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Advanced digital solutions to help improve efficiency and control your business
Premium benefits to reward your relationship
Earnings allowance to offset eligible service fees
Best For
- Seasoned business owners
- Sophisticated banking needs and high transaction volume
- Relationship-based benefits
Get Started
Monthly maintenance fee is $75. Earnings allowance can be used to reduce the cost of eligible banking services.
Minimum opening deposit is $25. Provide with required business documents when you apply.
Apply online, call us at 1-866-902-9181, or have us contact you.
Optimize Business Checking features
Streamline your complex business needs with tools that help you focus on efficiency.
- No transactions fee for the first 250 transactions within a billing relationship per statement period; after 250, it's $0.50 for each transaction
- Includes up to five linked Optimize Business Checking accounts
- Access to treasury management services through Wells Fargo VantageSM
- Earnings allowance to help reduce eligible service fees
- No fees for stop payments, cashier's checks, and money orders
- No fee for incoming domestic and international wire transfers in U.S. and foreign currency,,,
- Up to five outgoing wires initiated in Wells Fargo VantageSM per statement period at no charge and $15 for each additional,,,,
- No fees for two domestic (U.S.) non-Wells Fargo ATM cash withdrawal transactions per statement period,
Optimize Business Checking fees
Monthly maintenance fee
The $75 monthly fee, which includes up to five Optimize Business Checking accounts and other benefits, may be offset by an earnings allowance.
Cash deposit processing fee
$0.0030 per $1 of cash deposits processed per statement period.
Non-electronic deposit fee
$2.50 per deposit
Non-electronic deposits are processed by a teller or mailed to the bank. These are not counted in the 250 transactions.
Transactions fee
No transactions fee for the first 250 transactions within a billing relationship per statement period. After 250, it's $0.50 each transaction.
For more analyzed business checking account options, call 1-866-902-9181.
Treasury Management service
Choose to enroll in select services accessible through the Wells Fargo VantageSM platform and CEO Mobile®. These include:
Pay and receive
- Wire funds
- Set up electronic (ACH) payments
- Deposit checks remotely
Review and act
- Activate robust alerts
- Protect against fraud
- Customize reports
Manage and control
- Control user access
- Assign dual approvers
- Set transactions limits
- Manage user passwords
Find out more about treasury management services.
Don't need treasury management services? Consider Navigate Business Checking®.
All business checking accounts include these benefits
24/7 fraud monitoring
Keep your contact information up-to-date so we can alert you if we notice certain unusual activity on your account.
Customized cards and checks
Reinforce your brand by adding your logo to checks and your business debit card.
Tap to pay
Use your contactless debit card or add to your digital wallet for fast, secure payments and Wells Fargo ATM access.
Manage account access
Enroll in online banking to review who has access to your business accounts, update authorizations, and manage users.
Account alerts
Enroll in Online Banking and set up alerts to help monitor your account balances and track recent purchases, cash withdrawals, and more.
Zero Liability protection
Report unauthorized debit card transactions promptly and your business won't be held responsible. No extra cost.
Mobile deposits
Deposit checks directly into your account, using the Wells Fargo Mobile® app.
Convenient payment options
Pay vendors, employees, and bills using our full range of payment services.
Help and resources
Other products
- Business savings account
- Wells Fargo Business Credit Card
- Business lines of credit
