Wells Fargo $400–$825 Business Savings Bonus (17.2%–83.4% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Wells Fargo's Initiate Business Checking bonus is TIERED, and the $825 headline needs real capital: you get $400 for a $2,500 minimum daily balance, or $825 for a $25,000 balance — both maintained from day 30 through day 60. No direct deposit and no debit transactions required. The $400/$2,500 tier is the capital-efficient play; the $825 only makes sense if you have $25k of idle business cash to park.
Who This Savings Bonus Is Best For
Business owners (including sole proprietors) who can park $2,500 for the $400 tier — or $25,000 for the full $825 — for about 30 days with zero transaction requirements.
How to Maximize This Bonus
Open Initiate Business Checking using the enrollment URL for the tier you want — each tier has its OWN link, and landing on the wrong one enrolls you in the wrong bonus. Deposit your target amount by day 30 and keep the minimum daily balance ($2,500 for the $400 tier, $25,000 for the $825 tier) through day 60. No transactions needed. A sole proprietorship qualifies — no LLC required. Expires July 7, 2026, so move now.
Pros
Cons
How This Compares to Other Bonuses
Frequently Asked Questions
Do I need direct deposit or debit transactions?
No. Both tiers are balance-only: keep a $2,500 minimum daily balance for $400, or $25,000 for $825, from day 30 through day 60.
How do I get the full $825?
The $825 tier requires a $25,000 minimum daily balance through day 60, not $2,500. A $2,500 balance earns the $400 tier. Each tier has its own enrollment link.
Eligibility
Initiate Business Checking. New Wells Fargo business checking customers only. Each tier has its OWN enrollment URL — use the correct one. Expires July 7, 2026.
Fees
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