Enjoy a $125 Checking Bonus

*How to qualify for this offer

To be Eligible: Offer is for new consumer checking customers only and available only to the primary owner of the new 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. Offer is not available to customers that received a bonus for opening a Wells Fargo consumer checking account 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. Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.

To receive the $125 bonus: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by January 14, 2026 and make 10 or more qualifying posted transactions within 60 calendar days of account opening (the “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 Zelle® transactions: use Zelle®3 either through WellsFargo.com or the Wells Fargo Mobile® app to send or receive money
• Posted checks deposited using the Wells Fargo Mobile® app5
• Posted payments you initiated through Wells Fargo Bill Pay
• Posted transactions from purchases using your Wells Fargo debit card
  1. Eligible debit card purchases are limited to: purchases made using PIN, signature, online or by phone. Debit card payments including one-time or recurring. Digital wallet purchases with your Wells Fargo debit card.6
  2. 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. See your account agreement or ask a banker for cutoff times.

The following don't count as qualifying transactions:

• Wells Fargo teller line transactions
• ATM transactions (Wells Fargo or non-Wells Fargo ATMs)
• Transactions that require using your account number and routing number
• Transactions that don't post within the qualification period and appear as "pending"
• Debit Card Account Funding Transactions (AFT): a debit to your card to fund a digital wallet or other eligible account
• Debit Card Original Credit Transactions (OCT): a credit to your card when your debit card number is used to receive funds
• Deposited checks that have been returned or placed on hold

After the 60-day qualification period, if you have met all 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 consumer deposit offer (limit one bonus per customer/account). 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 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.

This promotion is in no way sponsored, endorsed, administered by or associated with Early Warning Services, LLC or Zelle®.

**The Wells Fargo Clear Access Banking account monthly service fee is $5. Minimum opening deposit is $25.

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

• Primary account owner is 13 through 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). Customers between 13 and 16 years old must have an adult co-owner.
• 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 or wellsfargo.com/depositdisclosures.
• Effective for the fee periods that begin on or after October 25, 2025, the monthly service fee can also be avoided by the following account activity:
  • $250 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^SM 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.

Footnote 1. Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement for details. ←back to content

Footnote 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. ←back to content

Footnote 3. Enrollment with Zelle® through Wells Fargo Online® or Wells Fargo Business Online® is required. Terms and conditions apply. To send or receive money with Zelle®, both parties must have an eligible checking or savings account. 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 as described or as you expected. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. For more information, view the Zelle® Transfer Service Addendum to the Wells Fargo Online Access Agreement. Your mobile carrier’s message and data rates may apply. Account fees (e.g., monthly service, overdraft, Small Business Account Analysis fees) may apply to Wells Fargo account(s) with which you use Zelle®. ←back to content

Footnote 4. For customers unable to open a standard account due to past credit or banking history for the first 365 days from the date your new Clear Access Banking account was opened, you won’t be able to convert into any other Wells Fargo account. After 365 days, you can convert into any Wells Fargo consumer checking account offered at that time. ←back to content

Footnote 5. Mobile deposit is only available through the Wells Fargo Mobile® app on eligible mobile devices. Deposit limits and other restrictions apply. Some accounts are not eligible for mobile deposit. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement and your applicable business account fee disclosures for other terms, conditions, and limitations. ←back to content

Footnote 6. Digital wallets may not be available on all devices. Your mobile carrier’s message and data rates may apply. ←back to content

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