Earn up to $825 bonus with a new business checking account*

* How to qualify for this offer

To be Eligible: Offer is for new business checking customers only. Only the business entity is eligible for this offer. Limit one business checking bonus offer per business entity or business owner within 24 months. Only a Wells Fargo Initiate Business Checking®, Navigate Business Checking®, or Optimize Business Checking® account is eligible for this offer. A business entity is not eligible for this offer if the business entity is a current owner of a Wells Fargo business checking account or has closed a Wells Fargo business checking account in the past 90 days, or the business entity is owned in whole or in part by a Wells Fargo employee. Non-resident aliens or foreign entities signing Form W-8 are not eligible for the offer. If Wells Fargo, in its sole discretion, suspects promotional offer abuse it may close an account and not pay a bonus.

To receive the cash bonus: You must use your bonus offer code by September 8, 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 wallet1.
  • 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. Your new account must stay open throughout the time we attempt to deposit the bonus. 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. Digital wallets may not be available on all devices. Your mobile carrier’s message and data rates may apply. ←back to content

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