Press escape to close or press tab to navigate to available options. Your account safety has been a top priority for 160 years. You can change the checking or savings product by visiting your local Wells Fargo branch, or if you prefer, you can call our National Business Banking Center at 1-800-225-5935. Your mobile carrier's message and data rates may apply. To learn more, view our Wires FAQs. Withdrawals made within seven days of account opening including the day the account was opened. See the Consumer Account Fee and Information Schedule and Deposit Account Agreement for additional consumer account information. You can also visit a branch or call our National Business Banking Center at 1-800-225-5935. 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. Early withdrawal(s) may be subject to either the Regulation D Penalty or the early withdrawal penalty. Accrued interest is considered to be earned and will be paid only when the total interest accrued reaches $0.01 or more. In addition, the Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period.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 maintain minimum or average balance requirements and dont exceed account transaction limits, it is possible to avoid paying certain fees on some of our business checking and savings accounts. Ask your banker to reactivate your account. See additional details in the Wells Fargo CD rate and penalty disclosures below. Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. Some exceptions may apply. 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 isnt 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. Some exceptions may apply. If your term is: See the Business Account Fee and Information Schedule and Deposit Account Agreement for additional business account information. CD rates are subject to change at any time and are not guaranteed until the CD is opened. 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.. Interest is compounded daily. Review your statements for automatic transactions and cancel them by contacting the merchant(s). For more information, view the Wells Fargo Wire Transfers Terms and Conditions. Special Interest Rates are applicable to initial term only. A fictitious name statement or similar document is required if you are doing business using another name. 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. Your account statement will include the APY earned on your savings accounts and interest-earning checking accounts for the period covered by the statement. Seleccione el enlace si desea ver otro contenido en espaol. NMLSR ID 399801. The online tool My Savings Plan helps savings customers plan, monitor, and save to reach financial goals. You can make a deposit using merchant card deposits, ACH credits, incoming wires, and mail. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. The Relationship Interest Rate is variable and subject to change at any time without notice, including setting the interest rate equal to the Standard Interest Rate or to zero (0.00%), which could change the Relationship Annual Percentage Yield (APY). Withdrawals made within seven days of account opening including the day the account was opened. Our products and services may vary by location, and a ZIP Code helps us provide accurate information. Find an ATM or banking location near you. This link takes you to an external website or app, which may have different privacy and security policies than U.S. Bank. Naveg a una pgina que no est disponible en espaol en este momento. When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee. We don't own or control the products, services or content found there. Withdrawals may be made at a non-Wells Fargo Bank ATM, by writing checks, ACH debits, or outgoing wires (additional fees may apply). Selecione Cancele para permanecer en esta pgina o Contine para ver nuestra pgina principal en espaol. Availability may be affected by your mobile carrier's coverage area. Online investing - Offered by U.S. Bancorp Investments, Find a financial advisor or wealth specialist. You may pay an early withdrawal penalty or a Regulation D penalty if you withdraw funds from your account before the term is complete. If we pay the item into overdraft an overdraft fee may be assessed.

90 through 365 days (or 3-12 months), the penalty is 3 months' interest, Over 12 months through 24 months, the penalty is 6 months' interest, or. Yes. Over 24 months, the penalty is 12 months' interest. All deposits, outstanding and pending items are posted. Please visit your nearest Wells Fargo branch or call our National Business Banking Center at 1-800-225-5935 and we can help you with your request. Withdrawals within seven days of any prior withdrawal where the Bank's early withdrawal penalty is not applied. 90 to 365 days (or 3-12 months), the penalty is 3 months' interest, Over 12 months through 24 months, the penalty is 6 months' interest, or. Please enter a valid zip code to see products available for your area, Business Savings Accounts and Time Accounts (CDs). Current Deposit Rates for 07/16/2022 - 07/22/2022 See Wells Fargos Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations. Agents can help you Monday through Friday, 5 am - 7:30 pm, Pacific Time, and Saturday, 5 am - 4 pm, Pacific Time. 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. For existing accountholders or questions: Consumer Account Fee and Information Schedule and Deposit Account Agreement, Higher rates may be available with a Relationship Interest Rate. Seleccione el enlace si desea ver otro contenido en espaol. For CDs, interest begins to accrue on the business day you deposit non-cash items, such as checks. Or, you can sign on to Online Banking to see if you have the option to reactivate your account online. Over 24 months, the penalty is 12 months' interest. Payment of interest on CDs is based on term: For terms of 12 months or more, interest may be paid monthly, quarterly, semi-annually, or annually. A Wells Fargo CD (also known as a Certificate of Deposit or a Time Account) provides a guaranteed rate of return, even during uncertain times. It offers fixed interest rates with flexible terms, along with the security of FDIC insurance. We reserve the right to determine through our sole discretion if a particular transaction is a qualifying transaction. Your mobile carrier's message and data rates may apply. Earn a guaranteed rate of interest for the term you select. Our products and services may vary by location, and a ZIP Code helps us provide accurate information. Access articles, tips, and videos to help you grow your business. We continue to work to help protect your financial information. You must promptly bring your account to a positive balance. Any Special Interest Rate would not expire until the expiration date of that Special Interest Rate. Earn higher rates when you save for the long term. 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. Interest is compounded daily and paid monthly. The Regulation D Penalty is seven days' simple interest on the amount withdrawn and applies to: Other than the Regulation D penalty described above, any money withdrawn from the CD before the end of its term will be subject to an early withdrawal penalty based on the length of the CD term. 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 (. 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. We appreciate your business, but if you need or want to close your account, the information provided will assist you in completing your request. Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance. Wells Fargo's Business Time Account, also known as a CD, is designed for business owners with cash reserves that can be held for a specified length of time. End of pop up window. Less than 90 days (or less than 3 months), the penalty is 1 month's interest. You can apply for all accounts over the phone or in a local branch.

You can also order photocopies of bank statements by calling the National Business Banking Center at 1-800-225-5935. There are a number of reasons you may want to open a CD: You can withdraw your funds early if you need to, but you may be assessed an early withdrawal penalty or a Regulation D penalty. Existing Wells Fargo checking and savings customers can open accounts in any state.

Less than 90 days (or less than 3 months), the penalty is 1 month's interest. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. Give us a call at 1-800-416-8658 for more information. Annual Percentage Yields (APYs) and Interest Rates shown are offered on accounts accepted by the Bank and effective for the dates shown above, unless otherwise noted.