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$400 Bonus Checking Accounts — Wells Fargo
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$400 Bonus Checking Accounts — Wells Fargo

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Category
Money
Auto tags
Money
Bonus Checking Accounts
Wells Fargo
Eligibility
new checking customers; primary account owners aged 17‑24; Wells Fargo Campus Card participants; qualifying non‑civilian military personnel; individuals meeting the $500 minimum daily balance or $500 qualifying electronic deposits criteria.
Auto Summary
Wells Fargo pays a cash bonus for opening a new Everyday Checking account and receiving $1,000+ in qualifying electronic deposits (direct deposit/RTP/FedNow) within 90 days. NOTE (2026-05-30): the $400 version expired May 19, 2026; the live offer is now $325, open through July 14, 2026. New checking customers only — no Wells Fargo checking bonus in the past 12 months. Transfers between your own accounts, mobile check deposits, Zelle, and branch/ATM cash deposits do NOT count. Watch the monthly service fee and the 1099 tax form. Verified 2026-05-30.
Value
$400
Espanol
Espanol: Cuentas de cheques con bono de $400 — Wells Fargo
URL
https://accountoffers.wellsfargo.com/welcomebonus/?sub_channel=WIB&vendor_code=WF&utm_campaign=xlob_on-us&collateral_code=TSB26420
Last verified 2026-05-17.
⚠️ This $400 offer ends Tuesday, May 19, 2026. If you can't open an account in time, Wells Fargo has a follow-up $325 offer running through July 14, 2026 (same $1,000 deposit rule). Link is below.

What you get

  • $400 cash bonus, paid into your new account within 30 days after the 90-day qualifying period.
  • You must open the account from the Wells Fargo offer page (or with a banker, using the offer code emailed to you) by May 19, 2026.

Who qualifies

  • New Wells Fargo checking customers only.
  • You haven't received a Wells Fargo checking bonus in the last 12 months.
  • You're not a Wells Fargo employee.
  • You have a U.S. Taxpayer ID (SSN or ITIN). Form W-8 filers are not eligible.

How to apply (3 steps)

  1. Open a new Everyday Checking account from the Wells Fargo offer page with at least $25 by May 19, 2026. Or open one at a Wells Fargo branch — but get the offer code emailed to you first and give it to the banker.
  1. Deposit a total of $1,000+ in qualifying electronic deposits within 90 days of opening. Qualifying deposits include direct deposit (paycheck, Social Security, SSI, SSDI, CalWORKs, unemployment), instant payments (RTP/FedNow), or eligible debit-card credit-pushes.
  1. Wait — Wells Fargo deposits the $400 within 30 days after the 90-day window ends. Keep the account open the whole time.

Common pitfalls

  • Transfers from your own accounts, mobile check deposits, Zelle, and branch/ATM cash deposits do NOT count toward the $1,000.
  • A $0 balance can get the account auto-closed, which voids the bonus. Keep at least a few dollars in it.
  • The $10 monthly fee will eat your bonus if you don't dodge it. Waive it by keeping $500 daily balance, getting $500/month in qualifying electronic deposits, being age 17-24, using a Wells Fargo Campus Card, or qualifying military direct deposit.
  • The $400 is taxable income — Wells Fargo will send a 1099-INT next January.

If you miss the May 19 deadline

Wells Fargo has a $325 version running through July 14, 2026 — same $1,000-in-90-days rule, same new-customer eligibility. Page: accountoffers.wellsfargo.com/checkingoffer. (Note: the monthly service fee on the account tied to the $325 offer is $15, waivable with a $1,500 daily balance or $500+ in qualifying electronic deposits.)

Where to get help

  • Wells Fargo customer service: 1-800-869-3557 (24/7)
  • In person: any Wells Fargo branch — bring photo ID, SSN/ITIN, and proof of address. The closest Nevada County branches are in Grass Valley and Auburn.
  • TechEmpower can help you compare bank-bonus offers and walk through the qualifying-deposit rules — contact us via techempower.org.

Sources

Freshness update (2026-05-30): The \$400 offer above has now ended (its deadline was May 19, 2026). The currently live Wells Fargo offer is \$325, open through July 14, 2026, with the same rule: \$1,000+ in qualifying electronic deposits within 90 days of opening. Apply on the \$325 offer page. (Wells Fargo also runs a smaller \$125 online-only Everyday Checking offer.) Bonus amounts and deadlines change often — confirm the current amount on the official page before you open an account. [Source: accountoffers.wellsfargo.com/checkingoffer (accessed 2026-05-30)]