Small business savings accounts
Find the account that’s right for your business
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Business Market Rate Savings account
- Lower balances
- Starting to save or saving for unexpected expenses
$5
During each fee period, avoid this fee with a $300 min daily balance, a total of $25 or more in automatic transfers from a Wells Fargo business checking account into this savings account, OR own a Premier® Checking, Private Bank Checking, or Private Bank Interest Checking account
Optional overdraft protection for your linked business checking account
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Business Platinum Savings account
Better interest rates for higher balances
$15
Avoid the $15 monthly service fee with one of the following each fee period:
- Linked Navigate® or Optimize® business checking account
- $10,000 minimum daily balance
- Own a Premier® Checking, Private Bank Checking, or Private Bank Interest Checking account
Optional overdraft protection for your linked business checking account
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Business Certificates of Deposit (CDs)
Fixed interest rate for a specific length of time
No monthly service fee
Flexible term options from 1-2 months to a year or more
Reasons to choose a Wells Fargo business savings account
Business Savings FAQs
The lowest ending daily
balance recorded during the fee period after all transactions have gone through nightly processing.
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Terms and conditions apply. Mobile carrier's message and data rates may apply. See Wells Fargo's Online Access Agreement for more information.
Overdraft Protection is not available for Government accounts, Interest On Lawyer Trust Accounts (IOLTA) or Real Estate Trust Accounts (RETA).
Customers who own a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account and own a business with an Initiate Business Checking, Navigate Business Checking, Business Market Rate Savings, or Business Platinum Savings will have their monthly service fee waived on the business account(s). Customer must be an individual owner, joint owner, or trustee of the Premier Checking, Private Bank Checking, or Private Bank Interest Checking account and be a business owner with transaction authority on the business account. If a business has multiple owners, the benefit will apply as long as one of the owners has a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account. In the event a customer no longer has a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account, that customer is no longer eligible for the monthly service fee waiver benefit.
The monthly service fee for Wells Fargo Fixed Rate CDs is $0. The minimum opening deposit for a Standard Fixed Rate CD is $2,500, unless otherwise noted. The minimum opening deposit is subject to change, as shown on wellsfargo.com/savings-cds/rates.
You may pay an early withdrawal penalty or a Regulation D penalty if you withdraw funds from your account before the term is complete. Some exceptions may apply. Penalties could reduce earnings on this account. The early withdrawal penalty amount is calculated and deducted from any earned interest. If the penalty is greater than the earned interest, the remaining penalty amount is deducted from the principal of the account.
The Regulation D penalty is seven days’ simple interest on the amount withdrawn and applies to:
- Withdrawals made within seven days of account opening including the day the account was opened.
- Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance.
- Withdrawals within seven days of any prior withdrawal where the Bank’s early withdrawal penalty is not applied.
Other than the Regulation D penalty described above, any money withdrawn from the CD before the end of its term will be subject to an early withdrawal penalty based on the length of the CD term. If your term is:
- Less than 90 days (or less than 3 months), the penalty is 1 month's interest,
- 90 to 365 days (or 3-12 months), the penalty is 3 months' interest,
- Over 12 months through 24 months, the penalty is 6 months' interest, or
- Over 24 months, the penalty is 12 months' interest.
See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information.
Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
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See the Business Account Fee and Information Schedule and Deposit Account Agreement for additional business account information.
Wells Fargo Bank, N.A. Member FDIC.
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