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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 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, 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 Wells Fargo Business 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. 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.

Protect Your Business

You put your heart and soul, not to mention significant financial investment, into building your business and it's essential that your retail business is properly protected against loss. Wells Fargo Insurance can help you get the coverage you need to better protect yourself, your employees and your business.

When you work with our business insurance agents, we’ll help you find the coverage that meets the unique needs of your business. Coverage options that can help protect your business include:
Wells Fargo Insurance will help you plan for the unexpected and manage risks to 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. NMLSR ID 399801
Equal Housing Lender