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Owning a retail operation, whether it is virtual or bricks and mortar is a challenging undertaking. Inventory, shipping, staffing, customer service, collecting and paying taxes, payroll administration, getting paid promptly and managing returns exacts a toll that can challenge both large and small retail operations alike. Wells Fargo can help virtually all size retail operations, from single stores, to online catalogues to large chains. You can apply online for many of our services, others are more complex and we recommend speaking with one of our bankers. You can apply in person or call 1-800-416-8658.

Our broad array of financial services can be integrated to meet your specific business needs.

Business Banking Services

Like every business, retailers need to manage their cash flow, accept payments, and disburse funds, in addition you often have seasonal cash flow which could be earning interest before paying for inventory. Compare Wells Fargo's business checking accounts and savings accounts side-by-side.

Our more than 13,000 ATMs and approximately 5,400 branches, many of which are open on Saturdays enable you to make deposits at your convenience.

Wells Fargo Business Online® provides access to your business and/or personal account balances and transactions with a single sign-on. You can also transfer funds and make payments quickly and easily online, anytime. To expedite account research, you can even check your merchant processing deposits each day, access copies of cleared checks, and use our Business Spending Report to track expenditures.

Our Merchant Services are comprehensive, from credit and debit card processing, to electronic checks and gift cards we provide you robust, easy to set up services whether your customer is in your store, on the phone, using your website or faxing orders. We also provide fraud and risk management and reporting services that include daily activity by card type, itemized chargeback and other point-of-sale reports.

If you process your payroll in-house, Wells Fargo's Direct Pay service allows you to make net payroll and expense reimbursement deposits directly to your employee accounts. If you prefer to outsource your payroll, we offer comprehensive solutions through our payroll services.

If you use a credit card for business purposes, apply for a Wells Fargo® Business Platinum Card. This card helps keep your personal and business finances separate and can be linked to your business checking account for overdraft protection, and earn rewards that can be used for travel, car rentals and merchandise.

Finance Your Business

Establishing a retail operation or expanding your current location? Are you buying inventory, computers or store fixtures? Is it time to refinance your current business or investment real estate? We have a variety of products that can help meet your financing needs.

Extend the benefits of your Wells Fargo business banking relationship to your employees via the Wells Fargo At WorkSM program — at no additional cost to your business. Help retain and motivate your staff with discounted financial services, including a special checking account.

Investment and Insurance Products are:
  • Not insured by the FDIC or any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested