
Wells Fargo Offers and Promotion Codes for January 2026
Wells Fargo is currently offering eleven promotions. Read our in-depth review of Wells Fargo to see why Wells Fargo scored 3.9 stars out of 5. We like their low requirements for everyday checking, full service bank, and 24/7 customer service.
Wells Fargo Everyday Checking Account - $325 Bonus
- 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
Personal Checking Account - $125 Bonus
Open a new qualifying consumer checking account. Make 10 or more qualifying transactions posted to the new checking account within 60 days of account opening. This offer is for new checking account customers only.
The information for Personal Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Personal Checking Account - $400 Bonus
Open a new qualifying consumer checking account. Receive a total of $1,000 or more in qualifying electronic deposits to the new checking account within 90 calendar days from account opening (qualification period). Bonus will be deposited to the account within 30 days after the qualification period. This offer is for new checking account customers only.
The information for consumer checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Personal Checking Account - $2,500 Bonus
Open a new Premier Checking account or upgrade your existing checking account to a Premier Checking account. Use promo code at account opening. Offer code can be obtained by providing your email address. Deposit $250,000 or more to qualifying linked accounts within 45 days of account opening or upgrade. Maintain a balance of $250,000 or more in the qualifying linked accounts for at least 90 days after account opening or upgrade.
The information for Premier Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Business Checking Account - $400 Bonus
Open a new Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account. Use promo code at account opening. Promo code can be obtained by providing your email address. Make a deposit of $2,500 or more by day 30 and maintain a minimum daily collected balance of $2,500 through day 60 after account opening.
The information for Business Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Business Checking Account - $825 Bonus
Open a new Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account. Use promo code at account opening. Promo code can be obtained by providing your email address. Make a deposit of $25,000 or more by day 30 and maintain a minimum daily collected balance of $25,000 through day 60 after account opening.
The information for Business Checking Account has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Personal Checking Account - $2,500 Bonus
Open a new Premier Checking account or upgrade your existing checking account to a Premier Checking account. Use promo code at account opening. Offer code can be obtained by providing your email address. Deposit $250,000 or more to qualifying linked accounts within 45 days of account opening or upgrade. Maintain a balance of $250,000 or more in the qualifying linked accounts for at least 90 days after account opening or upgrade.
The information for Premier Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Navigate Business Checking
- 250 free transactions each fee period
- $20,000 in cash deposits processed free each fee period
- $0 for stop payments and incoming wires
- $25 minimum opening deposit
- Waive the $25 monthly service fee by maintaining a $10,000 minimum daily balance or a $15,000 average ledger balance
The information for Navigate Business Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Optimize Business Checking
- Access to treasury management services
- 250 free transactions each fee period
- Includes up to 5 linked Optimize Business Checking accounts
- $25 minimum opening deposit
- $75 monthly service fee; Can be offset with earnings allowance
The information for Optimize Business Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Initiate Business Checking
- 100 free transactions each fee period
- $5,000 in cash deposits processed free each fee period
- $25 minimum opening deposit
- Waive the $10 monthly service fee by maintaining a $500 minimum daily balance or a $1,000 average ledger balance, OR own a Premier® Checking, Private Bank Checking, or Private Bank Interest Checking account
The information for Initiate Business Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Clear Access Banking
- $5/month fee (can be waived)
- No minimum daily balance required
- Only $25 to open
- No overdraft fees and optional overdraft services available
- ATMs 11,000+ fee-free ATMs available nationwide
The information for Clear Access Banking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
| 2 days ago | Personal Checking Account - $400 Bonus selected by a visitor from Illinois |
| 4 days ago | Wells Fargo Everyday Checking Account - $325 Bonus selected by a visitor from California |
| 11 days ago | Business Checking Account - $825 Bonus selected by a visitor |
| 28 days ago | Personal Checking Account - $125 Bonus selected by a visitor from Texas |
| 30 days ago | Business Checking Account - $400 Bonus selected by a visitor |
Compare Promotions
CIT Bank Platinum Savings - $300 Bonus
- 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.
Bank of America Advantage Banking - Up to $500 Cash Offer
- 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 Bonus Total 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 Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Total Checking® - $400 Bonus
- 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 Business Essentials - $400 Bonus
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
Wells Fargo Bonus Promotions
Checking Accounts
Wells Fargo frequently offers cash bonuses for new checking customers. Some deals are only available for residents of select cities, so make sure you read the fine print carefully.
- Wells Fargo Everyday Checking Account:
$325 Bonus - Personal Checking Account:
$125 Bonus - Personal Checking Account:
$400 Bonus - Personal Checking Account:
$2,500 Bonus - Business Checking Account:
$400 Bonus - Business Checking Account:
$825 Bonus - Personal Checking Account:
$2,500 Bonus
Wells Fargo checking accounts offer free mobile banking, account alerts, and free online bill pay. Accessing your money is convenient with free access to 11,000+ ATMs across the country.
Everyday Checking Account Features
This is Wells Fargo's most popular checking account. It requires a minimum deposit of $25. Here are some unique features:
- Optional Overdraft Protections. Wells Fargo offers a few protection options in cases of accidental over-withdrawal. Extra Day Grace Period gives you an extra business day to cover overdrafts and avoid overdraft fees. You can also link a savings and/or credit account and funds from that account will be used to cover overdrafts. Or when your balance isn't enough, you can choose to go through with the transaction only if you approve it.
- Card-free ATM access. If you need to withdraw money, but forgot your card at home, you can access Wells Fargo ATMs with a code instead. From your Wells Fargo mobile app, you can request a one-time code. Then you'll be able to complete any available ATM transactions. This feature is free.
- Pause lost debit card. If you misplaced your debit card, you can temporarily turn it off so others can't use it. Once you've found it, just simply turn it back on.
- Custom debit card. You can design your debit card to reflect your personal style. You can choose your own photo or one from Wells Fargo's image library for your debit card.
Highlights
0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under.
Standard Fixed Term CD available online: 1.01% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 1.02% to 1.51% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch.
Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking
iOS & Android
11,000+ ATMs across the country
Available 24 hours a day, 7 days a week.
Standard Term CD: 0.01% to 1.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 1.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD.
approximately 4,100 retail banking branches coast to coast
- Pricing information from the published website as of 10/25/2025 is based on the 91101 zip code.
- For the complete terms and conditions, view the merchant's website. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. Please review the terms and conditions on the merchant's website.
More Information
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| Learn More | Learn More | |
Wells Fargo | Bank of America | |
|---|---|---|
Benefits and Features | ||
| Savings | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under. | Bank of America Advantage Savings Standard Rate: 0.01% APY |
| CD | Standard Fixed Term CD available online: 1.01% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 1.02% to 1.51% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch. |
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| Checking | Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking | |
| Mobile App | ||
| ATMs | 11,000+ ATMs across the country | |
| Customer Service | Available 24 hours a day, 7 days a week. |
|
| IRA CD | Standard Term CD: 0.01% to 1.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 1.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. | |
| Locations | approximately 4,100 retail banking branches coast to coast | |
| Learn More | Learn More | |
Wells Fargo: Pricing information from the published website as of 10/25/2025 is based on the 91101 zip code. Bank of America: Pricing information from published website as of 01/09/2026 based on 91107 zip code. | ||
More Deals to Save Money at Wells Fargo
Platinum Savings (Relationship Interest Rates) - 0.05% APY
When linked to Premier Checking. Rates are for zip code 91107, and may vary per location. The information for Platinum Savings has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Platinum Savings (Relationship Interest Rates) - 0.02% APY
When linked to Prime Checking. Rates are for zip code 91107, and may vary per location. The information for Platinum Savings has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Platinum Savings - 0.01% APY
- Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- $25 minimum opening deposit
Rates are for zip code 91107, and may vary per location. The information for Platinum Savings has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Wells Fargo Alternatives
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new eligible business checking customers only.
- Offer expires 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America accounts or Merrill investment accounts.
- ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
- Bank of America, N.A. Member FDIC
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Get added features at no additional costs. Choose Chase Business Complete Banking® to get a fully integrated business solution that can help you control costs. Waive the $15 Monthly Service Fee in multiple ways like keeping a minimum $2,000 balance, plus use built-in offerings such as card acceptance, invoicing, Chase Customer Insights and Tap to Pay on iPhone at no additional cost.
- Bank with confidence. Feel confident knowing we have the largest branch network in the U.S. with 5,000 branches that provide personalized service and can help with your complex banking needs. You can also benefit from our account protection services, which provide safeguards by overseeing employee account activity, monitoring checks, and offering additional protection for your business.
- Access top-rated online business banking. Take advantage of our #1-ranked online small business banking platform with a comprehensive set of features designed for small business owners like you. Our tools enhance your ability to manage cash flow, accept and make payments, create invoices and plan for growth, so you can streamline processes and gain greater control of your finances.
U.S. Bank Platinum Business Checking - $1,200 Bonus
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.
Platinum Business Checking: $1,200 bonus with $25,000 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 Platinum Savings - $225 Bonus
- Qualify for a $225 cash bonus with a minimum deposit of $25,000
- 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.
Free Business Checking - Earn $500 Bonus
To earn the $500 bonus, customers must apply for a Bluevine Business Checking account anytime between now and 03/31/2026 using the referral code CD500.
After opening your account, deposit a total of $5,000 within the first 30 days. After 30 days, maintain a minimum daily balance of $5,000 while also completing at least one of the following eligibility requirements every 30 days for 90 days:
- Deposit at least $5,000 from eligible merchant services to your Bluevine account OR
- Make at least $5,000 of outbound payroll payments from your Bluevine account using eligible payroll providers OR
- Spend at least $2,000 on eligible transactions with your Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®
Banking services provided by Coastal Community Bank, Member FDIC






















