*How to qualify for this offer

To be Eligible: Offer is for new business checking customers only. Limit one business checking bonus per business and one per business owner within a 24-month period. Only one business checking bonus may be paid per business, regardless of the number of owners. A business owner is not eligible to receive more than one business checking bonus during this period, including across multiple businesses.  Only a Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account is eligible for this offer. You are not eligible for this offer if you currently own a Wells Fargo business checking account, closed one within the past 90 days, or are an employee of Wells Fargo. Non-resident aliens or foreign entities signing Form W-8 are not eligible for the offer. If Wells Fargo suspects misuse or abuse of this promotional offer, it may close the account and may rescind or not pay the bonus.

To receive the cash bonus: You must use your bonus offer code by November 10, 2026  when opening a new eligible Wells Fargo business checking account, which is subject to approval, and complete the following requirements.

• Deposit: Bring $2,500 or more in deposits to your new eligible business checking account by day 30 from account opening. The account balance as of day 30 will determine the maximum cash bonus you may earn based on the below table. You may not deposit additional funds after the first 30 days to qualify for a higher cash bonus.

  Deposit amount	Cash bonus
  $2,500 - $9,999	$400
  $10,000 - $24,999	$550
  $25,000 or more	$825

• Maintain the account balance in your account through day 60 from account opening (the “qualification period”). If your balance drops to a lower tier amount in the above table during this period, your cash bonus will be reduced or your account will no longer qualify for this bonus if it falls below the lowest tier.
• Qualifying Transactions: Complete 5 or more qualifying posted transactions within the 60-day qualification period. A qualifying transaction is a completed transaction that has been fully processed and posted to your account. Transactions generally post within 1 to 3 days, however, timing of when a transaction will post can vary from the same day to weeks later.

The following count as qualifying transactions:

• Posted transactions from purchases using your Wells Fargo business debit card
  • Eligible debit card purchases are limited to: one-time or recurring payments and purchases made using PIN, signature, online, by phone, or Digital wallet2.
  • Wells Fargo can’t post your debit card transaction until the merchant submits the transaction to us for payment. Transactions received from a merchant after the cutoff time or on a non-business day are posted on the next business day.
• Posted payments you initiated through Wells Fargo Bill Pay
• Posted deposits using the Wells Fargo Mobile® app, ATM, Branch Teller, ACH, or Wire transfers

The following don’t count as qualifying transactions:

• Sending or receiving money with Zelle®
• Withdrawals from ATM, Branch Teller, ACH, or Wire transfers
• Transfers or payments to or from other Wells Fargo accounts
• Transfers made through the RTP® network (real-time payments) or FedNow℠ Service
• Debit Card Original Credit Transactions (OCT): a credit to your card when your debit card number is used to receive funds

After the 60-day qualification period, if you have met all offer requirements, we will deposit the bonus into your new account within 30 calendar days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. We may close accounts with a zero balance without prior notice. You are responsible for any taxes due on the bonus. We will report the bonus as income to 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.

Other Terms: This offer may be discontinued or changed at any time without notice and cannot be combined with any other business checking offer. Offer cannot be reproduced, purchased, sold, transferred, or traded.

Talk with a banker or see the "Business Account Fee and Information Schedule" and "Deposit Account Agreement" for complete checking account details, including the applicable monthly service fee and options to avoid it. The actions required to earn this bonus are separate from the actions available to avoid the monthly service fee.

**The monthly service fee for the Initiate Business Checking account is $15. The minimum opening deposit is $25.

Avoid the monthly service fee with one of the following each fee period:

• $2,000 minimum daily balance.
• $5,000 combined account balance.
  • The combined balance is determined on the last business day of your fee period. Combined business deposit balances include the average ledger balance in your Initiate Business Checking account plus other qualified accounts, including:
    • Business checking accounts: Initiate Business Checking, Navigate Business Checking, Optimize Business Checking, and Analyzed Business Checking
    • Business savings accounts: Business Market Rate Savings and Business Platinum Savings
    • Business time accounts (CDs): Business Time Accounts
  • The combined business deposit balance waiver will be applied as a refund after the statement cycle ends.
• Own a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account.
  • Customers who own a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account and own a business with an Initiate Business Checking, Navigate Business Checking, Business Market Rate Savings, or Business Platinum Savings will have their monthly service fee waived on the business account(s). Customer must be an individual owner, joint owner, or trustee of the Premier Checking, Private Bank Checking, or Private Bank Interest Checking account and be a business owner with transaction authority on the business account. If a business has multiple owners, the benefit will apply as long as one of the owners has a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account. In the event a customer no longer has a Premier Checking, Private Bank Checking, or Private Bank Interest Checking account, that customer is no longer eligible for the monthly service fee waiver benefit.

See the Business Account Fee and Information Schedule for additional business account information.

footnote 1. 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 and your applicable business account fee disclosures for other terms, conditions, and limitations. ←back to content

footnote 2. Digital wallets may not be available on all devices. Your mobile carrier’s message and data rates may apply. ←back to content

footnote 3. Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account enrolled with Zelle® through their bank. 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 as described or as you expected. Payment requests must be sent to enrolled Zelle® users. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft, Business Account Analysis fees) may apply to Wells Fargo account(s) with which you use Zelle®. 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. ←back to content

footnote 4. 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. ←back to content

footnote 5. You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac don’t provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating. ←back to content

footnote 6. Turning off your credit card is not a replacement for reporting your card lost or stolen. Contact us immediately if you believe that unauthorized transactions have been made. Turning your card off will not stop card transactions presented as recurring transactions or the posting of refunds, reversals, or credit adjustments to your account. Turning off your card will turn off all cards associated with your credit card account, including any digital card numbers linked to the cards. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. ←back to content

footnote 7. Wells Fargo reserves the right to accept or reject any artwork, images, or logos. For example, any third-party trademarks, copyrighted materials, or name, image, and likeness of any public figures will not be approved. ←back to content

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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