Wells Fargo is offering new personal checking account customers a $400 bonus.
To be eligible, you'll first need to open a new Clear Access Banking℠, Everyday Checking, Prime Checking, or Premier Checking account, and then you'll have 3 months to receive $1,000 in direct deposits in order to qualify for the promo.
This is a pretty easy bonus that's available nationally without restriction. This is one of the highest we've seen this offer in recent iterations.
How To Earn The Bonus
The Wells Fargo Personal Checking promotion requires you to set up and have eligible direct deposits in order to earn the $500 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- This offer is for new checking customers only.
- All Wells Fargo consumer checking accounts are eligible for this offer.
- You must use your bonus offer code at account opening. The offer code will be auto applied if you apply through the offer landing page. If you open an account in-branch, you need to submit your contact information first to receive a code, then use that when opening.
- 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, or if you are a Wells Fargo employee.
- Limit one bonus per customer/account.
Open a Personal Checking account before the bonus expires on October 6, 2026
How does this personal checking offer from Wells Fargo compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
BMO
Personal Checking
- Bonus
- $400 cash bonus*
- Account Type
- Personal Checking
- Expires In
- 3 days
- Requires
- Direct Deposit
PNC
Virtual Wallet® with Performance Select
- Bonus
- $400
- Account Type
- Personal Checking
- Expires In
- 124 days
- Requires
- Qualifying Direct Deposit
Bank of America
Advantage Banking Account
- Bonus
- up to $500
- Account Type
- Personal Checking
- Expires In
- 25 days
- Requires
- Direct Deposit
Why Wells Fargo Bank?
No matter how you look at it, Wells Fargo is huge. It's the fourth largest national bank in the United States and the 26th largest corporation of any kind.
With 13,000 ATM locations and 5,300 full-service branches, Wells Fargo has more brick and mortar locations than any other financial institution in the country. The bank also operates internationally, with a presence in 35 countries and over 70 million global customers.
Wells Fargo is based out of San Francisco, California, and offers bank accounts, credit cards, investment and retirement accounts, personal loans, wealth management services, and more.
Learn more in our Wells Fargo Bank review
Clear Access Banking℠
Clear Access Banking, formerly called Opportunity Checking, is a good option if you often worry about overdrawing your account. It’s a checkless account, meaning you can’t write checks, and all transactions are made digitally or with a debit card. The best part is that there there are no overdraft fees.
There’s a $25 minimum opening deposit, as well as a $5 monthly maintenance fee. The fee can only be waived for account holders that are 13 to 24 years old, making it a good teen checking option for younger people looking to open their first account.
Fees
Clear Access Banking℠ does charge a monthly maintenance fee of $5, but there are ways to get this waived:
- Be between the ages of 13 and 24 years old.
Everyday Checking
The Wells Fargo Everyday Checking account is Wells Fargo’s most popular option for checking. You can open this account with a minimum deposit of $25, and it comes with all of the staples of a good checking account, including a debit card, checks, and access to online banking.
Fees
Everyday Checking does charge a monthly maintenance fee of $10, but there are ways to get this waived:
- Maintain a daily balance of $500.
- OR, receive $500 or more in total qualifying direct deposits.
- OR, have a linked Wells Fargo Campus ATM or Campus Debit Card.
- OR, be between the ages of 17 and 24 years old.
Prime Checking
Prime Checking is one of Wells Fargo's premium checking accounts. With it, you'll earn interest on your deposits, as well as a relationship rates on linked CDs and savings accounts and new loans.
With Prime Checking, it's also easier to avoid fees. For example, there is no incoming wire transfer fee, and you'll receive ATM fee reimbursements.
Like all Wells Fargo checking accounts, Prime Checking requires a $25 opening deposit.
Fees
Prime Checking does charge a monthly maintenance fee of $25, but there are ways to get this waived:
- Have $20,000 or more in statement-ending qualifying linked bank deposit account balances (checking, savings, CDs, or FDIC-insured IRAs) and investment account balances.
Premier Checking
Premier Checking is Wells Fargo's most exclusive checking account and comes with a bunch of premium benefits.
With it, you'll earn interest on your deposits, as well as a relationship rates on linked CDs and savings accounts and new loans.
Premier Checking also comes with the most fee waivers. For example, there is no wire transfer fees, no fee for cashier's checks or money orders, no fee for stop payment requests, and more. You'll also receive unlimited ATM fee reimbursements.
Like all Wells Fargo checking accounts, Premier Checking requires a $25 opening deposit.
Fees
Premier Checking does charge a monthly maintenance fee of $35, but there are ways to get this waived:
- Have $250,000 or more in statement-ending qualifying linked bank deposit account balances (checking, savings, CDs, or FDIC-insured IRAs) and investment account balances.
Apply now for a Personal Checking account to earn the $500 bonus offer
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