Initiate Business Checking Account | Wells Fargo Small Business

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Initiate Business CheckingSM Account

CA, 94105 Change Location
  • 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

Best For

  • Ambitious business owners building a foundation
  • The most common business banking needs
  • Reliable financial support

Get Started

Monthly service fee
You can avoid the $10 monthly service fee with one of the following each fee period:

Minimum opening deposit is $25. Provide later with required business documents when you apply online.

Apply online or call us at 1-800-416-8658.

See the common fees for this account (PDF).

Initiate Business Checking features

Support you can count on for a growing business with simple payment needs.

  • Online and mobile banking, including Bill Pay and mobile deposit
  • Extensive network including more than 13,000 ATMs
  • Ability to easily transfer money, send wires, and pay business expenses
  • Support at our small business customer service phone center

Initiate Business Checking fees

We want to make it easy for you to avoid service fees.

Monthly service
To avoid the $10 monthly service fee, maintain a $500 minimum daily balance or a $1,000 average ledger balance during the fee period.

Cash deposits
No fee for the first $5,000 cash deposits processed each fee period. After $5,000, it's $.30 per $100 deposited.

Transactions fees
No fee for the first 100 total transactions each fee period. After 100, it's $0.50 per transaction.

Are your cash deposits or transactions higher than these monthly limits? Consider Navigate Business CheckingSM.

All business checking accounts include these benefits

24/7 fraud monitoring

Keep your contact information up-to-date so we can alert you if we notice unusual activity on your account.

Customized cards and checks

Reinforce your brand by adding your logo to checks and your business debit card.

Tap to pay

Use your contactless debit card or add to your digital wallet for fast, secure payments and Wells Fargo ATM access.

Manage account access

Review who has access to your business accounts, update authorizations, and manage users.

Account alerts

Set up alerts to monitor your account balances and track recent purchases, cash withdrawals, and more.

Zero Liability protection

Report unauthorized transactions promptly and your business won't be held responsible. No extra cost.

Mobile deposits

Deposit checks directly into your account using the Wells Fargo Mobile® app.

Convenient payment options

Pay vendors, employees, and bills using our full range of payment services. All include enhanced safety and security.

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

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