{"account":{"slug":"wells-fargo-business-checking","bank":"Wells Fargo","name":"Business Checking (Initiate / Navigate / Optimize)"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.wellsfargo.com/biz/checking/","history":[{"date":"2026-06-11","apy":"None on Initiate; Navigate earns interest; Optimize earns an earnings allowance","monthlyFee":"$15 / $25 / $75; Initiate and Navigate waivable","minimumOpen":"$25","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-09-04","apy":"None on Initiate; Navigate earns interest; Optimize earns an earnings allowance","monthlyFee":"$15 / $25 / $75; Initiate and Navigate waivable, including eligible owner relationship paths","minimumOpen":"$25 for Initiate and Navigate","atm":"Fee-free at 11,000+ Wells Fargo ATMs","note":"Reconfirmed fees, waiver paths, transaction allowances, cash-deposit allowances, and Optimize treasury features","sourceUrl":"https://www.wellsfargo.com/biz/checking/","sourceLabel":"Wells Fargo business checking comparison and fee summaries"},{"date":"2026-10-23","apy":"Initiate pays no interest; Navigate is interest-bearing (current APY unverified); Optimize offers an earnings allowance","monthlyFee":"$15 / $25 / $75; Initiate and Navigate have waiver options","minimumOpen":"$25","atm":"Wells Fargo withdrawals: $0. Other U.S./territory ATMs: $3, with the first two waived on Navigate or within an Optimize billing relationship each period. Outside the U.S.: $5. Operator charges may apply.","note":"Verified current fees and waiver paths, activity charges, earnings allowance, wire benefits and opening requirements. Corrected outside-ATM fee and added explicit numeric-APY uncertainty.","sourceUrl":"https://www.wellsfargo.com/biz/checking/","sourceLabel":"Wells Fargo tier pages, fee summaries, account schedule and addenda"}],"verificationEvents":[{"id":"46a2a0ce-b1a7-4ab0-9d12-41ac71b7d7fb","entityType":"bank-account","slug":"wells-fargo-business-checking","checkedAt":"2026-10-23T16:18:30.944Z","recordedAt":"2026-10-23T16:18:30.945Z","sourceUrl":"https://www.wellsfargo.com/biz/checking/","sourceLabel":"Wells Fargo business tier pages, fee schedules and current addenda","outcome":"changed","summary":"Verified tier fees, waivers, activity limits and opening requirements; corrected ATM costs, clarified Optimize charges, added cost comparison and FAQs. Navigate numeric APY unavailable and explicitly unverified.","changedFields":["plans","apy","atm","features","sections","editorialReview","relatedAccountSlugs","lastVerified"],"facts":{"monthlyFees":[15,25,75],"nonWellsDomesticATMFee":3,"numericNavigateApyVerified":false,"reviewedAddenda":"Wire fees effective August 8, 2026; December posting changes treated as future"},"previousHash":"3856503d74d60f9e1aa263c1001acde9ee0a3686a49b0ba560805917c4500fe9","recordHash":"bc802bb4854517fae50381a2a823bdd7c8abcc5acf2b43a1c699b1463c79d760"},{"id":"5c95cc86-dcd4-4b66-a393-f55d4e99805f","entityType":"bank-account","slug":"wells-fargo-business-checking","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:58:53.308Z","sourceUrl":"https://www.wellsfargo.com/biz/checking/","sourceLabel":"Wells Fargo business checking comparison and fee summaries","outcome":"changed","summary":"Reconfirmed all three tiers and added current owner-relationship waiver paths and transaction-count definitions","changedFields":["plans","features","termHistory","lastVerified"],"facts":{"monthlyFees":"$15 / $25 / $75","freeTransactions":"100 / 250 / 250","minimumOpen":"$25"},"previousHash":"8a7bcb78834f32650fb6f9f8d3d972a932e0ba3880082ed5aaf91ed8ea796e47","recordHash":"af2e322c92ab71afc4f808e208bdc3a95efa7fac06c6b007e14fc1c2d6086f89"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}