Wells Fargo Financial

Wells Fargo & Co is an international brand offering diversified financial services. Wells Fargo financial servicesinclude banking and express services such as lending, savings, investment and insurance. Offering services for more than a century, the name Wells Fargo reflects trust and financial freedom of US citizens.

 

Henry Wells and William G. Fargo, co-founders of American Express, began Wells Fargo financial services in 1852. Initially the company had express and banking operations only in California. Subsequently, it emerged as one of the top financial service providers to US citizens. In 2007, Well Fargo was the only US bank to receive an AAA rating by Standard & Poor's (S&P). Over the years, Wells Fargo has undergone several acquisitions (Wachovia in 2008) to extend its customer base. However, it maintains its headquarters at San Francisco, California and charter in South Dakota.

 

Wells Fargo financial services for individuals include banking, lending, investing and insurance. The company offers both online and brick and mortar banking. It provides checking account, savings account, certificates of deposit (CDs) and credit card services. Under lending services, home equity, auto loans, home mortgage, student loans and personal loans are available to qualifying customers. Investment services include retirement solutions (401 k), insurance plans and mutual funds.

 

Wells Fargo financial services for small businesses comprise of checking accounts, savings, CDs, loans, lines of credit and business cards. The company also provides POS (point-of-sale) terminals for accepting payments through credit/debit cards. Specialized small business financial solutions include invoicing, foreign exchange online, business transactions, employee salary payments and international business services.

 

For managing a commercial electronic office, Wells Fargo financial services offer antifraud strategies and risk protection plans. These services are provided through Wells Fargo agents, with relative specialization in a particular industry. These agents consult the clients on their business needs and recommend Wells Fargo financial products accordingly. The wide array of commercial services comprises of treasury management, financing, investment solutions, employee benefits and shareholder services.