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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 www.wellsfargo.com/biz 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
  • 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
  • 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 will my transfer be credited to my account?

Transfers between Wells Fargo Deposit Accounts

Funds transferred to your Wells Fargo prepaid and deposit accounts (and Brokerage Cash Services) will be available immediately for purchases and withdrawals. The funds are also used in our next nightly processing of deposits and withdrawals.

Our nightly processing occurs on business days. Transfers completed on non-business days will be available at the next nightly processing. Transfers completed before 8 PM Pacific Time on a business day will be available that day. Transfers completed after 8 PM Pacific Time on a business day will appear as “pending,” but will be available to pay your transactions that night as long as they are completed prior to our nightly processing (which generally occurs just after midnight, Pacific Time).

Transfers between Wells Fargo and Non-Wells Fargo Deposit Accounts

Transfers between your Wells Fargo deposit account (including Brokerage Cash Services) and Non-Wells Fargo accounts will be initiated on the Send On date you selected and completed after the number of business days you selected for Delivery Speed.

Same-day transfers to Wells Fargo accounts

A same-day transfer to a Wells Fargo account will transfer funds to your account immediately. You cannot cancel a same-day transaction once you submit it. 

For future-dated and recurring transfers

Future-dated or recurring transfers are typically credited and posted on the date you select. However, if your transfer date falls on a weekend or holiday, we will credit the transfer to your account on the date you selected but post it on the next business day. You have until 11:59 PM Pacific Time on the day before the scheduled transfer date to delete/edit it. 

Transfers with a brokerage account

Transfers with a brokerage account are typically completed within one to three business days.

When will my payment be credited to my account?

Payments to Wells Fargo Credit Accounts

A payment dated today to a Wells Fargo credit account will take effect the same day you submit it, according to the cutoff times in the table below for each type of account. You cannot cancel a payment dated today once you submit it.

A payment scheduled for a future date will take effect on the scheduled transaction date you selected. You have until 11:59 PM Pacific Time on the day before the scheduled payment date to delete it.

To Account
Cutoff Time
Credit Cards and Personal Lines of Credit
Midnight Pacific Time, daily
Home Equity Loans and Lines of Credit and Personal Loans
8:00 pm Pacific Time business days, otherwise next business day
Auto Loans
8:00 pm Pacific Time business days, otherwise next business day
Student Loans
Midnight Pacific Time, daily
Mortgage Loans

Midnight Pacific Time, daily if using a Wells Fargo checking or savings account

10:00 om Pacific Time business days, otherwise next available business day if using a non-Wells Fargo checking or savings account

How do I order checks and deposit tickets?

Online

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.

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 Security & Support tab when you’re in your online banking session, and select the Use Account Access Manager link.

Select the Guest Users tab to 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.

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.