Wells Fargo offers two bank account bonuses. Depending on your checking account needs, one of these promotions could work for you. You’ll earn $125 or $325, based on the account you sign up for.
Here’s a closer look at the two options so you can decide which Wells Fargo checking account bonus could be right for you.
Wells Fargo checking account bonuses
| Account | Everyday Checking | Clear Access Banking |
| What you'll get | $325. | $125. |
| Expiration date | 07/14/2026. | 07/14/2026. |
| Where to open | Online or at a branch. | Online or at a branch. |
| Minimum deposit to open | $25. | $25. |
| How to qualify | Open a new account online, or at a branch using a promo code. Set up direct deposit and receive at least $1,000 in qualifying direct deposits within the first 90 days of being enrolled in the offer. | Open a new account online, or at a branch using a promo code. Make at least 10 transactions within 60 days of opening the account. |
| Account monthly fee | $15; can be waived. | $5; can be waived. |
| When you’ll get the bonus | Within 30 days of meeting requirements. | Within 30 days of meeting requirements. |
» Compare: See our picks for the best bank bonuses
How to earn the Wells Fargo $325 checking account bonus
Here are the steps to take to become eligible for the $325 checking bonus offer:
- Before the offer expires on 07/14/2026, open an Everyday Checking account online at the offer page. As an alternative, you can get a promotion code emailed to you from the offer page and then take it to a branch to open your choice of eligible personal checking account. In addition to Everyday Checking, other eligible accounts include Clear Access Banking, Prime Checking and Premier Checking — but only when opened at a branch.
- Within the first 90 calendar days of opening your account and enrolling in the offer, receive at least $1,000 in qualifying direct deposits.
- Note that $25 is the minimum deposit required to open the Everyday Checking account or other eligible checking account and qualify for the offer.
- Keep your account open and in good standing.
- Once you meet all the requirements, the bank will pay the bonus within 30 calendar days.
Note that additional terms and conditions apply. See the offer page for more details.
What are qualifying direct deposits?
Wells Fargo considers the following to be qualifying direct deposits that would count toward earning the $325 bonus:
- Salary, government benefit payments or other income added as an Automated Clearing House (ACH) direct deposit.
- Instant payment processed through the real-time payments (RTP) network or FedNow Service.
- Electronic credit to your debit card from a third-party service using Visa or Mastercard networks.
How to earn the Wells Fargo $125 checking account bonus
Here are the steps to take to become eligible for the $125 checking bonus offer:
- Before the offer expires on 07/14/2026, open a Clear Access Banking account online at the offer page. As an alternative, you can get a promotion code emailed to you from the offer page and then take it to a branch to open your choice of eligible personal checking account. In addition to Clear Access Banking, other eligible accounts include Everyday Checking, Prime Checking and Premier Checking — but only when opened at a branch.
- Within the first 60 calendar days of opening your account and enrolling in the offer, make at least 10 posted qualifying transactions with the new account.
- Note that $25 is the minimum deposit required to open the Clear Access Banking account or other eligible checking account and qualify for the offer.
- Keep your account open and in good standing.
- Once you meet all the requirements, the bank will pay the bonus within 30 calendar days.
What are qualifying transactions?
Wells Fargo considers the following to be qualifying transactions that count toward earning the $125 bonus:
- Debit card purchases requiring your PIN or signature.
- Debit card purchases made online, by phone or via your digital wallet.
- One-time or recurring debit card payments.
- Zelle transactions to send or receive money using the Wells Fargo site or mobile app.
- Checks deposited using the bank’s mobile app.
- Payments made using the bank’s bill pay service.
Note that transactions must be “posted” in order to count toward earning the bonus. A posted transaction is one that’s completed, has been fully processed and shows on your account statement. A transaction has not posted if it shows as “pending.”
» Consider: Wells Fargo Bank review
The verdict: Are Wells Fargo checking account bonuses worth it?
It’s more important to consider whether a checking account is right for you than how big a bonus you can get. But these bonuses may help you make a decision if you’re deciding between a Wells Fargo checking account and a similar account from one of its competitors. Compared with similar offers at other big banks, the $325 Wells Fargo offer is almost as good as the best checking account bonus offers, and the $125 offer is on par with the best.
» Consider: Chase bank bonuses and Bank of America bonuses
A Wells Fargo bank bonus could be worth it if you prefer to keep your checking account at a national bank with plenty of ATMs and branches, online banking and well-rated mobile apps. Before committing, make sure you understand all the requirements and possible fees.
