wells fargo small business banking

Compare the different basic business checking accounts offered by the top U.S. banks. Bank of America; Wells Fargo; Citi; Capital One. (if we have a business left to move). Step up, speed it up. If small banks can get the drop on Wells Fargo there is a big problem. 2 yrs Report. Wells Fargo has hired a longtime Bank of America executive to head up its small-business banking division. Derek Ellington, who will start.

: Wells fargo small business banking

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Wells fargo small business banking

Final Verdict

From sign-up bonuses to easy cash deposits, business bank account features can vary greatly. Consider all the characteristics before choosing where to bank.

Whatever perk or feature most matters to you, having the right business bank account is crucial to your business. This account is where your deposits are made and expenses are paid.

And, as your business continues to grow, it makes sense to re-evaluate your business bank account each year. Pay attention to the transaction limits, fees, restrictions, and benefits to ensure that yesterday's account is the right one for your business today—and tomorrow, as well.

Compare Providers

Business Bank Accounts FAQs

What Is a Business Bank Account?

Tioga state bank newfield business bank account is a checking account set up specifically for business incomes and outflows, allowing individuals to keep their professional financial affairs and transactions separate from their personal ones. Business accounts often provide wells fargo small business banking that are uncommon for individual accounts. These features include initiating wires or ACH payments, delegating account authority/privileges to other parties (like an employee or accountant), and cash management tools like positive pay.

What Is the Difference Between a Business Bank Account and a Personal Bank Account?

Although business bank accounts and personal bank accounts are similar in many ways, the do have their differences. A business bank account has more requirements to open than a personal account.

Fees and required balances also tend to be higher for business bank accounts, while interest rates are lower. Business bank accounts usually allow a limited number of transactions before the bank charges additional fees.

Since a business bank account represents the business and not a person, authorized signers can be added or removed at any time without needing to close the account.

What Do You Need to Open a Business Bank Account?

Requirements to open a business bank account vary by the financial institution. However, most banks require the following:

  • Employer Identification Number (EIN) or Social Security Number for sole proprietors
  • Business formation documents
  • Ownership agreements
  • Business license

Account signers need to bring their personal identification to open the account. Most www prudential com online retirement com require an initial deposit to fund the wells fargo small business banking when it is opened; the minimum opening deposit requirements vary by the bank—and can be a key factor, along with ongoing minimum account balances, to consider when choosing one.

Can I Open a Business Bank Account Wells fargo small business banking

Yes, there are many banks that allow you to open an account online in just a few minutes. Several of these banks are mentioned above. To open your business bank account online, the bank will require all of the same paperwork as if you opened the account in person.

Can I Use My Personal Bank Account for My Small Business?

You can use tioga state bank newfield personal bank account for a small business, like a sole proprietorship. However, it is best not to. Having a dedicated bank account for your business allows you to keep your business deposits and expenses separate from personal transactions. This is very important when it comes to filing taxes.

Do I Need a Business Account If I'm Self-employed?

You do not need a separate business account if you are operating your business under your own name. However, it is recommended that you have a dedicated, separate bank account to make wells fargo small business banking easier to track business revenue and expenses.

If you are operating your sole proprietorship under a fictitious business name or as a separate legal entity (e.g. C-Corp, S-Corp, LLC), then you need to have a separate business bank account.

Is It Legal to Transfer Money From a Business Account to a Personal Bank Account?

Yes, it is legal to transfer money from a business account to a personal account. However, if you have partners or shareholders in your company, it is not advisable to make such a transfer without their written consent. All transactions into and out of a business account should be documented for good recordkeeping, tax purposes, and in case of an audit.

Some banks allow you (and, like Chase, even encourage you) to link your personal and business accounts. Depending upon the legal structure of your business, some banks even allow your business and personal accounts to be viewed on the same online banking screen. This makes transfers between accounts simple and quick.

Methodology

Research for this article encompassed business bank accounts from across the U.S. We evaluated the benefits offered, transaction limits, fees charged, and customer service of each business bank account reviewed to determine the "best of" designation for each category.

Источник: https://www.investopedia.com/best-small-business-bank-accounts-4797849

Truist Small Business

When determining your company’s financial health and profitability, there are more factors to consider than total earnings. Operating cash flow, or OCF, can be just as important—it measures the actual cash your business generates from the sale of a product or service, after deducting operating costs.

Make $100,000 in sales last month? That’s what you’ll record on your income statement as revenue. But what if you’ve only been paid for half of those sales? Last month’s sales dollars will be on the books as $50,000.

Then, some items (like depreciation of supplies) count as a net expense. So it’s possible for your business to have a net loss, but positive cash flow. Want a more accurate view of your business’s financials? Make sure you’re looking at operating cash flow.

Ready to maximize your cash flow?

Contact your local Truist banker for more information on business solutions, or visit Truist.com.

Источник: https://www.truist.com/small-business
Twitter: @WellsFargo.

Cautionary Statement about Forward-Looking Statements

This news release contains forward-looking statements about our future financial performance and business. Because forward-looking statements are based on our current expectations and assumptions regarding the future, they are subject to inherent risks and uncertainties. Do not unduly rely on forward-looking statements as actual results could differ materially from expectations. Forward-looking statements speak only as of the date made, and we do not undertake to update them to reflect changes or events that occur after that date. For information about factors that could cause actual results to differ materially from our expectations, refer to our reports filed with the Securities and Exchange Commission, including the "Forward-Looking Statements" discussion in Wells Fargo’s most recent Quarterly Report on Form 10-Q as well as to Wells Fargo’s other reports filed with the Securities and Exchange Commission, including the discussion under "Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2018, available on its website at wells fargo small business banking Release Category: WF-SB

View source version on businesswire.com: https://www.businesswire.com/news/home/20210722005911/en/

Contacts

Media
Allison Vail, 704-770-8374
[email protected]

Источник: https://www.yahoo.com/now/wells-fargo-names-derek-ellington-190000489.html
Business & SBA Loans, Grants & Invoice Factoring Articles & Information
Last updated on August 25, 2021

Looking for a small business line of credit for your company? Typically, small business owners turn to the big banks to get, for example, a Wells Fargo Business Line of Credit.

Before jumping in, knowing what a bank looks for in the approval process can save a borrower a lot of time and headaches. After building seven companies in 25+ years and dealing with many banks, I have learned how to increase your chances of getting approved. Here is what I have learned and some other financing alternatives to consider.

What Will the Wells Fargo Business Line of Credit Process Be Like?

A small business line of credit is important for a small business to have since it’s a predetermined amount of money your company has access to that you can draw upon when needed.

It’s important to know that although the Wells Fargo personal line of credit is no longer offered, and Wells Fargo factoring options don’t exist, businesses can still apply for a lineWells fargo business line of credit of credit from Wells Fargo. The first step in the process of getting a Wells Fargo Small Business Line of Credit begins with a lengthy application. The Wells Fargo loan application asks numerous questions related to both your business and personal assets. It will likely take you a week or two to complete the application. While you may think the Wells Fargo business loan process is tedious, the more information you provide, the better your chances are that you’ll be approved.

Next, after you submit your application, the bank will ask for more extensive backup documentation. For example, the lender wants to see your business and personal tax returns, business accounting reports, business agreements, and personal financial documentation. Usually, bank loan officers do not comment on approvability before a loan application and documentation have been submitted.

The initial application approval process takes at least 30-60 days, and even then, the bank may come back with additional requests. It will then take another 30-60 days to get the line of credit in place. The whole process takes 3-6 months just to secure a line of credit.

The business line of credit will be renewed annually—provided you submit updated documentation showing your business hasn’t changed. But don’t count on the renewal process being easy. The process and bank lending criteria may change based on the economy and your business status.

Collateral, Business/Personal Credit Score, and Personal Guarantees

Local and large banks that provide business loans, like Wells Fargo small business loans, look at three main criteria during the approval process.

Collateral

All banks require business and personal collateral to back up wells fargo small business banking business line of credit. This is called a secured line of credit.

Collateral is assets that can be resold so the bank can recoup any unpaid debt if the business defaults on the loan. Owned equipment, inventory, a portion of your accounts receivable are all examples of collateral. Examples of personal assets include stocks, bonds, cash, equity in your home, etc.

Wells Fargo and other banks may approve a secured business line of credit if you have collateral to back up the line.

Some banks might provide a small unsecured line of credit, but you must have an excellent credit score and a strong proven cash history with the bank.

Business/Personal Credit Score

All banks run business and personal credit reports to determine if you and your business meet their minimum requirements and if there are any significant issues.

The bank pulls a business credit report from companies like Dun and Bradstreet, which shows outstanding business debt, time to pay invoices, any court cases you were involved in, and any other unfavorable issues.

Most banks require a personal credit score of 700 or better unless you have significant collateral to back up the business line of credit. Www prudential com online retirement com will not consider credit scores of 650 or lower for a business line of credit or business loan. Most also require a business credit score of at least 75 (out of 100).

Banks will more than likely pull your credit report from Transunion, Experian, and/or Equifax. If you are unsure about your personal credit score, you can get a free credit report from Credit Karma.

Personal Guarantees

Unless your business has more than $10 million in annual sales, the bank requires you to make a personal guarantee (PG) on the credit line. In addition, if you have cosigner(s) on your home loan, they are also required to personally guarantee the credit line.

Other Areas Wells Fargo Will Be Looking At

Many other areas of your business and personal assets will be looked at before you get approved for a Wells Fargo credit line.

Uniform Commercial Code (UCC)

During the lending process, banks will pull a UCC on your company. The Uniform Commercial Code (UCC) “is a comprehensive set of laws governing all commercial transactions in the United States. It is not a federal law, but a uniformly adopted state law.”

The banks examine the UCCs looking for any liens against your assets. Many companies might have a UCC filed on your business without you realizing it. In addition, the bank wants to be in the first position, which means any past companies/banks/lenders’ UCC’s will have to be cleaned up. Even though many of these UCC’s will likely be old and no longer valid, this takes time to sort through.

Why Financing Solutions Business Line of Credit Might Be a Better Alternative

Financing Solutions provides unsecured business lines of credit up to $100,000 to small businesses.

The government does not fund Financing Solutions—we are a direct financing company. As such, we have much less stringent approval standards than banks. Financing Solutions was founded on the premise that there are many good small businesses that should be able to get a line of credit and pay it back.

Below are some highlights that will allow you to compare Financing Solutions to a commercial bank.

Highlights of a Financing Solutions Business Line of Credit:

  • Requires no collateral or personal guarantees
  • It costs nothing to get the line in place and nothing when it’s not in use
  • It can be paid off at any time—making it inexpensive
  • There’s a no-obligation 2-minute online application
  • Your credit line can be set up in 48-72 hours
  • Online secure wells fargo small business banking portal
  • We are A+ and 5-star rated by the BBB
  • You can talk to people who understand small businesses
  • The line of credit is a great cash backup plan for emergencies

Costs

Most banks charge an application fee and a yearly maintenance fee for their lines of credit. Since Financing Solutions does not charge these fees, it may mean that a Wells Fargo Business Line of Credit will cost you more overall than a Financing Solutions’ credit line depending on how much you intend to borrow from your line.

Having a Financing Solutions line of credit will not impact you applying for Wells Fargo business loans, so it may be a good idea to get the Financing Solutions’ line of credit in place while you apply elsewhere.

Reviewed or Audited Financials

Wells Fargo may require you to provide reviewed or audited financials from an accountant. This is in addition to the business’s regular tax preparation. These financials are more detailed and costly to prepare. If they’re not required at first, the bank may require more extensive financials during your yearly review.

Wells Fargo SBA Loans

Many businesses believe a Small Business Administration (SBA) Loan may be a good option for them. The SBA works with lenders like Wells Fargo to provide loans (like Wells Fargo commercial loans) to small businesses. The SBA agency doesn’t lend money directly to small business owners. Instead, it sets guidelines for loans made by partnering lenders, community development organizations, and micro-lending institutions. As a result, the SBA reduces the risk for lenders and makes it easier for them to access capital. That makes it easier for small businesses to get loans.

And while the SBA may end up being a good option, in the long run, the process takes more time. Plus, there are many restrictions and limitations (sometimes called covenants) to an SBA-guaranteed loan.

Conclusion

Applying for a Wells Fargo business credit line isn’t easy, and it takes a lot of time. Many business owners mistakenly believe their companies can very easily qualify for a business loan or line of credit—until they go through the process.

Finally, if you think you will use your line of credit often, then it is likely worth going through the process with an established bank like Wells Fargo. However, if the line of credit is something you plan to use more as a cash backup plan, then Financing Solutions is a great alternative.

Fill out our simple, 2-minute, no-obligation Business Line of Credit online application. No docs are required, and you’ll get a free quote to consider.

 

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Источник: https://financingsolutionsnow.com/wells-fargo-business-line-of-credit/

Best Banks for Small Businesses

Our editors independently research and recommend the best products and services. You can learn more about our independent review process and partners in our advertiser disclosure. We may receive commissions on purchases made from our chosen links.

If you run a small business, a bank account isn’t an option, it's a requirement. Every business should have its own dedicated checking account, and possibly savings, credit cards, and other accounts, to keep cash safe and build a financial record for the business.

But don’t just head to the closest bank and think they will offer the best deal or even all of the features you need in a small business bank. It is important to do research to choose the best bank for your unique business needs. When reviewing accounts, consider some of these features, which may or may not matter for your business: cash deposits, mobile check deposits, free ATMs, keeping all accounts at one bank, interest-bearing checking accounts and in-person customer service.

And while keeping in mind that business bank accounts tend to charge higher fees than personal accounts, you should still seriously consider the costs of a bank account. Major fees for business bank accounts include monthly account fees, excess transaction fees and excess cash deposit fees.

Because every business is different, there is no perfect account for small businesses. Some small businesses may be happy with an online-only bank that does not charge any monthly fees. Other businesses care more about frequent cash deposits and will never need to deposit a check from their phone.

The only universal desire in small business bank accounts is low fees, so be on the lookout for fees that you may be charged unless you meet specific criteria to avoid them.

Now that we have all that out of the way, let's take a look at the best banks for small businesses.

Best Banks for Small Businesses in 2021

  • Best Overall: Chase
  • Best for Online-Only Checking: Axos Bank
  • Best Credit Union: Navy Federal Credit Union
  • Best for Number of Branches: Wells Fargo
  • Best for Business Analysis: M&T Bank
  • Best Fee-Free Brick-And-Mortar Checking: US Bank

Best Overall: Chase


If you want the traditional bank experience, Chase is your best option as a small-business owner. Chase has locations around the country, offers business checking with no fee as long as you maintain a $2,000 minimum balance, plus one of the best online banking and mobile banking systems available.

Chase is also a great bank for business credit cards. Chase Ink Business Preferred, for example, offers high-value rewards you can use toward free and discounted travel. If you have your checking and savings accounts at the same place, it is easier to manage everything with one online banking login.

In summary, Chase takes the top spot because it offers everything your business might need, lots of locations, and options to dodge monthly service fees. Both small, solo businesses and brick-and-mortar businesses with many employees can easily find their needs met at Chase.

Best for Online-Only Checking: Axos Bank


While Capital One put its Spark Business Checking on hiatus, Axos Bank jumped up to claim the spot for the best online checking account that is currently available for small businesses. Uk phone country code from usa Bank opened in 2000 and was a pioneer of online-only banking in the United States. The company has ample experience in providing banking services for both business and personal customers.

The Business Interest Checking account is free with a rather large $5,000 average daily balance, otherwise, you’ll pay a $10 monthly fee. The account includes up to 50 free items per month, so it is not ideal for the busiest businesses with a huge number of transactions or a smaller business that keeps a low daily balance. But it does offer interest, currently 0.80 percent, and great online and mobile banking options.

Axos also offers a basic business checking account with wells fargo small business banking monthly fee, up to 200 free items per month and other goodies with no interest. Depending on your needs, this may be better than the Business Interest Checking account.

Axos also offers money market and savings accounts for businesses, CDs, and a full suite of cash management services. It’s pretty impressive for any bank, not just online banks. If you don’t need to work with cash but do need a serious bank, consider Axos Bank for your small business banking needs.

Best Credit Union: Navy Federal Credit Union


While it is not technically a bank, Navy Federal Credit Union offers top quality business banking services perfect for a wide range of small businesses. Those include business checking and savings, loans, credit cards, payment processing and even retirement and insurance for you and your employees.

Credit unions are not-for-profit entities. This means they tend to charge lower fees and offer higher interest rates on savings than for-profit banks.

To open a business bank account at Navy Federal, you’ll first need to become a business member. This requires you to join the credit union yourself as an individual first. You’ll also need a $250 opening deposit for sole proprietorships or $255 for business entities to get started as a business member. Additionally, you already need to be a regular member of the credit union which requires a $5 deposit into a savings account.

Credit unions are typically geared more toward consumers than businesses​ but don’t overlook the big opportunity to save money with a business checking and savings account at a credit union.

Best for Number of Branches: Wells Fargo


Wells Fargo is a hugely popular bank, despite some recent bad PR. It is the largest Small Business Administration lender for SBA loans and has more branches than any other bank in the United States.

Wells Fargo offers four different business checking accounts. These accounts all have monthly fees, but you can avoid them with a minimum balance requirement in most cases. For the Initiate Business Checking Account, the minimum is $500 to avoid fees.

Because Wells fargo small business banking Fargo is so big, it offers virtually any service your business might need. That includes things like payroll, HR and business tax services. But you may pay more to get many of those services from Wells Fargo than some companies that specialize in those various services.

If your small businesses use a lot of cash, Wells Fargo is one of your best options. Not only can you deposit cash at the largest branch network, but you can also withdraw fee-free from its massive network of ATMs.

Best for Business Analysis: M&T Bank


If you live on the East Coast, consider M&T Bank for your small business banking needs. M&T has 700 branches in New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Washington, D.C., Virginia, West Virginia, Vermont, and Massachusetts. But M&T stands out for more than its branch network.

M&T Bank offers relationship managers who do more than offer you bank accounts and help you with customer service questions. These bankers review your business finances inside and out to help you better understand them and achieve best small business success.

M&T Bank is a top 10 SBA lender and offers a range of bank accounts. There are five checking options that may be a fit for most small businesses, plus specific accounts for medical and professional services industries. The biggest downside is that you need to maintain a big balance to avoid fees in most of those accounts. To avoid the $10 fee on the basic Simple Checking for Business account, you have to maintain a $2,500 average balance.

Best Fee-Free Brick-And-Mortar Checking: US Bank


US Bank isn’t quite as big as some of its competitors, but it still offers a large wells fargo small business banking of branches and ATMs around the United States. The biggest standout for small businesses is the Silver Business account, which offers checking with how old is john b monthly maintenance fee.

That account is great for smaller businesses with less than 150 transactions per month (you’ll pay .50 each for additional items). You can deposit up to 20 mobile checks each month with no fee and pay the same .50 for additional mobile deposits.

Like others on this list, US Bank offers additional services through a bundle including credit card processing, payroll servicing and invoicing. Other checking accounts have a higher number of free transactions, but require a large balance to avoid monthly services fees up to $25 per account.

Источник: https://www.thebalancesmb.com/best-banks-for-small-businesses-4169476
wells fargo small business banking

Wells fargo small business banking -

Final Verdict

From sign-up bonuses to easy cash deposits, business bank account features can vary greatly. Consider all the characteristics before choosing where to bank.

Whatever perk or feature most matters to you, having the right business bank account is crucial to your business. This account is where your deposits are made and expenses are paid.

And, as your business continues to grow, it makes sense to re-evaluate your business bank account each year. Pay attention to the transaction limits, fees, restrictions, and benefits to ensure that yesterday's account is the right one for your business today—and tomorrow, as well.

Compare Providers

Business Bank Accounts FAQs

What Is a Business Bank Account?

A business bank account is a checking account set up specifically for business incomes and outflows, allowing individuals to keep their professional financial affairs and transactions separate from their personal ones. Business accounts often provide features that are uncommon for individual accounts. These features include initiating wires or ACH payments, delegating account authority/privileges to other parties (like an employee or accountant), and cash management tools like positive pay.

What Is the Difference Between a Business Bank Account and a Personal Bank Account?

Although business bank accounts and personal bank accounts are similar in many ways, the do have their differences. A business bank account has more requirements to open than a personal account.

Fees and required balances also tend to be higher for business bank accounts, while interest rates are lower. Business bank accounts usually allow a limited number of transactions before the bank charges additional fees.

Since a business bank account represents the business and not a person, authorized signers can be added or removed at any time without needing to close the account.

What Do You Need to Open a Business Bank Account?

Requirements to open a business bank account vary by the financial institution. However, most banks require the following:

  • Employer Identification Number (EIN) or Social Security Number for sole proprietors
  • Business formation documents
  • Ownership agreements
  • Business license

Account signers need to bring their personal identification to open the account. Most banks require an initial deposit to fund the account when it is opened; the minimum opening deposit requirements vary by the bank—and can be a key factor, along with ongoing minimum account balances, to consider when choosing one.

Can I Open a Business Bank Account Online?

Yes, there are many banks that allow you to open an account online in just a few minutes. Several of these banks are mentioned above. To open your business bank account online, the bank will require all of the same paperwork as if you opened the account in person.

Can I Use My Personal Bank Account for My Small Business?

You can use your personal bank account for a small business, like a sole proprietorship. However, it is best not to. Having a dedicated bank account for your business allows you to keep your business deposits and expenses separate from personal transactions. This is very important when it comes to filing taxes.

Do I Need a Business Account If I'm Self-employed?

You do not need a separate business account if you are operating your business under your own name. However, it is recommended that you have a dedicated, separate bank account to make it easier to track business revenue and expenses.

If you are operating your sole proprietorship under a fictitious business name or as a separate legal entity (e.g. C-Corp, S-Corp, LLC), then you need to have a separate business bank account.

Is It Legal to Transfer Money From a Business Account to a Personal Bank Account?

Yes, it is legal to transfer money from a business account to a personal account. However, if you have partners or shareholders in your company, it is not advisable to make such a transfer without their written consent. All transactions into and out of a business account should be documented for good recordkeeping, tax purposes, and in case of an audit.

Some banks allow you (and, like Chase, even encourage you) to link your personal and business accounts. Depending upon the legal structure of your business, some banks even allow your business and personal accounts to be viewed on the same online banking screen. This makes transfers between accounts simple and quick.

Methodology

Research for this article encompassed business bank accounts from across the U.S. We evaluated the benefits offered, transaction limits, fees charged, and customer service of each business bank account reviewed to determine the "best of" designation for each category.

Источник: https://www.investopedia.com/best-small-business-bank-accounts-4797849

Finding the right bank for your small business will streamline your finances and separate your personal needs from your business needs. The right small business bank can also allow you to focus on all the other tasks you'll face as a business owner. We looked at loans, deposit accounts, credit cards and business resources to find the best bank for small businesses in each category.

Best for small business loans: Huntington National Bank

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Huntington National Bank is not only a top provider of various loans for small businesses, but it’s also a top provider of U.S. Small Business Administration (SBA) 7(a) loans, which are the primary types of loans the SBA provides to assist small businesses. They can be used for real estate, short- and long-term working capital and the purchase of furniture, fixtures and supplies for your business.

Small business products and services: Besides leading in SBA-guaranteed business loans, Huntington National Bank also offers other small business loans. If you need help expanding your business, you might benefit from one of the bank’s business term and real estate loans — and they also offer loans designed specifically for dental and veterinary practices. Huntington National Bank also provides business lines of credit for managing cash flow and purchasing inventory.

In addition, Huntington National Bank offers small business checking and savings accounts, money market accounts, small business insurance and payables and receivables management resources.

Customer experience: Huntington National Bank has a network of more than 1,100 branches and 1,700 ATMs. Customers can bank in-person in Ohio, Colorado, Illinois, Indiana, Kentucky, Michigan, Minnesota, Pennsylvania, South Dakota and West Virginia — or online and through the bank’s mobile app.

Best for highest business checking account APY: Lafayette Federal Credit Union

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Lafayette FCU’s Business Performance Checking account requires $1,000 to open and has a $20 monthly maintenance fee — but comes with a 1% APY on balances $1,000 and above. To qualify for the APY, you must either open a Lafayette Federal Business credit card or line of credit or use one or more business service products, which include remote deposit capture, ACH SmartPay, Paychex Payroll or FirstData Merchant Services. This account also includes unlimited transactions.

Small business products and services: In addition to the high APY for its business checking account, Lafayette FCU offers small business owners a basic business checking account that does not earn interest, in addition to money market accounts and CDs. Small business owners can also apply for business credit cards and loans with the credit union, and have the option to offer employee compensation packages through Lafayette FCU, if you enroll your business as a Select Employee Group.

Customer experience: Lafayette FCU requires membership. You’re eligible if you live or work in Maryland, D.C. or Virginia, or become a member of the American Consumer Council for $8 or the Home Ownership Financial Literacy Council for $10. There are 6,000 shared branches nationwide along with an extensive network of fee-free ATMs. You can also bank online or through the credit union’s iPhone or Android mobile apps.

Best for small business checking account options: Capital One

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Capital One offers two business checking accounts.

AccountSpark Business Basic CheckingSpark Business Unlimited Checking
Business transactionsUnlimitedUnlimited
Cash depositsFree up to $5,000 per month, then $1 for each additional $1,000Free
Wire transfers$15 per incoming domestic or foreign wire $25 per outgoing domestic wire $40 per outgoing foreign wireFirst five domestic wires per month are free (after that, $15 per incoming domestic wire and $25 per outgoing domestic wire) $15 per incoming foreign wire $40 per outgoing foreign wire if in foreign currency $50 per outgoing foreign wire if in U.S. dollars
Monthly fee$15 (or $0 if you maintain an average 30- or 90-day minimum balance of $2,000)$35 (or $0 if you maintain an average 30- or 90-day minimum balance of $25,000)

Small business products and services: Capital One’s small business products and services also include its Spark business credit cards (which allow you to earn miles or cash back on your purchases), small business loans, merchant services and cash flow management tools.

Customer experience: Capital One customers have access to more than 70,000 fee-free ATMs, which includes Capital One, MoneyPass® and Allpoint® ATMs and more than 770 branch locations. The bank also offers several tools for banking online such as mobile deposits, digital payments through Zelle and online billpay if you aren’t near any branches or ATMs.

Best for avoiding fees: PNC Bank

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Of the business checking accounts that PNC Bank offers (Business Checking, Business Checking Plus, Treasury Enterprise Plan and Analysis Business Checking), we’ve chosen its Business Checking Plus as the best for avoiding fees. There’s no monthly maintenance fee for the account’s first three statement cycles. After that, the fee is $20 a month, but there are several options for waiving it:

  • Maintain an average of $5,000 monthly collected balance
  • Deposit a minimum of $5,000 monthly payment proceeds from a PNC Merchant Services account
  • Make $5,000 in purchases with a linked PNC business credit card
  • Maintain $20,000 average combined balance in a linked PNC business checking and money market account

There is also no fee to set up overdraft protection for this account.

Small business products and services: PNC Bank offers a wide range of other small business products, such as business credit cards, loans and merchant services. Cash Flow Insight provides tools for operating your business through monitoring, planning and budgeting your spending.

Customer experience: There are 2,300 PNC Bank locations and 18,000 PNC and partner ATMs throughout the U.S. You can also bank online or through PNC’s mobile app, which provides access to Cash Flow Insight and Pinacle, a tool that helps streamline payments you make and receive. Pinacle also gives you access to PNC’s online treasury management services.

Best for small business credit cards: Chase Bank

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Chase Bank not only provides popular credit card rewards programs for consumers, but it also provides some of the best credit cards for small businesses. Chase Bank’s Ink line of business credit cards — detailed below — offer some of the highest rewards rates for business-related expenses. Rewards points can be used for cash, gift cards, travel and more. Even if your business expenses are low, you’ll likely find Chase offers more than one credit card option that can fit into your finances.

CardInk Business Unlimited® Credit CardInk Business Cash® Credit CardInk Business Preferred℠ Credit Card
APR0% Intro APR on Purchases for 12 months (then 13.24% - 19.24% Variable APR after that)0% Intro APR on Purchases for 12 months (then 13.24% - 19.24% Variable APR after that)15.99%-20.99% Variable APR
RewardsEarn unlimited 1.5% cash back on every purchase made for your businessEarn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.
Annual fee$0$0$95

In addition, Chase Bank offers co-branded Southwest and United credit cards.

Small business products and services: Chase Bank also offers small business loans and lines of credit, business checking and savings accounts, equipment and trade financing, merchant services and resources for starting, managing and growing your business.

Customer experience: Chase Bank has more than 4,700 branches and 16,000 ATMs. You can also access additional services online and through the bank’s mobile app.

Best for branch access in the Midwest: U.S. Bank

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U.S. Bank is our first choice for small business owners located in the Midwest because of its large branch and ATM network around the U.S. — including throughout the heartland. It offers a vast selection of loans, and its Silver Business Checking Package comes with no monthly fee, a rare benefit you won't find at many other banks.

Given the importance of branch access to a strong business banking experience, U.S. Bank's locations make it a better choice for businesses operating in areas that may be neglected by the other national banks. In addition to participating as a lender in the SBA Express loan and 7(a) loan programs, U.S. Bank has its own loans for business development, commercial real estate and capital equipment.

Small business products and services: U.S. Bank also has three tiers of checking options for businesses, as well as a nonprofit checking account and a premium business checking account. Other business products and services include loans, credit cards, money market accounts and cash management and payroll services.

Customer experience: With one of the largest ATM networks in the U.S. and thousands of branch locations, you don’t have to be limited to living in the Midwest to get the most out of U.S. Bank’s business services. U.S. Bank also offers online banking and banking through its mobile app. You can also contact customer service 24/7 by phone.

Best for branch access in the Northeast: TD Bank

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TD Bank is one of the 10 largest banks in the U.S. and has most of its more than 1,200 branch locations in Northeastern states including Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island and Vermont.

Whether you're looking to expand your business with additional equipment purchases or new real estate, TD Bank offers loans with fixed rates based on your credit rating. More detailed information will require visiting a branch and speaking with a banker about your specific needs.

Small business products and services: TD Bank’s Business Premier Checking account is one of the best available for the value. It includes higher monthly limits on your free transactions and cash deposits, a lower transaction fee and discounts on the bank's merchant services. TD Bank also offers small business loans, credit cards and prepaid cards as well as online accounting, payroll and merchant services.

Customer experience: TD Bank has over 1,200 branch locations and 700 ATMs. TD Bank also offers Small Business Online Banking and its mobile app for online accounting and making and receiving payments.

Summary of the best banks for small business

Small business loansHuntington National BankTop provider of U.S. Small Business Administration (SBA) 7(a) loans and other small business loans
Highest business checking account Annual Percentage Yield (APY)Lafayette Federal Credit UnionBusiness Performance Checking earns 1% APY ($1,000 minimum opening deposit)
Small business checking accountsCapital OneTwo small business checking accounts with unlimited free business transactions and waivable monthly fees
Avoiding feesPNC BankBusiness Checking Plus includes multiple ways to waive monthly fee and has no overdraft protection fee
Small business credit cardsChase BankInk line of business credit cards offers various reward points and cash back options
Small businesses in the MidwestU.S. BankVast number of branches and ATMs in the Midwest
Small businesses in the NortheastTD Bank1,200+ branches, with a large number in the Northeast

Finding the best bank for your small business

Many banks are ready to provide support to local businesses, so it's important to know how to evaluate your small business banking choices. Keep a few basic principles in mind as you continue your search for the best bank for your business.

  • Determine your needs: Banks provide businesses with three key products: loans, deposit accounts and payment processing. Breaking down your banking requirements along these categories can help you determine which bank is the best fit for your financial situation and business patterns.
  • Consider local: Like many aspects of operating a business, an effective banking relationship relies on cultivating personal relationships with your partners. Finding the best bank for a small business might mean shopping locally. While online banking and lending options can be helpful to people with lower credit scores, being able to meet with a banker in person can lead to more personalized services and terms that are more tailored to your specific needs.
  • Be flexible: While doing all your banking in one place can greatly simplify your finances, there's no reason to accept your current bank's solution to your business’s every financial need. For example, one bank might provide a better business credit card while another offers better terms on a commercial lease. As your business expands and your operating model changes, the way you need to handle money will probably change too. Being ready to reassess your banking setup is important to avoid stifling your growth at a key moment.

Methodology for determining best banks for small business

To find the best banks for small business, ValuePenguin looked at financial institutions from small community banks and credit unions to traditional brick-and-mortar banks and online banks. We update our list on a regular basis to ensure we’re providing readers with the most recent information.

We determined our list and rankings by considering the following factors:

  • Small business products and services: The most heavily-weighted feature of the best small business banks are the number and quality of products and services offered specifically to small business owners. This includes options for small business checking accounts, business credit cards and business loans. Banks with free or low-fee accounts and low minimum requirements, and low-fee/low-APR loans and credit cards are ranked higher than those that offer products with monthly or maintenance fees and high APRs for financing.
  • Small business benefits: Banks that also provide extra resources, such as tools, business software and guides for payroll and taxes that help small business owners manage their businesses are also ranked higher.
  • Accessibility: It is crucial for small business owners to access not only the bank or credit union for banking purposes but also customer service when there are questions or assistance is needed. We considered only banks and credit unions that are available nationally, online or through mobile apps.
  • FDIC-insured and NCUA-insured: It’s important for your business banking to be protected by FDIC and/or NCUA insurance in the case your financial institution were to fail. As such, we only included FDIC-insured and NCUA-insured banks and credit unions on our list.

FAQs

What is the best bank for small business?

The best bank for a small business will vary depending on what you need to grow and manage your business. If you need access to loans or lines of credit, you might choose the bank that offers the best small business lines. Likewise, if you’re looking for small business credit cards to use for making purchases and earning rewards, the bank offering the best credit cards for small businesses might be the best bank for you.

What is the best bank for small business checking?

We’ve determined that the best bank for small business checking, based on our methodology, is Capital One because it offers unlimited business transactions. Most other banks and credit unions carry limits to the number of transactions you can have each month, which can lead to racking up extra transaction fees. Plus, Capital One offers a range of other small business services and products that can work alongside the checking account at either low or no fee.

Which is the best bank for small business loans?

When considering a small business loan, it’s important to weigh the types of loans that a bank offers as well as what you need the loan for, whether it’s for start-up costs or expansion. We determined Huntington National Bank to be the best bank for small business loans because it not only leads in SBA loans at the moment, but it offers other types of loans that might be helpful for small business owners.

Источник: https://www.valuepenguin.com/banking/best-banks-small-business

Truist Small Business

When determining your company’s financial health and profitability, there are more factors to consider than total earnings. Operating cash flow, or OCF, can be just as important—it measures the actual cash your business generates from the sale of a product or service, after deducting operating costs.

Make $100,000 in sales last month? That’s what you’ll record on your income statement as revenue. But what if you’ve only been paid for half of those sales? Last month’s sales dollars will be on the books as $50,000.

Then, some items (like depreciation of supplies) count as a net expense. So it’s possible for your business to have a net loss, but positive cash flow. Want a more accurate view of your business’s financials? Make sure you’re looking at operating cash flow.

Ready to maximize your cash flow?

Contact your local Truist banker for more information on business solutions, or visit Truist.com.

Источник: https://www.truist.com/small-business

Wells fargo 401k phone number hours

wells fargo 401k phone number hours Learn about Wells Fargo , including insurance benefits, retirement benefits, and vacation policy. Just for Nov 01, 2021 · Loan Amounts: Between $5,000 and $300,000. –9:30 p. Wells Fargo & Company is the product of almost 1,500 mergers over its nearly 160-year history. Wells Fargo Advisors. For Wells Fargo Bank IRAs, call 1-800-237-8472. Founded in 1852, Wells Fargo provides…. Business website. 6801 Spring Creek Rd. Is Wells Fargo Open 7 Days a Week Financial Planners Investments Financial Services. SWIFT/BIC Code for Wells Fargo: WFBIUS6S: Routing Transit Number: 121000248: Bank address, City & State : Wells Fargo, 420 Montgomery Street, San Francisco, CA 94104 (regardless of where your account is located) Beneficiary Account Number : Your complete Wells Fargo account number (including leading zeros) Beneficiary Name: . 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Since you have to go through a dealership to take out a new or used auto loan with Wells Fargo, you won’t be able to find out your rate and terms in advance. 913 Central Ave. EST: 401(k) Retirement Plans COVID-19 Hours or services by Wells Fargo Institutional Retirement the branch phone number at 701-293-4200. credit card account or talk with us about your account. Mardi Gras Fat Tuesday - 02/16/2021. 401(k) savings calculator please contact Nov 20, 2015 · Wells Fargo Bank, N. You’ll have to physically walk into a Oct 21, 2021 · Wells Fargo Customer Service; Contact Phone Business Hours Wells Fargo Private Bank: 1-888-715-0380: Monday through Friday, 8:30 a. 6 trillion in assets. Wells Fargo Customer Service Phone Number. (716) 662-6320. Sep 29, 2021 · Wells Fargo & Co. For questions about your loan and support under COVID-19 restrictions, PLEASE CALL 1-800-219-9739. Wells Fargo Institutional Retirement & Trust no longer services your retirement plan. 114 12th St W Ste E. Wells Fargo Securities is the investment banking division of the multinational company which generates between US$3 and US$4 billion per year in investment banking revenue. COVID-19 Information. Learn More Discussions with Retirement Professionals may lead to a referral to affiliates including Wells Fargo Bank, N. Taking out a COVID-19 401 (k) or other retirement plan loan*: You may be able to take out a loan of up to $100,000 or 100% of your vested account balance, whichever is less. Wells Fargo Bank Are Open on: Valentine's Day - 02/14/2021. Oct 10, 2021 · Sept. (623) 478-1584. Find 12 listings related to Wells Fargo Bank in Hallettsville on YP. The lender will now begin bringing back employees who have been working remotely Jun 25, 2021 · Call Wells Fargo to close your account. Call Us. bank with the most employees, delayed its return-to-office date to early next year. Representatives are available 24 hours a day, 7 days By phone Wells Fargo Retirement Service Center 1-877-HRWELLS (1-877-479-3557), option 1, 1, 2 Representatives are available to assist you from 7:00 a. wellsfargo. Wells Fargo Online ® is an easy and secure way to manage your account. Nov 23, 2021 · Wells Fargo is one of the biggest banks in the U. Instead, you’ll have to call customer service at 800-869-3557 or visit a local branch. Monday – Friday, 8:00 am – midnight ET. 3. (815) 637-6363. All the listed benefits are extracted from job descriptions, reviews, and Q&A posted on Indeed. retirement business i ; achieving greater scale and balance to compete, invest and grow. Choose the option Nov 19, 2021 · Wells Fargo had found a way to charge some of its customers $30 to transfer funds from one division of the bank to another when paying off a mortgage. Wells Fargo Alarm Services - CLOSED. 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Feb 14, 2021 · The following list will give you an idea. Wells Fargo Advisors is one of the nation's premier financial services firms, serving and advising clients nationwide through more than 15,000 Financial Advisors. Nov 24, 2021 · The oldest fund launched was in 1968. 1-877-646-8560 Wells Fargo Practice Finance Contact Information. S. The bank also has 5172 more offices in thirty-six states. Phone number. , Charlotte, NC 28262. The company offers investors 108 mutual funds, in terms of the number of individual fund symbols. The elegant 57-story Wells Fargo Center, designed by Cesar Pelli, contains a full-block indoor pedestrian promenade that houses a 100-foot-high domed ceiling rotunda on one side and a formal lobby on the other. (717) 249-8182. For assistance, please call 1-800-TO-WELLS ( 1-800-869-3557) or visit a Wells Fargo branch. The pay increases will take effect by the end of 2020. It has three main predecessors. CLOSED NOW. 11425 W Buckeye Rd Avondale, AZ 85323. Roll over my 401(k) Request a consultation; Trust and Managed Investments Existing Trust and Managed Investment Questions. Many online lenders offer them and typically have a quick turnaround time, within 48 hours, he said. 1-800-352-3705 Mon – Fri: 8 am – 12 am Eastern Time. 950 Main Ave Ste 300. Businesses can also call 1-800-577 Wells Fargo Employee Benefits. 06024 Monthly +$0. To obtain your Wells Fargo employee ID number, set up or reset your Wells Fargo employee ID number password, or receive a one-time Strong Authentication password, contact the Teamworks at Home Strong Authentication Support line at 1-877-869-7964, options 1, 1, 2. Jul 17, 2021 · Wells Fargo Advisors is a subsidiary of Wells Fargo & Company, one of America’s largest and strongest financial institutions, which has been in business since 1852. Contact the local Business Development Manager based on your location from the directory below. 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Here's a closer look at how the two financial institutions compare. 6506 E Quaker St. Change from prior distribution EAD Wells Fargo Income Opportunities Fund $0. 9, 2021-- Wells Fargo announced that a consent order from the CFPB in relation to the bank's retail sales practices from the phony-accounts scandal was no longer in place. A Wells Fargo Advisors Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your specific situation. Representatives are available 24 hours a day, 7 days Jan 08, 2018 · The process for establishing a Self-Directed Solo 401 (k) Plan with IRA Financial Group and Wells Fargo can be completed in days: Complete a short New Client Intake Form allowing us to customize your IRS approved Self-Directed Solo 401 (k) Plan to satisfy your retirement, investment, and tax needs. and also, my 401 K Wells Fargo Advisors. The tellers are all down-to-earth, informative and best of all, they seem neither like they're fake automatons, pretending that they want to be your new best friend nor do they act as if they despise the world and the endless flow of customers they're forced to suffer. From Business: Wells Fargo & Company (NYSE: WFC) is a nationwide, diversified financial services company with $1. Keep reading to learn about Wells Fargo's weekly and holiday schedules. What is the starting pay at Wells Fargo? Wells Fargo will raise its minimum wage from $15 to $20 an hour based on employee location. Distribution per share Frequency. CAR-0521-00528. Eastern Time, to speak with a plan specialist. The ATM's outside don't make you use a deposit envelope to deposit your checks. Shortcut: N/A - Edit. Last week, federal regulators fined Wells Nov 23, 2021 · Wells Fargo is one of the biggest banks in the U. Jul 07, 1995 · Wells Fargo Bank Branch Location at 1525 West W. Wells Fargo Bank, N. For Wealth and Investment Management clients, contact your financial advisor or relationship manager, or call: Private Bank . Choose the option Oct 19, 2021 · Wells Fargo's credit quality is excellent, and net charge-offs (debt unlikely to be collected and a good indicator of actual losses) to total loans in the quarter were a mere 0. You can’t cancel Wells Fargo accounts online. Furthermore, the bank provides a comprehensive range of financial products and services Sep 01, 2011 · 10 reviews of Wells Fargo Bank "I have had several go-to branches in the city and this one has by far the nicest personnel. Last week, federal regulators fined Wells Oct 29, 2021 · Ticker. Tifton, GA 31794. T. Nov 19, 2021 · Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $1. 401(k) savings calculator please contact How To Claim Wells Fargo Bank Unclaimed Money in a Few Clicks. See reviews, photos, directions, phone numbers and more for Wells Fargo Bank locations in Hallettsville, TX. But for specific opening hours on holidays, check on each Wells Fargo Bank location on Wells Fargo official website. Any other referenced entity is a separate entity from WFAFN. The average manager tenure for all managers at Wells Fargo is 14. To speak with Wells Fargo customer service regarding any of your banking accounts, here are your options: Banking Products. The NBA and NHL seasons are officially underway, so for fans of the 76ers and Flyers, that means one thing: It’s time to start heading back to the Wells Fargo Center. Wells Fargo Retail Services Contact Us. Retirement Planning Services Investment Advisory Service Financial Planning Consultants. Apr 09, 2019 · Definitive agreement includes Wells Fargo’s defined contribution, defined benefit, executive deferred compensation, employee stock ownership plans, institutional trust and custody and institutional asset advisory businesses. Here is a list of the 50 most common banks that routingtool. Is Wells Fargo Open 7 Days a Week 8 reviews of Wells Fargo Bank "The customer service here is amazing and they're always fully staffed! Location & Hours. If you would like assistance with signing on to your Wells Fargo 401(k) Plan account, call 1-877-HRWELLS (1-877-479-3557), option 1, Monday through Friday, from 8:00 a. Just for Sep 01, 2011 · 10 reviews of Wells Fargo Bank "I have had several go-to branches in the city and this one has by far the nicest personnel. Includes phone number, driving directions and map for this Wells Fargo location. WFCS and its associates may receive a financial or other benefit for this referral. Jan 08, 2018 · The process for establishing a Self-Directed Solo 401 (k) Plan with IRA Financial Group and Wells Fargo can be completed in days: Complete a short New Client Intake Form allowing us to customize your IRS approved Self-Directed Solo 401 (k) Plan to satisfy your retirement, investment, and tax needs. Retirement Planning Retirement Income Strategies 401k Distribution Options Investment Guidance Education Savings Estate Planning Strategies Life Change Insurance Other By submitting this request, you agree that the information you provide may be used by one of our associates from Wells Fargo Advisors to contact you about Wells Fargo Advisors For assistance, please call 1-800-TO-WELLS ( 1-800-869-3557) or visit a Wells Fargo branch. com customers look up: Nov 18, 2021 · Wells Fargo and Bank of America are two of the largest banks in the U. Fund name. Nov 25, 2015 · Glassdoor is your resource for information about Wells Fargo benefits and perks. Phone Number:1 (800) 869-3557. , the U. Charlotte, NC 28204. If you have account questions, please call us at 1-877-805-7744 Monday - Friday, 8:00 am to 6:00 pm Central Time. is a banking affiliate of Wells Fargo & Company. Security Control Systems & Monitoring. Patrick's Day - 03/17/2021. A powerful combination for customers, employees and Nov 18, 2021 · Wells Fargo and Bank of America are two of the largest banks in the U. T Harris Blvd. Doubles Principal U. Is Wells Fargo Open 7 Days a Week Jul 07, 1995 · Wells Fargo Bank Branch Location at 1525 West W. Jul 09, 2021 · Wells Fargo clients can open personal lines of credit at other banks, McBride said. Ditto for folks looking for 12 reviews of Wells Fargo "I went to cash my payroll check today. Financial Planners Investments Financial Services. Mar 03, 2021 · How To Contact Wells Fargo Customer Service By Phone. Benefits information above is provided anonymously by current and former Wells Fargo employees, and may include a summary provided by the employer. Many Americans don’t even know that they have the right to claim money from uncashed checks, dormant bank accounts, and similar. To remove an authorized signer from a business deposit account, just sign on to Wells Fargo Business Online to take action through Account Access Manager. (229) 387-0100. (704) 655-0066. , with $1. com Contact Wells Fargo customer service by phone at 1-800-869-3557 or online, find answers to your questions, get help with online account services and more. Please contact your current or former employer for information on how to access your account. wells fargo 401k phone number hours

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Источник: http://live.capebd.com/lbdz96/wells-fargo-401k-phone-number-hours.html
Twitter: @WellsFargo.

Cautionary Statement about Forward-Looking Statements

This news release contains forward-looking statements about our future financial performance and business. Because forward-looking statements are based on our current expectations and assumptions regarding the future, they are subject to inherent risks and uncertainties. Do not unduly rely on forward-looking statements as actual results could differ materially from expectations. Forward-looking statements speak only as of the date made, and we do not undertake to update them to reflect changes or events that occur after that date. For information about factors that could cause actual results to differ materially from our expectations, refer to our reports filed with the Securities and Exchange Commission, including the "Forward-Looking Statements" discussion in Wells Fargo’s most recent Quarterly Report on Form 10-Q as well as to Wells Fargo’s other reports filed with the Securities and Exchange Commission, including the discussion under "Risk Factors" in our Annual Report on Form 10-K for the year ended December 31, 2018, available on its website at www.sec.gov.

News Release Category: WF-SB

View source version on businesswire.com: https://www.businesswire.com/news/home/20210722005911/en/

Contacts

Media
Allison Vail, 704-770-8374
[email protected]