Wells Fargo checking $400 Bonus
Personal account · Expires Aug 18, 2026 · Last verified Jul 26, 2026
Requirements
- Receive $1,000+ in qualifying electronic deposits (ACH direct deposit, RTP/FedNow instant payment, or Visa/Mastercard electronic credit) within 90 days of account opening
- New consumer checking customers only; not eligible if you received a Wells Fargo checking bonus in the past 12 months, are a WF employee, are a non-resident alien filing Form W-8, or are opening a Private Bank account
- Account must remain open through the time the bonus is deposited (within 30 days of meeting requirements). $15/mo fee waived several ways (see closing.monthlyFee).
Timeline
- Direct deposit ×1 totaling $1,000.
- Complete all requirements within 90 days.
Bonus tiers
- $400 — $1,000+ qualifying electronic deposits within 90 days: park $0, DD $1,000
Closing the account (what we verified)
- Monthly fee: $15 (waived: $1,500 min daily balance, OR $5,000+ in qualifying deposit/investment balances, OR $500+ in qualifying electronic deposits, OR primary owner age 17-24, OR qualifying military DD).
More Wells Fargo bonuses
Offer terms change; always confirm against the bank's current disclosure (source). Also see our guides.