Choosing the right account
How can I avoid incurring the monthly service fees on a checking or savings account?
If you maintain minimum or average balance requirements, it is possible to avoid paying certain fees on some of our business checking and savings accounts. Please see individual product pages for more information.
Can information about Wells Fargo's business accounts be mailed to me?
No, but information about business checking account options is available online at Business Checking Accounts Overview. For information about business savings accounts, please visit Business Savings Accounts and Time Accounts (CDs) Overview. If you prefer printed materials, you can pick up paper copies by visiting a Wells Fargo branch.
Opening a new account
How do I apply for a business checking or savings account?
You can apply for most of our checking and savings accounts through our online application or in a local branch.
If I provide information via the Internet, is it safe and secure?
We are consistently enhancing our security measures and identifying new and emerging threats to help keep your accounts and information secure. See How We Protect You for more information.
What is the minimum opening deposit for business accounts?
You can open most of our business accounts with a minimum opening deposit of $25.
What documentation is required to open a business account?
Visit What you’ll need to open a business deposit account for the documents you will need on hand to open an account.
Do I need a fictitious name statement?
A fictitious name statement or similar document is required if you are doing business using another name. For example:
- Sole proprietors: John Smith doing business as Smith Lawn Service
- Other entities: ABC Company doing business as 123 Events
Visit What you’ll need to open a business deposit account to learn about the various business documents required to open a business account and how to obtain a fictitious name statement.
Is a Social Security number necessary to open a business account?
Yes. Every signer on an account must provide a Social Security number before opening a business account.
How do I resolve ChexSystems® issues?
Please contact ChexSystems® directly at 1-800-428-9623.
Can I open a business account if there are no Wells Fargo branches in my state?
Yes. Wells Fargo checking and savings customers can open accounts in any state. View our checking and savings options to see what accounts are available.
Account maintenance and activity
How do I set up Overdraft Protection?
Overdraft Protection is available from your eligible Wells Fargo business savings account or Wells Fargo business credit account. To set up Overdraft Protection, call Small Business Customer Service at 1-800-225-5935 or sign on to Wells Fargo Business Online®.
How do I make deposits and/or withdrawals if there isn't a Wells Fargo branch in my town?
You can make a deposit using merchant card deposits, ACH credits, incoming online wires, and mail. You can also use mobile banking to make deposits, pay bills, transfer money, and view your account activity.
Withdrawals may be made at a non-Wells Fargo Bank ATM, by writing checks, ACH debits, or outgoing wires (additional fees may apply).
Our Bank by Mail service allows you to perform various bank transactions through the mail. Please call Wells Fargo Business Checks by Harland Clarke at 1-800-237-8982. Agents can help you Monday through Friday,
5 am - 7:30 pm, Pacific Time, and Saturday, 5 am - 4 pm, Pacific Time.
Do you offer "deposit only" ATM cards?
Business deposit cards are available. These can be utilized 24/7 by employees, runners, and couriers to make cash and check deposits at a Wells Fargo ATM. The cards are "deposit only" and prohibit the ability to withdraw cash and see account activity. When the business deposit card is used to make an ATM deposit, account balances are neither displayed on the ATM screen nor printed on the ATM receipt.
How do I order a duplicate statement?
You can order duplicate statements by logging into Wells Fargo Business Online® and submitting your request. You can also order photocopies of bank statements by calling Small Business Customer Service at 1-800-225-5935.
Can I review and make transactions with my business account online?
Yes. Wells Fargo Business Online® provides access to both your business and personal accounts, so you can manage your business banking at anytime, anywhere you have Internet access. With access to Wells Fargo Business Online, you can review and transfer funds between your Wells Fargo accounts, request statement and check copies, stop payments, and much more.
How do I order checks and deposit tickets?
Online
You can order checks and deposit tickets for your eligible business accounts online. Order now
By Phone
Call Harland Clarke at 1-800-237-8982. Agents are available to assist you Monday through Friday, 5 am to 7:30 pm Pacific Time, and Saturday 5 am to 4 pm Pacific Time.
Check Styles
You can view all of the Business Check Styles as well as accessories and enhancements by viewing our Business Check Solutions Catalog (PDF)*.
How do I replace a lost ATM card?
To replace an ATM card, please sign on to Wells Fargo Business Online® or www.wellsfargo.com/replacemycard to request your new replacement card online. You can also visit a branch or call Small Business Customer Service at 1-800-225-5935.
Do you offer Zelle®?
Yes. Zelle® is available for eligible small business checking and savings accounts. It is a fast, safe, and, easy way to pay and get paid, without requiring access to cash or checks. Learn more about Zelle® for your business.
How do I send or receive a wire?
Wells Fargo Business Online® Wires
Send domestic and international wires to personal or business accounts quickly and securely with Wells Fargo Online® Wires. To learn more, view our Wires FAQs.
How do I set up a recurring transfer?
To set up a recurring transfer between your eligible Wells Fargo business accounts, sign on to Wells Fargo Business Online Banking®, then select the Transfer & Pay tab.
About recurring transfers:
- If a transfer date falls on a weekend or holiday, we will credit the transfer to your account on the next business day.
- You can change or delete your recurring transfer by selecting the Transfer & Pay tab and clicking the View/Edit link in the action column of the transfer you want to change.
- We do not offer the ability to set up recurring transfers between Wells Fargo customers.
How do I reactivate my inactive account?
Checking and Savings
Here are some common ways you can reactivate your account (some options may not be available for your account):
- Sign on to Wells Fargo Business Online®, go to Account Summary, and select the option to reactivate your account that is displayed next to the inactive account
- Transfer funds online to this account
- Transfer funds online from the inactive account to another Wells Fargo account
- Make a deposit into this account using Wells Fargo Mobile® Deposit, or at a Wells Fargo ATM or banking location
- Make a withdrawal from this account at a Wells Fargo ATM or banking location
- Write a check that is paid from this account
- Call us anytime at 1-800-225-5935 or visit a Wells Fargo location
- To find a banking location near you, visit wellsfargo.com/locator
Time Accounts (CDs)
Please call us anytime at 1-800-225-5935 or visit a Wells Fargo banking location.
Customers outside of the United States can call Wells Fargo customer service toll-free from most countries – International Access Codes https://www.wellsfargo.com/help/international-access-codes/
How do I reactivate my dormant account?
Please call us anytime at 1-800-225-5935 or visit a Wells Fargo location. To find a banking location near you, visit wellsfargo.com/locator. Reactivation may take up to 3 business days.
Customers outside of the United States can call Wells Fargo customer service toll-free from most countries – International Access Codes https://www.wellsfargo.com/help/international-access-codes/
Changing account information
How do I change my account from one business checking or savings account to another?
You can change the checking or savings product by visiting your local Wells Fargo branch, or if you prefer, you can call Small Business Customer Service at 1-800-225-5935.
How do I add an additional signer to an existing business account?
To add an additional signer to an existing account, you will need to update your current signature card or, depending on the type of business you maintain and the type of account you have, you may need to open a new business account. To find out what is required in your particular case, visit your local Wells Fargo branch, or call Small Business Customer Service at 1-800-225-5935.
How do I change my name on my business checking or savings account?
In order to change a name on your account, you need to complete a new signature card. Please visit your nearest Wells Fargo branch or call Small Business Customer Service at 1-800-225-5935 and we can help you with your request.
How do I make a change of address?
To make a change of address and order new checks you may log into a secured Wells Fargo Business Online session and submit a request. You can also request the change through a Wells Fargo branch or through Small Business Customer Service at 1-800-225-5935.
How do I close a business deposit account?
We appreciate your business, but if you need or want to close your account, the information provided will assist you in completing your request.
Contact us to close your account:
- Call us at 1-800-225-5935
- Or visit a Wells Fargo near you.
- If outside of the U.S., complete the Account Closure or Partial Withdrawal Request form (PDF) and send it to us by mail.
You may request to close your account anytime. We can close most accounts immediately when:
- The account has a positive or zero balance.
- All deposits, outstanding and pending items are posted.
Are there conditions that may prevent closure?
Yes. When you request closure by phone or in person, we'll inform you if your account has a condition that prevents closure. These conditions may include:
- Transactions in process, including Overdraft Protection transfers, that need to post.
- Inactive accounts that need to be reactivated. Ask your banker to reactivate your account. Or, you can sign on to Online Banking to see if you have the option to reactivate your account online.
- Legal or bank restrictions that need to be resolved.
- Funds pledged for collateral or other purposes that need to be released.
- Balance sweep feature needs to be removed.
- Overdrawn accounts that need to be brought back to a zero or positive balance. This information may help you avoid additional transactions and fees:
- If your account is enrolled in the optional Debit Card Overdraft Service, any account holder with transaction authority on the eligible checking account can remove the service by visiting a Wells Fargo ATM (select More Choices, Wells Fargo Services), through Online Banking, talking with a branch banker, or calling 1-800-CALL-WELLS (1-800-225-5935).
- Review your statements for automatic transactions and cancel them by contacting the merchant(s).
- When you have a previously authorized transaction, such as ATM and debit card transactions, transfers, and Wells Fargo Online Bill Pay transactions, presented for payment and your account doesn't have enough money, we will pay the item(s) into overdraft and an overdraft fee may be assessed.
- When checks and checking account automatic payments (ACH) are presented for payment and your account doesn't have enough money, we may pay the item(s) into overdraft or return the item(s) unpaid. If we pay the item into overdraft an overdraft fee may be assessed.
- Please refer to the Deposit Account Agreement and Business Fee and Information Schedule for more information.
Important Reminders:
- Accounts with a zero balance will continue to be charged applicable fees (like the monthly service fee) until you request to close your account.
- Any recurring payments or withdrawals from your account need to be cancelled before your request to close (examples include bill payments, and debit card payments) otherwise, they may be returned unpaid.
- If you would like to close your Loan, Line of Credit, or other type of account, please call the appropriate customer service department listed on your statement or in this phone directory.
How do I close a CD (Time account)?
- Call us at 1-800-225-5935
- Or visit a Wells Fargo branch near you.
- Or complete the Account Closure or Partial Withdrawal Request form (PDF) and send it to us by mail.
Please note: Early withdrawal penalties may apply if you make withdrawals or close a CD before the maturity date. In addition, the Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period. If you make a final transfer or withdrawal, you will have to wait until that item posts.
Subject to account eligibility requirements. Advances from linked credit accounts accrue interest from the date of each advance. Advances from credit cards accrue interest at the cash advance rate. Please see your credit agreement for more details.
Enrollment in Wells Fargo Online® Wires is subject to eligibility requirements, and terms and conditions apply. Applicable outgoing or incoming wire transfer service fees apply, unless waived by the terms of your account. Your mobile carrier’s message and data rates may apply. For more information, see the Wells Fargo Online Access Agreement and your applicable account fee disclosures for other terms, conditions, and limitations.
Mobile deposit is only available through the Wells Fargo Mobile® app. Deposit limits and other terms and conditions apply.
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.
In addition to any applicable fees, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used is set by Wells Fargo, includes a markup and may be different than exchange rates you see elsewhere. For additional information related to Wires and foreign currency wires, please see the Online Access Agreement or applicable service documentation.
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®.
Business checking accounts (with the exception of IOLTA/RETA accounts and accounts for government entities) are automatically enrolled in Debit Card Overdraft Service when the account is opened. It is an optional service that customers can add or remove at any time.
Our overdraft fee for Business checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means); We charge no more than four overdraft fees per business day for Business accounts.
Recurring debit card payments and other transactions, such as checks, Bill Pay, or ACH transactions, may continue to be authorized into overdraft at our discretion if there isn’t enough money in the account, even if the account is not enrolled in Debit Card Overdraft Service, and our standard overdraft fees and policies will apply.
The payment of transactions into overdraft is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.
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-05172025-6107754.1.1
LRC-0124
