Initiate Business Checking® Account
Our best account for everyday business needs
Best for business owners building a foundation
Bank easy with online and mobile banking
24/7 fraud monitoring and Zero Liability coverage
Anytime access
Online and mobile banking, including Business Bill Pay and mobile deposit
ATMs near you
More than 11,000 ATMs across the country
Move money with ease
Ability to easily transfer money, send Digital Wires, and pay business expenses
Dedicated support
Support at our business customer service phone center
- $15 or $0 monthly service fee. Avoid the fee
- $25 minimum opening deposit. Provide later with require business documents when you apply online.
- Quick view of account fees (PDF)
24/7 fraud monitoring
We’ll alert you about unusual account activity.
Tap to pay
Make purchases with your contactless debit card and digital wallet.
Account controls
Set up and update who can access accounts in online banking.
Customized cards and checks
Add your logo to your debit card and company checks.
Account alerts
Monitor and set alerts for account balances, purchases, and withdrawals.
Zero Liability protection
We reimburse you for promptly reported unauthorized card charges.
Mobile deposits
Skip the branch and deposit checks in the Wells Fargo Mobile® app.
Payment services
Pay vendors, employees, and bills with dedicated business payment tools.
Bank almost anywhere
business takes you
Get the app loved by millions
10M ratings | 4.9 stars *****
Bank almost anywhere
business takes you
Get the app loved by millions
10M ratings | 4.9 stars *****
*Screen image is simulated
**4.9/5 Stars on the App Store and 4.8/5 on Google Play as of July 1, 2025
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With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions for information on liability for unauthorized transactions.
Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. 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.
Terms and conditions apply. Setup is required for transfers to and/or from other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.
Enrollment in Digital Wires is subject to eligibility requirements, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier's message and data rates may apply. For more information, see the Wells Fargo Online Access Agreement and your applicable account fee disclosures for other terms, conditions, and limitations.
Digital wallet access is available at Wells Fargo ATMs and participating non-Wells Fargo ATMs for Wells Fargo Debit Cards in digital wallets. Message and data rates may apply. Some ATMs within secure locations may require a physical card for entry.
Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures will not be approved.
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.
See the Business Account Fee and Information Schedule and Deposit Account Agreement for additional business account information.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
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