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 90 calendar days of account opening (the “qualification period”), receive a total of $1,000 or more in qualifying electronic deposits to your new checking account.
   • A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.
   • An ACH direct deposit made available early with Early Pay Day does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g., the pay date scheduled by your payor).

Bonus Payment:

• Once the 90-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 90-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.

**The Wells Fargo Everyday Checking account monthly service fee is $10. Minimum opening deposit is $25.

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

• $500 minimum daily balance.
• $500 or more in total qualifying electronic deposits.
  • A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction).
  • Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit.
• Primary account owner is 17 – 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.)
• 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 in 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. 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. The Request feature within Zelle® is only available through Wells Fargo using a smartphone. 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®.

2. 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.

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. Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we charge no more than three overdraft fees per business day. Overdraft fees are not applicable to Clear Access Banking accounts.
   The payment of transactions into overdraft is discretionary, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is overdrawn or you have had excessive overdrafts. You must promptly bring your account to a positive balance.

6. With Extra Day Grace Period, when your personal account is overdrawn, you have an additional business day (extra day) to make covering deposits and/or transfers to avoid the prior business day’s overdraft fees. If your account’s available balance as of midnight Eastern Time on your extra day is enough to cover the prior business day’s overdraft items, the pending overdraft fees for those items will be waived. If your available balance as of midnight Eastern Time is enough to cover some, but not all, of the prior business day’s overdraft items, we’ll apply your available balance to the transactions in the order that they posted to your account. Any transactions not covered by midnight Eastern Time are subject to applicable overdraft fees. All deposits and transfers are subject to the Bank’s Availability of Funds Policy. Please see the Wells Fargo Deposit Account Agreement(opens new window) for more details.

7. Subject to the Bank’s funds availability policy including any applicable holds on deposits and deposit cutoff times which can impact your available balance. Examples of deposits that provide same business day availability if made before the posted cutoff time are cash, electronic direct deposits, account transfers, Zelle®, and incoming wire transfers. Business days are Monday through Friday, excluding federal holidays.

8. With Zero Liability protection, you will be reimbursed for promptly reported unauthorized card transactions, subject to certain conditions. Please see the applicable Wells Fargo account agreement or debit and ATM card terms and conditions(opens new window) for information on liability for unauthorized transactions.

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