Online®, and Wells Fargo Merchant Services transactions.