How do I earn this bonus?
- For an online Everyday Checking application, start from the $400 offer page so the code is applied automatically; open by October 6, 2026. For a branch opening, bring the issuer's offer code and have the banker apply it at opening. Minimum opening deposit is $25.
- Receive at least $1,000 in qualifying electronic deposits within 90 calendar days of opening.
- Keep the account open; bonus payment is within 30 calendar days after completing requirements.
What counts—and what doesn’t.
Qualifying activity
- Posted qualifying income via ACH direct deposit, RTP/FedNow, or specified third-party debit-card-network credits.
Excluded or unsafe to assume
- Account-to-account transfers, mobile check deposits, Zelle, and branch or ATM deposits. Early Pay Day funds count when posted, not while pending.
The $25 opening deposit is separate from the $1,000 qualifying electronic-deposit hurdle.
Who is eligible for this offer?
New consumer checking primary owners only. No Wells Fargo consumer checking bonus in the past 12 months. Employees, specified nonresident/foreign applicants using Form W-8, and Private Bank deposits are excluded. The offer cannot be combined with other consumer deposit promotions; limit one bonus per customer/account.
Wells Fargo defines the primary owner as the person whose taxpayer identification number is assigned to the account and who has tax responsibility. That owner must meet the new-customer and prior-bonus conditions. Online enrollment from this page applies the code only to Everyday Checking; a branch opening needs the offer code, and Wells Fargo says it may apply to another eligible consumer checking product. Account approval is still required.
U.S. offer; confirm availability for your address with the issuer. Bonus qualification does not guarantee account or credit approval.
What fees could reduce the bonus?
$15 monthly fee; waiver options include $500 in qualifying electronic deposits each fee period, a $1,500 minimum daily balance, $5,000 in qualifying combined deposit or investment balances, a primary owner aged 17–24, or the specified military-deposit route. Bonus requirements and fee waivers are separate; check current pricing and each route's full terms.
When does the qualification clock start?
90 calendar days from account opening.
When should the bonus arrive?
Within 30 calendar days after all requirements are met.
A concrete example
Hypothetical: a qualifying $1,000 payroll deposit can meet the amount. A $1,000 mobile-deposited check does not.
Timing and availability
Open by Oct 6, 2026. This is a dated offer snapshot. Confirm that the promotion is still available before opening an account.
Questions before you apply
Does Early Pay Day count before the deposit posts?
No. Early access to funds is not the posting date. Wells Fargo counts the qualifying deposit when it posts and is no longer pending.
Does the opening deposit count toward the Wells Fargo bonus?
Opening and bonus requirements are separate. A branch, ATM or mobile-check deposit does not qualify; neither do account transfers or Zelle payments.
Does earning the bonus also waive future monthly fees?
No. The bonus has its own qualification window. Fee waivers must be satisfied each fee period. Check your ongoing deposits or balance before deciding to keep the account.
Answers checked September 15, 2026 against Wells Fargo’s official offer terms. Your enrolled offer controls; terms may change.
Prepare a useful bonus inquiry
Once the stated payout window has passed, gather the offer code and posted dates of qualifying electronic deposits. Use the issuer’s secure support channel and ask: “Which requirement remains unmet, which transactions counted, and what payout timeline applies to my enrolled offer?” Keep the case number and response. This is our suggested recordkeeping workflow, not a promise of payment.
Compare this account’s requirements · Estimate the bonus after costs
Keep the terms. Track the steps.
Save this version of our summary with your dates and checklist. A later offer update will not rewrite your plan. Keep the official agreement and enrollment confirmation separately.
Use the date that starts this offer’s clock. Dates are estimates; confirm them with the issuer.
Read the terms saved in this plan
Saved in this browser, with no account required. Download a copy before clearing browser data. We do not send your dates or checklist to our server. Importing calendar dates may sync them through your calendar provider; its settings control notifications.
Your completion checklist.
Checkmarks are your notes, not confirmation from the issuer. Save a plan above to keep them with a specific offer summary.
Keep the terms with your checklist.
Save the official offer terms and your enrollment confirmation. Record the exact start date, qualifying activity, deadline, and expected payout. Check the issuer’s full account agreement for account-standing, holding-period, and early-closure conditions; this summary does not establish that there are none.
Keep the account open through Wells Fargo's attempt to deposit the bonus; the bank may close a zero-balance account without prior notice. Review the full account agreement for additional holding or early-closure conditions before closing.
If the bonus does not arrive
Wait through the stated payout window, then ask the issuer which condition remains unmet. Keep your offer confirmation, relevant statements or posted activity, and support case number. Share account documents only through the issuer’s secure channels.