Automatic transfers
Build your savings automatically by setting up regular automatic transfers2 from your linked Wells Fargo checking account to your Platinum Savings account.
Enjoy a great promotional rate with a Platinum Savings account
3.50%
Annual Percentage Yield (APY) with a 12-month Promotional Interest Rate*
Enroll a consumer Platinum Savings account with a banker, deposit $10,000 in new money to the account, and maintain a minimum daily collected balance of $10,000 for the promotional period. This offer is for consumer Platinum Savings customers only.
Your email address won’t be used for other promotions or shared with third parties. Full offer requirements.
Offer ends January 13, 2026
The Platinum Savings account monthly service fee is $12 and can be avoided each fee period1 with a $3,500 minimum daily balance. New accounts require a minimum opening deposit of $25.
Notice: If your Platinum Savings account is currently enrolled in a promotional rate, enrolling in this new offer will reset your promotional period and your rate, to the new promotional rate, which may be different than your current promotional rate.
Complete these steps to get the 12-month Promotional Interest Rate:
1
Enroll
Enroll a consumer Platinum Savings account in this offer at a Wells Fargo branch by January 13, 2026.
2
Deposit
Deposit $10,000 or more in new money to a Platinum Savings account within 30 calendar days and maintain a minimum daily collected balance of $10,000 for 12 months (the promotional period).
Enjoy
The Promotional Interest Rate that will be applied within 15 calendar days of meeting the balance requirements.
Platinum Savings, a flexible account to help you build your savings
Flexible access to your money
Your money will be ready when you need it — through online or mobile access,3 unlimited branch and Wells Fargo ATM withdrawals, and the option to write checks.
Focus on your finances
Access Financial Goals for resources and tools that can help you make financial decisions.
Frequently Asked Questions
Deposit $10,000 or more in new money to your Platinum Savings account within 30 calendar days and maintain a minimum daily collected balance of $10,000 for 12 months (the promotional period).
The Promotional Interest Rate will be applied within 15 calendar days of meeting the balance requirements.
New money is money that is new to the customer or new to Wells Fargo (deposited into the customer’s savings account from outside of Wells Fargo and Company and all affiliates, or from a Wells Fargo account not owned by the customer).
*How to qualify for this offer
Notice: If your Platinum Savings account is currently enrolled in a promotional rate, enrolling in this new offer will reset your promotional period and your rate, to the new promotional rate, which may be different than your current promotional rate.
To be eligible: Offer is for the Wells Fargo consumer Platinum Savings account only. Offer is not available to customers that are Wells Fargo employees or are non-resident aliens or foreign entities signing any version of IRS Form W-8.
To receive the 3.44% Promotional Interest Rate (Promotional Rate): Enroll your Wells Fargo Platinum Savings account in this offer by going to a branch and having a banker apply your bonus offer code to the account by January 13, 2026. Deposit $10,000 or more in new money to your Platinum Savings account within 30 calendar days and maintain a minimum daily collected balance of $10,000 for 12 months (the promotional period). Deposit limitations and other restrictions apply on wellsfargo.com and in the Wells Fargo Mobile® app. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. New money is money that is new to the customer or new to Wells Fargo (deposited into the customer’s savings account from outside of Wells Fargo and Company and all affiliates, or from a Wells Fargo account not owned by the customer). New money deposited up to 7 calendar days prior to the bonus offer code being applied to the account will count towards the offer requirements.
The corresponding Annual Percentage Yield (APY) for this offer is 3.50% as of October 16, 2025. Refer to the table below for complete interest rate information for all balances as of October 16, 2025. The Promotional Rate will be applied within 15 calendar days of meeting the balance requirements. The 12-month promotional period begins on the day the Promotional Rate is applied to your Platinum Savings account. However, for any day during the promotional period that the daily collected balance is less than the $10,000 minimum, the Promotional Rate will not apply, and the interest rate will revert to the Standard Interest Rate in effect for your Platinum Savings account. Each tier shown reflects the current minimum daily collected balance required to obtain the applicable APY. Relationship Interest Rates may be available, are variable, and subject to change without notice, including setting the interest rate equal to the Standard Interest Rate or to zero (0.00%).
Interest is calculated and accrued daily based on the daily collected balances in the account. Accrued interest is earned and will be paid only when the total interest accrued reaches $0.01 or more. In any month the amount of accrued interest is less than $0.01, periodic statements will show no Annual Percentage Yield Earned (APYE) or interest earned though interest is accruing. Upon the expiration of the 12-month promotional period, Standard Interest Rates (or Relationship Interest Rate, if applicable) apply. Fees may reduce earnings. Interest rates are variable and subject to change without notice.
Promotional Interest Rate Offer
Wells Fargo Platinum Savings
| Balance | Standard Interest Rate | Promotional Interest Rate (effective for 12 months) | Annual Percentage Yield |
|---|---|---|---|
| $0 - $9,999.99 | 0.01% (3.92% on new and existing accounts opened in Illinois counties of Cook, Dupage, and Lake) | Not applicable | 0.01% (4.00% on new and existing accounts opened in Illinois counties of Cook, Dupage, and Lake) |
| $10,000.00+ | 0.01% (3.92% on new and existing accounts opened in Illinois counties of Cook, Dupage, and Lake) | 3.44% | 3.50% (4.00% on new and existing accounts opened in Illinois counties of Cook, Dupage, and Lake) |
Other Terms: Offer may be discontinued or changed without notice. Offer cannot be reproduced, purchased, sold, transferred, or traded.
Talk with a banker or see the "Consumer Account Fee and Information Schedule" and "Deposit Account Agreement" available at wellsfargo.com/depositdisclosures for complete savings account details, including the applicable monthly service fee and options to avoid it. The actions required for this Promotional Rate are separate from actions available to avoid the monthly service fee.