Wells Fargo Business Checking Bonus

There is a new Wells Fargo business checking bonus that just launched Wells Fargo is promoting when logged into your Wells Fargo account and have sent out mailers for. This offer is so good that it will be added to our best nationwide bank bonus list too. It is one that I will be heavily considering for my goal of funding a Roth IRA account with bank bonuses. Don't forget that Wells Fargo has some pretty decent personal checking and savings offers as well. If you pair them all up then we are talking about a nice chunk of change.

Offer Details

Here are the details for this $825 Wells Fargo business checking bonus.

• Open a new Initiate Business Checking account from this offer webpage by June 30, 2025.
  • This offer is for new business checking customers only.
• Deposit $25,000 or more to your new business checking account by day 30 and maintain a minimum daily collected balance of $25,000 through day 60 after account opening.
  • The minimum opening deposit is $25
• We will deposit your bonus into your new business checking account within 30 days after you have met all offer requirements.
• Link to $825 offer

There is also a lower tier Wells Fargo Business checking bonus offer to consider as well (HT DoC):

• Open a new Initiate Business Checking account from this offer webpage by June 30, 2025.
  • This offer is for new business checking customers only.
• Deposit $2,500 or more to your new business checking account by day 30 and maintain a minimum daily collected balance of $2,500 through day 60 after account opening.
  • The minimum opening deposit is $25
• We will deposit your bonus into your new business checking account within 30 days after you have met all offer requirements.
• Link to $400 offer

I think many people may prefer the $400 offer even though it is about 50% of the higher bonus. That is because it only requires 10% of the money to be tied up.

Terms Of The Offer

Here are some terms and eligibility requirements for these offers:

Eligibility Requirements For The Wells Fargo Business Checking Bonus:

• This offer is for new business checking customers only. All account applications are subject to approval. Only the business entity is eligible for this offer.
• The bonus offer code must be used at account opening.
• Only a Wells Fargo Initiate Business Checking®, Navigate Business Checking® or Optimize Business Checking® account is eligible for this offer.
• A business entity is not eligible for this offer if:
  • The business entity is a current owner of a Wells Fargo business checking account or has closed a Wells Fargo business checking account in the past 90 days.
  • The business entity has received a bonus for opening a Wells Fargo business checking account within the past 12 months.
  • The business entity is owned in whole or in part by a Wells Fargo employee.

Additional Terms and Conditions For The Wells Fargo Business Checking Bonus:

• Offer expires June 30, 2025. However, this offer may be discontinued or changed at any time prior to the expiration date without notice.
• Bonus offer code cannot be used more than once.
• Offer cannot be:
  • Paid without a valid U.S. Taxpayer Identification Number (Form W-9 for U.S. persons including a resident alien). Non-resident aliens signing Form W-8 are not eligible for the offer.
  • Combined with any other business deposit offer (limit one bonus per business entity).
  • Reproduced, purchased, sold, transferred, or traded.
• The actions required to earn this bonus are separate and distinct from the options available to avoid any applicable monthly service fee for the business checking account you opened.

There doesn't seem to be an early termination fee that I could see in the terms. I usually keep accounts open at least 6 months in order to see if they are worth keeping long term or not regardless.

How To Avoid The Monthly Account Fees

The last thing you want is for the monthly account fees to eat into your Wells Fargo business checking bonus. The monthly service fee for the Initiate Business Checking account is $10 which can be waived with either of the following things done each fee period:

• $500 minimum daily balance
• $1,000 average ledger balance

That shouldn't be an issue for anyone going after one of these business checking offers, since you will have more than $500 in the account to trigger the bonus.

Wells Fargo Business Checking Bonus: ToP Thoughts

This Wells Fargo business checking bonus is one of the better offers on the market. Be sure to check out our list of best nationwide bank bonuses to see how it compares to everything else available. It appears that sole prop accounts are working for this offer too, which is nice for many small business owners.

Let me know if you plan on taking advantage of this one over in the ToP Facebook Group.