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Business Choice Checking

A guide to your common checking account fees
At Wells Fargo we are committed to providing the information you need to help manage your account.
We developed this summary to help you understand some of the most common fees that may apply to
your checking account. For a complete listing of fees and more detailed account information, please see
the Wells Fargo Business Account Fee and Information Schedule and Deposit Account Agreement.

Monthly service fee

Monthly service fee $14
Options to avoid the $0 monthly service fee on your Business Choice Checking account with one of the following
monthly service fee each fee period:
(minimum opening
• Maintain a $7,500 average ledger balance, OR
deposit $25)
• $10,000 in combined business balances (checking, savings, time accounts and credit), OR
• Linked to a Direct Pay service through Wells Fargo Business Online®, OR
• Qualifying transaction from a linked Wells Fargo Merchant Services account, OR
• Qualifying transaction from a linked Wells Fargo Business Payroll Services account, OR
• 10 or more posted debit card transactions (any combination of posted debit card
purchases or posted debit card payments of bills) from this checking account.
- Included: Debit card purchases made using PIN, signature, online, phone or mobile
wallet; one-time and recurring debit card payments.
- Not Included: Any transaction at an ATM (Wells Fargo or non-Wells Fargo); Automated
Clearing House (ACH) transactions.
Note: Refer to the Business Account Fee and Information Schedule for details.

Account transaction fees

Transactions First 200 total transactions per month – No charge. Over 200 total transactions per month
– $0.50 each.
• The defnition of “Transactions” refers to any combination of deposits, paid items and
deposited items, including paper and electronic items.
Transactions do not include purchases and payments made using a Wells Fargo Business
Debit Card or Wells Fargo Business ATM Card, Business Bill Pay, Direct Pay payments
made through Wells Fargo Business Online, Wells Fargo Merchant Services transactions or
Wells Fargo Business Payroll Services transactions.
Cash deposited • First $7,500 per month – No charge
• Over $7,500 per month – $0.30 per $100 deposited

ATM fees
Cash withdrawal at $0
Wells Fargo ATMs
Cash withdrawal at $2.50 per withdrawal
non-Wells Fargo Note: Fees charged by non-Wells Fargo ATM owner/operator also apply.
ATMs in the U.S.
Cash withdrawal $5 per withdrawal
at non-Wells Fargo Note: Fees charged by non-Wells Fargo ATM owner/operator also apply.
ATMs outside of the
U.S.
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Business Choice Checking

Overdraft services fees
Overdraft and $35 per item
returned item Note:
(Non-Sufcient
• No more than eight overdraft and/or returned item fees per business day
Funds/NSF) fee1
• No overdraft or returned item fees on items of $5 or less
• No overdraft fees if both your ending daily account balance and available balance are
overdrawn by $5 or less and there are no items returned for non-sufcient funds after
we have processed all of your transactions
• No extended or continuous overdraft fee

Overdraft Protection $12.50 per transfer from your linked savings account
Transfer or Advance Note: Overdraft Protection transfers from a savings account count toward the Regulation
Fee – when you are D and Wells Fargo combined total limit of six transfers and withdrawals per monthly fee
enrolled we will period. If the limit is exceeded, an excess activity fee for each transfer or withdrawal over
transfer/advance the limit will be assessed. If the limit is exceeded on more than an occasional basis, your
available funds from savings account could be converted to a checking account.
your account(s)
linked for Overdraft For transfers from a credit account – See your credit account agreement.
Protection

Debit Card Overdraft Service

Eligible business accounts include Debit Card Overdraft Service. With Debit Card Overdraft Service, ATM and
everyday (one-time) debit card transactions may be approved into overdraft at the bank’s discretion and an overdraft
fee may apply unless a covering transfer or deposit is made before the posted cutof time on the same business day
(subject to the bank’s funds availability policy). See “Overdraft services fees” for detail.
You have the option to remove Debit Card Overdraft Service at any time. Without Debit Card Overdraft Service,
ATM and everyday (one-time) debit card transactions will be declined if there isn’t enough money in your checking
account (or in accounts linked for Overdraft Protection), and there are no fees for declined transactions.

How deposits and withdrawals are processed

Posting order – the Transactions are generally posted each business day in this order:
order your deposits • First – deposits or incoming transfers received before the deposit cutof time that day
and withdrawals are
processed
• Second – your withdrawals/payments that have been previously authorized and cannot
be returned unpaid, such as debit card purchases and ATM withdrawals. Transactions
generally are sorted by date and time the transaction was conducted or for some
transactions the time assigned by our system; if date and time are the same, we post
lowest to highest dollar amount.
• Third – checks and preauthorized automatic payments (ACH) by date and time received by
the Bank, and if date and time are the same, we post from lowest to highest dollar amount.
Deposit availability – Cash deposits: same business day
when your deposits
will be made Electronic direct deposits/incoming wire transfers: same business day
available Check deposits: Funds are generally available on the frst business day after the day we
receive your deposits. For check deposits made at a Wells Fargo location or ATM, up to
$400 of the deposits may be available on the day of the deposits.
If we place a hold on a check, the frst $200 will be available on the next business day. The
remaining balance will be available no later than the seventh business day after the day of
your deposit. We will notify you of the hold and when the funds will be made available to you.
Note: Deposits made before the posted cutof time at a branch, Wells Fargo ATM, or through
Mobile Banking will be processed that day. Deposits made after the cutof time are treated as
made on the next business day.
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Business Choice Checking

Other common fees
Access to Wells Fargo $0
Business Online with
Bill Pay
Cashier’s check $10 each
Cashed/Deposited $12 per item – for items returned unpaid to Wells Fargo for any reason
returned item
Check printing Varies
Excess activity fee $15 per withdrawal or transfer – if you exceed the Regulation D and Wells Fargo
(applied to savings combined total limit of six withdrawals and transfers from your savings account
accounts) per monthly fee period (maximum three fees per monthly fee period)
International debit 3% of transaction amount
card purchase
transaction fee
Online bank $0
statement
Online check image $0
– image of checks
you’ve written
Stop Payment $31 each
Wire Transfer $15 for incoming domestic/internal transfer
$30 for outgoing domestic/internal transfer

Dispute resolution
If you have a dispute, we want to resolve it as quickly and easily as possible. First, discuss your dispute with a banker.
If your banker is unable to resolve your dispute, you agree that either Wells Fargo or you can initiate arbitration. The
arbitration process is further detailed in the “Resolving disputes through arbitration” section of the Deposit Account
Agreement. If a claim is eligible to be resolved in small claims court, you may pursue the claim in small claims court.

1
Our overdraft fee applies whether the overdraft is by check, electronic payment, everyday debit card or ATM transaction (if applicable), or other means.
The payment of transactions into overdraft is discretionary and the Bank reserves the right not to pay. For example, the Bank typically does not pay
overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

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