Wells Fargo Checking Account Bonus: January 2026

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Wells Fargo may offer a cash bonus when you open a checking account. Read on to learn more.

Think big banks only take your money rather than give it? Probably not Wells Fargo. With its limited-time checking bonuses, a typical account opening process can be a fruitful endeavor.

Take a look at the latest Wells Fargo promotions that could put some extra cash in your pocket.

What matters most when considering banking bonuses?

Wells Fargo Checking Account Bonus Offers 2026

Here's something pretty exciting about Wells Fargo's checking bonuses: they could all be available right now! Check out current deals below.

Is Wells Fargo bonus legit?
A Wells Fargo bonus is a legitimate offer in exchange for opening a new checking account and meeting the requirements. However, this is often a limited-time promotion, and amounts may vary.

Other Wells Fargo bonus promotions

The following bonuses might also work for you:

Can I get multiple Wells Fargo bonuses?
Yes, you can earn more than one Wells Fargo bonus simultaneously. However, they usually need to be for different types of accounts. For example, one bonus is for opening a checking account, the other is for savings.

Wells Fargo checking bonus alternatives

Guess what, here are even more checking bonuses to compare with Wells Fargo's offers:

Why do banks offer checking bonuses?
Banks offer checking bonuses primarily to attract new customers. They compete for your business and know a nice reward might convince you to pick them over another bank.

FAQS

  • How can you earn a Wells Fargo checking bonus?

    Wells Fargo checking bonus criteria may vary across offers, but they often include the following:

    • Open a new qualified account during a certain period using a bonus offer code.
    • Accumulate a certain amount in qualifying direct deposits, usually within 90 days of opening your account.
    • Maintain a particular balance in linked accounts for the promo duration.
    • New account must stay open through the time Wells Fargo would attempt to deposit the bonus.

  • What are the pros and cons of a Wells Fargo checking bonus?

    Here are the positives and negatives of Wells Fargo checking bonuses:

    • Attractive bonus amounts
    • Doable requirements
    • Zero early account closure fee
    • Limited time availability
    • Monthly service fees

  • How long does it take to get the Wells Fargo bonus?

    Bonuses offered during an active Wells Fargo promotion are often credited into your new account within 30 calendar days after the qualification period.

  • Are Wells Fargo sign-up bonuses taxed?

    Like interest you earn from a savings account, Wells Fargo sign-up bonuses must be reported on your tax return since they're taxable. Wells Fargo might even send you a Form 1099-INT in the mail.

  • Is Wells Fargo a good bank for checking?

    Wells Fargo's large branch and ATM network makes it a good bank to host your checking account. In addition, it offers multiple checking account types to suit different needs. Read this Wells Fargo review to learn more.

  • How much to open a Wells Fargo checking account?

    The minimum deposit to open any Wells Fargo checking account is $25.[1]

  • What is the minimum balance for a Wells Fargo checking account?

    Wells Fargo checking accounts do not have a minimum daily balance requirement to stay open. However, most accounts have a monthly service fee, which can often be waived by maintaining a certain balance.

Bottom Line

Wells Fargo's tempting checking bonuses can be a good reason to switch or add another account to your bank portfolio.

However, although the bonus cash is nice, think about the bigger picture. Does the account, with its features, fees, and requirements match how you handle money?

Remember, a bonus is just a one-time perk, but this account might be yours for years. Ensure it's a good fit for daily banking needs, not just your wallet this month.

Bank Checking Bonus
Explore other checking bonuses by bank:

References

  1. ^ Wells Fargo. Compare Checking Accounts, Retrieved 1/22/2025
Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

Expires 4/14/2026
  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC
Bank of America
Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Expires in 4 days
  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 1/31/2026.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
Chase
Member FDIC

Chase Total Checking® - $400 Bonus

Expires 4/15/2026
  • New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
  • Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
  • Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
  • Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
  • Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
  • Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
  • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
U.S. Bank
Member FDIC

U.S. Bank Business Essentials - $400 Bonus

Expires 3/31/2026

Promo code Q1AFL26 MUST be used when opening a U.S. Bank Business Essentials® or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.

Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.

Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.

New money is defined as funds from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees may reduce the required daily balance during the qualifying period.

Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.

Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.

All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice.
Member FDIC

CIT Bank
Member FDIC

CIT Bank Platinum Savings - $300 Bonus

Expires Tomorrow
  • Qualify for a $300 cash bonus with a minimum deposit of $50,000
  • This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.
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What matters most when considering banking bonuses?
53% Bonus amount
47% Qualification requirements
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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