Wells Fargo Personal Checking $325 Bonus

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Wells Fargo Bank : Personal Checking

$325

4.5

BankBonus.com score

Availability

Ease

Amount

Fees

Offer Expires In

How To Earn The Bonus

  1. Open a new personal checking account using the link below with a minimum opening deposit of $25.
  2. Within 90 days, receive direct deposits totaling $1,000.
  3. Bonus will be deposited into your account within 30 days of the 90-day qualification period.

Available in Your Area?

Yes

Monthly Fees?

Varies

Open Online?

Yes

Credit Pull?

Soft

Wells Fargo Bank logo

Apply Now

at Wells Fargo

Wells Fargo is offering new personal checking account customers a $325 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. Plus, the deposit requirement has been cut in half (from $2,000 to $1,000), and the reward amount bumped up: from the $200 default offer. Can't complain about that!

How To Earn The Bonus

The Wells Fargo Personal Checking promotion requires you to set up direct deposits in order to earn the $325 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.

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:

Citi®

Enhanced Direct Deposit

Bonus
$300
Account Type
Personal Checking
Expires In
131 days
Requires
  • Direct Deposit

TD Bank

Beyond Checking

Bonus
$300
Account Type
Personal Checking
Expires In
1 day
Requires
  • Direct Deposit

PNC

Virtual Wallet®

Bonus
up to $400
Account Type
Personal Checking
Expires In
62 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.

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 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 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 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 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.

Share Your Thoughts or Questions

There have been 22 comments about the Wells Fargo Personal Checking $325 Bonus.

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Jill M

January 17

How many days after bonus hits do you have to keep account open to avoid any fees?

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carmela Zeiser

November 17, 2023

Well this was easy! My bonus was delivered to my checking account today. Direct deposits went thru without a hitch, no fees for checking account, low starting balance to open account, plus Wells Fargo has a lot of branches to choose from for banking. I opened my account online with great ease.
I couldn’t be happier, and I’m $325.00 richer.

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Rebecca

November 17, 2023

I'm awaiting my second bonus from Wells Fargo now. $325 is generous bonus, and it is straightforward/easy to get. I am keeping $500 in to avoid a monthly fee. They are very professional with their communication/marketing materials. I also have their credit card, which has a 2% cash back, with no annual fee!

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Joseph Lee Robbins

November 17, 2023

Easy bonus to get I got it last year and am about to sign up for round two! We started chasing bank bonuses to cover Travel Credit Card annual fees and vacation spending! Now we are two years into it! It is a lot of fun having extra money to spend on vacations as well!

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Tom

November 16, 2023

Easy Bonus! Wells Fargo will let you get bonuses every year. Most any ACH transfer will count as a direct deposit, so you may not have to use your employer DD. They pull Early Warning Services report. They usually have CC bonuses, so check your dashboard and see if there are any while you are doing the checking bonus. The checking bonus should pay out around day 90 from opening date.

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Jake

November 16, 2023

The best part of this bonus for me was that I got a checking account bonus from Wells Fargo in July 2022 and I was still eligible for this one because the fine print says you can't have received a bonus from WF within the last 12 months. It has worked for me. Going to try again in December 2024 if they have a similar bonus available!

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Jamon

November 13, 2023

I was able to open the account in person at a branch after being denied online. I had to make an appointment, and their hours are inconvenient for someone working an office job. Once account was opened, it was easy. They then offered me a credit card with 2% cash back, and now this is my primary credit card, even though I no longer have the checking account.

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Bill B

November 11, 2023

I earned the Wells Fargo $200 bonus in mid 2023. I had a weird administratvie delay getting the account opened (about a week!) but then everything after that was smooth sailing. I definitely recommend this bonus.

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Lee

November 11, 2023

Thanks to BankBonus.com posting of the Wells Fargo Bank: Personal Checking
$325 offer, I signed up, and received my $325 bonus payout in just under 90 days from Wells Fargo. Thanks BankBonus for providing an invaluable resource to help me earn a nice amount of extra spending money.

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Jon Snow

November 8, 2023

I was able to open the account in person at a branch after being denied online. Banker printed the bonus confirmation for me to have. Seems like an easy bonus based on my research. Only thing is that it takes around 90 days after account opening for the bonus to be paid while some other banks are quicker to pay.

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Jackie

November 7, 2023

Wells Fargo is easy to deal with and you can't beat the bonus. We were about to sign up thru their site for $300 when we saw $325 on BB.com. Easy to open the account, especially since we already hold a credit card.

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Klaus Pohlmann

November 6, 2023

Wells Fargo seems to offer incentives regularly. I was able to take advantage of the $325 for Everyday Checking. It was as easy as making Direct Deposits of $1,000 within 90 days. That’s it! Keep in mind you have to keep a balance of $500 to waive the monthly maintenance fees. Also of note, transfers from this account to other banks shows up as an ACH!

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Den

November 7, 2023 Replying to Klaus Pohlmann

Thank you for your note on ACH. I will try to use this soon!

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Ruby

November 5, 2023

Took advantage of this offer thanks to Bank Bonus! Was an easy bonus. Love this site!

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D

November 5, 2023

A very easy bonus to achieve, with USAA and Lending Club xfers. I do their bonuses every 18 mnths or so. There's also credit cards to get with bonus offers.

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Erin

November 5, 2023

I paired this bonus with two Wells Fargo credit card offers, the double cash and autograph cards. Direct deposits sent to the checking were easily transferred to pay the credit cards. There were no hassles when it came to getting the bonus or closing the account. Thanks Grant for sharing these offers! I'm enjoying the new podcast as well.

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BarbaraC

November 3, 2023

This bonus was very easy to achieve and it paid out quickly. I have found transfers in and out of Wells Fargo have been seamless with no issues. Highly recommend this one!

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Nicholas

November 3, 2023

As much as I dislike Wells Fargo, this bonus is a lot better than most others. The requirements are simple to understand, and it’s easy to avoid monthly fees on the account. I plan on doing this one as often as possible.

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Ankit Jain

November 3, 2023

This is a churnable bonus every 12 months from the date you have last received the bonus. Make sure to track the date when the bonus hit the account and do not forget to close the account as you get ready to open it next year.

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Stevie

November 3, 2023

Easy bonus to earn and quickly paid out. I did a Wells Fargo credit card for a $300 bonus at the same time and I'm waiting for that bonus (in points) to appear. I have just met the $1500 spending requirements yesterday.

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Wayne

November 3, 2023

This is an easy bonus. Chase was used to successfully trigger the direct deposit requirements. Another benefit to Wells Fargo is I have around 10 other banks I can send to or pull from set up as transfers. As I close an account I delete it off of Wells Fargo and add another in it's place.

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Liz

November 20, 2023 Replying to Wayne

So you didn't have to use your payroll direct deposit- rather you did a transfer from your Chase bank account- and that succesfully triggered the "direct deposit" requirement for this bonus?

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