Wells Fargo vs Raisin

Wells Fargo is an a "big 4" bank with a good range of checking accounts and full services. How does it compare to Raisin? Read our comparison chart below.

	Member FDIC
	Learn More	Visit Site
	Wells Fargo	Raisin
	SPECIAL OFFER Wells Fargo Everyday Checking Account - $325 Bonus Read Wells Fargo Review	SPECIAL OFFER High-Yield Savings Account - Up to $1,500 Bonus - Learn More Read Raisin Review
	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.
CD	Standard Fixed Term CD available online: 0.50% to 1.50% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 0.51% 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.
Checking	Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking
Mobile App	iOS & Android
ATMs	11,000+ ATMs across the country
Customer Service	Available 24 hours a day, 7 days a week.
FAQ		Where are my funds held? Your account is opened through Raisin, an online savings marketplace partnering with over 40 federally insured US banks and credit unions. However, your funds are held in a custodial account with the bank or credit union that is providing your savings account. Are my deposits insured? Yes. all banks and credit unions on the Raisin platform is FDIC or NCUA insured. For each institution, your funds are insured up to $250,000 per depositor. Are there any fees? No, there are no monthly service fees, account opening fees, or account closing fees. How long do deposits and withdrawals take? All deposits and withdrawals are completed within one to three (1-3) business days. How do I access my money? You have 24/7 online access. To withdraw money, just transfer it back to your linked bank account.
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	Online only
	CreditDonkey® Reviews
Savings
CD
Checking
Mobile App
Customer Service
Money Market
Pros & Cons	Pros: Low requirements for Everyday Checking Full service bank 24/7 customer service Cons: Low savings rates Not in all states	Pros: Multiple savings accounts in one place No monthly fee $1 minimum Cons: No checking accounts Smaller banks & credit unions
Bottom Line	A "big 4" bank with a good range of checking accounts and full services... Read full review	Online savings platform offering some of the highest APYs in the nation... Read full review
	Learn More	Visit Site
		High-Yield Savings Account - Up to $1,500 Bonus No-Penalty CD - Up to $1,500 Bonus High-Yield CD - Up to $1,500 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Wells Fargo: Pricing information from the published website as of 02/01/2026 is based on the 91101 zip code.

Wells Fargo Everyday Checking Account - $325 Bonus

Learn More

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

High-Yield Savings Account - Up to $1,500 Bonus

Get Deal

Expires 2/28/2026

New customers only. Earn up to a $1,500 bonus.

1. Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
2. Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
3. Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.

Deposit	Cash Bonus
$10,000 - $24,999	$70
$25,000 - $49,999	$175
$50,000 - $99,999	$350
$100,000 - $199,999	$750
$200,000 or more	$1,500

No-Penalty CD - Up to $1,500 Bonus

Get Deal

Expires 2/28/2026

New customers only. Earn up to a $1,500 bonus.

1. Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
2. Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
3. Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.

Deposit	Cash Bonus
$10,000 - $24,999	$70
$25,000 - $49,999	$175
$50,000 - $99,999	$350
$100,000 - $199,999	$750
$200,000 or more	$1,500

High-Yield CD - Up to $1,500 Bonus

Get Deal

Expires 2/28/2026

New customers only. Earn up to a $1,500 bonus.

1. Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
2. Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
3. Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.

Deposit	Cash Bonus
$10,000 - $24,999	$70
$25,000 - $49,999	$175
$50,000 - $99,999	$350
$100,000 - $199,999	$750
$200,000 or more	$1,500

Which is Better: Wells Fargo or Raisin?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Wells Fargo or Bank of America.

In short: Wells Fargo's mobile app and customer service are worth mentioning. In particular, the mobile app is impressive. Raisin's savings and cd are impressive.

Articles on Wells Fargo

Wells Fargo Bank Review

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Wells Fargo Checking Account Bonus

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Wells Fargo High Yield Savings

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Wells Fargo Bank CD Rates

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Articles on Raisin

Is Raisin Safe and Legit

Raisin offers great savings accounts with impressive APYs to boost your savings. But is it safe to use? Read on to find out.

Raisin Review

Unravel the truth about Raisin's safety and legitimacy in this review.

Which Do You Think is Best?

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