Wells Fargo $400 Checking Bonus – Obtainable On-line

Replace 1/14/26: Prolonged till February 24, 2026

Replace 11/19/25: Bonus now $400 (was $425) and legitimate January 13, 2026

Replace 10/1/25: Bonus elevated to $425. 

Prolonged to September 30, 2025

Replace 7/26/25: Necessities to maintain the account charge free are altering. The minimal each day stability will enhance to $1,500 for charge intervals that start on or after October 25, 2025.

Replace 7/9/25: Prolonged by means of August nineteenth

Replace 5/21/25: Bonus is now $400 (up from $325) requires $3,000 in direct deposits (up from $1,000)

Prolonged to July eighth 2025

Replace 4/13/25: Prolonged to Could twentieth

Replace 2/26/25: Prolonged to April 8, 2025

Provide has been prolonged to 4/8/25

Provide has been prolonged to 2/25/25

Replace 11/13/24: Prolonged to January 7, 2025

Provide prolonged to 11/12/24

Replace 8/21/24: Prolonged till October 1, 2024

Replace 7/10/24: Prolonged till August 20, 2024

Replace 5/22/24: Prolonged till July 9, 2024.

Replace 4/10/24: Prolonged by means of 5/21/24

Provide at a look

• Most bonus quantity: $425
• Availability: Nationwide
• Direct deposit required: Yes, $1,000+
• Further necessities: None
• Laborious/tender pull: Soft
• ChexSystems: Mixed reports, likely doesn’t pull
• Bank card funding: None
• Month-to-month charges: $15, avoidable
• Early account termination charge: None, don’t close account straight away please
• Family restrict: None
• Expiration date: January 6, 2023 February 27, 2023 April 10, 2023 August 21, 2023 October 10, 2023 April 9, 2024 Could 21, 2024

The Provide

Direct link to offer

• Wells Fargo is providing a $400 bonus while you open a brand new On a regular basis Checking account and full the next necessities:
  • Obtain a complete of $1,000 $3,000 $1,000 or extra in qualifying direct deposits to the brand new checking account inside 90 calendar days from account opening (the qualification interval)

The Tremendous Print

Eligibility Necessities:

• This provide is for brand new checking clients solely. All Wells Fargo shopper checking accounts are eligible for this provide except checking accounts provided by Wells Fargo Non-public Financial institution.
• You need to use your bonus provide code at account opening while you apply for a brand new eligible Wells Fargo checking account.
• You aren’t eligible for this provide if:
  • You’re a present proprietor of a Wells Fargo shopper checking account
  • You could have acquired a bonus for opening a Wells Fargo shopper checking account throughout the previous 12 months
  • You’re a Wells Fargo worker

Bonus Necessities:

1. Open a brand new Wells Fargo shopper checking account with a minimal opening deposit of $25 by January 6, 2023. All account functions are topic to approval.
2. Inside 90 calendar days of account opening (the “qualification interval”), obtain a complete of $1,000 or extra in qualifying direct deposits to your new checking account.
   • A qualifying direct deposit is an ACH (Automated Clearing Home) computerized digital deposit of your wage, pension, Social Safety, or different common revenue into your checking account. Affirm together with your employer or the company or firm making these funds that they use the ACH community.
   • Transfers from one account to a different, cellular deposits, or deposits made at a department, or ATM don’t qualify as a direct deposit.
   • A direct deposit made obtainable early with Early Pay Day doesn’t depend towards the bonus necessities till it posts to your account and is now not pending (e.g. the pay date scheduled by your payor).

Bonus Cost:

• As soon as the 90-day qualification interval has elapsed, we are going to decide in case you have met the provide necessities, and can deposit any earned bonus into your new checking account inside 30 days.
• The brand new checking account should stay open all through the 90-day qualification interval and on the time we try to deposit any earned bonus cost. Please word that an account with a zero stability could also be closed by us with out prior discover, as additional described within the Deposit Account Settlement.
• You might be accountable for any federal, state, or native taxes due on the bonus and we are going to report as revenue to the tax authorities if required by relevant regulation. Seek the advice of your tax advisor.

Further Phrases and Circumstances:

• Provide expires January 6, 2023. Nonetheless, provide could also be discontinued or modified at any time previous to the expiration date with out discover.
• Provide can’t be:
  • Paid and not using a legitimate U.S. Taxpayer Identification Quantity (Type W-9 for U.S. individuals together with a resident alien). Non-resident aliens, signing Type W-8 usually are not eligible for the provide.
  • Mixed with some other shopper deposit provide (restrict one bonus per buyer/account).
  • Reproduced, bought, offered, transferred, or traded.
• The actions required to earn this bonus are separate and distinct from the choices obtainable to you to keep away from any relevant month-to-month service charge for the checking account you opened.Speak with a banker or see the “Consumer Account Fee and Information Schedule and Deposit Account Agreement” for full checking account particulars, together with the relevant month-to-month service charge and choices to keep away from it.

Avoiding Charges

Month-to-month Charges

The On a regular basis Checking account comes with a $15 month-to-month charge. Get the charge waived with one of many following:

• $500 minimal each day stability. The minimal each day stability will enhance to $1,500 for charge intervals that start on or after October 25, 2025.
• For charge intervals that start on or after October 25, 2025: $5,000 or extra in qualifying deposit balances, funding balances, or each
• $500 or extra in whole qualifying digital deposits1
• Major account proprietor is 17-24 years old2
• A linked Wells Fargo Campus ATM Card or Campus Debit Card3
• A qualifying month-to-month non-civilian army direct deposit with the Wells Fargo Worldwide Military Banking program4
•  

You probably have a Wells mortgage, you may be capable of get a higher-level account with no charges.

Early Account Termination Price

There isn’t any early account termination charge.

Our Verdict

This isn’t pretty much as good because the $400 bonus we last saw in 2020, however it’s higher than the $300 bonuses we’ve got just lately seen. I don’t suppose that $400 bonus will come again any time quickly, however some may favor to attend for it. I’ll add this to our best bank account bonuses.

Hat tip to reader Paul Okay

Helpful posts relating to financial institution bonuses:

Publish Historical past:

• Replace 2/26/24: Prolonged by means of 4/9/24 (ht Jeremy)
• Replace 1/17/24: Prolonged till February 23, 2024.
• Replace 11/14/23: Prolonged till January 16, 2024.
• Replace 10/11/23: Prolonged till November 13, 2023.
• Replace 8/22/23: Prolonged by means of October tenth
• Replace 7/5/23: Provide is again by means of August 21, 2023; Replace 5/23/23: Prolonged by means of July 3, 2023. Replace 4/11/23: Prolonged by means of Could 22, 2023. Replace 2/28/23: Deal is again/prolonged by means of 4/10/23 (ht 14lopeza and Dan) Replace 2/27/23: Right this moment is the ultimate day for the $325 deal. There’s a new $300 link legitimate by means of March 28, 2023. (ht ReedMuller) Replace 1/17/23: Deal is again and legitimate till February 27, 2023.