Using Wells Fargo small business online banking services will save you time and efficiently control costs. Saving money on Wells Fargo small business online banking runs the gamut from securing small business loans to using Wells Fargo business banking online for your payroll needs.

After you consider your business needs, getting information on Wells Fargo small business online banking will supply you with cost-saving solutions. Wells Fargo Foreign Exchange Online for Small Business is a new, award-winning product for managing foreign exchange expenses.

1. The basis of Wells Fargo small business online banking is Microsoft Office Accounting Software.

2. You can choose to buy a small business package of services from Wells Fargo business banking online or get a customized package to control and keep track of costs.

3. Wells Fargo Foreign Exchange Online for Small Business, a new feature from Wells Fargo business banking online, won the Innovation Award for 2009.

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Use Wells Fargo Small Business Online Banking to defray business costs

Small businesses share basic banking needs such as checking accounts, business saving accounts, credit cards, lending services, cash management for wire transfers and other things such as import/export and payroll.

I recommend: Wells Fargo's Bill Pay allows you to pay all your bills online, including invoices and rent. This service is free if you have $25,000 in combined business and checking accounts. A service charge is required in other cases. Test its ease of use with the online demonstration.

Cut back on time spent paying payroll and taxes with Wells Fargo business banking online

Preparing and making payroll and paying taxes with products from the Wells Fargo online solutions allows you to keep track of costs and schedule payments and avoid late fees or charges.

I recommend: Wells Fargo Direct Pay allows you to make payments to employees and vendors in any part of the US. WellsTAX allows you to make payments 24/7 for federal, state and business taxes. Payments are received the next day and you can avoid late fees or penalties that can occur when mail is lost or late.

Save time and money using Wells Fargo business banking online for forex

A new Wells Fargo small business online banking service is its foreign exchange online service. If you are doing business overseas, getting exchange rates in real time and locking into them can save you a heap.

I recommend: Wells Fargo foreign exchange product deals with 100 currencies. It creates customized reports for all your transactions. This product requires enrollment in a Wells Fargo Business Services Package.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Wells Fargo will work with you to create and customize a small business banking program for your company's needs.
• •  Saving time and money is one of the benefits of online banking. Information about Wells Fargo small business online banking and any additional fees and charges associated with its products and services should be investigated. Inquire into checking account polices for the costs of bounced checks or moving money from one account to another so you are not caught surprised by banking penalties.

Online banking offers time savings, organization and business solutions. Whether you’re the sole proprietor or a small business with many employees Wells Fargo business banking online offers financial products that fit your needs.

Educational information on Wells Fargo small business online banking includes starting a new business and year-end planning among others. Additional resources include webcasts, newsletters and solutions by industry. Consider the following solutions for your online business needs:

1. Obtain small business banking online with checking and savings options.

2. Choose the right loan options with a line of credit to grow your business.

3. Use mobile access to your account with your smart phone.

4. Apply Intuit or Microsoft software to save time with Wells Fargo small business online banking solutions.

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Enroll in a checking and savings account to begin your online banking service

Choose the Wells Fargo small business online banking account that fits your business. The company offers low activity and basic business checking, non-profit, merchant, active and cash management accounts with interest. See the information about Wells Fargo small business online banking savings accounts and choose your account. Savings accounts for online banking service include business market rate, performance, time (CD) and money market accounts.

I recommend: Select your state from the drop down list at Checking State Selector then click “Continue” to find the checking services offered in your area. Select your state from the Savings State Selector for online savings accounts then choose your account.

See loan services for Wells Fargo business banking online

Benefits of online banking include up to $100,000 line of credit, fixed rate business loans and SBA loans.

I recommend: Choose the loan that best fits your business by clicking on the particular Loans and Lines of Credit.

Get Wells Fargo small business online banking services through mobile access

Obtain 24/7 access to your account with your phone's browser or via text messaging with Wells Fargo Mobile that offers free access. The service applies to checking, credit card, equity line and more.

I recommend: For information and enrollment go to Wells Fargo Mobile.

Use your favorite financial software with Wells Fargo online banking

Wells Fargo small business online banking services give you the option to integrate your favorite financial software. Quickly reconcile business accounts, pay bills and transfer money among other things. QuickBooks and Microsoft Office Accounting software offer more flexibility. A base monthly fee allows 25 monthly connections, after that an incurred cost applies per connection.

I recommend: Go to QuickBooks to enroll with monthly fee. For businesses with just a few employees consider Quicken for your online banking software. Use Microsoft Office Accounting software for advanced accounting operations. Download your account information with Microsoft Money software good for the sole proprietor or for a multiple employee business.

Use Wells Fargo small business online banking for your payment solutions

Schedule and pay your businesses bills online or use Direct Pay for next day payments. Choose Foreign Exchange Online for transactions involving foreign currency. Pay your business taxes online with WellsTax.

I recommend: Select from the Online Payment Solution that suits your business for information on Wells Fargo small business online banking and enrollment.

See the overview and enroll in a Wells Fargo business banking online account

An overview of account features with information on Wells Fargo small business online banking features with FAQ's and an online demo. Basic requirements include Social Security number, business account number, ATM pin and email address.

I recommend: Go to Wells Fargo Business Online Banking to enroll or see bullet point account features.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  As part of its online banking services, you will need to upgrade QuickBooks because Intuit no longer supports QuickBooks 2005.

Wells Fargo business banking online is designed to help small businesses operate efficiently, quickly and at reasonable costs. Find out what advice others have for Wells Fargo small business online banking services. And how its services are rated.

You can gather Wells Fargo Small Business Online Banking advice and ratings from different resources such as articles, blogs, websites and by talking with people. Wells Fargo is the U.S.'s #1 lender to small businesses. Use advice and ratings to assess Wells Fargo small business online banking solutions for your company.

1. Read about choosing a bank for a small business.

2. Get information about Wells Fargo small business online banking to compare with other banks' online services.

3. Talk to bankers and small business owners to get advice on Wells Fargo small business online banking.

4. Wells Fargo small business online banking is known for its charges and fees; however, these are negotiable.

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Learn about small business banking and compare with Wells Fargo small business online banking

Choosing a bank to work with is a big deal. Information on Wells Fargo small business online banking will give you an idea of what you need but get advice first from experts regarding online banking services for small businesses generally.

I recommend: The Wall Street Journal gives good advice on small business banking needs. Gaebler, another small business resource, brings up pertinent points regarding fees.

Check out what others have to say about Wells Fargo business banking online

Small business banking online is actually big business. Banks compete in terms of technology and customer satisfaction. Look to see where Wells Fargo online banking stands.

I recommend: Change Sciences, a benchmarking company, rated Wells Fargo small business banking services one of the top three in the nation. More recently, Barlow Research gave Wells Fargo two innovation awards for its online banking technology--one for small business foreign exchange and the other for personal banking.

Find local information for Wells Fargo small business online banking

In a bank of this magnitude, customer service can be experienced differently depending on which branch you use. Check out local sources for advice about Wells Fargo small business online banking.

I recommend: The Better Business Bureau (the BBB) is a consumer's best friends. You can use this site to see if the branch in your area has ever had complaints made against it, or if it's even a member of the BBB. You can also lodge a complaint if you believe that charges are unjustified. Visible Banking is an example of blogs that keep an eye on technology used by banks such as Wells Fargo.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Ask about Wells Fargo small business online banking tech support. Inquire about additional fees and charges for services, too.

Selecting where to do your business banking is a hard decision. Many businesses choose Wells Fargo because of the variety of services they offer to businesses. If you have selected Wells Fargo as your bank of choice, you should become familiar with the unique names and terms of their business banking features so you can get the most out of what they have to offer. The following Wells Fargo terms are a great place to start.

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Budget Watch

Budget Watch is an online banking tool that allows business customers to create a budget and monitor expenses. You can also track goals and use a 'what's left' function to see what money is still available in your budget.

I recommend: For an overview of Budget Watch and its features, Reed Business Information has posted an article detailing Budget Watch from Wells Fargo.

Online Business Suite

The Wells Fargo Online Business Suite is basically a fancy name for the payment center. This business suite is where you can use online bill pay, set up direct deposit to pay employees, take care of taxes and exchange currency.

I recommend: A chart of all of the services available in the Wells Fargo Online Business Suite can be found on the Wells Fargo site.

Merchant services

Merchant services is the service that Wells Fargo offers businesses for accepting payments from clients and customers.

I recommend: Authorize.net has a brief overview of the merchant services that Wells Fargo offers. For specific details, visit the Wells Fargo site.

Financial management software integration

Wells Fargo can integrate its services with the financial software that you may already be using to manage your business such as Quickbooks, Quicken, and Microsoft Money through use of their financial management software.

I recommend: To find out how this service works, you will want to visit the Wells Fargo site dealing directly with their financial management software.

Online invoicing

Online invoicing by Wells Fargo is the ability to send invoices and receive invoice payments online.

I recommend: Find out more about online invoicing for businesses on WellsFargo.com.

Alerts

Wells Fargo can send email alerts regarding transactions on your business account. You can choose what type of transactions and events you would like to be alerted about, such as credit card purchases, payments or when account balances fall below a specified amount.

I recommend: American City Business Journals an article that gives a brief summary of Walls Fargo's alerts. The Wells Fargo site has a sample posted of what alerts will look like in your email.