Wells Fargo Checking Account Bonus, Get $400 with $1,000 Direct Deposit

Wells Fargo Checking $400 Account Bonus

🔃 Update: This offer is back again. Offer ends August 18, 2026.

Wells Fargo is offering a new bonus for checking accounts. You can get $400 in cash and it looks like the bonus is available nationwide and online. Check out the details of this Wells Fargo checking account bonus below.

How to Earn This Bonus

In order to earn this $400 bonus, you need to:

1. Open a new Wells Fargo consumer checking account with a minimum opening deposit of $25.
2. Within 90 calendar days of account opening (the “qualification period”), receive a total of $1,000 or more in qualifying direct deposits to your new checking account.
   • A qualifying direct deposit is an ACH (Automated Clearing House) automatic electronic deposit of your salary, pension, Social Security, or other regular income into your bank account. Confirm with your employer or the 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 don’t qualify as a direct deposit.

Once the 90-day qualification period has elapsed, Wells Fargo will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days.

Eligibility

• This offer is for new checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer with the exception of checking accounts offered by Wells Fargo Private Bank.
• You are not eligible for this offer if you:
  • Are a current owner of a Wells Fargo consumer checking account
  • Have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months
  • Aare a Wells Fargo employee
• Could be available nationwide, but you can check with your zip code before starting the application.

Account Fees

The Wells Fargo Everyday Checking account monthly service fee is $15. The monthly service fee can be avoided with any one of the following each fee period:

• $1,500 minimum daily balance.
• $5,000 or more in qualifying deposit balances, investment balances, or both.
  • On the last business day of each fee period balances in eligible Wells Fargo accounts will be automatically totaled. Eligible accounts include consumer deposit account balances (checking, savings, CDs, FDIC-insured IRAs), certain investment account balances, and applicable Wells Fargo bank fiduciary and custody accounts.
• $500 or more in total qualifying electronic deposits.
  • 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.
• A primary account owner who is 17 to 24 years old. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.)

Guru’s Wrap-Up

This is a good bonus from Wells Fargo. You need to receive a total of $1,000 or more in qualifying direct deposits to your new checking account, in order to get this $400 bonus. The account also comes with a $10 monthly fee that is easily waivable.

You can also check out this Business Checking bonus at Wells Fargo which can get you up to a $825 in cash.

Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.

💡 Link & Key Details

• OFFER PAGE
• Bonus: $400
• Account Type: Everyday Checking
• Availability: Possibly nationwide
• Type of Inquiry: Soft pull
• Direct Deposit Requirement: $3K within 90 days (see what works)
• Other Requirements: None
• Credit Card Funding: Up to $50
• Monthly Fee: $15 but can be waived
• Closing Account Fee: None
• Expiration Date: 4/10/23 5/22/23 8/21/23 10/10/23 4/9/24 5/21/24 8/20/24 5/20/25 11/18/25 4/7/26 8/18/26

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