Optimize Business Checking^® Account

Optimize Business Checking customers can access advanced features through Wells Fargo Vantage^SM. Available within a billing relationship. Enrollment in Vantage 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 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 are $30 each. See the Business Account Fee and Information Schedule for additional business account information.

For Analyzed Accounts, transactions are defined as checks paid, withdrawals, debits, and electronic credits posted, and checks deposited electronically. Deposits processed by a teller, ATM, or mailed to the Bank may incur a separate fee. Wells Fargo Business Debit or ATM card purchases are not assessed a transaction fee by Wells Fargo. For Optimize Business Checking electronic credits are not counted as part of the 250 transactions within a billing relationship. ATM deposits are included in the 250 transactions within a billing relationship, excess fees may apply.

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.

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.

If you switch to an Optimize Business Account from another type of business account, fee waivers for allowable wire and ATM transactions will be included after the statement period ends.

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.

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.

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.

Wires outgoing types included:

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

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.

Optimize Business Checking customers may also deposit checks via Wells Fargo Vantage^SM by enrolling in our Desktop Deposit^® service. Additional fees may apply.