About this card
What is the Wells Fargo Business Debit Card?
Your Wells Fargo Business Debit Card provides you with an easy and convenient way to make business purchases and payments using your business checking account funds. You can use it to make purchases and bill payments at millions of merchant locations and service providers worldwide, online, and by phone. Purchases are deducted from your primary-linked business checking account, so you won't incur credit card debt or fees. Your card also provides you access to Wells Fargo ATMs and ATMs in networks in which Wells Fargo participates worldwide.
Learn more about Wells Fargo Platinum Debit Card benefits
Is this card a credit card?
No, your business debit card is not a credit card. With this card, the funds for purchases come from your business checking account.
Do you offer a temporary debit card that I can use while my business debit card is being sent to me?
You can request a business instant issue debit card at any store location. This temporary debit card is in effect for 30 days from the time it is issued, or until you activate the permanent card you receive by mail, whichever occurs first. With a business instant issue debit card, you can make purchases and payments, and use the ATM, with the same access you have with your permanent card. Learn more about the business instant issue debit card
Can I view purchases or payments I make with the business debit card online?
Yes. With Wells Fargo Business Online®, you have access to your account anytime, anywhere. You can view checking and savings account transactions, check balances, transfer funds, and more. Plus, you can download account data directly into most major financial accounting software.
What if I have a dispute with a merchant?
The first step is to try and resolve the dispute directly with the merchant. If those efforts fail, call 1-800-225-5935 to make a claim and we will investigate it. Please refer to the appropriate account agreement for details regarding your responsibility to notify us of disputes within specific time frames.
What if my card is lost or stolen?
Simply call us toll-free at 1-800-225-5935, 24 hours a day, 7 days a week, as soon as you notice your card is lost or stolen, or if you notice unauthorized use on your account.
What is a chip card?
How can I request a chip card or get more information?
If you would like to request a chip card at no additional cost or get more information, call
Getting started with the card
How do I apply for a business debit card?
How do I activate my business debit card?
When you receive your card, call the toll-free phone number on the sticker attached to the front. You can also activate the card by using it with your Personal Identification Number (PIN) at a Wells Fargo ATM. After the card is activated, peel off the sticker and sign the signature panel on the back immediately.
Using your card
How do I use my business debit card to make purchases?
Looking to learn more about how to use a debit card? When you present your card at checkout, you may be asked to sign for a purchase or enter your Personal Identification Number (PIN) to complete the transaction. You may have the choice of completing the transaction as a “debit” or “credit” transaction. Either option is acceptable. When you use your business debit card, the funds for the purchase come out of your primary linked business checking account (and if needed, your overdraft protection account).
Can I use my business debit card overseas?
Yes, you can use your business debit card while traveling outside the United States*. Remember to notify Wells Fargo before you travel so that we can monitor your accounts appropriately. Get more ideas for how to use your debit card overseas.
*At this time, Wells Fargo cards cannot be used in Cuba. Please call us at 1-800-CALL-WELLS (1-800-225-5935) to learn about other options for making purchases if you plan to travel to Cuba.
How can I pay bills using my business debit card?
You can make one-time payments by phone, online, or by mail using your business debit card. When you pay with your card, you can make payments even up to the last minute on the payment due date. For recurring bills, you also can contact your regular service providers and tell them to use your business debit card to pay for your monthly bills. To learn more about how it works, take a tour.
What are my daily purchase and ATM cash withdrawal limits?
Your business debit card comes with a daily limit on the total dollar amount of purchases you can make with your card. Your card also has a daily ATM cash withdrawal limit, which is the total dollar amount of cash you can withdraw from the ATM from one or any combination of checking or savings accounts in a day. Your daily purchase and cash withdrawal limits are printed on the materials that come with your card. Talk to your local Wells Fargo banker or call 1-800-225-5935 to find out more information about your daily limits.
Are my business purchases protected?
Your Wells Fargo Business Debit Card comes with Zero Liability protection at no extra cost. You will be fully reimbursed for unauthorized purchases or ATM transactions, as long as they are reported promptly.
Your card also comes with two Visa services to help protect your purchases. With Visa® Purchase Security, if items you buy with your business debit card are lost, stolen, or accidentally damaged, they’ll be replaced or repaired at no charge to you. With Visa Extended Warranty Protection, you can extend manufacturer’s warranties, up to one additional year, on items you purchase with your card.
When do debit card transactions post to my account?
Wells Fargo cannot post your debit card transaction until the merchant submits the transaction to us for payment. A few things to keep in mind:
- The timing can vary for debit card transactions from the very same day to several days later.
- In rare circumstances — such as using your debit card online to buy an item that’s back ordered — the merchant could submit the transaction several weeks later.
- Because of this, it’s important you keep track of your account balances.
Can I customize the design of my business debit card?
The Card Design Studio® service allows you to customize the design of your business debit card. You can customize your card using your own image or logo, or select an image from our online library.
To get started, simply sign on to Business Online Banking, click on the Account Services tab and then click on Access Card Design Studio.