• No results found

What you need to know about your account

N/A
N/A
Protected

Academic year: 2021

Share "What you need to know about your account"

Copied!
50
0
0

Loading.... (view fulltext now)

Full text

(1)

The information in this disclosure may not be entirely accessible to screen readers. If you have any questions please contact your Wells Fargo banker or call our National Business Banking Center at 1-800-225-5935. Representatives are available to assist you 24 hours a day, 7 days a week.

Business Account Fee and

Information Schedule

What you need to know

about your account

(2)
(3)

Table of contents

Introduction . . . . 1

Banking services available to you . . . . 1

Visit a banking location in person . . . . 1

Wells Fargo National Business Banking Center . . . 1

Monthly fees . . . 2

Business checking accounts . . . . 4

Wells Fargo Business Choice Checking . . . 4

Wells Fargo Platinum Business Checking . . . 5

Additional business checking accounts . . . 8

Wells Fargo Simple Business Checking . . . 8

Wells Fargo Additional Platinum Checking . . . 8

Wells Fargo Business Checking – Public Funds . . . 9

Wells Fargo Business Checking Plus – Public Funds . . . 9

Basic Business Checking® with Interest – Interest on Lawyer’s Trust Account (IOLTA) . . . . 12

Wells Fargo Analyzed Business Checking with Interest – Basic Business Checking® with Interest – Interest on Lawyer’s Trust Account (IOLTA) . . . . 13

Real Estate Trust Account (RETA) . . . . 14

Wells Fargo Analyzed Business Checking . . . . 16

Wells Fargo Analyzed Business Checking – Public Funds . . . . 16

Wells Fargo Choice IV – U .S . Government Account . . . . 16

Wells Fargo Analyzed Business Checking Plus . . . . 17

Wells Fargo Analyzed Business Checking Plus – Public Funds . . . . 17

Wells Fargo Analyzed Business Checking Select . . . . 20

Analyzed account transaction categories . . . . 24

Savings accounts . . . . 26

Wells Fargo Business Market Rate Savings . . . . 26

Wells Fargo Business Market Rate Account – Public Funds . . . . 27

Wells Fargo Business Platinum Savings . . . . 27

Regulation D savings account transaction limit and other limited activity . . . 29

Time Accounts (CDs) . . . . 30

Wells Fargo Business Time Account (CD) . . . . 30

Wells Fargo Business Step Rate Time Account (CD) . . . . 33

Wells Fargo Public Funds Time Account (CD) . . . . 36

(4)
(5)

In tro du ctio n & B ank ing se rv ic es M on th ly fe es Ch ec kin g Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Introduction

What you can find in the booklet

In the booklet, you will find information about your account requirements, features, benefits, and fees . By opening your account, you agree to pay the fees described in this booklet . When using your Wells Fargo accounts, you will pay fees for conducting specific transactions and for using specific services . Fees may vary based on the type of account you have, how you use your account, the state where the account was opened, or where a transaction is performed . Your account may be charged fees during a statement period other than the one in which the activities or services that caused the fee to occur .

In addition to listing potential fees for each account in the account information pages, the service fees section lists other fees associated with services you may use . In addition, to help you avoid unexpected fees, this booklet explains when fees may be charged, and when possible, how to qualify for a fee waiver . If you have a question about a fee that this booklet does not answer, please contact a banker or call 1-800-CALL-WELLS (1-800-225-5935) .

Words used to refer to the account owner, Wells Fargo, and this booklet

• The account owner is referred to as “you,”“your,” or “yours.” • Wells Fargo is referred to as “the Bank,”“we,”“us,” or “our.”

• This booklet, the Business Account Fee and Information Schedule, is “Schedule.” • The companion booklet, the Business Account Agreement, is “Agreement.”

• Certain words with special meaning used in this booklet are defined in the Agreement .

Changes to your account, services, or fees

We may change this booklet at any time . For example, we may add new terms and conditions, or delete or amend existing terms and conditions, including fees . If required by law, we will notify you if changes, additions, or deletions to your account, your fees, or your services occur .

Banking services available to you

You have a variety of ways to access and manage your account .

Visit a banking location in person

You can take advantage of our face-to-face service by talking with a banker at one of our many banking locations across the U .S .

Wells Fargo’s National Business Banking Center (NBBC)

Enjoy the convenience of banking by phone 24 hours a day, 7 days a week, with Wells Fargo’s National Business Banking Center . You can have free, unlimited access to your accounts and conduct most of your banking business using our automated telephone banking service . There is no charge to speak with a phone banker .

Access numbers

Wells Fargo accepts Telecommunications Relay Services calls.

All customers with business accounts 1-800-CALL-WELLS (1-800-225-5935) TTY/TDD for deaf and hard-of-hearing customers 1-800-877-4833

Los clientes que hablan español 1-877-337-7454

Customers outside the U .S . Visit wellsfargo .com/help/international­ access-codes to view a list of our International Access Codes .

(6)

This section applies to the following accounts: Wells Fargo Business Choice Checking Wells Fargo Platinum Business Checking Wells Fargo Simple Business Checking Wells Fargo Additional Platinum Checking Wells Fargo Business Checking – Public Funds Wells Fargo Business Checking Plus – Public Funds Wells Fargo Business Market Rate Savings

Wells Fargo Business Market Rate Account – Public Funds Wells Fargo Business Platinum Savings

What is a statement period?

The dates of your statement period are located at the top of your account statement . The statement provides you a record of all transactions posted during that period . Statement periods may be monthly, quarterly, semi-annual, or annual .

What is a fee period?

The fee period is the period we use to calculate monthly fees . The dates of your fee period are located in the section on your statement called “Monthly service fee summary”for each account. The fee period is also used to count the number of transactions before charging fees for some transactions during that period . For example, your account may have a certain number of no charge transactions each fee period before being charged for additional transactions .

This chart illustrates when a transaction is included in the monthly fees calculation

Transaction When is it included in the monthly fees

calculation? Transaction received before the applicable

cutoff time

On the same business day Transaction received after the applicable cutoff

time or on a non-business day

On the next business day Regularly scheduled automated banking

transaction, such as an automatic transfer from your checking account to savings account, on a non-business day

On the next business day

Pending transaction shown in Online Banking On the day the transaction posts Account changes, such as signing up for online

statements, completed after the applicable cutoff time or on a non-business day

When our system is updated on the next business day

For checking accounts with a combined balance option to avoid the monthly service fee, when an account is linked or a transaction occurs on linked accounts

Information in this chart above applies until the combined balance cutoff which is one business day prior to the last business day of your fee period

If your fee period is not the same as your statement period, your fees may be calculated using transactions included on another statement . Wells Fargo may change these periods to align the dates for both of the periods .

(7)

In tro du cti on & B an kin g s er vic es Mo nt hly fee s Ch ec kin g Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Monthly fees

How are monthly fees calculated?

Monthly fees include the monthly service fee, transactions fee, cash deposited fee, coin order fee, currency order fee, and check image option fee . Monthly fees are calculated using account balances and transactions occurring during the fee period . Included transactions must be received in our records during the fee period .

Monthly fees are calculated and posted to your account on the last business day of the fee period . An exception to this rule is on accounts with the option to avoid the monthly service fee with a combined balance . We determine your combined balance one business day prior to the last business day of your fee period . We use the most current balances we have available on that date .

(8)

A Wells Fargo business checking account can help streamline your business finances with more convenience, greater value, and flexibility .

Wells Fargo Business Choice Checking

Checking designed

for Customers with new and growing businesses who want multiple ways to avoid the monthly service fee .

Monthly service fee $14

Options to avoid the

monthly service fee Avoid the fee with one of the following each fee period

1: • Maintain a $7,500 average ledger balance

• $10,000 in combined balances2

• 10 or more business debit card purchases and/or payments from this checking account3

• Linked to a Direct Pay4 service through Wells Fargo Business Online®

• Qualifying transaction from a linked Wells Fargo Merchant Services account5

• Qualifying transaction from a linked Wells Fargo Business Payroll Services account6

Minimum opening

deposit $50

Transactions7 fee • First 200 total transactions per month - No charge

• Over 200 total transactions per month - $0.50 each

Cash deposited fee • First $7,500 per month - No charge

• Over $7,500 per month - $0.30 per $100 deposited

Interest • Not applicable

Optional Overdraft Protection available. Subject to applicable transfer or advance fees. Yes

1 We will waive the monthly service fee for the first two fee periods to allow you to meet your monthly service

fee waiver requirements . After two fee periods, we will continue to waive the monthly service fee if the requirements are met .

2 Combined balances include: Combined average ledger balances in business checking, savings, and time

accounts, most recent statement balance of Wells Fargo business credit cards, Wells Fargo Business Secured Credit Card, BusinessLine® line of credit, Wells Fargo Small Business Advantage® line of credit , Working Capital Line of Credit, Advancing Term Line of Credit, and BusinessLoan® term loan, and combined average daily balances from the previous month for Wells Fargo Business PrimeLoanSM, Commercial Equity Loan,

Commercial Refinance Loan, Commercial Purchase Loan, Commercial Equity Line of Credit, Small Business Advantage® loan , Equipment Express® loan, and Equipment Express® Single Event loan .

3 To be eligible for the business Platinum debit card waiver option, the customer’s business debit card must

be linked to their Business Choice Checking account . PIN and signature-based purchases qualify to avoid the $14 monthly service fee . ATM transactions (including stamp purchases) are not qualified to avoid the monthly service fee . If there are multiple business debit cards linked to a Business Choice Checking account, the purchase activity for all of those cards will be combined to avoid the monthly service fee .

4 Business Account Fee And Information Schedule – July 15, 2015 (BBG6788)

Wells Fargo Platinum Business Checking

Customers with established businesses and greater checking account activity looking for premier relationship benefits .

$40

Avoid the fee with one of the following each fee period1: • Maintain a $25,000 average ledger balance

• $40,000 in combined balances2

• First 500 total transactions per month - No charge • Over 500 total transactions per month - $0.50 each $50

• First $20,000 per month - No charge

• Over $20,000 per month - $0.30 per $100 deposited • Earned on daily collected balances above $25,000 • Variable rate that the Bank can change at any time Yes

4 Direct Pay access costs $10 per monthly billing cycle . Direct Pay payments to non-Wells Fargo personal bank

accounts are $0 .50 per payment . There are no per payment charges for Direct Pay payments to Wells Fargo personal bank accounts . All payments made to business bank accounts are $3 each .

5 A qualifying transaction from a linked Wells Fargo Merchant Services account is a payment card transaction

(e .g ., Visa®, MasterCard® or Discover® Network) from a Wells Fargo Merchant Services product that is deposited to a linked Business Choice Checking account at least once during the fee period .

6 A qualifying transaction from a linked Wells Fargo Business Payroll Services account is a payroll transaction

from a Wells Fargo Business Payroll Services product that is funded from a linked Business Choice Checking account at least once during the fee period .

7 The definition of “Transactions” refers to any combination of deposits, paid items and deposited items,

including paper and electronic . Transactions do not include purchases and payments made using a Wells Fargo Business Debit Card or Wells Fargo Business ATM Card, Wells Fargo Business Instant Issue Debit

Card, Business Bill Pay, or Direct Pay payments made through Wells Fargo Business Online, and Wells Fargo

Merchant Services, or Wells Fargo Business Payroll Services transactions .

(9)

Business checking accounts

Additional benefits — Business Choice Checking and Platinum Business Checking:

Business Choice Checking:

• $10 discount on first order of business checks

• Special offers and discounts are available to Wells Fargo Business Choice Checking customers . Contact a banker for details .

Platinum Business Checking:

• $10 discount on first order of business checks

• Avoid the monthly service fee on up to two Additional Platinum Checking accounts when linked to a Platinum Business Checking account

• Free stop payments • Free cashier’s checks • Free money orders

• 2 free incoming domestic wire transfers per fee period • 2 free non-Wells Fargo ATM transactions per fee period

• Special offers and discounts are available to Wells Fargo Platinum Business Checking customers . Contact a banker for details .

Additional information — Business Choice Checking and Platinum Business Checking:

What accounts can you link for Overdraft Protection?

To protect your account from an overdraft, you may link one or both of the following Wells Fargo accounts:

• Eligible business savings account (Please be aware that these transfers count toward the savings account transaction limit — see page 29)

• Business credit card or eligible business line of credit

Please refer to the “Service fees” section for details on overdraft, Overdraft Protection transfer fee, and returned item fees .

What are your statement and check image options?

All account holders receive free online or paper statements of their checking and savings accounts . This service includes free check safekeeping .

Check image options

For an additional fee, you can enroll in our check image program . You have two different monthly check return/image options available to you:

1 . Classic: 10 checks per page . Image includes the front of checks only . The monthly fee is $2 per month .

2 . Premium: 5 checks per page . Image includes the front and back of checks . The monthly fee is $3 .50 per month .

Additional information regarding the check image options service:

• The fee for this service is only assessed when check images are returned in your account statement .

• This service is not available with online statements .

(10)

7 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec king Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

What is included in combined balances?

Business Choice Checking and Platinum Business Checking combined balances include the following qualifying accounts under a single Taxpayer Identification Number:

• Combined average ledger balances in business checking, savings, and time accounts, PLUS

• Most recent statement balance of Wells Fargo business credit cards, Wells Fargo Business Secured Credit Card, BusinessLine® line of credit, Wells Fargo Small Business Advantage® line of credit , Working Capital Line of Credit, Advancing Term Line of Credit and BusinessLoan® term loan, PLUS

• Combined average daily balances from the previous month for Wells Fargo Business PrimeLoanSM, Commercial Equity Loan, Commercial Refinance Loan, Commercial Purchase Loan, Commercial Equity Line of Credit, Small Business Advantage® loan, Equipment Express® loan and Equipment Express® Single Event loan

Accounts linked to a Business Choice Checking or Platinum Business Checking account to qualify for a monthly service fee waiver cannot be linked to any other Wells Fargo checking account to qualify for a monthly service fee waiver .

Additional information – Platinum Business Checking account

Can you earn interest on your Platinum Business Checking account?

(11)

Additional business checking accounts

Wells Fargo Simple Wells Fargo Additional

Business Checking Platinum Checking

Checking designed

for Businesses with limited checking needs such as local and non­ profit organizations and some small businesses .

Platinum Business Checking customers that need additional checking accounts to manage their business .

Monthly service fee $10 $12

Options to avoid the

monthly service fee Avoid the fee partly or completely with one or both of the following

each fee period:

• Maintain a $500 ($1,000 in California) average ledger balance, to reduce the fee by $5 a month .

• Enroll in Wells Fargo Business Online and choose to receive online statements only and an additional $5 will be reduced .

Avoid the fee with one of the following each fee period:

• Linked to Platinum Business Checking

• $3,000 minimum daily balance

• $6,000 average ledger balance

• Qualifying transaction from a linked Wells Fargo Business Payroll Services account1 Minimum opening

deposit $50 $50

Transactions2 fee • First 50 total transactions

per month – No charge • Over 50 total transactions

per month – $0 .50 each

• First 150 total transactions per month – No charge • Over 150 total transactions

per month – $0 .50 each

Cash deposited fee • First $3,000 per month –

No charge

• Over $3,000 per month – $0 .30 per $100 deposited

• First $5,000 per month – No charge

• Over $5,000 per month – $0 .30 per $100 deposited

Interest • Not applicable • Not applicable

Optional Overdraft Protection available. Subject to applicable transfer or advance fees. Yes Yes

1 A qualifying transaction from a linked Wells Fargo Business Payroll Services account is a payroll transaction

from a Wells Fargo Business Payroll Services product that is funded from a linked Wells Fargo business checking account at least once during the fee period .

8 Business Account Fee And Information Schedule – July 15, 2015 (BBG6788)

Wells Fargo Business Checking – Wells Fargo Business Checking Plus –

Public Funds Public Funds

Businesses with moderate transaction activity

looking to save on costs . Businesses with moderate transaction activity looking to save on costs with an interest bearing option .

$12 $16

Avoid the fee with one of the following each fee period:

• Maintain $3,000 minimum daily balance, • Maintain $6,000 average ledger balance, • Qualifying transaction from a linked

Wells Fargo Business Payroll Services account1

Avoid the fee with one of the following each fee period:

• Maintain a $5,000 minimum daily balance,

• Maintain a $10,000 average ledger balance

$50 $50

• First 150 total transactions per month -No charge

• Over 150 total transactions per month -$0 .50 each

• First 150 total transactions per month -No charge

• Over 150 total transactions per month -$0 .50 each

• First $5,000 per month - No charge • Over $5,000 per month - $0.30 per $100

deposited

• First $5,000 per month - No charge • Over $5,000 per month - $0.30 per $100

deposited

• Not applicable • Variable rate, depending on the collected balance in the account less the current reserve requirement

• Variable rate that the Bank can change at any time

No No

2 The definition of “Transactions” refers to any combination of deposits, paid items and deposited items, including paper and electronic . Transactions do not include purchases and payments made using a Wells Fargo Business Debit Card or Wells Fargo Business ATM Card, Wells Fargo Business Instant Issue Debit

Card, Business Bill Pay, or Direct Pay payments made through Wells Fargo Business Online, for Online and

Wells Fargo Merchant Services, or Wells Fargo Business Payroll Services transactions .

(12)

Additional Information - Simple Business Checking, Additional Platinum Checking, Business Checking – Public Funds, and Business Checking Plus – Public Funds:

What accounts can you link for Overdraft Protection?

To protect your account from an overdraft, you may link one or both of the following Wells Fargo accounts:

• Eligible business savings account (Please be aware that these transfers count toward the savings account transaction limit — see page 29)

• Business credit card or eligible business line of credit

• Wells Fargo Business Checking - Public Funds is not eligible for Overdraft Protection Please refer to the “Service fees” section for details on overdraft, Overdraft Protection transfer fee, and returned item fees .

What are your statement and check image options?

All account holders receive free online or paper statements of their checking and savings accounts . This service includes free check safekeeping .

Check image options

For an additional fee, you can enroll in our check image program . You have two different monthly check return/image options available to you:

1 . Classic: 10 checks per page . Image includes the front of checks only . The monthly fee is $2 per month .

2 . Premium: 5 checks per page . Image includes the front and back of checks . The monthly fee is $3 .50 per month .

Additional information regarding the check image options service:

• The fee for this service is only assessed when check images are returned in your account statement .

• This service is not available with online statements .

(13)

11 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec king Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

(14)

Basic Business Checking with Interest – Interest on Lawyer’s Trust Account (IOLTA)*

Checking designed

for Lawyers and law firms that pool their client’s funds without a need for treasury management services . Monthly service fee

for states: AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NJ, NM, NY, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY

$5

Monthly service fee for states:

CA, NV

None Options to avoid the

monthly service fee Avoid the fee with one of the following each fee period: • $5,000 minimum daily balance

• $10,000 average ledger balance

The monthly service fee is netted against interest paid as allowable by law . The net interest is sent to the applicable state foundation monthly . All other fees are the account holder’s responsibility .

Qualified accounts Not applicable

Minimum opening

deposit $50

Interest • Variable rate, depending on the collected balance in the

account less the current reserve requirement • Variable rate that the Bank can change at any time

• Interest is paid according to the rules of the state whose laws govern this account

Optional Overdraft Protection available. Subject to applicable transfer or advance fees. No

* Colorado Lawyer Trust Account Foundation (COLTAF), Florida Interest on Trust Account (IOTA), New York Interest on Lawyer’s Account (IOLA)

12 Business Account Fee And Information Schedule – July 15, 2015 (BBG6788)

Wells Fargo Analyzed Business Checking with Interest – Interest on Lawyer’s Trust Account (IOLTA)

Lawyers and law firms that pool their client’s funds with a need for treasury management services .

$5

None

Avoid the fee with one of the following each fee period: • $5,000 minimum daily balance

• $10,000 average ledger balance

The monthly service fee is netted against interest paid as allowable by law . The net interest is sent to the applicable state foundation monthly . All other fees are the account holder’s responsibility .

• The Analyzed IOLTA account must be linked to an eligible billing account for payment of the applicable fees .

• Only Analyzed non-IOLTA and non-government business checking accounts qualify $50

• Variable rate, depending on the collected balance in the account less the current reserve requirement

• Variable rate that the Bank can change at any time

• Interest is paid according to the rules of the state whose laws govern this account No

Important note

The Basic Business Checking with Interest – Interest on Lawyer’s Trust Account (IOLTA) and the Analyzed Business Checking with Interest – Interest on Lawyer’s Trust Account (IOLTA) accounts are subject to rules governing attorney trust accounts in the state whose laws govern this account . These rules cover payment of interest, reporting of information to third parties (OD, NSF, etc .), and the lawyer’s responsibility to pay for fees assessed in connection with the IOLTA account that are not netted against the interest .

See page 15 for additional information.

(15)

Additional business checking accounts

Product offered in Colorado, Connecticut, Iowa, Maryland, Minnesota, Nebraska, New Mexico, North Dakota, Utah, Washington, and Wisconsin only .

Basic Business Checking with Interest – Real Estate Trust Account (RETA)**

Checking designed for Real estate brokers that pool their clients’ funds without

a need for treasury management services .

Monthly service fee $5

Options to avoid the monthly

service fee Avoid the fee with one of the following each fee period: • $5,000 minimum daily balance • $10,000 average ledger balance

The monthly service fee is netted against interest paid as allowable by law . The net interest is sent to the applicable state foundation monthly . All other fees are the account holder’s responsibility .

Minimum opening deposit $50

Interest • Variable rate, depending on the collected balance

in the account less the current reserve requirement • Variable rate that the Bank can change at any time • Interest is paid according to the rules of the state

whose laws govern this account Optional Overdraft Protection

available. Subject to applicable transfer or advance fees.

No

**Colorado Association of Realtors Housing Opportunity Foundation (CARHOF)

(16)

15 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec king Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Additional information – Basic Business Checking with Interest – Interest on Lawyer’s Trust Account (IOLTA) and Basic Business Checking with Interest – Real Estate Trust Account (RETA)

What are your statement and check image options?

All account holders receive free online or paper statements of their checking and savings accounts . This service includes free check safekeeping .

Check image options

You can enroll in our check image program . You have two different monthly check return/ image options available to you:

1 . Classic: 10 checks per page . Image includes the front of checks only . There is no monthly fee .

2 . Premium: 5 checks per page . Image includes front and back of checks . There is no monthly fee .

Additional information regarding the check image options service: • This service is not available with online statements .

Additional information – Analyzed Business Checking with Interest – Interest on Lawyer’s Trust Account (IOLTA)

What are your statement and check image options?

All account holders receive free online or paper statements of their checking and savings accounts . This service includes free check safekeeping .

Check image options

You can enroll in our check image program . You have two different monthly check return/ image options available to you:

1 . Classic: 10 checks per page . Image includes the front of checks only .

The monthly fee is $2 up to 75 check images, then $0 .03 per image exceeding 75 . 2 . Premium: 5 checks per page . Image includes front and back of checks .

The monthly fee is $4 per month up to 75 check images, then $0 .06 per image exceeding 75 .

Additional information regarding the check image options service:

• The fee for this service is only assessed when check images are returned in your account statement .

(17)

Additional business checking accounts

Checking designed

for Businesses with high transaction volumes or advanced treasury management needs .

Monthly

maintenance fee for states: DE, NJ, NY, PA $25 Minimum opening deposit $50 Monthly maintenance fee for states:

AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NM, NV, OH, OR, SC, SD, TN, TX, UT, VA, WA, WI, WY

Earnings allowance

Account transaction fees for states: AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MT, NC, ND, NE, NV, OH, OR, SC, SD, TX, UT, VA, WA, WI, WY

Wells Fargo Analyzed Business Checking, Wells Fargo Analyzed Business Checking - Public Funds, and Wells Fargo Choice IV – U .S . Government Account

$20

An earnings allowance is used to offset eligible fees . All fees listed below are eligible fees, as are certain fees noted in the “Service fees” section of this booklet .

• Your earnings allowance is calculated by applying the earnings credit rate to the investable balance available for services in your account .

• The earnings credit rate is a variable rate that the Bank can change at any time . The rate appears on your client analysis statement .

• You pay a service charge when your fees exceed your earnings allowance in a given month .

• $0.20 per check paid1 • $0.20 per debit posted1 • $0.75 per deposit1 • $0.25 per ATM deposit

• $0.20 per electronic credit posted1

• $0.15 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) • $0.0020 per $1 of cash deposited

1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the

types of transactions included .

16 Business Account Fee And Information Schedule – July 15, 2015 (BBG6788)

Wells Fargo Analyzed Business Checking Plus and Wells Fargo Analyzed Business Checking Plus – Public Funds

Businesses with high transaction volumes or advanced treasury management needs looking for an interest bearing option .

$30

$35

Not applicable

$50

• $0.20 per check paid1 • $0.20 per debit posted1 • $0.75 per deposit1 • $0.25 per ATM deposit

• $0.20 per electronic credit posted1

• $0.15 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted)

• $0.0020 per $1 of cash deposited

Table continues on the following page.

(18)

Wells Fargo Analyzed Business Checking, Wells Fargo Analyzed Business Checking - Public Funds, and Wells Fargo Choice IV – U .S . Government Account

Account transaction fees for states: AK, AL, MS, NM, TN

• $0.16 per check paid1 • $0.16 per debit posted1 • $0.50 per deposit1 • $0.25 per ATM deposit

• $0.20 per electronic credit posted1

• $0.15 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) • $0.0015 per $1 of cash deposited

Account transaction fees for states: DE, NJ, NY, PA

• $0.25 per check paid1 • $0.30 per debit posted1 • $0.75 per deposit1 • $0.25 per ATM deposit

• $0.50 per electronic credit posted1

• $0.20 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) • $0.0020 per $1 of cash deposited

Interest • Not applicable

Yes, Analyzed Business Checking only Optional Overdraft

Protection

available. Subject to applicable transfer or advance fees.

1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the

types of transactions included .

18 Business Account Fee And Information Schedule – July 15, 2015 (BBG6788)

Wells Fargo Analyzed Business Checking Plus and Wells Fargo Analyzed Business Checking Plus – Public Funds

• $0.16 per check paid1 • $0.16 per debit posted1 • $0.50 per deposit1 • $0.25 per ATM deposit

• $0.20 per electronic credit posted1

• $0.15 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted)

• $0.0015 per $1 of cash deposited • $0.25 per check paid1

• $0.30 per debit posted1 • $0.75 per deposit1 • $0.25 per ATM deposit

• $0.50 per electronic credit posted1

• $0.20 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted)

• $0.0020 per $1 of cash deposited

• Variable rate, depending on the collected balance in the account less the current reserve requirement

• Variable rate that the Bank can change at any time Yes, Analyzed Business Checking Plus only

See page 22 for additional information.

(19)

Additional business checking accounts

Wells Fargo Analyzed Business Checking Select

Checking designed for Businesses with high transaction volumes or advanced

treasury management needs looking for an interest bearing option .

Monthly maintenance fee $75

Earnings allowance An earnings allowance is used to offset eligible fees . All fees

listed below are eligible fees, as are certain fees noted in the “Service fees” section of this booklet.

• Your earnings allowance is calculated by applying the earnings credit rate to the investable balance available for services in your account .

• The earnings credit rate is a variable rate that the Bank can change at any time . The rate appears on your client analysis statement .

• You pay a service charge when your fees exceed your earnings allowance in a given month .

Minimum opening deposit $50 Account transaction fees for states:

AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MT, NC, ND, NE, NV, OH, OR, SC, SD, TX, UT, VA, WA, WI, WY

• $0.20 per check paid1 • $0.20 per debit posted1 • $0.75 per deposit1 • $0.25 per ATM deposit

• $0.20 per electronic credit posted1

• $0.15 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) • $0.0020 per $1 of cash deposited

Account transaction fees for states:

AK, AL, MS, NM, TN

• $0.16 per check paid1 • $0.16 per debit posted1 • $0.50 per deposit1 • $0.25 per ATM deposit

• $0.20 per electronic credit posted1

• $0.15 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) • $0.0015 per $1 of cash deposited

Table continues on the following page.

1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the

types of transactions included .

(20)

In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec king Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Wells Fargo Analyzed Business Checking Select

• $0.25 per check paid1 • $0.30 per debit posted1 • $0.75 per deposit1 • $0.25 per ATM deposit

• $0.50 per electronic credit posted1

• $0.20 per deposited item (in addition to deposit or electronic credit posted)

• $0.20 per ACH (Automated Clearing House) received item (in addition to debit posted or electronic credit posted) • $0.0020 per $1 of cash deposited

Yes

Interest • Variable rate, depending on your investable balance not

used to offset fees

• Variable rate that the bank can change at any time. The rate appears on your client analysis statement . Account transaction fees for

states: DE, NJ, NY, PA

Optional Overdraft Protection available. Subject to applicable transfer or advance fees.

1 Please refer to the analyzed account transaction categories listed at the end of this section for details on the

types of transactions included .

(21)

Additional business checking accounts

Additional information – Analyzed Business Checking, Analyzed Business Checking – Public Funds, Choice IV – U .S . Government Account, Analyzed Business Checking Plus, Analyzed Business Checking Plus – Public Funds, Analyzed Business Checking Select

What accounts can you link for Overdraft Protection?

To protect your account from an overdraft, you may link one or both of the following Wells Fargo accounts:

• Eligible business savings account (Please be aware that these transfers count toward the savings account transaction limit — see page 29)

• Business credit card or eligible business line of credit

• Analyzed Business Checking - Public Funds, Choice IV - U.S. Government Account, and Analyzed Business Checking Plus - Public Funds are not eligible for Overdraft Protection Please refer to the “Service fees” section for details on overdraft, Overdraft Protection transfer fee, and returned item fees .

What are your statement and check image options?

All account holders receive free online or paper statements of their checking accounts . This service includes free check safekeeping .

Check image options

For an additional fee, you can enroll in our check image program . You have two different monthly check return/image options available to you:

1 . Classic: 10 checks per page . Image includes the front of checks only .

The monthly fee is $2 up to 75 check images, then $0 .03 per image exceeding 75 . 2 . Premium: 5 checks per page . Image includes the front and back of checks .

The monthly fee is $4 up to 75 check images, then $0 .06 per image exceeding 75 .

(22)

23 tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec king Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

(23)

Analyzed account transaction categories

If you have an analyzed account, the Bank provides you with account analysis information either in a separate account analysis statement or as part of your regular account statement . Transactions that are combined into different categories for calculating volumes and Bank fees are listed on the account analysis statement . These same transactions are reported individually with details on your regular account statement .

The categories and transactions are subject to change at the Bank’s discretion . The following are analyzed accounts:

• Wells Fargo Analyzed Business Checking with Interest – IOLTA • Wells Fargo Analyzed Business Checking

• Wells Fargo Analyzed Business Checking – Public Funds • Wells Fargo Choice IV – U.S. Government Account • Wells Fargo Analyzed Business Checking Plus

• Wells Fargo Analyzed Business Checking Plus – Public Funds • Wells Fargo Analyzed Business Checking Select

Transaction categories and the types of transactions in each category are listed below .

Checks paid

Consists of checks or drafts presented for payment on your account, including checks that are presented electronically

Debits posted

Consists of the following types of transactions: • ACH settlement debit

• Other ACH debits • Automatic transfer • Bill pay

• Book transfer debit • Brokerage settlement debit • Cash vault change order

• Controlled Disbursement (CDR) Funding Account Debit • International money transfer debit

• Merchant refunds • Preauthorized debit • Sweep debit

• Telephone transfer withdrawal • Withdrawal made at a banking location • Wire transfer withdrawal

• Zero balance account transfer • Other debits

(24)

25 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec king Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Electronic credits posted

Consists of the following types of transactions: • Merchant services credit

• Direct deposit • Wire transfer deposit • Zero balance account transfer • Book transfer credit

• International money transfer credit • Desktop Deposit®

• Online direct credit • Brokerage credit settlement

• Controlled Disbursement (CDR) Funding Account Credit • ACH debit returned item

• Other ACH credits • Electronic lockbox deposit • Sweep credit

• Telephone transfer deposit • Electronic check deposit • Automatic transfer • Other electronic credits

Deposit

(25)

Business savings accounts

Wells Fargo Business Market Rate Savings

Savings designed for New and growing businesses looking to build savings for the

future .

Monthly service fee $6

Options to avoid the

monthly service fee Avoid the fee with one of the following each fee period: • $500 average collected balance

• A total amount of $25 or more of automatic transfers each month from a Wells Fargo business checking account into this savings account

Minimum opening deposit $50

Deposited items fee - This refers to any combination of deposited items, including paper and electronic .

• First 20 per month - No charge • Over 20 per month - $0.50 each

Cash deposited fee • First $5,000 per month - No charge

• Over $5,000 per month - $0.30 per $100 deposited

Excess activity fees1 $15 per withdrawal or transfer

Interest Please refer to the current business deposit rate sheet for

current rates in your banking location . Interest is: • Earned on the entire daily collected balance

• Compounded daily and paid monthly using a 365-day year

• A variable rate that the Bank can change at any time

Check writing Permitted – subject to limitations1

1 Certain withdrawals and transfers from a savings account are limited by Regulation D and Wells Fargo to

a combined total of six (6) per monthly fee period . If the limit is exceeded, an excess activity fee for each withdrawal or transfer will be assessed. Please refer to the sub-section titled “Regulation D savings account transaction limit and other limited activity” located at the end of the Savings section in this Schedule for complete details .

26 Business Account Fee And Information Schedule – July 15, 2015 (BBG6788)

Public fund entities seeking liquidity and

competitive rates . Established businesses looking to maximize available funds .

$10 $15

Avoid the fee with one of the following each fee period:

• $2,500 minimum daily balance • $5,000 average collected balance

Avoid the fee when you maintain a $10,000 minimum daily balance each fee period

$50 $50

• First 20 per month - No charge • Over 20 per month - $0.50 each

• First 20 per month - No charge • Over 20 per month - $0.50 each

Permitted – subject to limitations1 Permitted – subject to limitations1

Wells Fargo Business Market Rate Account – Public Funds

• First $5,000 per month - No charge • Over $5,000 per month - $0.30 per $100

deposited

$15 per withdrawal or transfer $15 per withdrawal or transfer Please refer to the current business deposit

rate sheet for current rates in your banking location . Interest is:

• Earned on the entire daily collected balance

• Compounded daily and paid monthly using a 365-day year

• A variable rate that the Bank can change at any time

Wells Fargo Business Platinum Savings

• First $5,000 per month - No charge • Over $5,000 per month - $0.30 per $100

deposited

Please refer to the current business deposit rate sheet for current rates in your banking location . Interest is:

• Earned on the entire daily collected balance

• Compounded daily and paid monthly using a 365-day year

(26)

Additional information - Business Market Rate Savings, Wells Fargo Business Market Rate Account - Public Funds, and Wells Fargo Business Platinum Savings Account

What are your statement and check image options?

All account holders receive free online or paper statements of their checking and savings accounts . This service includes free check safekeeping .

Check image options

For an additional fee, you can enroll in our check image program . You have two different monthly check return/image options available to you:

1 . Classic: 10 checks per page . Image includes the front of checks only . The monthly fee is $2 per month .

2 . Premium: 5 checks per page . Image includes the front and back of checks . The monthly fee is $3 .50 per month .

Additional information regarding the check image options service:

• The fee for this service is only assessed when check images are returned in your account statement .

• This service is not available with online statements .

(27)

29 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec kin g Sa vin gs CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Regulation D savings account transaction limit and

other limited activity

Regulation D and Wells Fargo limit certain types of withdrawals and transfers from a savings account to a combined total of six (6) per monthly fee period:

Limited by Regulation D:

• Transfers by phone using an automated banking service or speaking with a banker on the phone

• Transfers or payments through online, mobile, and text banking (including Bill Pay and Wells Fargo SurePaySM)

• Overdraft Protection transfers to a checking account

• Pre-authorized transfers and withdrawals (including recurring and one time)

• Payments to third parties such as checks, drafts, or similar transactions (counted when they are posted to the account and not when they are written)

• Debit or ATM card purchases that post to the savings account

• Transfers or payments made in person using the Wells Fargo SurePay service at a Wells Fargo ATM

- To your account at another financial institution - To a third party’s account at Wells Fargo

- To a third party’s account at another financial institution

Limited by Wells Fargo:

• Transfers and payments to Wells Fargo credit cards, lines of credit, and loans • Outgoing wire transfers whether made in person, on the phone, or online

• Transfers or payments made in person using the Wells Fargo SurePay service to your Wells Fargo account at a Wells Fargo ATM

If you have more than six (6) transactions listed above, you will be charged an excess activity fee (see “Service fees” section).

Not limited:

Except as limited above, there is no limit on the following in person transactions at a Wells Fargo ATM or banking location:

- Transfers between your Wells Fargo accounts - Withdrawals

(28)

Wells Fargo Business Time Account (CD)

Account designed for Businesses with cash reserves that can be held for a specific

length of time . It offers guaranteed fixed interest rates with different terms to choose from .

Minimum opening deposit $2,500

Terms • From 3 months to 144 months (12 years)

• From 14-day to 365-day terms also available for balances of $100,000 or more

Interest rate The rate in effect when you open or renew the CD is fixed for

the term of the deposit . Withdrawals during term of

account You pay an early withdrawal fee if you withdraw funds from your account before the term is complete. (See “Early

withdrawal fee and Regulation D penalty” section on page 32)

Interest payment options For all accounts, interest compounds daily .

You have options to customize your interest payments in the following ways:

• For terms of 12 months (365 days) or less, you may choose to have your interest paid

- Monthly, - Quarterly, - Semi-annually, or - At maturity (end of term) .

• For terms of 12 months or more, you may choose to have your interest paid

- Monthly, - Quarterly, - Semi-annually, or - Annually .

• You may choose to have your interest payments - Re-deposited into your CD,

- Transferred to a Wells Fargo checking or savings account, or

- Paid by check if your CD has a minimum balance of $5,000 .

Table continues on the following page.

(29)

31 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec kin g Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Time Accounts (CDs)

Wells Fargo Business Time Account (CD)

Renewal Most accounts renew automatically . Whether or not your

account automatically renews depends on its term . • CDs with terms of less than 30 days do not renew

automatically . If your CD does not renew automatically, and you do not withdraw the funds on the maturity date, the funds stop earning interest . The funds then become available for immediate withdrawal .

• CDs with terms of 30 days or more renew automatically at maturity unless you choose to withdraw the funds . At renewal, we will treat any interest that we re-deposited into your CD during the previous term as principal for your new term .

• Before your CD’s term ends, we want you to be prepared to choose your preferred renewal option . For CDs with terms of 30 days or longer, we will send you a notice approximately one month in advance reminding you of the maturity date .

• Unless we notify you otherwise, when your CD

automatically renews, three changes will occur when you reach the maturity date

1 . The new term begins and will be the same length as the original term .

2 . The new interest rate will be the Bank’s interest rate in effect for a same term and amount CD that day . 3 . The new interest rate begins .

• At each renewal period, we may change your CD’s interest rate, method of calculating interest, term, and any other CD provision . We will notify you about any changes that may be relevant to you or required by law .

Grace period A grace period begins the day after your CD matures and lasts

seven calendar days . From the maturity date through the grace period, you may, without a fee, do any of the following:

• Change the term

• Make additional deposits; no additional deposits to the CD are allowed outside this grace period

• Make withdrawals from the renewed amount, provided the withdrawal does not exceed the amount of the matured CD

• Make both additional deposits and withdrawals, provided the withdrawals do not exceed the amount of the matured CD

• Close the CD

The Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period .

Monthly service fee None

(30)

Wells Fargo Business Time Account (CD)

Early withdrawal fee and

Regulation D penalty You may have to pay an early withdrawal fee or a Regulation D penalty if you withdraw money from your CD before the CD

term ends .

Early withdrawal fee1

Other than the Regulation D penalty described below, any money you withdraw from your CD before the end of its term will be subject to an early withdrawal fee based on the length of the CD term if your term is

• Less than 3 months or less than 90 days, the fee is 1 month’s interest,

• Between 3 and 12 months or between 90 to 365 days, the fee is 3 months’ interest,

• Over 12 months through 24 months, the fee is 6 months’ interest, or

• Over 24 months, the fee is 12 months’ interest. The minimum fee is $25 .

Regulation D penalty

The Regulation D penalty is 7 days’ simple interest on the amount withdrawn and applies to the following:

• Withdrawals made within 7 days of account opening including the day the account was opened . • Withdrawals made during the grace period, when

additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance .

Exceptions to the early withdrawal fee and the Regulation D penalty

• Death of the CD owner

• Death of the grantor of a revocable family/living/Totten trust

• Court determination that a CD owner is legally incompetent

• Retitling of a CD to transfer ownership of funds into a family/ living/Totten trust, without removing funds from Wells Fargo, provided no change of terms or rates occurs

1 We calculate the early withdrawal fee using the amount of principal you withdraw at your CD’s interest rate

at the time of withdrawal . The fee is calculated by multiplying the interest rate by the amount of principal withdrawn then dividing that total by 12 to arrive at one month’s interest . We will deduct your early withdrawal fee from your earned interest . If the fee is greater than your earned interest, then we will deduct the difference from the principal amount of your CD .

(31)

33 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec kin g Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Time Accounts (CDs)

Interest rate

Wells Fargo Business Step Rate Time Account (CD)

The variable interest rate in effect on the day you open the Step Rate CD increases every six months as shown on your Time Account receipt/disclosure .

You have options to customize your interest payments in the following ways:

• You may choose to have your interest paid - Monthly,

- Quarterly, - Semi-annually, or - Annually

• You may choose to have your interest payments - Re-deposited into your CD,

- Transferred to your Wells Fargo checking or savings account, or

- Paid by check if your CD has a minimum balance of $5,000

Account designed for Businesses with cash reserves that can be held for 24 months

and are looking for guaranteed, automatic interest rate increases with an account that offers the flexibility to make penalty-free partial withdrawals during the term of the CD . Minimum opening deposit $2,500

Terms 24 months

Withdrawals during term of

account You have three opportunities during your term to withdraw funds without a fee if you follow these guidelines:

• Beginning on the day of each of the three interest-rate increases, you have five business days to make one partial withdrawal of funds from your CD . But you must keep your balance above $2,500 or we will assess an early withdrawal fee on the entire amount you withdraw • If your interest rate increases on a non-business day, then

your five-day withdrawal period will begin on the next business day

• You will pay an early withdrawal fee if you make an early withdrawal outside the three, five-day withdrawal periods, or if you withdraw funds more than once during any of the five-day periods

• We will calculate any early withdrawal fee using the interest rate in effect at the time of the early withdrawal Interest payment options

For all accounts, interest compounds daily .

(32)

Wells Fargo Business Step Rate Time Account (CD)

Renewal Your CD will automatically renew into a standard (non-step),

24-month fixed rate Time Account (CD) .

• Before your CD’s term ends, we want you to be prepared to choose your preferred renewal option . Approximately one month in advance, we will send you a notice reminding you of the maturity date .

• Unless we notify you otherwise, when your CD

automatically renews, three changes will occur when you reach the maturity date:

1 . The new term begins and will be the same length as the original term .

2 . The new interest rate will be the Bank’s interest rate in effect for a same term and amount CD that day . 3 . The new interest rate begins .

• At each renewal period, we may change your CD’s interest rate, method of calculating interest, term, and any other CD provision . We will notify you about any changes that may be relevant to you or required by law .

Grace period A grace period begins the day after your CD matures and

lasts seven calendar days . From the maturity date through the grace period, you may, without a fee, do any of the following:

• Change the term

• Make additional deposits; no additional deposits to the CD are allowed outside this grace period

• Make withdrawals from the renewed amount, provided the withdrawal does not exceed the amount of the matured CD

• Make both additional deposits and withdrawals, provided the withdrawals do not exceed the amount of the matured CD

• Close the CD

The Bank does not pay interest from the maturity date to the date of withdrawal on any funds withdrawn during the grace period .

Monthly service fee None

Table continues on the following page.

(33)

35 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec kin g Sa vi ng s CD s Se rv ic e f ees A ddi tio na l t er m s G los sar y

Time Accounts (CDs)

Early withdrawal fee and Regulation D penalty

Wells Fargo Business Step Rate Time Account (CD)

You may have to pay an early withdrawal fee or a Regulation D penalty if you withdraw money from your CD before the CD term ends in one of the following events:

• You make a withdrawal outside of the three withdrawal periods

• You make more than one withdrawal during a withdrawal period

• If a withdrawal drops your balance below the minimum opening deposit amount at any time

Early withdrawal fee2

Other than the Regulation D penalty described below, any money you withdraw from your CD before the end of its term will be subject to an early withdrawal fee of six months’ interest . The minimum fee is $25 .

Regulation D penalty

The Regulation D penalty is 7 days’ simple interest on the amount withdrawn and applies to the following:

• Withdrawals made within 7 days of account opening including the day the account was opened

• Withdrawals made during the grace period, when additional deposits are made during the grace period and the withdrawal exceeds the amount of the matured CD balance

Exceptions to the early withdrawal fee and the Regulation D penalty

• Death of the CD owner

• Death of the grantor of a revocable family/living/Totten trust • Court determination that a CD owner is legally incompetent • Retitling of a CD to transfer ownership of funds into a

family/living/Totten trust, without removing funds from Wells Fargo, provided no change of terms or rates occurs

We calculate the early withdrawal fee using the amount of principal you withdraw at your CD’s interest rate at the time of withdrawal . The fee is calculated by multiplying the interest rate by the amount of principal withdrawn then dividing that total by 2 to arrive at six month’s interest . We will deduct your early withdrawal fee from your earned interest . If the fee is greater than your earned interest, then we will deduct the difference from the principal amount of your CD .

(34)

Wells Fargo Public Funds Time Account (CD)

AK, AL, AR, AZ, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, MD, MI, MN, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OR, PA, SC, SD, TN, TX, VA, WA, WI, WY

Time Accounts for public funds entities are subject to the same terms and conditions as Business Time Accounts, except for the following terms:

• Public funds are not eligible for Business Step Rate Time Accounts (CD).

Time Accounts for public funds entities in California and Utah are subject to the same terms and conditions as Business Time Accounts, except for the following terms:

• Interest is compounded daily from the date of deposit to the maturity date using a 360-day year .

• Public funds are not eligible for Business Step Rate Time Accounts (CD).

(35)

37 In tro du cti on & B an kin g s er vic es M on th ly fe es Ch ec kin g Sa vi ng s CD s Se rvi ce fe es A ddi tio na l t er m s G los sar y

Service fees

What service fees can you expect when using your account?

When using your Wells Fargo accounts, you will pay charges for conducting specific

transactions and for using specific services . We base your account fees on the type of account you have and the services you use .

For answers to any questions you may have about fees and services, please contact a banker at your local banking location or call 1-800-CALL-WELLS (1-800-225-5935) .

ACH origination fees1

ACH payments set-up fee $375 per occurrence

ACH payments base fee $55 per month

(AL, CT, DC, DE, FL, GA, MD, MS, NC, NJ, NY, PA, SC, TN, VA)

$40 per month

(AK, AR, AZ, CA, CO, IA, ID, IL, IN, KS, MI, MN, MT, ND, NE, NM, NV, OH, OR, SD, TX, UT, WA, WI, WY)

ACH originated – addenda record $0 .05 each

ACH vendor monthly base $75 per month

ACH payments online batch release $5 per batch

ACH payments same day item $1 .50 each

ACH payments one day item $0 .25 each

ACH payments two day item $0 .25 each

These Wells Fargo fees may be offset by the earnings allowance on Wells Fargo Analyzed Business Checking, Wells Fargo Analyzed Business Checking – Public Funds, Wells Fargo Choice IV – U .S . Government Account, or Wells Fargo Analyzed Business Checking Select .

References

Related documents

Wells Fargo Securities, LLC, distributes this report directly and through aliates including, but not limited to, Wells Fargo & Company, Wells Fargo Bank N.A., Wells Fargo

Wells Fargo Securities, LLC, distributes these publications directly and through subsidiaries including, but not limited to, Wells Fargo & Company, Wells Fargo Bank N.A.,

Wells Fargo Securities, LLC, distributes this report directly and through aliates including, but not limited to, Wells Fargo & Company, Wells Fargo Bank N.A., Wells Fargo

Wells Fargo Securities, LLC, distributes this report directly and through aliates including, but not limited to, Wells Fargo & Company, Wells Fargo Bank N.A., Wells Fargo

See the Wells Fargo Rewards® Program for Wells Fargo Advisors Premium Rewards Visa Signature Terms and Conditions or the Wells Fargo Advisors Platinum Cash Back Program Rules

This section applies to the following accounts: Wells Fargo Business Choice Checking Wells Fargo Platinum Business Checking Wells Fargo Simple Business Checking Wells

Wells Fargo Securities, LLC, distributes this report directly and through aliates including, but not limited to, Wells Fargo & Company, Wells Fargo Bank N.A., Wells Fargo

Wells Fargo Securities, LLC, distributes this report directly and through aliates including, but not limited to, Wells Fargo & Company, Wells Fargo Bank N.A., Wells Fargo