Business checking

Find the right account for your growing business,

like our most popular Business Choice Checking account.

Our business checking account options

Simple Business Checking

Best for home-based, non-profit, or smaller business with limited cash flow activity.

50

transactions or less per month

Avoid the $10 monthly service fee $25 minimum account opening deposit Compare Accounts

Business Choice Checking

Our most popular choice for your new or growing business.

200

transactions or less per month

Avoid the $14 monthly service fee $25 minimum account opening deposit Compare Accounts

Platinum Business Checking

Great for your established business if you're looking for premier relationship benefits.

500

transactions or less per month

Avoid the $40 monthly service fee $25 minimum account opening deposit Compare Accounts

To apply for a business checking account, you will need*:

social security card social security card

Social Security number

information icon information icon

Business tax identification number

identification icon identification icon

Valid driver's license or state ID

form icon form icon

U.S. State or Territory business registration information

We do not accept applications for businesses formed outside of the United States, unless the business is in a U.S. Territory.

**

money icon money icon

$25 opening deposit

*Additional documents may be necessary. See full list of documents needed based on your business type.

**We do not accept applications for businesses formed outside of the United States, unless the business is in a U.S. Territory.

See which business checking account is right for you

Simple
Choice
Platinum
No charge transactions included
50
200
500
No charge cash deposits included
$3,000
$7,500
$20,000
Mininum opening deposit
$25
$25
$25
Monthly service fee
$10
$14
$40
Simple
Choice
Platinum
No charge transactions included 50 200 500
No charge cash deposits included $3,000 $7,500 $20,000
Mininum opening deposit $25 $25 $25
Monthly service fee $10 $14 $40

How to avoid the monthly service fee​

Avoid the monthly service fee with any one of the following each fee period:

Average ledger balance
$500
$7,500
$25,000
Combined business balances (business checking, savings, CDs, and credit)
$10,000
$40,000
Business debit card purchases and/or payments from this checking account1
10 or more
Linked to a Direct Pay2 through Wells Fargo Business Online® Banking
yes for choice
Qualifying transaction from a linked Wells Fargo Merchant Services account
yes for choice
Qualifying transaction from a linked Wells Fargo Business Payroll Services account
yes for choice

How to avoid the monthly service fee​

Avoid the monthly service fee with any one of the following each fee period:

Average ledger balance $500 $7,500 $25,000
Combined business balances (business checking, savings, CDs, and credit) $10,000 $40,000
Business debit card purchases and/or payments from this checking account1 10 or more
Linked to a Direct Pay2 through Wells Fargo Business Online® Banking yes for choice
Qualifying transaction from a linked Wells Fargo Merchant Services account yes for choice
Qualifying transaction from a linked Wells Fargo Business Payroll Services account yes for choice

Account Benefits & Features

Business debit card3
yes for simple
yes for choice
yes for platinum
Wells Fargo Business Online®, Wells Fargo Mobile® app & Business Bill Pay
yes for simple
yes for choice
yes for platinum
Optional overdraft protection
yes for simple
yes for choice
yes for platinum
Fee waivers and discounts for various business loans and lines of credit4
yes for choice
yes for platinum
No monthly service fee on up to 2 Additional Platinum Checking accounts
yes for platinum
Interest-bearing option​
yes for platinum
No fee for two incoming domestic (US) wire transfers per monthly fee period​
yes for platinum
Two free domestic (US) non-Wells Fargo ATM transactions per fee period​5
yes for platinum
No fee for stop payments, money orders, and cashier’s checks​
yes for platinum

Business debit card3

yes for simple yes for choice yes for platinum

Wells Fargo Business Online®, Wells Fargo Mobile® app & Business Bill Pay

yes for simple yes for choice yes for platinum

Optional overdraft protection

yes for simple yes for choice yes for platinum

Fee waivers and discounts for various business loans and lines of credit4

yes for choice yes for platinum

No monthly service fee on up to 2 Additional Platinum Checking accounts

yes for platinum

Interest-bearing option​

yes for platinum

No fee for two incoming domestic (US) wire transfers per monthly fee period​

yes for platinum

Two free domestic (US) non-Wells Fargo ATM transactions per fee period​5

yes for platinum

No fee for stop payments, money orders, and cashier’s checks​

yes for platinum

Connect with a banker for help opening your account