Wells Fargo Optimize Business Checking Account
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Wells Fargo Optimize Business Checking Account
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| Community Rating |
Rating not yet determined |
| Monthly Fee | $75 |
| ATM Fee: Out-of-Network | N/A |
| Minimum Balance to Avoid Monthly Fee | N/A |
| APY (Annual Percentage Yield) | N/A |
Wells Fargo Optimize Business Checking Account Review
Wells Fargo Optimize Business Checking Account is offered by Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Wells Fargo Optimize 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 $75.
- Bill pay. Pay your bills to practically anyone in the United States through Wells Fargo Bank.
Wells Fargo Optimize Business Checking Account Pros & Cons
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Wells Fargo Optimize 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 Optimize Business Checking Account offer?
Wells Fargo Optimize Business Checking Account is not an interest bearing account.What are the account minimums for Wells Fargo Optimize Business Checking Account?
Wells Fargo Optimize Business Checking Account requires a minimum initial deposit of $25 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $25 |
What fees does Wells Fargo Optimize Business Checking Account charge?
This account charges a monthly maintenance fee of $75.
| Description | |
|---|---|
| ATM Fee: In-Network | $0 |
| Check Cashing Fee | $7.50 |
| Check Image Service | $2 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Monthly Fee | $75 |
| 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 Optimize 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 Optimize 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 Optimize 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
Contact
- Headquarters
-
420 Montgomery Street
San Francisco, CA 94104 - Visit Site
- Email Support
Other Services by Wells Fargo Bank
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
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