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Compare Business Checking Accounts

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

Initiate Business CheckingSM

  • 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 CheckingSM

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

Optimize Business CheckingSM

  • 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 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 earnings allowance can be used to offset eligible fees.

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 and your applicable business account fee disclosures for other terms, conditions, and limitations.

With Zero Liability protection, you will be reimbursed for any promptly reported unauthorized card transactions. Please see the applicable Wells Fargo account agreement or debit and ATM 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® (CEO). Available within a billing relationship. Enrollment in CEO is required and additional fees may apply. Contact your banker for a complete description of services, fees, and enrollment instructions.

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.

The monthly maintenance fee for 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 within the same billing relationship are $30 per statement period per account. See the Business Account Fee and Information Schedule for additional business account information.

Optimize Business Checking account transactions are withdrawals or debits posted to your account and checks deposited electronically within a billing relationship. Non-electronic deposits will incur a separate fee. 

Non-electronic deposits are processed by a teller or mailed to the Bank. Wells Fargo Business Debit or ATM Card purchases and payments are not assessed a transaction fee by Wells Fargo. Additionally, these transactions won't be counted as part of the transaction limit on Optimize Business Checking.

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.