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Wells Fargo
Wells Fargo Everyday Checking $400 Bonus
Wells Fargo pays you $400 when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits within 90 days. The $15 monthly fee is waivable with $500 in monthly electronic deposits. Soft credit pull. Available nationwide. Bonus posts within 30 days after the 90-day window closes.
- Bonus amount
- $400
- Expires
- May 19, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~30 days
- Difficulty
- Easy
Requirements
Last verified: May 5, 2026
Open an account
Open a new Wells Fargo consumer checking account with a minimum $25 opening deposit and a bonus offer code before April 7, 2026.
Set up qualifying direct deposits
Receive $1,000 or more in qualifying direct deposits within 90 days of account opening.
Wells Fargo deposits the bonus within 30 days after the 90-day qualification period.
Tips & Gotchas
- →You must not have received a Wells Fargo checking bonus within the past 12 months.
- →Maintain a $500 minimum daily balance (increasing to $1,500 for fee periods beginning October 25, 2025) or $500 in electronic deposits to avoid the $15 monthly fee.
Direct Deposit Data Points 225
Community-reported results for what triggers a qualifying direct deposit at Wells Fargo.
Account Details
- $500 or more in total qualifying electronic deposits per fee period
- $1,500 minimum daily balance
- $5,000 or more in qualifying deposit balances, investment balances, or both
- Primary account owner age 17–24
- Qualifying monthly non-civilian military direct deposit (Wells Fargo Worldwide Military Banking)
Keep open until bonus posts.
Eligibility
Not eligible if you have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months.
Can You Earn This Bonus Again?
Fine Print
New Wells Fargo checking customers only. Must use an offer code and receive $1,000 or more in qualifying direct deposits within 90 days to earn the $400 bonus. Account must remain open through bonus payout. Monthly fee is $15 but can be waived with qualifying deposits or balances.
Taxable income · Reported on 1099-INT
Related Articles
What Counts as a Direct Deposit for Wells Fargo Bonuses?
Wells Fargo's terms say payroll and government benefits are the qualifying direct deposits. Community data from 221 reports shows ACH pushes from Chase, Fidelity Cash Management, SoFi, and Capital One have also been consistently posting as qualifying direct deposits at Wells Fargo in recent months.
Chase vs Wells Fargo Checking Bonus
Chase and Wells Fargo both pay $400 with a $1,000 direct deposit requirement. The real differences are the credit pull, ChexSystems sensitivity, payout speed, and how quickly you can come back for a second bonus.
What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Also see: this month's best bank bonuses and community DD data points.
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