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Restaurants and Food Service Companies

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According to the National Restaurant Association there are 925,000 restaurant locations employing 12.5 million people in the US. From small cafes and diners to gourmet white table cloth establishments, to fast food quick service restaurants, Wells Fargo has experience in financing, merchant card acceptance, payroll and more. 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.

Business Banking Services

Like every business, restaurateurs need to manage their cash flow, accept payments, and disburse funds. Compare Wells Fargo's business checking accounts and savings accounts side-by-side.

Our 6,000 ATMs and 3,000 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 and electronic checks we provide you robust, easy to set up services whether your customer is in your restaurant, 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.

Providing branded gift cards is a great way to extend your brand awareness and increase sales. These cards increase customer loyalty and are a great way to have your customers promote your establishment too.

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 Wells Fargo Business Payroll services.

Finance Your Business

Establishing a new location or expanding your current location? Are you buying furnishing, computers or kitchen equipment? 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. Wells Fargo lines of credit and term loans can even help fund your professional liability insurance premium.
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.
Making the weekly food and beverage order. Hiring wait staff. Taking reservations. Owning a restaurant means wearing many hats, so while you're as at ease in the front of the house as you are in the kitchen, there is one area of your business where you could likely benefit from professional guidance: insurance. Let Wells Fargo Insurance go to work for you so you can get back to doing what you love most.

Our business insurance agents can help you choose the coverage that makes sense for you and your business and will present you with a broad range of business insurance products from which to choose, such as:
With Wells Fargo Insurance, we will help you get the coverage you need to better protect yourself, your employees and your business.
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Wells Fargo Insurance, Inc. (Minneapolis, MN) is a licensed agency that represents — and is compensated by — the insurer based on the amount of insurance sold.
Insurance products are not FDIC-Insured
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Equal Housing Lender