Wells Fargo

Get a $400 new business checking customer bonus*

This offer is for new business checking customers only and ends November 4, 2025.

Open a new eligible business checking account and complete the qualifying requirements to receive your $400 bonus.

$400 bonus

Open an account online

Your bonus offer code will be automatically applied to your Initiate Business Checking®**
account when you complete your online
application from this offer webpage.

Apply online >>

See how to avoid the $10 monthly service fee for the Initiate Business Checking account.

OR

Open your account in a branch

Enter your email below to get the bonus offer code to provide to a banker at account opening. You agree that Wells Fargo may contact you at the email address provided to deliver your bonus offer code for this offer.

Email address is required
Find a branch >>

Get your $400 bonus in just three steps:

This offer is for new business checking customers only.

1 Open

Open a new Initiate Business Checking account from this offer webpage by November 4, 2025. This offer is for new business checking customers only.

You can also open a new eligible business checking account at your nearest Wells Fargo branch with a minimum opening deposit of $25. You must provide the bonus offer code to the banker at the time of account opening.

2 Deposit

Deposit $2,500 or more to your new business checking account by day 30 and maintain a minimum daily collected balance of $2,500 through day 60 after account opening.

3 Enjoy

We will deposit your bonus into your new business checking account within 30 days after you have met all offer requirements.

Your account benefits

Take advantage of these business checking benefits:

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Experienced support you can count on

Our business bankers are here to help you reach your goals.

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A full suite of products and services

Experience solutions and support that can help your business thrive.

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Digital tools and
security

Our products, tools, and resources for business are here to help simplify your financial life.

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Convenient payment options

Discover secure solutions for accepting payments onsite, online or on the go.

Visit Wells Fargo Business >>

Frequently Asked Questions

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Visit What you'll need to open a business deposit account for the documents you will need on hand to open an account.

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 business checking account within 30 days.

* How to qualify for this offer

Eligibility Requirements:

  • This offer is for new business checking customers only. All account applications are subject to approval. Only the business entity is eligible for this offer.
  • The bonus offer code must be used at account opening.
  • 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.
    • The business entity has received a bonus for opening a Wells Fargo business checking account within the past 12 months.
    • The business entity is owned in whole or in part by a Wells Fargo employee. 

Bonus Requirements:
To receive the $400 bonus:

  1. The bonus offer code must be used when opening a new eligible business checking account by November 4, 2025.
  2. Deposit $2,500 or more to the eligible business checking account by day 30 from account opening and maintain a minimum daily collected balance of $2,500 through day 60 after account opening.

Bonus Payment:

  • Once the 60-day qualification period has ended, we will determine if you have met the offer requirements and will deposit any earned bonus into your new business checking account within 30 days.
  • The new business checking account must remain open throughout the qualification period and be open 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 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 may withhold the required amount and remit to the tax authorities. For additional information, consult your tax advisor.

Additional Terms and Conditions:

  • Offer expires November 4, 2025. However, this offer may be discontinued or changed at any time prior to the expiration date without notice.
  • Bonus offer code cannot be used more than once.
  • Offer cannot be:
    • Paid without a valid U.S. Taxpayer Identification Number (Form W-9 for U.S. persons including a resident alien). Non-resident aliens signing Form W-8 are not eligible for the offer.
    • Combined with any other business deposit offer (limit one bonus per business entity).
    • Reproduced, purchased, sold, transferred, or traded.
  • The actions required to earn this bonus are separate and distinct from the options available to avoid any applicable monthly service fee for the business checking account you opened.

Talk with a banker or see the "Business Account Fee and Information Schedule" and "Deposit Account Agreement" online page for complete checking account details, including the applicable monthly service fee and options to avoid it.

**The monthly service fee for the Initiate Business Checking account is $10. The minimum opening deposit is $25.

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

  • $500 minimum daily balance
  • $1,000 average ledger balance

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

Get a $400 new business checking customer bonus

This offer is for new business checking customers only. See offer requirements

Apply online >>

Find a branch >>
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How to avoid the monthly service fee

How to avoid the monthly service fee each fee period

(only one option required per account)

$500 minimum daily balance


OR

$1,000 average ledger balance

See the Business Account Fee and Information Schedule

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