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Página principalNavigate Business Checking® Account
CA, 94105 Change Location
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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
Best For
- Evolving business owners adjusting to changes
- Increased financial activity
- Relationship-based benefits
Get Started
Monthly service fee
You can avoid the $25 monthly service fee with one of the following each fee period:
- $10,000 minimum daily balance
- $15,000 average combined business deposit balances
- Own a Premier® Checking, Private Bank Checking, or Private Bank Interest Checking account
Minimum opening deposit is $25. Provide later with required business documents when you apply online.
Apply online below or make an appointment to apply in person.
Navigate Business Checking interest rates
The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period (366 in a leap year).
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 certain 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
Enroll in online banking to review who has access to your business accounts, update authorizations, and manage users.
Account alerts
Enroll in Online Banking and set up alerts to help monitor your account balances and track recent purchases, cash withdrawals, and more.
Zero Liability protection
Report unauthorized debit card 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.
Help and resources
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)
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.
Customers who own a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account and own a business with an Initiate Business Checking, Navigate Business Checking, Business Market Rate Savings, or Business Platinum Savings will have their monthly service fee waived on the business account(s). Customer must be an individual owner, joint owner, or trustee of the Premier Checking, Private Bank Checking, or Private Bank Interest Checking account and be a business owner with transaction authority on the business account. If a business has multiple owners, the benefit will apply as long as one of the owners has a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account. In the event a customer no longer has a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account, that customer is no longer eligible for the monthly service fee waiver benefit.
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.
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.
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.
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.
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.
Outstanding Cashier's checks are subject to state or territorial unclaimed property laws.
If the cashier's check is lost, stolen, or destroyed, you may request a stop payment and reissuance. A stop payment and reissuance can only be completed within a branch location. As a condition of stop payment and reissuance, Wells Fargo Bank will require an indemnity agreement. In addition, for cashier's checks over $1,000.00, the waiting period before the stop payment and reissuance of an outstanding cashier's check may be processed is 90 days (30 days in the state of Wisconsin and 91 days in the state of New York). The waiting period can be avoided with the purchase of an acceptable surety bond. This can be purchased through Wells Fargo's approved insurance carrier or through an insurance carrier of the customer's choice. The cost of a surety bond varies depending on the amount of the bond and the insurer used. Surety bonds are subject to the insurance carrier's underwriting requirements before issuance. If the surety bond is not provided, the waiting period applies.
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.
Fees may be charged by third parties or other banks, in addition to those described above.
Whether or not the wire transfer fee is waived, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar. The applicable exchange rate may vary based on such factors including, but not limited to, currency pair, transaction size, payment channel and product type, such as foreign currency cash, checks, remittances, and wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.
Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the “Applicable Exchange Rate” and "Incoming international wire transfer" sections of the Deposit Account Agreement.
We will charge a cash withdrawal transaction fee for additional non - Wells Fargo ATM cash withdrawal transaction. Fees charged by the non - Wells Fargo ATM operator or network may apply.
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.
Digital wallets may not be available on all devices. Your mobile carrier's message and data rates may apply.
Current Deposit Rates for -
The Annual Percentage Yield (APY) shown is offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted. Rates are variable and subject to change without notice.
Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily collected balances in the account. Each tier described above reflects the current minimum daily collected balance required to obtain the applicable APY. When the rates offered within two or more consecutive tiers are the same, this disclosure shows those multiple tiers as a single tier. The specific individual tiers are described in the rate sheet for this account. A copy of the then-current rate sheet will be provided to you before you open your account or is available at any time upon request from a banker. Fees could reduce earnings on this account.
Wells Fargo Bank, N.A. Member FDIC.
DT1-08282026-12-8361930-1.1
The lowest ending daily balance recorded during the fee period after all transactions have gone through nightly processing.
