Small business checking accounts
Discover what’s right for your business
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Initiate Business Checking® account
- Most common business banking needs
- Lower balances and fewer transactions
$10
Avoid this fee with $500 minimum daily balance OR $1,000 average ledger balance each fee period
- Wells Fargo Business Online® and Wells Fargo Mobile® banking, including Business Bill Pay and Wells Fargo Mobile Deposit
- More than 11,000 ATMs across the country
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Navigate Business Checking® account
- Higher balances and increased financial activity
- Discounts on certain banking services
$25
Avoid this fee with $10,000 minimum daily balance OR $15,000 average combined business deposit balances
- Discounted banking services
- Waived fees on certain eligible linked accounts
- Interest-bearing account
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Optimize Business Checking® account
- High transaction volume
- Large established businesses
- Advanced cash management needs through Wells Fargo VantageSM
$75
- Includes up to 5 linked Optimize Business Checking accounts
- Reduce fee with earnings allowance each fee period
- Advanced cash management products and services (optional), including ACH payments, fraud filters, and desktop deposit
Reasons to choose a Wells Fargo business checking account
Deposit checks directly into your account using our mobile app
Pay vendors, employees, and bills using our payment services
Add debit cards to your digital wallet and use contactless debit cards
Manage users and control who has access to your accounts
Monitor your account balances, track recent purchases, and more
Customize checks and eligible business debit cards with your company logo
Get alerts from Wells Fargo if we notice unusual activity on your account
Report unauthorized transactions promptly so we can take action to protect your account
24/7 account monitoring and may contact you if unusual activity is detected
Bank almost anywhere business takes you
Small Business Checking FAQs
to the lowest ending daily balance recorded during the fee period after all transactions have gone through nightly processing
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Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier's message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.
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.
Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations.
The combined balance is determined one business day prior to the last business day of your fee period. Combined business deposit balances include the average ledger balance in your Navigate Business Checking® account plus other qualified linked accounts:
- Your business checking accounts: Initiate Business Checking® and Additional Navigate Business Checking PLUS
- Your business savings accounts: Business Market Rate Savings and Business Platinum Savings PLUS
- Your business time accounts (CDs): Business Time Account (CD) and Business Step Rate Time Account (CD)
Your Navigate Business Checking account cannot be linked to another Navigate Business Checking account for combined balances. Other accounts linked to your Navigate Business Checking account for combined balances, such as a Business Market Rate Savings account, cannot simultaneously be linked to another Navigate Business Checking account to avoid the monthly service fee with combined balances.
See the Business Account Fee and Information Schedule for additional business account information.
Transactions means all checks deposited and all withdrawals or debits posted to your account, including paper and electronic, except debit card purchases and debit card payments.
Optimize Business Checking customers can access advanced features through Wells Fargo VantageSM. Available within a billing relationship. Enrollment in Vantage is required and additional fees may apply. Contact your banker for a complete description of services, fees, and enrollment instructions.
The first five Optimize Business Checking accounts within a billing relationship are included in the monthly maintenance fee of $75. Additional Optimize Business Checking accounts in excess of five are $30 each. See the Business Account Fee and Information Schedule for additional business account information.
The Optimize Business Checking account is eligible for an earnings allowance to offset eligible fees and expenses, including certain service fees. To calculate your earnings allowance, we apply the earnings credit rate to the investable balance available for services in your account. The earnings credit rate is a variable rate that the Bank can change at any time. The rate appears on your client analysis statement.
If your earnings allowance is greater than the total eligible fees for a given statement period, we won't credit that amount to your account or carry it forward to the following statement period. In any statement period where your fees exceed your earnings allowance, we'll debit your account or invoice you for the difference.
Optimize Business Checking customers may also deposit checks via Mobile® by enrolling in our Desktop Deposit® service.
Terms and conditions apply. Some (but not all) digital wallets require your device to be NFC (Near Field Communication) enabled and to have the separate wallet app available. Your mobile carrier’s message and data rates may apply.
Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures will not be approved.
*Screen images simulated
See the Business Account Fee and Information Schedule and Deposit Account Agreement for additional business account information.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Wells Fargo Bank, N.A. Member FDIC.
QSR-05072026-7276542.1.1
LRC-1124
