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Wells Fargo Business Online® Questions

What is Wells Fargo Business Online?

Wells Fargo Business Online provides access to both your business and personal accounts online. With access to Wells Fargo Business Online, you have a convenient and secure way to manage your finances — review and transfer funds between your Wells Fargo accounts, view statements and check images, request stop payments, and much more.

Which accounts can be accessed through Wells Fargo Business Online?

  • Business Checking, Savings, MMA and MRA
  • Commercial Lines and Loans
  • All eligible Personal Accounts
  • Business Credit Cards and Lines/Loans
  • Mortgages and Home Equity Lines of Credit

Are there any hardware requirements necessary to use Wells Fargo Business Online?

What if I forget my password?

For your security, we do not email or present you with your current password, but it’s easy to reset your password online by going to and selecting the Forgot Password/Username? link. You may be asked to provide the following information:

  • Username or Social Security Number
  • Account Number or ATM Card Number
  • Your ATM PIN, ZIP code or credit card information

If you need further assistance, please call Wells Fargo Online Customer Service at 1-800-956-4442, 24 hours a day, 7 days a week.

What functionality and features does Wells Fargo Business Online currently have?

With access to Wells Fargo Business Online, business owners and authorized signers can:

  • View a summary of balances (deposit and credit)
  • View account activity
  • Access and download up to 18 months of account history
  • Transfer funds and make payments between all eligible Wells Fargo accounts
  • Access credit cards or lines of credit
  • View all accounts together (business owners only), or view business and personal accounts separately
  • Access online statements
  • View images of checks, returned items and deposits
  • Sign up to receive account alerts via email or text message
  • Make stop payments
  • Order traveler's cheques, money orders, and cashier's checks and much more
  • Ability to import your transactions into your QuickBooks® check register.
  • Request balances, payments and transfers to Commercial Loans and Lines.

Wells Fargo Business Online customers also have access to a variety of online payment services, including:

  • Business Bill Pay: Pay virtually any company or individual in the U.S. from business or personal accounts.
  • Direct Pay: Send time-sensitive payments directly to the U.S. bank accounts of employees, contractors and vendors - payments can be received as soon as the next day.
  • Online Wires: Use wire transfers to get funds to family, businesses, or internationally, where timing matters.

Wells Fargo Online for my personal accounts shows me all of my deposit accounts. Does Wells Fargo Business Online include personal accounts, and can they be separated?

Wells Fargo Business Online will allow you to access both business and personal accounts for which you are an owner or authorized signer. By changing your Account View, you can choose whether you want to view all your accounts together (business owners only), or see your business and personal accounts separately.

What are Account Views and how do I access them?

Account Views allow you to manage your Wells Fargo business and personal accounts together or separately — it's your choice.

If you have both business and personal accounts with Wells Fargo and/or access accounts associated with multiple businesses, you'll see a drop-down menu at the top of the page when you sign on to your Wells Fargo Business Online session. Depending on the types of accounts you have and your relationship to these accounts, your accounts are assigned to one or more of the following Account Views:

  • Business and Personal Accounts: A combined view of all business and personal accounts for which you are listed as an owner.
  • Business Accounts: Includes all business accounts for which you are listed as an owner of the account, and/or owner of the specified business.
  • Individual Entity Views: If you own multiple businesses or are related to another entity's accounts (such as a Trust), the accounts associated with each of the businesses or entities will be grouped together in their own Account View.
  • Personal Accounts: Includes all personal accounts for which you are listed as an owner.

When I make transfers to or from checking, savings, credit cards, lines of credit and commercial lines and loans using Wells Fargo Business Online, are the transfers "real-time"? What is the cut-off time for transfers between accounts?

All transfers will be included in your available balance at the time the transfer is made as long it is within the cut-off times listed below.

  • Credit cards and lines of credit: Midnight Pacific Time, daily
  • Loans and lines of credit: 8:00 pm Pacific Time business day, otherwise next available business day
  • Auto loans: 8:00 pm Pacific Time business days, otherwise next available business day
  • Wells Fargo checking and savings accounts: Midnight Pacific Time, daily

Note: Transfers between your Wells Fargo deposit account and non-Wells Fargo deposit accounts will be initiated on the Send On date you selected, and will be completed after the number of business days you selected for Delivery Speed. In addition, payments to your Wells Fargo credit account from a non-Wells Fargo deposit account usually take three to four business days to complete.

How do I order checks and deposit tickets?


You can order checks and deposit tickets for your eligible business accounts online. Order now.

By Phone

Please call Harland Clarke at 1-800-237-8982. Agents are typically available to assist you Monday through Friday, 5:00 am to 9:00 pm Pacific Time, and Saturday 5:00 am to 4:00 pm Pacific Time.

Can I get online access to my Commercial Line or Loan?

You can access eligible Commercial Lines and Loans through Wells Fargo Business Online. This includes the ability to view balances, make principal payments, pay invoices, advance funds, and view account activity.

What does Manage Guest Users let me do?

You can assign view-only account access to anyone who needs it — your bookkeeper, accountant, other key employees — up to 25 people. You maintain security and control, because you choose which individuals to add and which accounts they can see. Guest Users have view-only access and cannot conduct transactions, and you can cancel a Guest User’s access at any time. Allow others to take care of the tasks you don't have time for, like ensuring that a payment has been received, checks have cleared, a deposit has posted, and more.

How do I set up other users to access my accounts?

Set-up is easy. Just go to the Account Services page when you're in your online banking session, and select the Use Account Access Manager link, or sign on to Account Access Manager to get started.

Add users and choose which accounts they'll be able to view. You'll also choose unique Usernames and Passwords for the individuals you add. And remember, you can cancel a Guest User’s access at any time.

Account Access Manager also allows you to see any other person who has access to your accounts (co-owners or authorized signers). In addition, you can remove authorized signers from your business checking and savings accounts through Account Access Manager.

How can I download my account activity?

To download your account activity from Wells Fargo Business Online into Quicken®, QuickBooks® (Web Connect), or a convenient spreadsheet, select the Download Account Activity link on the Account Services page.

By default you will be able to download your transactions for the last 90 days; however, up to 18 months of account activity may be available. To access extended history, choose the extended time frame on the Account Activity page and hit GO. This will then allow you to choose an extended date range on the account activity download page.