{"account":{"slug":"wells-fargo-business-checking","bank":"Wells Fargo","name":"Business Checking (Initiate / Navigate / Optimize)"},"status":"recent","lastVerified":"2026-09-04","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"}],"verificationEvents":[{"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"}