Wells Fargo ACH & Wire FeesBusiness Accounts
Disclaimer: These fee estimates reflect common Wells Fargo business banking pricing but may vary based on your transaction volume and treasury management plan. Always confirm with Wells Fargo directly.
ACH Fees
| Fee Type | Amount | Notes |
|---|---|---|
| ACH credit per item | $0.12–$0.22 | — |
| ACH debit per item | $0.15–$0.28 | — |
| Same-day ACH | $0.80–$1.20 | — |
| ACH file transmission fee | $5–$10 | — |
Wire Transfer Fees
| Fee Type | Amount | Notes |
|---|---|---|
| Outgoing domestic wire | $25–$30 | — |
| Incoming domestic wire | $15 | — |
| Outgoing international wire | $40–$45 | — |
| Incoming international wire | $16 | — |
Model These Fees With Calculators
Load Wells Fargo's estimated ACH and wire pricing directly into the calculators to see how costs change with your volume.
Frequently Asked Questions About Wells Fargo Fees
Does Wells Fargo charge for incoming ACH transfers?
Most Wells Fargo business accounts charge a small fee for incoming ACH credits and debits. The ACH debit per item fee is typically $0.15–$0.28. However, some premium account tiers may include incoming ACH at no additional charge.
Are ACH fees negotiable at Wells Fargo?
Yes, ACH fees at Wells Fargo are often negotiable, especially for businesses with high transaction volumes, significant deposit balances, or those using multiple treasury services. It's worth discussing pricing with your relationship manager.
How do wire fees compare to ACH at Wells Fargo?
Wire transfers at Wells Fargo are significantly more expensive than ACH. A domestic outgoing wire typically costs $25–$30, while an outgoing ACH credit might cost $0.12–$0.22. For routine payments where speed isn't critical, ACH is usually the more cost-effective choice.
Does Wells Fargo support same-day ACH?
Yes, Wells Fargo supports same-day ACH for business accounts. There's typically an additional fee of $0.80–$1.20 per transaction on top of the standard ACH fee for expedited processing.
What are the wire transfer limits at Wells Fargo?
Wire transfer limits at Wells Fargo vary by account type and are often customizable based on your business needs. Standard business accounts may have daily limits, while treasury accounts typically offer higher or unlimited wire capabilities. Contact Wells Fargo directly to discuss limits for your specific situation.