Wells Fargo has three checking bonuses right now. Up to $325 for Everyday Checking, $125 for Clear Access Banking and up to $825 for eligible business checking accounts.
The $325 Everyday Checking bonus is the best offer. You just need $1,000 in qualifying direct deposits within 90 days of opening the account.
Watch the expiration dates. The personal checking offers expire October 13, 2026, and the business checking offer expires November 10, 2026.
This summary was generated by AI and may contain errors or omissions.
Wells Fargo is one of the largest banks in the US, and typically has a few checking bank account bonuses available.
With over 70 million customers worldwide, and among one of the Big Four, Wells Fargo is a titan compared to many other banks in the United States. If you were looking to switch to Wells Fargo, compare the bank’s current bank account bonuses up for grabs to earn some extra money as a new customer.
Just keep in mind that most bonus offers have some stipulations; so read the terms and conditions carefully.
All Wells Fargo checking bonuses at a glance
Bonus type
Bonus amount
Requirements
Learn more
Everyday Checking Account
Up to $325
Open a new Everyday Checking Account, and then make at least $1,000 in qualifying direct deposits within 90 days of opening the account. Bonus is delivered within 30 days of meeting requirements. Expires October 13, 2026.
Open a new Clear Access Banking account, and make at least 10 qualifying posted transactions within 60 days of opening. Bonus is delivered within 30 days of meeting requirements. Expires October 13, 2026.
Initiate Business Checking (or another eligible Wells Fargo business account with a minimum $25 opening deposit requirement)
Up to $825:
$400 bonus with $2,500 deposit
$550 bonus with $10,000 deposit
$825 bonus with $25,000 deposit
Open an eligible Wells Fargo business account. Afterward, deposit a total amount within 30 days of opening and maintain the balance for 60 days to earn a cash bonus. Expires November 10, 2026.
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Wells Fargo’s best bonus offer
Considering the amount of work, reward, accessibility and simplicity of all three Wells Fargo checking bonuses up for grabs, we think the $325 Everyday Checking Account bonus is the best offer currently.
It offers $325 for direct deposits of at least $1,000 total within 90 days of account opening. That offer is flexible, reasonable and doesn’t have any other balance or transaction requirements.
The Everyday Checking Account may not be the best checking account we’ve ever seen, but it does have multiple ways to waive the monthly fee, supports checks, can use Zelle, gives you access to the bank’s large ATM and branch network and offers an optional overdraft protection program. And of course, Wells Fargo is an FDIC insured institution.
As always, be sure that you want the account you’re opening — bonuses are great, but consider the account’s fees, accessibility and how it fits in your wallet.
Incentive Details and Disclaimers: Current Promotion
Earn a $250 bonus with 360 Checking. Open a new account on or after August 22nd, 2024 using the promo code CHECKING250 then set up and receive at least 2 qualifying direct deposits of $500 or more within 75 days of account opening. Terms Apply.
What does Wells Fargo consider a qualifying direct deposit?
Wells Fargo considers salary, government benefit payment or other income that has been posted to your account through the ACH, RTP, FedNow or a third-party that facilitates payments to your debit card.
Deposits from other methods, such as transfers from another account, mobile check deposits, Zelle deposits or ATM deposits are not considered qualifying direct deposits.
What does Wells Fargo consider a qualifying transaction?
Wells Fargo considers these transaction types as “qualifying” when considering the Clear Access Banking account bonus (just remember they must be “posted” to count):
Who is eligible for Wells Fargo checking bonus offers?
The Wells Fargo bonus offers are not available to customers that received a bonus for a Wells Fargo consumer checking account within the past 12 months.
Additionally, for the Wells Fargo business checking account bonus, Wells Fargo must confirm that you and your business are legitimate before account approval. The business account application will require information about your business, the business owners, a credit check, verification that your business is registered with a government agency and much more.
Do I need a code to earn a Wells Fargo checking account bonus?
Yes, but getting the code is easy. You simply get the code by applying for the account on the bonus page’s landing page by selecting the red button titled “Open online >>>.” When you do this, the bonus offer code is automatically applied to your online application. Nice and streamlined!
If you’d rather go to a branch to open a Wells Fargo checking account, you can simply enter your email address to have the offer code sent to you, and then take the code with you to the branch location for the application process.
Wells Fargo has a decent spread of checking account bonus offers, but if you’re not sure that Wells Fargo is the right fit, compare the best bank account bonus offers right now.
Frequently asked questions
Yes, Wells Fargo is compatible with the money service Zelle. You can access Zelle in the Wells Fargo mobile app, and use it if you have a deposit account (such as a checking or savings account).
No, not usually. Banks and credit unions almost always require customers to meet some requirements in order to earn a new bank account bonus, such as setting up direct deposit or depositing a lump sum of cash. And even after meeting the requirements, it might take a few weeks for the bonus cash to be delivered to your account. In general, plan on needing to wait a few weeks to earn a bank account bonus.
Yes, you can earn this bonus by opening the account online with the bonus code applied automatically. Or you can request an offer code via email, and then open the account in a branch.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine.
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