Optimize Business Checking Account | Wells Fargo Small Business

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Optimize Business CheckingSM Account

CA, 94105 Change Location
  • Advanced digital solutions to help improve efficiency and control your business
  • Premium benefits to reward your relationship
  • Earnings allowance to offset eligible service fees

Best For

  • Seasoned business owners
  • Sophisticated banking needs and high transaction volume
  • Relationship-based benefits

Get Started

Monthly maintenance fee is $75. Earnings allowance can be used to reduce the cost of eligible banking services.

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

Apply online, call us at 1-844-807-5060, or have us contact you.

See the common fees for this account (PDF).

Optimize Business Checking features

Streamline your complex business needs with tools that help you focus on efficiency.

  • No fee for the first 250 transactions within a billing relationship per statement period; after 250, it's $0.50 per item
  • Includes up to five linked Optimize Business Checking accounts
  • Access to treasury management services through Commercial Electronic Office® (CEO®)
  • Earnings allowance to help reduce eligible service fees
  • No fees for stop payments, cashier's checks, and money orders
  • No fee for incoming domestic and international wire transfers in U.S. and foreign currency
  • Up to five outgoing CEO wires per statement period at no charge,
  • No fees for two domestic (U.S.) non-Wells Fargo ATM transactions per statement period,

Optimize Business Checking fees

Monthly maintenance fee
The $75 monthly fee, which covers up to five Optimize Business Checking accounts and other benefits, may be offset by an earnings allowance.

Cash deposit processing fee
$0.0025 per $1 of cash deposits processed per statement period.

Non-electronic deposit fee
$0.20 per check deposited plus $1.00 per total deposit. Non-electronic deposits are processed by a teller or mailed to the bank. These are not counted in the 250 transactions.

Transactions fee
No fee for the first 250 transactions within a billing relationship per statement period. After 250, it's $0.50 per item.

For more analyzed business checking account options, call 1-844-807-5060.

Treasury Management service

Choose to enroll in select services accessible through Commercial Electronic Office® desktop and mobile. These include:

Pay and receive

  • Wire funds
  • Set up electronic (ACH) payments
  • Deposit checks remotely

Review and act

  • Activate robust alerts
  • Protect against fraud
  • Customize reports

Manage and control

  • Control user access
  • Assign dual approvers
  • Set transactions limits
  • Manage user passwords

Find out more about treasury management services.

Don't need treasury management service? Consider Navigate Business Checking.

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.

An accrual of credit used to offset all or a portion of eligible account activity fees, service fees, and treasury management fees. The calculation of the earnings allowance is based on the investable balances available for services, to which is applied an earnings credit rate set at the bank's discretion.