The Wells Fargo $400 Everyday Checking bonus is still available as of October 16, 2026, and runs through November 9, 2026: open a new Everyday Checking account with the bonus offer code by that date, receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening, and Wells Fargo deposits the $400 within 30 calendar days of you meeting the requirements. It's for new Wells Fargo consumer checking customers who haven't received a Wells Fargo consumer checking bonus in the past 12 months.
Deal Details
- Bonus: $400 cash to the new Everyday Checking account.
- Requirement: $1,000 or more in qualifying direct deposits within 90 calendar days of account opening.
- Minimum opening deposit: $25.
- Offer ends: November 9, 2026 (open the account with your bonus offer code by then).
- Bonus posting: within 30 calendar days after you meet the offer requirements.
- Eligibility: New Wells Fargo consumer checking customers only, as the primary owner of the new account. Not available if you received a bonus for a Wells Fargo consumer checking account in the past 12 months, if you're a Wells Fargo employee, or if you're a non-resident alien or foreign entity signing an IRS Form W-8. Wells Fargo Private Bank deposit accounts aren't eligible.
Qualifying electronic deposits are salary, government benefits or other income that arrive by ACH direct deposit, as an instant payment over the RTP network or FedNow Service, or as a Visa or Mastercard credit to your debit card. Transfers between accounts, mobile deposits, Zelle and branch or ATM deposits don't count.
How to Take Advantage
- Open an Everyday Checking account through Wells Fargo's welcome bonus page (linked below) and fund it with at least $25.
- Set up qualifying direct deposits totaling $1,000 or more within 90 days. A single deposit or several smaller ones both count.
- Wait for the $400 to post within 30 calendar days of meeting the requirements, and keep the account open until it does: Wells Fargo requires the new account to stay open through the time it attempts to deposit the bonus.
How It Compares
Chase Total Checking pays $300 to new Chase checking customers who have a direct deposit of their paycheck, pension or government benefits made into the new account within 90 days of coupon enrollment, with the offer code used by January 27, 2027. Chase says it deposits that bonus within 15 days of the requirements being met, against Wells Fargo's 30 calendar days.
Wells Fargo Cards to Pair With It
If you're opening the account anyway, the bank's Active Cash Card is its flat-rate cash back option and the Autograph Card is its travel rewards option.
The Tax Note
Wells Fargo says you're responsible for any taxes due on the bonus and that it will report the bonus as income to tax authorities. If you're subject to backup withholding when it's paid, Wells Fargo may withhold the required amount.
Watch-Outs
The account carries a $15 monthly service fee. Avoid it each fee period with one of these: a $1,500 minimum daily balance; $5,000 or more in qualifying deposit balances, investment balances, or both; $500 or more in qualifying electronic deposits; a primary account owner who is 17 to 24; or a qualifying monthly non-civilian military direct deposit through Wells Fargo's Worldwide Military Banking program. Every month of unwaived fees comes out of the bonus.
Open Wells Fargo Everyday Checking before the November 9, 2026 deadline.
Updated October 16, 2026: offer still available.
