Member FDIC. $125 New Wells Fargo Customer Online Checking Account Offer. Learn more. (2024)

Open a Clear Access Banking account^** with a minimum opening deposit of $25 from this offer webpage. Complete the qualifying requirementsOpens Dialog to receive your $125 bonus. This offer is for new checking customers only. Clear Access Banking is a checkless account. See how to avoid the $5 monthly service feeOpens Dialog.

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*How to qualify for this offer

Eligibility Requirements:

• This offer is for new consumer checking customers only. All Wells Fargo consumer checking accounts are eligible for this offer with the exception of checking accounts offered by Wells Fargo Private Bank. Only the primary owner of the new checking account is eligible for this offer.
• You must use your bonus offer code at account opening when you apply for a new eligible Wells Fargo checking account.
• You are not eligible for this offer if:
  • You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility.
  • You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months.
  • You are a Wells Fargo employee.

Bonus Requirements:

1. Open a new Wells Fargo consumer checking account by June 25, 2024. All account applications are subject to approval.
2. Within 60 calendar days of account opening (the “qualification period”), you must make 10 or more qualifying posted transactions using your new checking account. Generally, transactions post within 1 to 3 days. However, the timing of when a transaction will post can vary from the very same day to several weeks later. Only the following count as qualifying posted transactions:
   • Posted Zelle® transactions: use Zelle® either through WellsFargo.com or the Wells Fargo Mobile® app to send or receive money.
   • Posted checks deposited using the Wells Fargo Mobile® app
   • Posted payments you initiated through Wells Fargo Bill Pay
   • Posted transactions from purchases using your Wells Fargo debit card
     • Eligible debit card purchases are limited to:
       • Debit card purchases made using PIN, signature, online, or by phone
       • Debit card payments including one-time or recurring.
       • Digital wallet purchases with your Wells Fargo debit card

The following do not count as qualifying transactions:

• Wells Fargo teller line transactions
• ATM transactions (Wells Fargo or non-Wells Fargo ATMs)
• Transactions that require using your account number and routing number.
• Transactions that do not post within the qualification period
• Debit Card Account Funding Transactions (AFT), which is a debit to your card to fund a digital wallet, or other eligible account.
• Debit Card Original Credit Transactions (OCT), which is a credit to your card when your debit card number is used to receive funds.
• Deposited checks that have been returned or placed on hold.

Debit Card Purchases:

Debit card purchases must be posted by the end of the qualification period June 25, 2024 to be counted toward the required number of qualifying posted transactions that period. Wells Fargo cannot post your debit card transaction until the merchant submits the transaction to us for payment. Transactions received from a merchant after the applicable cutoff time or on a non-business day (Saturday, Sunday, and federal holidays) are posted on the next business day. See your account agreement or ask a banker for applicable cutoff times. A posted transaction is a completed transaction that has been fully processed on your account and appears on your account statement. Transactions that appear as “pending” have not posted and do not count as qualifying posted transactions for this offer.

Bonus Payment:

• Once the 60-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days.
• The new checking account must remain open throughout the 60-day qualification period and at the time we attempt to deposit any earned bonus payment. Please note that an account with a zero balance may be closed by us without prior notice, as further described in the Deposit Account Agreement.
• You are responsible for any federal, state, or local taxes due on the bonus. We will report the bonus as income to the tax authorities as required by applicable law. If you are subject to backup withholding at the time of payment, we will withhold the required amount and remit to the tax authorities in accordance with applicable law. Consult your tax advisor.

Additional Terms and Conditions:

• Offer expires June 25, 2024. However, offer may be discontinued or changed at any time prior to the expiration date without notice.
• Offer cannot be:
  • Paid to non-resident aliens and foreign entities signing any version of IRS Form W-8.
  • Combined with any other consumer deposit offer (limit one bonus per customer/account).
  • Reproduced, purchased, sold, transferred, or traded.
• The actions required to earn this bonus are separate and distinct from the options available to you to avoid any applicable monthly service fee for the checking account you opened.

Talk with a banker or see the “Consumer Account Fee and Information Schedule” and “Deposit Account Agreement”opens new window available at wellsfargo.com/depositdisclosures for complete checking account details, including the applicable monthly service fee and options to avoid it.

Wells Fargo Private Bank offers products and services through Wells Fargo Bank, N.A., Member FDIC and its various affiliates and subsidiaries. Wells Fargo Bank, N.A. is a bank affiliate of Wells Fargo & Company.

This promotion is in no way sponsored, endorsed, administered by or associated with Early Warning Services, LLC or Zelle®.

**The Wells Fargo Clear Access Banking account monthly service fee is $5. Minimum opening deposit is $25.

The monthly service fee can be avoided with one of the following each fee period:

• Primary account owner is 13 through 24 years old. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee). Customers between 13 and 16 years old must have an adult co-owner.
• Linked to a Wells Fargo Campus ATM Card or Campus Debit Card.
  • Eligibility is based on university and college participation in the Wells Fargo Campus Card℠ program. Ask a banker or visit wellsfargo.com/campuscard(opens new window) for additional details.
• A qualifying monthly non-civilian military direct deposit with the Wells Fargo Worldwide Military Banking program
  • You will receive your Worldwide Military Banking program benefits 45 days after your qualifying non-civilian military direct deposit is deposited into your eligible Wells Fargo checking account. For more information on the qualifying non-civilian military direct deposit, program qualifications and benefits, please visit wellsfargo.com/military/worldwide-military-banking(opens new window) or wellsfargo.com/depositdisclosures(opens new window).

1. Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement(opens new window) for details.

2. Terms and conditions apply. Some (but not all) digital wallets require your device to be NFC (Near Field Communication) enabled and to have the separate wallet app available. Your mobile carrier’s message and data rates may apply.

3. With Early Pay Day, the Bank may make incoming electronic direct deposits made through the Automated Clearing House (ACH) available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Available for personal accounts only. See our Deposit Account Agreement(opens new window) for more details.

4. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g. Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers or electronic credits are not eligible for Early Pay Day.

5. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. Fargo is only available on the smartphone versions of the Wells Fargo Mobile® app.

6. Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. For your protection, Zelle® should only be used for sending money to friends, family, or others you trust. Neither Wells Fargo nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for or the item is not described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement(opens new window). Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft) may apply to Wells Fargo account(s) with which you use Zelle®.

7. Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement(opens new window) and your applicable business account fee disclosures for other terms, conditions, and limitations.

8. For customers unable to open a standard account due to past credit or banking history for the first 365 days from the date your new Clear Access Banking account was opened, you won’t be able to convert into any other Wells Fargo account. After 365 days, you can convert into any Wells Fargo consumer checking account offered at that time.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.