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  Wells Fargo Navigate Business Checking Account
Wells Fargo Navigate Business Checking Account Unaffiliated

Wells Fargo Navigate Business Checking Account

Unaffiliated
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
0 users are unsure
1 user doesn't recommend
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Monthly Fee $0 - $25
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee Starting at $10,000
APY (Annual Percentage Yield) Starting at 0.01%

Wells Fargo Navigate Business Checking Account Review

Wells Fargo Navigate Business Checking Account is offered by Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Wells Fargo Navigate Business Checking Account is available in 50 states (and Washington, DC).

Key Takeaways

  • Charges a monthly fee. This account charges a monthly service fee of up to $25, but the fee is waived if you keep a minimum balance of $10,000.
  • Bill pay. Pay your bills to practically anyone in the United States through Wells Fargo Bank.

Wells Fargo Navigate Business Checking Account Pros & Cons

Pros Cons
  • Available in all 50 states.
  • Access to physical branches.
  • Free debit card and the option to lock/unlock the card if lost or stolen
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not earn interest.
  • Higher than average wire transfer fees.
  • Monthly service charge.

Wells Fargo Navigate Business Checking Account FAQ

Are business checking accounts from Wells Fargo Bank federally insured?

Yes, this account is insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Wells Fargo Navigate Business Checking Account offer?

Wells Fargo Navigate Business Checking Account offers an APY starting at 0.01% (APY stands for annual percentage yield, rates may change).

Wells Fargo Navigate Business Checking Account Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.01%

What are the account minimums for Wells Fargo Navigate Business Checking Account?

Wells Fargo Navigate Business Checking Account requires a minimum initial deposit of $25 to open an account.

Wells Fargo Navigate Business Checking Account Account Minimums
Description Amount
Minimum Initial Deposit $25
Minimum Combined Balance to Avoid Monthly Fee $15,000
Minimum Balance to Avoid Monthly Fee $10,000

What fees does Wells Fargo Navigate Business Checking Account charge?

This account charges a monthly maintenance fee of up to $25.

Wells Fargo Navigate Business Checking Account Fees
Description
ATM Fee: In-Network 0
Check Cashing Fee 7.5
Check Image Service 2
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $25
NSF Fee 35
Online Bill Pay Fee $0
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $12.50
Paper Statement Fee 0
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) 30
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) 45

What features and perks does Wells Fargo Navigate Business Checking Account offer?

This account includes the following features:

  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - Wells Fargo Navigate Business Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Wells Fargo Navigate Business Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Message From Wells Fargo Bank

For the evolving business owner adapting to changing dynamics, Navigate Business Checking can help keep you moving forward. Premium benefits to reward your banking relationship. Secure, easy-to-use options to make and receive payments. Higher levels of no-fee transactions and cash deposits. Best For, Evolving business owners adjusting to changes. Increased financial activity. Relationship-based benefits.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Wells Fargo Bank

Icon for Business Checking Accounts
View all business checking accounts offered by Wells Fargo Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Balance to Avoid Monthly Fee Starting at $10,000
Minimum Combined Balance to Avoid Monthly Fee 15,000
Minimum Opening Deposit Starting at $25
ATM Fee: In-Network 0
Online Bill Pay Fee $0
Paper Statement Fee 0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Cashing Fee 7.5
Check Image Service 2
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $25
NSF Fee 35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $12.50
Returned Deposit Fee (Domestic) $12
Returned Deposit Fee (International) $12
Wire Transfer Fee - Domestic (Outgoing) 30
Wire Transfer Fee - International (Outgoing) 45
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Business Formation Documents
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • Fraud Protection
  • Debit Card
  • Branch Access
  • Member FDIC
  • Expense Management
APY (Annual Percentage Yield) Starting at 0.01%

Wells Fargo Navigate Business Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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