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Página principalCompare Business Savings Accounts
CA, 94105 Change Location
Use our business savings accounts comparison to determine the right fit for your business
| Business Market Rate Savings | Business Platinum Savings | Business Time Account (CD) | |
|---|---|---|---|
| Best for: | Businesses with lower balances just starting to save or saving for unexpected expenses | Businesses with higher balances typically looking to save for future expansion | Businesses looking to plan for the future by earning a fixed interest rate for a specific length of time |
| Monthly service fee | $5 or avoid the fee when one of the requirements is met | $15 or avoid the fee when one of the requirements is met | No monthly service fee |
| Minimum opening deposit | $25 | $25 | $2,500 |
| Apply | Apply in person | ||
| Access to Wells Fargo Business Online® | Yes | Yes | Yes |
| Wells Fargo Mobile® | Yes | Yes | Yes |
| FDIC insured up to applicable limits | Yes | Yes | Yes |
| Source for Overdraft Protection | Yes | Yes | |
| Check writing ability | Yes | Yes | |
| More resources |
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Small Business Resources
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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The Regulation D penalty is seven days’ simple interest on the amount withdrawn and applies to: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Other than the Regulation D penalty described above, any money withdrawn from the CD before the end of its term will be subject to an early withdrawal penalty based on the length of the CD term.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.
Overdraft Protection is not available for Government accounts, Interest On Lawyer Trust Accounts (IOLTA) or Real Estate Trust Accounts (RETA).
Terms and conditions apply. Mobile carrier's message and data rates may apply. See Wells Fargo's Online Access Agreement for more information.
Terms and conditions apply. Setup is required for transfers to other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.
Sign-up may be required. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
See the Business Account Fee and Information Schedule and Deposit Account Agreement for additional business account information.
Wells Fargo Bank, N.A. Member FDIC.
QSR-09192026-7762611.1.1
LRC-0325
Avoid the $15 monthly service fee with one of the following each fee period:
- Linked to Navigate Business Checking®
- Linked to Optimize Business Checking®
- $10,000 minimum daily balance*
* The lowest ending daily balance recorded during the fee period after all transactions have gone through nightly processing.
Avoid the $5 monthly service fee with one of the following each fee period:
- $300 minimum daily balance*
- A total amount of $25 or more of automatic transfers from a Wells Fargo business checking account into this savings account
* The lowest ending daily balance recorded during the fee period after all transactions have gone through nightly processing.
Manage your business and personal accounts from your mobile device. View balances, pay bills, transfer money, and more.
Wells Fargo Business Online
Manage your business and personal accounts online. View balances, pay bills, sign up for alerts, transfer money, and more.
