[Expired] [In-Branch only] Wells Fargo $200 Checking Bonus – Direct Deposit Not Required

Deal has expired, but there is a $400 Wells Fargo checking bonus that is still available

Update 1/9/19: Bonus has been extended until April 17th, 2019. Hat tip to reader @getderb

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Must open in branch, must have received an ATM receipt with the offer. [Branch & ATM locations here]
  • Direct deposit required: No
  • Additional requirements: 10 debit card purchases per month for three months
  • Hard/soft pull: Soft
  • ChexSystems: Mixed reports, likely doesn’t pull
  • Credit card funding: None in branch
  • Monthly fees: $10, waivable
  • Early account termination fee: None
  • Household limit: None
  • Expiration date: January 15th, 2019

The Offer

No direct link to offer. If you use a Wells Fargo ATM with a non Wells Fargo debit card you should see the offer. Must be opened in branch

  • Receive a sign up bonus of $200 when you open a new Everyday checking account with Wells Fargo and complete the following requirements:
    • Complete 10 debit card purchases within 45 days of account opening ($1 minimum per debit transaction)
    • Complete another 10 debit card purchases for another two months

The Fine Print

  • You cannot be a recipient of a consumer checking bonus in the past 12 months (limit one per customer)
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

The Everyday Checking account comes with a $10 monthly fee. Get the fee waived with one of the following:

  • 10 debit card purchases and/or payments each statement cycle from this checking account, OR
  • Direct deposits totaling $500 or more each statement cycle, OR
  • Maintain a $1,500 minimum daily balance, OR
  • Link checking account to a Wells Fargo Campus ATM or Campus Debit Card

If you have a Wells mortgage, you might be able to get a higher-level account with no fees.

Early Account Termination Fee

There is no early account termination fee.

Our Verdict

There is an online offer for $250, that does require a direct deposit . That being said Wells Fargo isn’t too strict on what does/doesn’t count Wells Fargo has gotten stricter on what qualifies as a direct deposit, so keep that in mind. Personally I think that other offer is probably better as only one direct deposit is required and it can be done online, but some readers will prefer this offer. If you’re going into a Wells Fargo branch don’t forget  you can also grab the Wells Fargo Business Platinum card for another $500 at the same time. I’ll add this $200 bonus to the best checking sign up bonus page.

Big thanks to reader, bax who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:
    William Charles
  • On January 9, 2019, 16:48

View Comments (132)

  • This is expired I think. I got cash today using my other bank debit card at WF and didn't get this offer.

  • Got this bonus.

    11/19/2018 opened

    - 10 debit in Nov 2018
    - no debit in Dec 2018 (so my concern earlier about the 10 debits in each of first three months language is void, since it apparently refers to statement cycles, rather than calendar months)
    - 10 debits in Jan 2019
    - 10 debits in Feb 2019 (last one was on 2/8/2019)

    2/14/2019 $200 bonus posted

      • 12/24/18 opened

        1/22/19. 10 debit card transactions posted
        2/11/19 10 debit card transactions posted
        3/04/19 10 debit card transactions posted
        4/1/19 10 debit card transactions posted

        Bonus posted on 4/4/19!

  • This offer is now available online.

    https://bonusoffer.wf.com/bonusoffer

    At first it looks like it is limited geographically, but if you look at the terms closely it is only limited to branches in those areas. Anyone can sign up online. I put in my zip code (not in those areas) and it let me go ahead and go through the process with bonus offer documentation.

    "Offer available in Dallas/Ft. Worth, Orlando and Phoenix area Wells Fargo branches, or online at http://www.wellsfargo.com/bonusoffer"

  • I went into the local branch today....they couldn't find this $200 Everyday checking offer; so couldn't give it to me; perhaps only certain States do this deal?

      • From my link:

        “Set up and receive three consecutive monthly direct deposits of at least $500 each month within 150 days of when you open your account OR use your Wells Fargo Debit Card to make 10 posted purchases or payments each month of at least $1, for 3 consecutive months within 105 days of account opening.“

      • eg:
        do you mean that if you got the offer in atm reciept in CA,the offer is only valid if you open account in TX?

  • Hi, you forgot to add an important requirement. In the T&C, they specify each debit card transaction must be at least $1 to qualify. So 0.50 Amazon GC reloads won't cut it.

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