Wells Fargo

Manage essential money needs with a checkless account, digital banking, and no overdraft fees.

Manage everyday spending with flexible payment options, mobile banking, and ways to avoid the monthly service fee.

Earn interest and access relationship benefits, eligible fee waivers, and ATM reimbursements through a Wells Fargo checking account.

Earn interest and access dedicated support, relationship pricing, fee waivers, and select banking, mortgage, card, and investment benefits.

Build savings habits with interest, automatic transfers, and flexible access options for customers of different ages.

Earn interest while keeping flexible access to savings and options for relationship rates and overdraft protection.

Grow savings with a predictable fixed return, selectable terms, and FDIC-insured deposits.

Manage accounts, move money, deposit checks, and access banking assistance, security tools, and guidance from a mobile device.

Manage accounts, view statements, transfer money, and pay bills online from a computer or mobile device.

Pay in person and digitally, access cash at Wells Fargo ATMs, and manage card activity with security tools and alerts.

Earn rewards on eligible card purchases and redeem them for account credits, purchases, gift cards, or travel.

Finance a new or used vehicle through participating dealerships and manage payments and loan activity online or on the go.

Finance a home purchase or refinance with mortgage choices, assistance programs, estimates, and account management tools.

Fund projects, purchases, or unexpected expenses with an unsecured loan and predictable monthly payments.

Order travel cash and send or receive international payments through wires and eligible foreign checks.

Send money to friends and family in supported countries with flexible delivery, transfer estimates, and tracking.

Provides checking for businesses with lower balances and fewer financial transactions.

Provides established businesses with checking suited to higher balances and more financial activity.

Helps businesses with sophisticated banking needs manage checking and treasury management services.

Helps businesses with lower balances get started saving with a business savings account.

Offers businesses with higher balances a dedicated savings account option.

Businesses can earn interest at a fixed rate over a set term.

Earn unlimited 2% cash rewards on business purchases with a card designed for business spending.

Accept card payments in person, online, or on the go with business payment processing options.

Supplement cash flow and access financing for business growth, commercial real estate, and ongoing operations.

Businesses can explore SBA loan options featuring longer repayment terms and lower down payments.

Helps healthcare practice owners explore financing options for their practices.

Helps businesses meet their payroll and human resources needs.

Manage business accounts and handle transfers, payments, statements, and alerts online.

Collect customer payments, pay suppliers, and issue reimbursements through Wells Fargo digital banking channels.

Access financing to support business operations, expansion, working capital, equipment, and strategic priorities.

Helps commercial businesses strengthen payments, optimize cash flow and liquidity, support working capital, and mitigate financial risk.

Get individualized investment planning and advice through a one-on-one relationship with a dedicated Financial Advisor.

Get investment guidance and planning centered on your financial goals.

Invest in a low-cost automated portfolio, with online account opening and a $500 starting amount.

Manage investments independently with online trading and retirement account choices.

Helps qualifying clients coordinate tailored wealth services and strategies around personal, business, family, or institutional needs.

Clear Access Banking

A checkless checking account for essential money management. It offers no overdraft fees, mobile deposit, Bill Pay, Zelle, digital wallets, and mobile and online banking. A $5 monthly fee may be avoided under qualifying conditions. Designed for teens, students, first-time banking customers, and people seeking a second-chance banking option.

• Avoid Overdraft Fees
  Manage spending without account overdraft fees, while noting that some transactions may be declined or result in a negative balance.
• Bank Without Writing Checks
  Use digital services for common banking tasks without writing checks. Check deposits are allowed.
• Avoid The Monthly Fee
  Meet qualifying conditions to pay no monthly service fee; age is one available qualification.
• Open An Account From Age 13
  Eligible customers age 13 and older can open the account, with adult co-ownership or branch-opening requirements for some minors.
• Receive Eligible Deposits Earlier
  Access eligible direct deposits up to two business days earlier through Early Pay Day.
• Deposit Checks By Phone
  Deposit eligible checks through the mobile app rather than visiting a branch, subject to limits and restrictions.
• Monitor And Protect Accounts
  Access around-the-clock fraud monitoring and Zero Liability protection, subject to terms.
• Insure Eligible Deposits
  Funds receive FDIC insurance up to the maximum applicable limit.
• Pay Bills Online
  Manage bill payments digitally without writing checks.
• Send And Receive Money
  Transfer money digitally with eligible enrolled users, subject to terms.
• Manage Banking Online
  Access mobile and online banking from a phone or computer.
• Meet Bank On Standards
  Provides an account that meets Bank On National Account Standards.
• Pay With Digital Wallets
  Use eligible cards in supported digital wallets, subject to device availability.
• Access Wells Fargo ATMs
  Use Wells Fargo’s network of more than 10,000 ATMs.

Everyday Checking

A checking account designed for everyday banking, with check writing, a debit card, digital payments, online and mobile banking, mobile check deposit, and online bill pay. The $15 monthly service fee can be avoided through qualifying balance, deposit, age, linked-balance, or military direct-deposit conditions.

• Avoid The Monthly Service Fee
  Meet one of several qualifying conditions to avoid the $15 monthly fee.
• Monitor Fraud Around The Clock
  Access fraud monitoring and protection for eligible unauthorized card transactions.
• Pay With Zelle And Digital Wallets
  Use supported digital payment methods, subject to enrollment and device requirements.
• Manage Accounts Online Or By App
  Manage the account from a computer or mobile device.
• Use Options To Help Avoid Overdrafts
  Use available overdraft options, including linked-account protection and Extra Day Grace Period.
• Keep Deposits FDIC-Insured
  Account funds receive FDIC insurance up to the maximum applicable limit.
• Write Checks For Everyday Payments
  Use paper checks for payments when needed.
• Deposit Eligible Checks By App
  Submit eligible check deposits through the mobile app, subject to limits and restrictions.
• Schedule And Manage Bill Payments
  Use online or mobile banking to schedule and manage bill payments.
• Access Eligible Deposits Earlier
  Access eligible direct deposits up to two business days early, subject to terms.
• Pay And Access ATMs With A Debit Card
  Use the debit card for purchases and ATM access, including contactless payments where accepted.
• Access More Than 10,000 Wells Fargo ATMs
  Use Wells Fargo ATMs for local and on-the-go banking.

Prime Checking

An interest-bearing checking account with relationship benefits. A $25 monthly fee can be avoided with at least $20,000 in qualifying linked balances; there is no minimum daily balance requirement. Benefits include relationship rates on eligible linked savings accounts and CDs, mortgage and select loan benefits, service fee waivers, ATM fee benefits, and investment-related discounts.

• Avoid The Monthly Service Fee
  Maintain qualifying linked balances to avoid the monthly service fee.
• Reduce Non-Wells Fargo ATM Fees
  Receive specified ATM fee waivers and reimbursements; operator or network fees may still apply.
• Earn Interest On Deposits
  Earn interest on deposited funds at applicable rates.
• Save On Select Banking Services
  Reduce costs on select banking services through fee waivers.
• Access Relationship Rates
  Link eligible savings accounts and CDs to receive applicable relationship rates.
• Qualify For Mortgage Benefits
  Access potential mortgage relationship benefits, subject to eligibility.
• Access Select Loan Discounts
  Qualify for potential select loan discounts, subject to loan and payment requirements.
• Manage Banking Online Or By Phone
  Manage the account from a computer or phone.
• Monitor And Protect Account Activity
  Access fraud monitoring and Zero Liability protection, subject to terms.
• Access Overdraft Support
  Use available services as options to help manage overdrafts.
• Access Eligible Deposits Earlier
  Receive eligible direct deposits sooner through Early Pay Day.
• Access Wells Fargo ATMs
  Use Wells Fargo’s ATM network.
• Access Investment Account Benefits
  Receive eligible advisory-fee and linked-balance benefits; investment products involve risk.
• Explore Available Bonus Offers
  Explore bonus offers that may be available with the account.

Premier Checking

An interest-bearing checking account with a $25 minimum opening deposit and a $35 monthly fee. The fee can be avoided with at least $250,000 in qualifying statement-ending balances in linked eligible accounts. Benefits include a dedicated Premier team, 24/7 phone support, relationship rates on eligible linked savings accounts and CDs, service fee waivers, and select mortgage, credit card, and investment benefits.

• Get Dedicated Support Around The Clock
  Connect with a dedicated Premier team and access phone support 24 hours a day, 7 days a week.
• Avoid The Monthly Service Fee
  Maintain qualifying linked balances to avoid the monthly service fee.
• Withdraw Cash Worldwide With Fee Benefits
  Access ATM fee waivers and reimbursements, subject to account terms.
• Save On Eligible Banking Services
  Reduce costs on eligible banking services through fee waivers.
• Access Relationship Rates On Linked Accounts
  Link eligible savings accounts and CDs to qualify for applicable relationship rates.
• Earn Interest On Deposited Funds
  Earn interest on deposited funds, subject to the applicable rate and balance.
• Avoid International Debit Purchase Fees
  Make international debit purchases without a Wells Fargo transaction fee.
• Access Eligible Mortgage Benefits
  Qualifying customers may access mortgage relationship benefits based on eligible assets.
• Waive The Advisors Annual Account Fee
  Avoid the Wells Fargo Advisors annual account fee.
• Explore Offers On Select Credit Cards
  Access potential bonus or reward offers on select credit cards.
• Waive Eligible Business Account Fees
  Receive a monthly service fee waiver on eligible business accounts.
• Reduce Eligible Advisory Fees
  Receive the stated advisory fee discount, subject to terms.
• Access Eligible Deposits Earlier
  Receive eligible direct deposits sooner through Early Pay Day.
• Manage Overdrafts With Available Services
  Use available services to help manage overdrafts.
• Explore Securities-Based Lending
  Explore lending through Wells Fargo Advisors, subject to eligibility and risks.
• Get Personal Wallet Checks At No Fee
  Order Personal Wallet Checks at no fee.
• Upgrade Without Changing Your Account Number
  Convert an existing checking account without changing its account number.

Way2Save Savings

An interest-bearing savings account designed to help customers build savings automatically. Save As You Go transfers $1 from a linked Wells Fargo checking account after qualifying one-time debit card purchases or online Bill Pay transactions post. The account requires a $25 minimum opening deposit; its $5 monthly fee may be avoided through qualifying balance, transfer, Save As You Go, or age conditions. Children, teens, and students can use the account, with ownership options based on age. Funds can be accessed by debit or ATM card, and optional Overdraft Protection is available for a linked checking account.

• Build Savings With Everyday Transactions
  Automatically move money into savings after qualifying purchases or Bill Pay activity, or set up recurring transfers.
• Earn Interest On Savings
  Earn interest on account funds, compounded daily and paid monthly.
• Avoid The Monthly Service Fee
  Qualify for a $0 monthly service fee through eligible balance, transfer, Save As You Go, or age conditions.
• Start Saving At A Young Age
  Support saving for children, teens, and students through age-appropriate individual or joint ownership.
• Learn To Manage Money With Guidance
  Support money-management learning through adult guidance and joint account activity.
• Access Savings By Card
  Use a Wells Fargo debit or ATM card to access account funds.
• Keep Deposits FDIC-Insured
  Account funds are covered by FDIC insurance up to applicable limits.
• Monitor And Manage Savings Online
  Use online and mobile banking tools to monitor savings, set alerts, make mobile deposits, and receive eligible Zelle payments.
• Save Toward College Expenses
  Set aside money for college and manage college expenses.
• Protect A Linked Checking Account
  Make savings available for optional Overdraft Protection on an eligible linked checking account.
• Open With $25
  Open the account with a minimum deposit of $25.

Platinum Savings

A Wells Fargo savings account with variable interest rates and flexible access to funds. Customers can make unlimited withdrawals and transfers, access funds online or by mobile, withdraw at branches and Wells Fargo ATMs, and write checks. Eligible linked checking accounts may qualify for a Relationship Interest Rate. A $25 minimum opening deposit is required. The $12 monthly fee can be avoided with a $3,500 minimum daily balance during each fee period. Optional Overdraft Protection is available for a linked checking account, and funds are FDIC-insured up to applicable limits.

• Access Funds Through Multiple Channels
  Use online or mobile banking, branches, ATMs, transfers, and checks to access savings.
• Earn The Advertised New-Customer APY
  Eligible new savings customers may earn the advertised APY by meeting balance, timing, and eligibility requirements.
• Qualify For A Relationship Interest Rate
  Link an eligible checking account to qualify for an applicable relationship rate.
• Keep Deposits FDIC-Insured
  Account funds are FDIC-insured up to applicable limits.
• Avoid The Monthly Service Fee
  Maintain the stated minimum daily balance to avoid the monthly service fee.
• Help Protect A Linked Checking Account
  Choose optional protection for a linked eligible checking account.

Wells Fargo CDs

Wells Fargo Certificates of Deposit offer fixed-rate savings for a selected term. The rate stays the same until maturity, allowing customers to estimate earnings if they keep the CD for the full term. Listed terms include 3 months, 6 months, and 1 year, with additional terms available at a branch. CDs require a $2,500 minimum opening deposit, have no monthly service fee, and are FDIC-insured up to applicable limits. Early withdrawals may incur a penalty.

• Lock In A Predictable Return
  Use a fixed rate to estimate interest earnings throughout the term.
• Keep Deposits FDIC-Insured
  Funds receive FDIC insurance up to applicable limits.
• Choose A Term That Fits
  Select a listed term or ask a branch about additional options.
• Earn Potentially Higher Interest
  CDs are presented as a savings option that typically pays higher rates than other deposit products.
• Access Eligible Relationship Rates
  Qualify for applicable relationship rates by maintaining the required eligible checking link.
• Understand Early Withdrawal Costs
  Plan around the term to understand potential reductions to earnings or principal from early withdrawal.
• Open With At Least $2,500
  Open a Standard Fixed Rate CD with the stated minimum deposit, subject to current terms.
• Avoid Monthly Service Fees
  No monthly account service fee is listed for Fixed Rate CDs.

Wells Fargo Mobile® app

The Wells Fargo Mobile app lets customers manage accounts, move money, pay bills, deposit checks, and access support from Fargo, the virtual assistant. Customers can manage cards, view statements and documents, set alerts, and access security tools. Additional features include digital wallet access, ATM finding, international transfers through ExpressSend, and LifeSync goal setting and financial guidance. Fargo provides banking answers and shortcuts in English or Spanish and can help send money to stored contacts.

• Monitor Accounts And Activity
  View balances, account details, and transactions, search activity, and open new accounts.
• Transfer Funds And Pay Bills
  Move money between accounts, arrange automatic transfers, and schedule or make bill payments.
• Deposit Eligible Checks
  Deposit eligible checks without visiting a branch, subject to limits and restrictions.
• Send And Receive Money
  Send, request, or receive money with eligible users, including through Fargo shortcuts.
• Get Banking Answers And Shortcuts
  Get answers, insights, and shortcuts for everyday banking tasks in English or Spanish.
• Manage And Control Cards
  Activate or replace eligible cards and control card access through the app.
• Review Security And Scam Guidance
  Review security settings and guidance for protecting accounts and avoiding scams.
• Stay Informed About Accounts
  Set alerts and receive supported notifications about account activity and authentication.
• Add Cards To Digital Wallets
  Add eligible cards to supported digital wallets for payments.
• Send International Transfers
  Send money to supported destinations, view transfer costs, and track transfers.
• View Statements And Documents
  Access online statements and documents from the app.
• View Your Latest FICO Score
  View an available FICO Score if eligible.
• Set Goals And Track Progress
  Set financial goals, monitor progress, and access related guidance.
• Find Nearby ATMs
  Locate Wells Fargo ATMs using GPS-enabled ATM finding.

Wells Fargo Online®

Wells Fargo Online is an online banking service available from a computer or mobile device after enrollment. Customers can access eligible accounts, view statements, set alerts, transfer money, pay bills, and use Zelle, digital wires, and ExpressSend. Wells Fargo also provides online banking help and security resources.

• Manage Accounts From A Computer Or Mobile Device
  Access and manage accounts online after enrollment.
• Transfer Money Between Accounts And Banks
  Move funds between accounts and financial institutions, including through automatic transfers.
• Pay Bills Once Or On A Schedule
  Send payments within the U.S. once or on a recurring schedule.
• View Statements And Manage Delivery Preferences
  Access online statements and choose how eligible statements and documents are delivered.
• Send And Receive Money With Zelle
  Transfer money with enrolled users, subject to eligibility and limits.
• Review Security Settings And Protection Guidance
  Access account-protection resources, security settings, best practices, and scam guidance.
• Set Alerts For Selected Accounts
  Configure available alerts to stay informed about account activity.
• Send Digital Wires In The U.S. And Abroad
  Send wires to business or personal accounts domestically or internationally, subject to fees and eligibility.
• Send Money To Recipients In 12 Countries
  Use ExpressSend for eligible account-credit or cash-pickup transfers to supported countries.
• Explore Tools For Your Financial Future
  Use available tools and services to plan for the financial future.

Wells Fargo debit and ATM cards

Wells Fargo debit and ATM cards provide access to purchases and cash withdrawals, including contactless payments at participating merchants and Wells Fargo ATMs. Eligible cards can be added to supported digital wallets. Customers can customize eligible debit card designs, manage card controls and alerts, review activity, and request replacements. Cards include fraud monitoring and Zero Liability protection for promptly reported unauthorized transactions, subject to conditions.

• Make Purchases And Access Cash
  Use the card for purchases and ATM withdrawals.
• Get Reimbursed For Unauthorized Transactions
  Receive reimbursement for eligible, promptly reported unauthorized transactions.
• Control Cards And Track Activity
  Manage card access, alerts, and available purchase and withdrawal limits.
• Monitor For Fraud Around The Clock
  Receive around-the-clock fraud monitoring for card security.
• Pay With A Tap
  Make contactless purchases without inserting or swiping the card.
• Pay With Supported Digital Wallets
  Use eligible cards in supported digital wallets for purchases.
• Request A Replacement Card
  Replace a lost, stolen, or damaged card through available channels.
• Review Card Activity
  Check card and account activity online or in the mobile app.
• Use Your Card Abroad
  Use a debit card while traveling internationally, subject to applicable fees.
• Activate Cards Through Multiple Channels
  Choose online, mobile, phone, or ATM activation.
• Earn Cash Back On Purchases
  Activate personalized offers and earn cash back on eligible purchases.
• Customize Eligible Card Designs
  Choose from available designs for an eligible debit card.

Wells Fargo Rewards®

A rewards program for eligible Wells Fargo rewards-based credit cards. Cardholders can earn rewards on eligible purchases and redeem them as credits to eligible Wells Fargo credit card or checking accounts, toward eligible past purchases, with participating merchants through Pay with Rewards, for gift cards, or for travel. A rewards account is automatically created when an eligible card is opened. Cardholders can track rewards online or by phone.

• Earn Rewards On Eligible Purchases
  Earn rewards on eligible purchases made with a qualifying credit card.
• Apply Rewards To Eligible Accounts
  Use rewards for credits to eligible Wells Fargo accounts.
• Cover Eligible Past Purchases
  Redeem rewards for the full amount of an eligible past purchase.
• Pay For Qualifying Purchases With Rewards
  Use available rewards toward qualifying purchases with participating merchants.
• Use Rewards For Travel
  Redeem rewards for eligible travel options.
• Redeem Rewards For Gift Cards
  Choose from available gift card options.
• Track Rewards Online Or By Phone
  View rewards information online or contact the Rewards Service Center.
• Access An Automatically Created Rewards Account
  Receive a rewards account automatically with an eligible card.
• Share Rewards Through Pay With Rewards
  Allow eligible card users to access and redeem associated rewards.

Wells Fargo Auto Loans

Wells Fargo provides new and used vehicle financing through a nationwide network of nearly 11,000 dealerships. If Wells Fargo Auto funds the loan, customers can manage the account online or through the mobile app, make payments through several channels, view statements and loan activity, and set up Autopay.

• Access Financing Through Participating Dealerships
  Explore financing for a new or used vehicle through participating dealerships.
• Manage Your Loan From Anywhere
  Manage loan activity and account tasks online or through the app.
• Choose A Convenient Payment Method
  Choose online, mobile, phone, or mail payment methods.
• Automate Monthly Loan Payments
  Schedule monthly debits from a checking or savings account.
• View Up To 12 Months Of Statements
  Access recent statements online or in the mobile app.
• Understand How Daily Interest Accrues
  See how payments are allocated between interest and principal under a simple interest structure.
• Explore Options For Payment Challenges
  Review possible options for addressing payment difficulties.
• Request An Eligible Due Date Change
  Adjust payment timing once if account eligibility requirements are met.
• Pay Ahead And Reduce Principal
  Cover future payments and potentially reduce principal with additional payments.
• Benefit From Decades Of Financing Experience
  Access financing from a provider with stated experience in vehicle financing.

Home Mortgage Loans

Wells Fargo home mortgage loans finance home purchases and refinancing. Options include fixed-rate and adjustable-rate mortgages, jumbo, FHA, and VA loans. Borrowers can explore low down-payment options and assistance programs, request personalized rate estimates, and use calculators and guidance resources. Eligible customers may qualify for relationship rate discounts or closing cost credits. Mortgage account tools support payments, statements, and alerts.

• Compare Mortgage Loan Options
  Explore mortgage types for a home purchase or refinance.
• Lower Upfront Cash Needs
  Explore eligible mortgage programs that may require less money down.
• Access Eligible Homebuying Assistance
  Use available assistance toward down payments or closing costs when eligible.
• Explore Rates Without A Credit Impact
  Review estimated costs and options before applying, without affecting your credit score.
• Explore Lower Payments Or Rates
  Review refinance options to change rates, payments, or loan duration and compare costs.
• Access Home Equity Through Refinancing
  Explore home equity as a source of funds; availability depends on borrower and property circumstances.
• Estimate Borrowing Options Before Shopping
  Estimate a possible loan amount, rate, and payment to help plan a home search.
• Qualify For Potential Mortgage Discounts
  Access potential mortgage discounts or credits based on eligible balances and program requirements.
• Estimate Payments And Affordability
  Plan a home search and review potential payments with mortgage tools.
• Manage Payments And Account Details
  Make payments, review statements, and set alerts through account servicing tools.

Personal loans

Unsecured loans for home improvements, major purchases, unexpected costs, and debt consolidation. Borrowers receive a lump sum and repay it in fixed monthly payments. Loan amounts range from $3,000 to $100,000, with terms from 12 to 84 months depending on amount. Eligible existing Wells Fargo customers may check personalized rates without affecting their credit score. There is no origination fee, closing fee, or prepayment penalty.

• Choose An Amount And Repayment Term
  Choose an available loan amount and term, subject to requirements.
• Keep Monthly Payments Predictable
  Fixed rates and payments provide predictability over the loan term.
• Check Rates Without Affecting Your Credit Score
  Review personalized options before applying without affecting credit score.
• Borrow Without Pledging Collateral
  Access a lump sum without using assets as collateral.
• Lower Your Rate With Qualifying Autopay
  Qualify for a potential rate discount through an eligible account relationship and automatic payments.
• Avoid Origination And Closing Fees
  Avoid origination and closing fees on the personal loan.
• Get A Quick Decision And Funding
  Receive a prompt decision and potentially same-day funding, subject to approval and method.
• Fund A Range Of Personal Expenses
  Use funds for eligible personal expenses, including projects, purchases, and unexpected costs.
• Apply As An Eligible Wells Fargo Customer
  Apply if you meet the existing customer and other eligibility requirements.
• Pay Extra Or Pay Off Early
  Make extra payments or repay early without a prepayment penalty.
• Combine Eligible Debts Into One Payment
  Consolidate eligible debts into one payment, subject to loan terms.
• Apply Online By Phone Or In Person
  Choose an available application channel.

Foreign exchange services

Wells Fargo offers foreign currency cash for travel and international wire services to send and receive overseas payments. Account holders can order foreign currency cash online or at a branch, with delivery in 2–7 business days. Customers can send international wires online, through the mobile app, or at a branch, and receive wires in many foreign currencies. Branches can accept eligible checks in a limited number of foreign currencies and countries.

• Send And Receive International Wires
  Choose a channel to send an international wire or receive foreign-currency wires.
• Order Foreign Cash For Travel
  Order travel currency before a trip and receive delivery in 2–7 business days.
• Lock In The Wire Exchange Rate
  Know the foreign currency amount by locking in the exchange rate up front.
• Exchange Eligible Unused Cash
  Return eligible unused foreign cash at a branch.
• Review Applicable Conversion Rates
  Review exchange rates and fees, noting rates include a markup and may vary.
• Deposit Eligible Foreign Checks
  Check with a branch about depositing an eligible foreign check.

ExpressSend

An international person-to-person transfer service for sending money to friends and family. Customers can initiate transfers through the Wells Fargo Mobile app, with delivery to eligible bank accounts or cash pickup locations where available. Destinations span Mexico, the Caribbean, Central America, South America, and Asia. Customers can view estimated fees and exchange rates and track transfers. The transfer fee is waived for a customer's first mobile ExpressSend transfer.

• Send Money From Your Phone
  Start international transfers from a smartphone.
• Reach Supported Destinations
  Send money to supported destinations across several regions.
• Choose How Recipients Get Funds
  Select a supported account or cash-pickup method where available.
• Review Transfer Costs Upfront
  Review estimated transfer costs before initiating a payment.
• Track Transfers In Real Time
  Follow the progress of a transfer after sending.
• Save On Your First Mobile Transfer
  Avoid the transfer fee on the first mobile transfer.
• Manage Up To 10 Recipients
  Save and manage recipient information for supported transfers.

Initiate Business Checking

A business checking account for businesses with lower balances and fewer financial transactions.

• Match Lower-Volume Business Banking Needs
  Provides a checking option suited to businesses with lower balances and fewer transactions.

Navigate Business Checking®

A business checking account for established businesses with higher balances and more financial activity.

• Support Established Businesses With Higher Account Activity
  Suited to established businesses with higher balances and more financial activity.

Optimize Business Checking

A business checking account for businesses with sophisticated banking needs, including treasury management services.

• Support Treasury Management Needs
  Includes treasury management services for businesses with sophisticated banking needs.

Business Market Rate Savings

A business savings account for businesses with lower balances that are just starting to save.

• Start Saving With Lower Balances
  Provides a savings option for businesses with lower balances.

Business Platinum Savings

A business savings account intended for businesses with higher balances.

• Match Higher-Balance Needs
  Provides a savings option positioned for businesses with higher balances.

Business Time Accounts (CDs)

Business time accounts (CDs) are designed for businesses seeking to earn interest at a fixed rate for a fixed length of time.

• Earn At A Fixed Rate
  Earn interest at a fixed rate for a fixed term.

Signify Business Cash® Card

A Wells Fargo business credit card that earns unlimited 2% cash rewards on purchases for your business. Terms apply.

• Earn Unlimited 2% Cash Rewards
  Earn unlimited 2% cash rewards on business purchases, subject to terms.

Merchant Services

Wells Fargo Merchant Services provides payment processing options that help businesses accept card payments at a point of sale, online, or on the go.

• Accept Cards At Your Business Location
  Process in-person card payments at a point of sale.
• Accept Card Payments Online
  Take card payments through online processing options.
• Accept Card Payments On The Go
  Accept card payments while away from a fixed business location.

Business lines of credit

Wells Fargo business lines of credit provide financing for businesses that need to supplement cash flow. Business financing options are also presented for growth, commercial real estate, and supporting day-to-day operations.

• Supplement Business Cash Flow
  Use a business line of credit to supplement cash flow.
• Support Ongoing Operations
  Use financing to help keep day-to-day operations running.
• Access Funds For Growth
  Access financing intended to support business growth.
• Fund Commercial Real Estate
  Access financing for commercial real estate needs.

SBA loans

Wells Fargo SBA loans are financing options for businesses interested in longer repayment terms and lower down payments.

Category: Business Loans

• Extend Repayment Terms
  Explore SBA loan options with longer repayment terms.
• Lower Down Payments
  Explore SBA loan options with lower down payments.

Healthcare practice financing

Wells Fargo provides financing options for healthcare practice owners through its business lines and loans offerings.

• Explore Practice Financing Options
  Practice owners can explore financing through Wells Fargo’s business lines and loans offerings.

Payroll Services

Payroll Services helps businesses meet their payroll and human resources needs.

• Meet Payroll And HR Needs
  Address payroll and human resources needs.

Wells Fargo Business Online

Wells Fargo Business Online provides business customers with online account management and banking services. Customers can transfer money, pay bills, access statements, set alerts, and use Zelle to get paid by customers, pay suppliers, and issue reimbursements.

• Manage Business Accounts
  Review business account information and manage activity online.
• Move Money Between Accounts
  Transfer funds between accounts, including automatic transfers.
• Pay Bills Online
  Send one-time or recurring payments within the U.S.
• Send And Receive Business Payments
  Use enrolled business accounts for customer payments, supplier payments, and reimbursements.
• View Statements Online
  Access eligible statements and manage document delivery.
• Set Account Alerts
  Receive account updates using available alert settings.

Zelle for your business

Zelle for your business lets businesses get paid by customers, pay suppliers, and issue reimbursements. Businesses can send and receive money through Wells Fargo Business Online and Wells Fargo Mobile using an enrolled email address, U.S. mobile number, or, for small businesses, a Zelle tag. Payments between enrolled users typically arrive within minutes. Wells Fargo does not charge a fee to send or receive money with Zelle; account fees and carrier charges may apply.

• Collect Customer Payments
  Accept customer payments digitally through Zelle.
• Pay Your Suppliers
  Send payments to enrolled suppliers.
• Issue Reimbursements
  Send reimbursements from a business account to enrolled recipients.
• Receive Payments Within Minutes
  Access incoming payments quickly when they arrive as expected.
• Manage Payments Digitally
  Send and receive money through Wells Fargo digital banking channels.
• Request Payments
  Request money through Wells Fargo digital banking channels.
• Send Up To $60,000 In 30 Days
  Send within applicable daily and monthly limits, which may vary.
• Use A Zelle Tag
  Use a linked Zelle tag as an identifier for sending and receiving money.
• Schedule Future Payments
  Arrange future or recurring payments to enrolled users.
• Send And Receive Without A Zelle Fee
  Avoid a Wells Fargo Zelle transaction fee; other account or carrier charges may apply.

Commercial financing

Wells Fargo offers commercial financing solutions, including asset-based lending, floor plan financing, commercial loans and lines of credit, equipment financing, renewable energy and environmental finance, global receivables and trade finance, and strategic capital. Options include loans, lines of credit, leases, and equity and debt products to support operations, growth, working capital, and strategic priorities.

Category: Business Loans

• Support Day-To-Day Operations
  Use financing to support ongoing business operations.
• Fund Growth And Priorities
  Explore lending for expansion, working capital, and strategic needs.
• Access Secured Financing
  Explore asset-based lending, including junior and senior secured financing.
• Finance Equipment Needs
  Explore loans and leases for equipment needs.
• Keep Inventory Moving
  Support inventory flow through the distribution channel.
• Manage Trade And Receivables
  Choose from trade and receivables products, including factoring.
• Access Equity And Debt Capital
  Explore capital solutions using equity and debt products.
• Optimize Payments And Liquidity
  Use treasury tools to support payments, visibility, liquidity, and working capital.
• Finance Energy Projects
  Explore tax-equity financing for specified energy projects.

Global Payments and Liquidity

Treasury management solutions for commercial businesses, with tools for day-to-day operations and future growth. The offering helps businesses strengthen payments, improve visibility, support working capital, optimize cash flow and liquidity, and mitigate financial risk.

• Optimize Cash Flow And Liquidity
  Manage cash flow and liquidity through treasury solutions.
• Strengthen Payment Operations
  Support commercial payment operations with business-focused tools.
• Improve Liquidity Visibility
  Gain visibility into liquidity to support cash management.
• Support Working Capital
  Support working capital for operations and growth.
• Mitigate Financial Risk
  Use treasury management solutions to help mitigate financial risk.

Dedicated financial advisor

Wells Fargo Advisors provides a one-on-one relationship with a dedicated Financial Advisor, offering personalized investment planning and advice. Customers can call or schedule a consultation to get started.

• Work Directly With A Dedicated Advisor
  Build a one-on-one relationship with a dedicated Financial Advisor.
• Plan Investments Around Your Needs
  Discuss investing and receive planning and advice tailored to you.

Solutions Advisors

Solutions Advisors is a financial advisor team that provides investment guidance and goal-based planning.

• Plan Around Your Goals
  Receive financial planning centered on your goals.
• Get Investment Guidance
  Access investment guidance from the Solutions Financial Advisor Team.

Intuitive Investor®

An automated investing service from Wells Fargo Advisors that provides a low-cost investment portfolio. Customers can begin investing with $500 and open an account online. Eligible Wells Fargo Prime Checking and Premier Checking customers receive a discount on the advisory fee.

• Invest With An Automated Portfolio
  Invest in a portfolio managed through an automated service.
• Keep Investing Costs Low
  Invest through a portfolio described as low cost.
• Start Investing With $500
  Begin investing with the stated $500 amount.
• Open An Account Online
  Start an automated investing account online.
• Reduce Your Advisory Fee
  Eligible checking customers receive the stated advisory fee discount.

WellsTrade

WellsTrade is a self-directed online brokerage account offered through Wells Fargo Clearing Services, LLC. It provides hands-on control for customers managing their own investments and advertises $0 commissions for online stock and ETF trades; other fees and commissions may apply. It supports standard investment accounts, Traditional, Roth, and SEP IRAs, and Coverdell Education Savings Accounts. Eligible balances may count toward qualifying Prime Checking and Premier Checking balances.

• Manage Your Own Investments
  Use a self-directed brokerage account to manage investments.
• Trade Stocks And ETFs Online For $0
  Place online stock and ETF trades with $0 commissions, subject to other fees.
• Choose From Multiple Retirement Account Types
  Choose from supported IRA and education savings account types, with eligible transfer and rollover options.
• Count Eligible Balances Toward Checking Qualifications
  Eligible investment balances may count toward linked checking qualifications.

Private Wealth

An exclusive, personalized service and product offering for qualifying Wealth & Investment Management clients, including high-net-worth individuals, families, and institutions. Specialists work with clients’ advisors to tailor services and strategies. Offerings include wealth planning, portfolio management, trust and estate services, family office services, philanthropic services, family wealth and culture services, specialty asset management, private banking, and outsourced chief investment officer services.

• Plan Around Wealth Goals
  Use wealth planning tailored to client needs.
• Coordinate Tailored Wealth Strategies
  Coordinate with specialists and an advisor to tailor services.
• Access Portfolio Management
  Include portfolio management among tailored services.
• Address Trust And Estate Needs
  Access trust and estate services tailored to client needs.
• Connect Personal And Business Goals
  Bring personal and business goals together.
• Address Family Office Needs
  Access family office services within the offering.
• Access Private Banking
  Access private banking as part of the offering.
• Address Family Wealth And Culture
  Access services focused on family wealth and culture.
• Access Outsourced Investment Leadership
  Access an outsourced chief investment officer service.
• Access Specialty Asset Management
  Include specialty asset management among tailored services.
• Access Philanthropic Services
  Include philanthropic services in tailored solutions.