Wells Fargo is offering a limited-time cash bonus—here’s what you need to know
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From time to time, banks roll out offers that make people stop and take notice.
Right now, one of the country’s biggest names is giving new customers a chance to earn a cash reward just for opening an account and meeting a few conditions.
For those who are already thinking about making a switch or adding a new checking account, the timing might be ideal.
But, like all promotions, this one comes with deadlines and requirements that can’t be ignored.
Before you decide if it’s worth it, here’s a closer look at how the deal works and what to consider.
Wells Fargo is offering a $325 cash bonus to new customers who open an Everyday Checking account.
This isn’t a sweepstakes—it’s a direct reward for following the steps.
To qualify, the account must be opened by October 15, 2025 through the dedicated offer page on the Wells Fargo website.
The Everyday Checking account currently carries a $10 monthly service fee, though there are ways to avoid it.
Current waiver options:
Starting November 29, 2025, the monthly service fee will increase to $15.
At the same time, updated waiver criteria will take effect for fee periods beginning on or after October 25, 2025.
New waiver options include:
Earning $325 in extra cash is appealing, but the value depends on whether you can avoid monthly fees.
For those who can easily set up direct deposits or maintain the required balance, this could be a simple way to boost your funds.
On the other hand, if fees are likely to apply, the bonus may not stretch as far as it seems.
Banks use promotions like this to attract new customers.
The cash reward gives people a reason to try out the services, while the bank benefits from fresh accounts and deposits.
Existing customers typically aren’t eligible, since the goal is to bring in new money.
For anyone in the market for a new checking account, this Wells Fargo offer is worth considering.
The $325 bonus is generous, but the real benefit depends on how well you can manage the account to avoid monthly fees.
If the timing works, it could be a nice financial boost before the holiday season.
At The GrayVine, we’re always on the lookout for ways to help readers stretch their money.
If you’re planning to take advantage of this offer, don’t wait too long—the deadline is approaching fast.
Read next:
Have you ever signed up for a bank bonus offer? Did it turn out to be worthwhile, or did the conditions make it tricky to keep the bonus?
Share your experiences in the comments—your advice could help someone else decide whether this Wells Fargo deal is the right move!
Right now, one of the country’s biggest names is giving new customers a chance to earn a cash reward just for opening an account and meeting a few conditions.
For those who are already thinking about making a switch or adding a new checking account, the timing might be ideal.
But, like all promotions, this one comes with deadlines and requirements that can’t be ignored.
Before you decide if it’s worth it, here’s a closer look at how the deal works and what to consider.
Banks often roll out limited-time promotions to attract new customers. Image Source: YouTube / FOX 26 Houston.
What’s the deal?
Wells Fargo is offering a $325 cash bonus to new customers who open an Everyday Checking account.
This isn’t a sweepstakes—it’s a direct reward for following the steps.
To qualify, the account must be opened by October 15, 2025 through the dedicated offer page on the Wells Fargo website.
How to get your $325 bonus
- Open an Everyday Checking account
Use the Wells Fargo website’s offer page to sign up, or visit a branch with a minimum opening deposit of $25. - Set up direct deposits
Within 90 days, receive at least $1,000 in qualifying direct deposits—this could be from Social Security, a pension, a paycheck, or other income. - Wait for the bonus
Once the direct deposit requirement is met, Wells Fargo will add $325 to your account within 30 days.
Also read: A major US bank is offering a $250 bonus—here’s how just $1 a day could unlock it
A word about fees
The Everyday Checking account currently carries a $10 monthly service fee, though there are ways to avoid it.
Current waiver options:
- Receive $500 or more in qualifying electronic deposits each month.
- Maintain a $500 minimum daily balance.
- Be between 17 and 24 years old.
- Qualify for the Wells Fargo Worldwide Military Banking Program.
Also read: Is your bank about to charge you $15 a month? Wells Fargo’s new fee kicks in soon
Fee changes coming soon
Starting November 29, 2025, the monthly service fee will increase to $15.
At the same time, updated waiver criteria will take effect for fee periods beginning on or after October 25, 2025.
New waiver options include:
- $500 or more in qualifying electronic deposits each month.
- Primary account holder is 17–24 years old.
- Non-civilian military direct deposit under the Worldwide Military Banking Program.
- Maintain a $1,500 minimum daily balance.
- Hold $5,000 or more in combined deposit and investment balances at the end of the fee period.
Also read: Looking for extra cash? These bank bonuses could put up to $400 in your pocket
Is this offer right for you?
Earning $325 in extra cash is appealing, but the value depends on whether you can avoid monthly fees.
For those who can easily set up direct deposits or maintain the required balance, this could be a simple way to boost your funds.
On the other hand, if fees are likely to apply, the bonus may not stretch as far as it seems.
Also read: An easy way to earn $200? Here’s how Wells Fargo is helping new cardholders put cash back in their pockets
Tips for maximizing your bonus
- Set up direct deposit immediately so you don’t miss the 90-day window.
- Track your balance to ensure you meet fee waiver rules.
- Mark the October 15 deadline to secure eligibility.
- Review your banking needs and consider if Wells Fargo’s services fit your lifestyle.
Also read: Capital One customers could be in line for settlement payments—here’s what to know
Why do banks offer these bonuses?
Banks use promotions like this to attract new customers.
The cash reward gives people a reason to try out the services, while the bank benefits from fresh accounts and deposits.
Existing customers typically aren’t eligible, since the goal is to bring in new money.
Final thoughts
For anyone in the market for a new checking account, this Wells Fargo offer is worth considering.
The $325 bonus is generous, but the real benefit depends on how well you can manage the account to avoid monthly fees.
If the timing works, it could be a nice financial boost before the holiday season.
At The GrayVine, we’re always on the lookout for ways to help readers stretch their money.
If you’re planning to take advantage of this offer, don’t wait too long—the deadline is approaching fast.
Read next:
- Unlock hidden benefits! Discover the retirement perks your bank doesn’t advertise
- Overdraft alert: how the latest law will change fees at big banks—and how your account is affected
- Empty shelves ahead? Concerns grow over recent budget changes
Have you ever signed up for a bank bonus offer? Did it turn out to be worthwhile, or did the conditions make it tricky to keep the bonus?
Share your experiences in the comments—your advice could help someone else decide whether this Wells Fargo deal is the right move!
