$400 Wells Fargo Checking Bonus – Available Online

Update 5/20/26: Extends through July 7, 2026.

Update 4/8/26: Extends through May 19, 2026.

Update 2/26/26: Extends through April 7, 2026

Offer at a glance

• Maximum bonus amount: 400 dollars
• Availability: On a national scale
• Direct deposit required: Yes, $1000+
• Additional requirements: ANY
• Hard/soft pull: Soft
• ChexSystems: Mixed reports are unlikely to attract
• Credit card financing: ANY
• Monthly fees: $15, avoidable
• Early account closure fee: none, don’t close the account immediately please
• Family boundary: ANY
• Expiration date: January 6, 2023 February 27, 2023 April 10, 2023 August 21, 2023 October 10, 2023 April 9, 2024 May 21, 2024

Offers

Direct link to the offer

• Wells Fargo offers a $400 bonus when you open a new Daily Checking account and meet the following requirements:
  • Get a total of 1000 dollars 3000 dollars $1,000 or more in qualifying direct deposits into the new checking account within 90 calendar days of account opening (qualifying period)

Fine Press

Eligibility Requirements:

• This offer is for new checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer, except checking accounts offered by Wells Fargo Private Bank.
• You must use your bonus offer code at account opening when you apply for a new qualified Wells Fargo checking account.
• You are not eligible for this offer if:
  • You are a current owner of a Wells Fargo consumer checking account
  • You received a bonus for opening a Wells Fargo consumer checking account within the last 12 months
  • You are an employee of Wells Fargo

Bonus Requirements:

1. Open a new Wells Fargo consumer checking account with a minimum opening deposit of $25 by January 6, 2023. All account applications are subject to approval.
2. Within 90 calendar days of account opening (“qualifying period”), receive a total of $1,000 or more in qualifying direct deposits into your new checking account.
   • A qualified direct deposit is an automatic electronic ACH (Automated Clearing House) deposit of your salary, pension, social security or other regular income into your bank account. Confirm with the employer or agency or company making these payments that they use the ACH network.
   • Transfers from one account to another, mobile deposits or deposits made at a branch or ATM do not qualify as a direct deposit.
   • A direct deposit available early with Early Payday does not count towards the bonus requirements until it is posted to your account and is no longer pending (eg the payment date scheduled by your payer).

Bonus payment:

• Once the 90-day qualifying period has passed, we’ll determine whether you’ve met the offer’s requirements and deposit any bonus earned into your new checking account within 30 days.
• The new checking account must remain open throughout the 90-day qualification period and at the time we attempt to deposit any bonus payments earned. Please note that an account with a zero balance may be closed by us without prior notice, as further described in the Deposit Account Agreement.
• You are responsible for any federal, state or local taxes on the bonus and we will report it as income to the taxing authorities if required by applicable law. Consult your tax advisor.

Additional Terms and Conditions:

• Offer expires January 6, 2023. However, offer may be terminated or changed at any time prior to expiration date without notice.
• The offer cannot be:
  • Payable without a valid US Taxpayer Identification Number (Form W-9 for US persons including a resident alien). Nonresident aliens who sign Form W-8 are not eligible for the offer.
  • Combined with any other consumer deposit offer (limit one bonus per customer/account).
  • Reproduced, bought, sold, transferred or traded.
• The actions required to earn this bonus are separate and distinct from the options available to avoid any monthly service charges applicable to the checking account you have opened. Talk to a banker or see “Consumer Account Fee and Information Plan and Deposit Account Agreement” to check full account details, including the applicable monthly service charge and options to avoid it.

Avoidance of fees

Monthly fees

The Daily Checking account comes with a monthly fee of $15. Waive the fee with one of the following:

• Minimum daily balance $500. The minimum daily balance will increase to $1,500 for rate periods beginning on or after October 25, 2025.
• For rate periods beginning on or after October 25, 2025: $5,000 or more in qualifying deposit balances, investment balances, or both
• $500 or more in total qualifying electronic deposits1
• The primary account owner is 17-24 years old2
• A related one Wells Fargo Campus ATM Card or Campus Debit Card3
• A qualifying non-civilian military monthly direct deposit with Wells Fargo’s Worldwide Military Banking Program4

If you have a Wells mortgage, you may be able to get a higher tier account with no fees.

Early account termination fee

There is no fee for early account closure.

Our verdict

$400 is one of the best variations of this bonus and is worth doing. I will add this to ours best bank account bonuses.

Hat tip to reader Paul K

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Post History:

• Update 2/26/24: Extended to 4/9/24 (ht Jeremy)
• Update 1/17/24: Extends through February 23, 2024.
• Update 11/14/23: Extends through January 16, 2024.
• Update 10/11/23: Extends through November 13, 2023.
• Update 8/22/23: Extends through October 10th
• Update 7/5/23: Offer back through August 21, 2023; Update 5/23/23: Extends through July 3, 2023. Update 4/11/23: Extends through May 22, 2023. Update 2/28/23: Deal has been reversed/extended until 4/10/23 (ht 14lopeza and Dan) Update 2/27/23: Today is the last day for the $325 deal. there are a new link $300 valid until March 28, 2023. (ht ReedMuller) Update 1/17/23: Offer is back and valid through February 27, 2023.