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Compare Business Checking Accounts

CA, 94105 Change Location
You can compare up to 3 accounts.

Initiate Business Checking

  • Anytime access with online and mobile banking
  • Text and email alerts to help you keep an eye on account activity
  • 24/7 fraud monitoring and Zero Liability debit card protection

Navigate Business Checking

  • Premium benefits to reward your banking relationship
  • Secure, easy-to-use options to make and receive payments
  • Higher levels of no-fee transactions and cash deposits

Optimize Business Checking

  • Advanced digital solutions to help improve efficiency and control your business
  • Premium benefits to reward your relationship
  • Earnings allowance to offset eligible service fees

The lowest ending daily balance recorded during the fee period after all transactions have gone through nightly transaction processing.

The average ledger balance is the sum of each day’s ledger balance divided by the number of days in the fee period.

An accrual of credit used to offset all or a portion of eligible account activity fees, service fees, and treasury management fees. The calculation of the earnings allowance is based on the investable balances available for services, to which is applied an earnings credit rate set at the bank's discretion.

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.

With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions. Please see your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions.

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.

Mobile deposit is only available through the Wells Fargo Mobile® app. 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 for other terms, conditions, and limitations.

With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions. Please see your applicable Wells Fargo account agreement, debit and ATM card terms and conditions, or Wells Fargo EasyPay Card Terms and Conditions for information on liability for unauthorized transactions.

Digital wallet access is available at Wells Fargo ATMs for Wells Fargo Debit Cards and Wells Fargo EasyPay® 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.

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.

If you switch to a Navigate Business Checking account from another type of business account, fee waivers for allowable wire and ATM transactions will be included after the current fee period ends.

An ATM access fee will be charged for each additional non-Wells Fargo ATM cash withdrawal transaction. Surcharges imposed by non-Wells Fargo ATM owners or operators will apply.

Optimize Business Checking customers can access advanced features through Commercial Electronic Office®. Available within a billing relationship. Enrollment required and additional fees may apply. Contact your banker for a complete description of services, fees, and enrollment instructions.

An earnings allowance is used to offset eligible fees. Fees listed in the Optimize Business Checking grid are eligible fees, as are certain fees noted in the “Service fees” section of the Business Account Fee and Information Schedule.

  • Your earnings allowance is calculated by applying 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.
  • In any statement period where your fees exceed your earnings allowance, your account will be debited (or you will be invoiced) for the difference.

Optimize Business Checking account transactions are withdrawals or debits posted to your account and checks deposited electronically. Non-electronic deposits will incur a separate fee. Wells Fargo Business Debit or ATM Card purchases and payments are not assessed a fee by Wells Fargo and will not be counted as part of the transaction limit.

CEO Wires outgoing types included:

  • Wire out domestic. Outgoing U.S. dollar (USD) wire debiting a Wells Fargo account, initiated in CEO Wires (freeform or templated).
  • Wire out cross border U.S. dollar (USD). Outgoing cross border USD wire debiting a Wells Fargo account, initiated in CEO Wires (freeform or templated).
  • Wire out cross border foreign exchange. Outgoing cross border foreign currency wire (freeform or templated) initiated via CEO Wires settling to a Wells Fargo account.

If your account is converted into Optimize Business Checking from another account, this benefit will start the following calendar month.