How to receive your $3,500 bonus*

Step1. Upgrade

Bring your bonus offer code to a branch by November 18, 2025.

Step2. Deposit & Link

Bring $500,000 or more in new deposits to qualifying linked accounts by day 45.

Step3. Maintain

Maintain at least a $500,000 balance in linked accounts through day 90 after account opening.

Your bonus will be deposited into your Premier Checking account within 30 days of meeting offer requirements

To earn your $3,500 bonus, new deposits can be made into your existing Wells Fargo accounts and linked to your Premier Checking account

Checking

Savings

CDs

Investment Account1

Investment accounts are not insured by the FDIC; are not deposits and may lose value.

Elevated service.
Exceptional benefits.

Find out where the Wells Fargo Premier®1, 2 experience can take you when you upgrade to Premier Checking.

Enjoy no ATM fees worldwide and unlimited reimbursements for non-Wells Fargo ATM fees4,5

Pay no wire transfer fees for incoming or outgoing wire transfers4,6,7,8

Waived monthly service fees on linked checking and savings accounts2

Enjoy 24/7 fraud monitoring and Zero Liability protection9

Higher introductory rewards bonus offer on select, newly opened Wells Fargo credit cards10

Access to a banker and team, plus 24/7 phone support

Frequently Asked Questions

Premier Checking is a checking account that rewards exceptional banking relationships with a suite of elevated benefits: no ATM fees worldwide, relationship-based rates on CDs and savings accounts, no wire transfer fees, plus 24/7 phone support and more.
Only new Wells Fargo Premier Checking customers who bring $500,000 or more in new deposits to qualifying linked accounts and maintain the balance requirements may qualify for this offer.
  • Customers new to Wells Fargo are eligible when they open a Premier Checking account and complete all offer requirements.
  • Existing Wells Fargo customers (who do not have an existing Premier Checking account) are eligible when they upgrade their existing checking account to Premier Checking or open a new Premier Checking account and complete all offer requirements.

Other requirements apply. Please see important terms and conditions below.

  • Checking accounts
  • Savings accounts
  • CDs
  • FDIC-insured IRAs
  • Investment account available through our affiliate Wells Fargo Advisors

Excludes applicable bank fiduciary, custody accounts and annuities.

Yes. You will have to visit a Wells Fargo branch to open a new Premier Checking account or upgrade to Premier Checking. You must provide the checking bonus offer code to the banker at the time of opening/upgrading your account. Enter your email above to receive your offer code.
We’ll deposit your bonus directly into your Premier Checking account within 30 days after you have met all offer requirements.

*How to qualify for this offer

To be eligible:

 Offer is for customers who are opening a new Wells Fargo Premier Checking account or upgrading an existing consumer checking account to a Premier Checking account. Only the primary owner of the upgraded or new checking account is eligible for this offer. 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. Offer is not available to customers that received a Premier Checking bonus within the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Only one Premier Checking bonus may be applied per upgraded account or new Premier Checking account.

To receive the $3,500 bonus:

 You must use your bonus offer code when upgrading or opening a new Premier Checking account, which is subject to approval, by November 18, 2025 AND bring $500,000 or more in new deposits to qualifying linked accounts by Day 45 and maintain at least a $500,000 balance through Day 90 after account upgrade or opening. Qualifying linked accounts include (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate Wells Fargo Advisors). Excludes applicable Wells Fargo bank fiduciary, custody accounts, and annuities. New deposits received into qualifying linked accounts up to 7 calendar days before the bonus offer code is applied to the Premier Checking account will count towards the offer requirements.

When you have met all offer requirements, we will deposit the bonus into your Premier Checking account within 30 calendar days. Your Premier Checking account must stay open through 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 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 tax authorities.

Other Terms:

 The Premier Checking account is an interest-bearing account. The Annual Percentage Yield (APY) is 0.01% if the balance is $0 or more and is accurate as of August 1, 2025. Rates are variable and subject to change without notice. Fees could reduce earnings on this account.

Offer may be discontinued or changed without notice and cannot be combined with any other consumer deposit offer. Offer cannot be reproduced, purchased, sold, transferred, or traded. If your existing Wells Fargo checking account is enrolled with a bonus offer pending, that bonus will be forfeited once upgrading to a Premier Checking account for purposes of this upgrade bonus offer. The actions required for this bonus are separate from the actions available to avoid the monthly service fee.

1. Wells Fargo Premier

Requires meeting all conditions of Wells Fargo Premier participation. Wells Fargo Bank and Wells Fargo Advisors discounts and benefits are available to all customers who have a Wells Fargo Premier Checking account. The Wells Fargo Premier Checking account has a $35 monthly service fee which can be avoided each fee period with $250,000 or more in statement-ending qualifying linked (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate Wells Fargo Advisors, and applicable bank fiduciary and custody accounts). Wells Fargo may waive the monthly service fee at its discretion for promotional or other purposes. Refer to the Wells Fargo Bank Consumer Account Fee and Information Scheduleopens new window for further information about the Premier Checking account and applicable bank fees. Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Investment and Insurance Products are:
  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Wells Fargo Advisors:

  • Investment products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC opens new window**, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.
  • Certain investments or investment accounts are not eligible for linking.

2. (A) If your Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the Premier Checking account and effective immediately, benefits no longer apply, including benefits to your now delinked accounts. You’ll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked accounts will revert to the Bank’s current applicable interest rate or fee at that time. (B) If you or we delink an account from your Premier Checking account but other accounts remain linked, the loss of all benefits and the other consequences described above in (A) will immediately apply to the delinked account. Benefits available to your Premier Checking account and any remaining linked accounts will continue.

3. A Relationship Interest Rate is variable and subject to change at any time without notice, including setting the interest rate equal to the Standard Interest Rate or to zero (0.00%), which could change the Relationship Annual Percentage Yield (APY). For CDs, the change will occur upon renewal. To receive a Relationship Interest Rate/Relationship APY, the eligible savings account or CD must remain linked to a Prime Checking, Premier Checking or Private Bank Interest Checking account. Upon linking, or switching a linked account to an eligible savings account, it may take up to two business days for the Relationship Interest Rate to be applied to your eligible savings account. CDs must be linked at account open and/or at every renewal.

4. Unless otherwise noted, stated benefits apply only to the Premier Checking account and not other linked accounts.

5. Fees charged by non-Wells Fargo ATM operators or networks may apply. For Prime Checking and Premier Checking accounts, Wells Fargo will waive its non-Wells Fargo ATM cash withdrawal transaction fee (U.S. and international) when you withdraw cash from a non-Wells Fargo ATM. In addition, for Prime Checking Wells Fargo will reimburse one fee charged by a non-Wells Fargo ATM operator located in the U.S. and one fee charged by a non-Wells Fargo ATM operator located outside the U.S. per fee period. For Premier Checking, Wells Fargo will reimburse all fees charged by non-Wells Fargo ATM operators. When the amount of the fee charged by the non-Wells Fargo operator or network is not provided to Wells Fargo, Prime Checking and Premier Checking customers will receive a $4.00 reimbursement per cash withdrawal.

6. Whether or not the wire transfer fee is waived, Wells Fargo makes money when we convert one currency to another currency for you. The exchange rate used when Wells Fargo converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Wells Fargo provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar. The applicable exchange rate may vary based on such factors including, but not limited to, currency pair, transaction size, payment channel and product type, such as foreign currency cash, checks, remittances, and wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Wells Fargo is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

7. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the "Applicable Exchange Rate" and "Incoming International Wire Transfer" sections of the Deposit Account Agreement.

8. Fees may be charged by third parties or other banks, in addition to those described above.

9. 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 conditionsopens new window for information on liability for unauthorized transactions.

10. Some benefits are separate from the bonus offer and may require separate sign up and/or qualifications. Talk with a banker for details.

**Wells Fargo has provided this link for your convenience but does not control or endorse the website and is not responsible for the products, services, content, links, privacy policy, or security policy of the website.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

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