$400 Bonus When You Open a Wells Fargo Everyday Checking Account
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$400 Bonus When You Open a Wells Fargo Everyday Checking Account

Earn $400 Bonus

Expires: October 6, 2026

Wells Fargo is offering a $400 cash bonus to new customers who open an Everyday Checking account and meet a straightforward direct deposit requirement. The promotion is available nationwide and runs through October 6, 2026.

How to Earn the Bonus

  1. Open a new Wells Fargo Everyday Checking account with a minimum deposit of $25 using your bonus offer code.
  2. Within 90 calendar days of opening, receive $1,000 or more in qualifying direct deposits (e.g., payroll, Social Security, pension).
  3. The $400 bonus will be deposited into your account within 30 days after the qualification period ends.

Key Details

  • Availability: Nationwide (online application)
  • Direct deposit required: $1,000+ via ACH within 90 days
  • Credit pull: Soft pull only
  • Monthly fee: $15, but waivable with a $1,500 daily balance, $500+ in monthly electronic deposits, or other qualifying criteria
  • Early termination fee: None
  • Household limit: None

Who Is Eligible?

  • New Wells Fargo checking customers only
  • Must not currently hold a Wells Fargo consumer checking account
  • Must not have received a Wells Fargo checking bonus in the past 12 months
  • Wells Fargo employees are not eligible

What Counts as a Qualifying Direct Deposit?

Only ACH electronic deposits of regular income qualify — such as payroll, Social Security, or pension payments. Transfers between accounts, mobile check deposits, and ATM or branch deposits do not count.

Avoiding the Monthly Fee

The $15 monthly fee can be waived by:

  • Maintaining a $1,500 minimum daily balance
  • Having $5,000+ in qualifying deposit or investment balances
  • Receiving $500+ in monthly qualifying electronic deposits
  • Being a primary account holder aged 17–24
  • Linking a Wells Fargo Campus ATM or Debit Card
  • Qualifying military direct deposit through the Wells Fargo Worldwide Military Banking program

Note: The bonus is considered taxable income and will be reported to tax authorities if required by law.

Note:

  • Prices and availability may change without prior notice
  • Check the retailer's website for the most current pricing

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