Wells Fargo $325 Checking Bonus (Nationwide)

Available nationwide, you have the opportunity to earn a $325 bonus when you open a qualifying Wells Fargo checking account and meet certain requirements. This offer is for new checking customers only.

Update 12/12/25: The $325 checking bonus is now available through 1/14/26.

Wells Fargo $325 Checking Bonus Summary

• Learn More
• What you’ll get: $325 bonus
• Availability: Nationwide
• Credit Inquiry: Soft Pull
• Credit Funding: None
• Direct Deposit Requirement: Yes
• Monthly Service Fee: $15; 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

(Expires 01/14/2026)

How To Earn Bonus Requirements

• Open a new, eligible checking account with your bonus code.
• Deposit. Receive $1,000 or more in qualifying direct deposits within the first 90 days of offer enrollment.
• Enjoy $325. After the 90-day qualification period, you will receive your bonus within 30 days of meeting offer requirements.

Avoid Monthly Fees

• Wells Fargo Everyday Checking account:
  • 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

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 opening 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 14, 2026 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).
• After the 90-day qualification period, if you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. Your new account must stay open through the time we attempt to deposit the bonus. 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.

Author’s Verdict

This Wells Fargo checking bonus is easy and simple to earn all you need is a direct deposit.

For more, see our list of the latest Wells Fargo Promotions or our extensive list of bank deals here.