Find the latest listing of Wells Fargo promotions, bonuses, and offers here.
Update 11/11/26:
- The $325 checking bonus has been extended through 1/13/27.
- The $3500 Premier Checking offer is back through 1/12/27.
- The $2000 Premier Checking offer is back through 1/13/27.
- The $500 checking bonus has been extended through 1/12/27.
- The $400/$825 business checking bonus has been extended through 1/13/27.
Wells Fargo Promotions
Wells Fargo ranks #1 in terms of the number of branches in the United States, with well over 6,000 locations across these states.
I’ll go over Wells Fargo offers below.
Wells Fargo $325 Checking Bonus
- Learn More
- What you’ll get: $325 bonus
- Availability: Nationwide (Bank Locator)
- Direct deposit requirement: Yes
- Credit Inquiry: Soft Pull
- Monthly fees: $15, waivable
- Early Termination Fee: None
- How to earn it:
- Open a new, eligible checking account with your bonus code.
- Deposit. Make $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
- Enjoy $325. Your bonus will be deposited into your new checking account within 30 days of meeting offer requirements.
| SoFi Checking and Savings Account ($425 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
Fine Print
- To be eligible: Offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. Offer is not available to customers that received a bonus for a Wells Fargo consumer checking account within the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.
- To receive the $325 bonus: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by January 13, 2027 and receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening (the “qualification period”). A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow? Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. An ACH direct deposit made available early with Early Pay Day does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g., scheduled payment date).
- Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. We may close accounts with a zero balance without prior notice. You are responsible for any taxes due on the bonus. We will report the bonus as income to tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities.
- Other Terms: This offer may be discontinued or changed at any time without notice and cannot be combined with any other consumer deposit offer (limit one bonus per customer/account). Offer cannot be reproduced, purchased, sold, transferred, or traded. If we suspect bonus or promotional offer abuse, we may close or restrict the account and decline or reverse any bonus.
Wells Fargo Premier Checking $3,500 Bonus
- What you’ll get: $3,500 bonus
- Availability: Nationwide (Bank Locator)
- Direct deposit requirement: No
- Credit Inquiry: Soft Pull
- Monthly fees: $35 – Avoid by maintaining $250,000 or more in statement-ending balances in qualifying linked accounts.
- Early Termination Fee: None
- How to earn it:
- Open or upgrade to a Premier Checking account by January 12, 2027. A $25 minimum deposit is required to open a new account.
- Bring $250,000 or more in new deposits to qualifying linked accounts within the first 45 days after account opening or upgrade. The amount of new deposits made by day 45 determines your bonus: $2,500 for deposits of $250,000 to $499,999.99, or $3,500 for deposits of $500,000 or more.
- Maintain your balance in qualifying linked accounts through the 90-day qualification period after account opening or upgrade. The balance as of day 90 determines the bonus amount.
(Expires 01/12/2027)
Editor’s Note: You must copy and paste the link to trigger the $3500 offer. Here’s an alternative link to a $2,000 offer valid through 1/13/27.
| SoFi Checking and Savings Account ($425 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
Fine Print
- To be eligible: Offer is for customers who open a new Wells Fargo Premier Checking account or upgrade an existing consumer checking account to Premier Checking. Only the primary owner of the lead Premier Checking account is eligible for this offer. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. A Lead Account is the designated principal account in the relationship and determines which accounts may be linked. Offer not available to customers that received a Premier Checking bonus in the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Only one Premier Checking bonus may be applied per upgraded account or new Premier Checking account.
- To receive the cash bonus: Upgrade or open a new Premier Checking account, which is subject to approval, by January 12, 2027 and complete the following requirements. Premier Accounts linked to other Premier Accounts aren’t eligible for a Premier checking bonus.
Wells Fargo $500 Checking Bonus
- What you’ll get: $500 bonus
- Availability: Nationwide (Bank Locator)
- Direct deposit requirement: Yes
- Credit Inquiry: Soft Pull
- Monthly fees: $10, waivable
- Early Termination Fee: None
- How to earn it:
- Open an eligible checking account with your bonus code.
- Make $1,000 or more in qualifying direct deposits within first 90 days of account opening.
- Enjoy $500. Your bonus will be deposited into your new checking account within 30 days of meeting offer requirements.
(Expires 01/12/2027)
Editor’s Note: Here’s an alternative link to the offer.
| SoFi Checking and Savings Account ($425 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
Fine Print
- To be eligible: Offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. Offer is not available to customers that received a bonus for a Wells Fargo consumer checking account within the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.
- To receive the $500 bonus: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by January 12, 2027 and receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening (the “qualification period”). A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. An ACH direct deposit made available early with Early Pay Day does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g., scheduled payment date).
- Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. We may close accounts with a zero balance without prior notice. You are responsible for any taxes due on the bonus. We will report the bonus as income to tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities.
- Other Terms: This offer may be discontinued or changed at any time without notice and cannot be combined with any other consumer deposit offer (limit one bonus per customer/account). Offer cannot be reproduced, purchased, sold, transferred, or traded. If we suspect bonus or promotional offer abuse, we may close or restrict the account and decline or reverse any bonus.
Wells Fargo $825 Business Checking Bonus
- What you’ll get: $825 bonus
- Availability: Nationwide (Bank Locator)
- Credit Inquiry: Soft Pull
- Credit Card Funding: Up to $50
- Early Termination Fee: Unknown
- How to earn it:
- Open a new, eligible business checking account with your bonus offer code by January 13, 2027.
- Deposit $2,500 or more into your new business checking account within 30 days of account opening. Your balance on day 30 determines the maximum cash bonus you can earn based on the below table. Maintain that balance through day 60.
- Deposit $2,500 – $9,999 for $400 Cash Bonus
- Deposit $10,000 – $24,999 for $550 Cash Bonus
- Deposit $25,000 or more for $825 Cash Bonus
- Complete 5 or more qualifying posted transactions within the 60-day qualification period.
- After the 60-day qualification period, your bonus will be deposited in your new checking account within 30 days after you have met all offer requirements.
(Expires 01/13/2027)
| U.S. Bank Business Checking ($400 or $1200 Bonus) | Chase Business Complete Checking® ($500 Bonus) |
| Huntington Unlimited Plus Business Checking ($1,000 Bonus) | Huntington Unlimited Business Checking ($400 Bonus) |
Wells Fargo $525 Savings Bonus (Expired)
- What you’ll get: $525 bonus
- Availability: Nationwide
- Direct deposit requirement: No
- Credit Inquiry: Soft Pull
- Monthly fees: $5, waivable
- Early Termination Fee: None
- How to earn it:
- Open a new Way2Save Savings account at a Wells Fargo branch with a minimum opening deposit of $25 by February 25, 2025.
- Bring $25,000 or more in new money to your new savings account within 30 days and maintain at least a $25,000 balance for 90 days after account opening.
- We will deposit your bonus into your new savings account within 30 days after you have met all offer requirements.
(Offer expires 04/08/2025)
| PROMOTION LINK | OFFER | OFFER |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 4.30% APY + $1000 Bonus | Review |
| NexBank High Yield Savings | 4.25% APY + $1000 Bonus | Review |
| BMW Bank High-Yield Savings | 4.15% APY + $1000 Bonus | Review |
| Centier Bank High Yield Savings | 4.12% APY + $1000 Bonus | Review |
| Always.Bank Savings | 4.10% APY | Review |
| American First Credit Union Money Market Deposit | 4.10% APY + $1000 Bonus | Review |
| Valley Bank High Yield Savings | 4.00% APY + $1000 Bonus | Review |
| Valley Direct Online Savings | 4.00% APY | Review |
| Live Oak Bank Savings | 4.00% APY | Review |
| Robinhood Gold | 3.60% APY | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
Fine Print
- Eligibility Requirements:
- This offer is for new savings customers only. All Wells Fargo consumer savings accounts are eligible for this offer with the exception of Time Accounts (CDs) and savings accounts offered by Wells Fargo Private Bank.
- You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo savings account.
- You are not eligible for this offer if:
- You are a current owner of a Wells Fargo consumer savings account
- You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past 12 months.
- You are a Wells Fargo employee
- Bonus Payment:
- We will deposit your bonus into your new savings account within 30 days after you have met all offer requirements.
- The new savings account must be open at the time we attempt to deposit any earned bonus payment. 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 due on the bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.
- Additional Terms and Conditions:
- The consumer savings accounts eligible for this offer are interest-bearing accounts with variable interest rates (which vary by account). For example, Wells Fargo Way2Save® Savings pays an Annual Percentage Yield (APY) of 0.15% on all balances and requires a minimum opening deposit of $25. The APY is accurate as of March 3, 2023, and may change at any time without notice. Interest is compounded daily and paid monthly. The amount of interest earned is based on the daily collected balances in the account. Fees may reduce earnings.
- Offer expires June 27, 2023. However, this offer may be discontinued or changed at any time prior to the expiration date without notice.
- This offer cannot be:
- Paid without a valid U.S. Taxpayer Identification Number (Form W-9 for U.S. persons including a resident alien). Non-resident aliens, signing Form W-8 are not eligible for the offer.
- Combined with any other consumer savings offer that requires a bonus offer code (limit one bonus per customer/account).
- Reproduced, purchased, sold, transferred, or traded.
- The actions required to earn this bonus are separate and distinct from the options available to you to avoid any applicable monthly service fee for the savings account you opened.
Wells Fargo $150-$200 ATM Bonus
- What you’ll get: $150-$200 bonus
- Availability: Nationwide ATM (Bank Locator)
- Credit Inquiry: Soft Pull
- Credit Card Funding: None
- Early Termination Fee: None
- How to earn it:
- Use a Wells Fargo ATM to withdraw cash with a non-Wells Fargo debit card. Keep in mind the ATM fee depending on which bank you’re with.
- A screen pop-up will appear asking what you would do with $150 or $200 dollars
- Select gas and groceries on the screen
- A $150 or $200 coupon offer should print out once you’re done with the ATM transaction.
- When it expires: Ongoing
Fine Print
- Complete the bonus requirements within 60 days of account opening.
- Once requirements are met, you’ll have your bonus deposited within 45 days.
- You cannot be An owner, or joint owner, on a Wells Fargo consumer checking account in the past 6 months, A Wells Fargo team member, A recipient of a consumer checking bonus in the past 12 months.
- A qualifying direct deposit is your salary, pension, Social Security, or other regular recurring monthly income of an accumulated $500 or more
| Chase Total Checking ($400 Bonus), | Chase Secure BankingSM ($175 bonus), |
| U.S. Bank Smartly® Checking ($450 Bonus) | SoFi Checking and Savings Account ($425 Bonus) |
How to Avoid Monthly Fees
- Everyday Checking: You can avoid the $15 monthly service fee with one of the following each fee period:
- $500 or more in total qualifying electronic deposits
- $1,500 minimum daily balance
- $5,000 or more in qualifying deposit balances, investment balances, or both
- Primary account owner is 17 – 24 years old
- A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program
- Premier Checking: The Premier Checking account has a $35 monthly service fee. The fee can be avoided each period with $250,000 or more in statement-ending balances in qualifying linked accounts.
- Clear Access Checking: $5 monthly fee. Waived for primary account owners who are 13 – 24 years old.
- The Portfolio by Wells Fargo: $25 monthly fee. The fee can be avoided each fee period with $20,000 or more in statement-ending qualifying linked bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and investment account balances
- Way2Save Savings: monthly service fee is $5. The monthly service fee can be avoided with one of the following each fee period:
- $300 minimum daily balance
- 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account
- 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account
- 1 or more Save As You Go® transfers from a linked Wells Fargo checking account. A qualifying Save As You Go transfer is an automatic transfer of $1 from your linked Wells Fargo checking account to your Way2Save Savings account each time you (or any authorized signer or joint owner) use your debit card for a one-time purchase or complete a Bill Pay transaction through online banking, and the one-time debit card purchase or Bill Pay transaction posts to the account. We reserve the right to determine through our sole discretion if a particular transaction is a qualifying transaction.
- Primary account owner is 24 years old or under. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.) Customers 12 and under must have an adult co-owner.
- Initiate Business Checking: $10 monthly fee. Avoid the monthly service fee with one of the following each fee period:
- $500 minimum daily balance
- $1,000 average ledger balance
- Navigate Business Checking: $25 monthly fee. Avoid the monthly service fee with one of the following each fee period:
- $10,000 minimum daily balance
- $15,000 average combined business deposit balances
- Optimized Business Checking: $75 monthly fee. Avoid the monthly service fee with one of the following each fee period:
- Includes up to 5 linked Optimize Business Checking accounts
- May be offset by an earnings allowance
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Author’s Verdict
To summarize, Wells Fargo has some of the best promotions, bonuses, and offers in the nation. As one of the largest banks, you can be sure to find a branch to help you meet your financial needs!
Additionally, you can find a full list of the best bank promotions here. Finally, remember to bookmark this page because you will always find an updated list of Wells Fargo promotions here.
In addition, be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
