Posted by William Charles on January 9, 2017
Bank Account Bonuses

Published on January 9th, 2017 | by William Charles

837

[Expired] Wells Fargo $250 Checking Bonus Available Online – Direct Deposit Not Required

Update: There is a new offer with targeted language, found here.

Deal has unfortunately expired. You can view the best checking bonuses by clicking here.

Offer at a glance

  • Maximum bonus amount: $250
  • Availability: Nationwide
  • Direct deposit required: No
  • Additional requirements: 10 debit card transactions
  • Hard/soft pull: Soft
  • Chexsystems: Mixed reports
  • Credit card funding: Can fund up to $50 online
  • Monthly fees: $10, waivable 
  • Early account termination fee: None
  • Household limit: None listed
  • Expiration Date: February 17th, 2017 March 3rd, 2017 March 24th, 2017.

The Offer

Direct link to offer

wells-fargo-250-bonus

The Fine Print

  • Eligibility:
    • All consumer checking accounts, including non-interest-earning checking accounts (except Teen CheckingSM) are eligible for the bonus of $250. The prepaid Wells Fargo EasyPay® Card is not eligible.
    • You cannot be:
      • A current owner on a Wells Fargo consumer checking account
      • A Wells Fargo team member
      • A recipient of a consumer checking bonus in the past 12 months (limit 1 bonus per customer)
  • Bonus Qualifications:
    • Open a new, eligible consumer checking account with a minimum opening deposit of $25 (not including the bonus) by February 17, 2017 March 3rd, 2017 March 24th, 2017
    • Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated $500 or more to the consumer checking account opened for this bonus offer.
      • The 10 debit card purchases/payments must be from the primary linked consumer checking account opened for this offer.
      • A qualifying Direct Deposit is your salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.
    • Offer available in all Wells Fargo branches or online at wellsfargo.com/250offer.
    • Offer cannot be:
      • Paid without a valid U.S. taxpayer ID
      • Combined with any other consumer deposit offer
      • Reproduced, purchased, sold, transferred, or traded

    Bonus Payment:

    • We will deposit the bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met.
    • You are responsible for any federal, state, or local taxes due on your bonus and we will report as income to the tax authorities if required by applicable law. Consult your tax advisor.

Avoiding Fees

Monthly Fee

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.

Updates

Update 4: New offer doesn’t contain the targeted language, but it is now online only and valid until March 24th, 2017.

Update 3: Another DP of somebody getting the bonus without being targeted after the new language was added. Because of that we’ve removed the targeted portion of the title. As always YMMV.

Update 2: This DP shows somebody getting the bonus without being targeted. They did apply in branch.

Update: Wells Fargo have made additional changes to the fine print on this offer, it now says:

This is an exclusive, nontransferable offer, available to those who received our direct mail or e-mail offer.

Previously it didn’t include the ‘available to those who received our direct mail or e-mail offer’. I believe this was added sometime on January 31st, but it might have been added sooner. Looks like they might be enforcing the targeted nature of this promo again.

We are reposting this because multiple readers have reported getting the bonus without being targeted, because of that I now think this offer should be open to everybody but YMMV. We first posted this on January 5th.

Our Verdict

This is easily the best bank account bonus currently available, it’s extremely easy to trigger the bonus with only 10 debit card transactions required (read this post to get some ideas) and it’s not particularly difficult to keep the account fee free either. The fact that you can open it online makes it all the sweeter.

Previously the best Wells Fargo checking offer we’ve seen is $150, normally $100 is standard. Looks like they are getting desperate for new account openings after their recent scandal.

Big thanks to reader Max for sending this through.

Useful posts regarding bank bonuses:



837 Responses to [Expired] Wells Fargo $250 Checking Bonus Available Online – Direct Deposit Not Required

  1. Chris says:

    Only have a savings account at WF, no mortgage, and was targeted via snail mail.

  2. J.M. says:

    you say it’s targeted, but the link opens the application just fine for me (showing $250 offer). I’m not a WF mortgage holder (although I had a Wachovia loan in the past).

    If I see it open up am I eligible?

    Is there something I’m overlooking about the targeting part? Thanks!

    • lingua says:

      Same question here…link opens up and no verbiage about qualifying other than inputting zip code to open link.

    • Yes, you’re overlooking the language that says it’s targeted. It’s not hardcoded into the application but I don’t think you’ll get the bonus.

      • matt says:

        Would love to find out – could/should I just ask WF? I have one super close to home.

      • Rae says:

        I went into the branch yesterday and tried to open a checking account because of the bonus incentive. They said I needed a CODE. Nowhere had it said I needed to provide a code. The CSR was unable to secure a code for me but took my information and did input my personal info, saying she’d call me to come back once she obtained a code. We don’t have any WF accounts or affiliation. It took up the better part of an hour with no results – and now they have my info!

      • MotherMary says:

        Just as an FYI, I put in my zip code, and nowhere was it mentioned that this was a targeted offer. I had no affiliation with WF before this. I applied on 1/27, account was opened on 2/9 (it takes forever to get the snail mail paperwork), did the DD on 2/24, bonus was deposited on 2/27.

  3. colin says:

    same question here. It says offer also available in branch but how do I know I am eligible? what do you mean by “targeted”. Thanks!

    • You’re considered eligible if you received information regarding the offer, I think they sent out e-mails about the deal. I assume they have a list of SSN or something else to cross reference when handing out the bonus.

      It’s possible they don’t, but as the application page specifically says it’s targeted you’ll have no recourse if you don’t get the bonus.

  4. arch says:

    Opened in branch on December 31 for the $100 bonus. Wonder what’s the chance of getting them to match this? And where is the targeted language? Not seeing it.

    • Same here. If you contact Wells, let us know the result!

    • Yet Another Redditor says:

      I tried last time with the ATM offer and they didnt.. They weren’t even nice/easy/apologetic about it.. After having banked with BoA for a long time, I thought any other bank would be better – but WF is definitely crappy..

    • arch says:

      Went back in on Friday to the CSR I opened with and he made a phone call and gave them the new code. Said sometime this week would know if they took it so I guess I have a small chance

      • Thanks for the update! Please keep us posted.

        On a related front, called Wells to see about having $250 offer matched; No dice — as someone else upthread recalled, the rep was blunt and unforgiving about the rejection. That said, she told me it, since we haven’t received our bonus yet, we may be able to get the $250 bonus, if we close our new accounts and then apply for the $250 offer.

        Anyone have experience with this situation? If you have yet to get a bonus from Wells (nor met bonus requirements), can you close your account and apply for (and receive) your preferred bonus? What, if any, downsides are there to closing an account shortly after opening it?

        • arch says:

          Opened in branch 31 Dec with $100 offer attached, 3 Jan posting date. Saw $250 offer (not targeted), got code and went back in branch on 6 Jan to same csr who made a phone call and gave the new code. Fulfilled requirements, $250 posted on 20 Jan, withdrew all cash on 23 Jan, closed on 24 Jan.

        • Hector says:

          Hi!
          Did you end up closing and reopening the account and getting the bonus? I am in the same boat as you are.

          Please let us know.

          Thanks

          • Not yet — Wells Fargo is giving me the run-around and stonewalling me on matching to the $250 offer. Going to visit a branch again to see if they’ll match the offer. If you have any luck, please keep me posted.

  5. J.M. says:

    I applied. The Bonus Requirements were part of the disclosures on the final step of the application.

    Hope it gets honored. Still don’t see the targeted language that Chuck is talking about, although I trust him that it’s there somewhere.

  6. Yet Another Redditor says:

    Same here… I see the offer via the direct link and no specific targeting restriction.

  7. J.M. says:

    Chuck – can you point us to the “targeted language” that you say you didn’t see initially?

    Please and thanks!!

    • Jenny says:

      Probably this:

      To open a different account eligible for this offer, please bring your personalized offer code to your nearest Wells Fargo branch.

      and this:

      This is an exclusive, nontransferable offer.

      Maybe? I am so tempted to apply but these sections stop me. I’ve been waiting for a good/easy checking bonus offer, and this one looks great!

    • This is an exclusive, nontransferable offer.

  8. jerry says:

    the eligibility term says that i cannot be a recipient of a consumer checking bonus in the past 12 months. Just wondering how do they count this 12 month period, since the time I opened/closed my last account, or the time I received the bonus?

  9. J.M. says:

    I see the language that refers to “personalized offer code” but seems like that only applies to parties who want to open “a different account eligible for this offer” (other than the Everyday Checking that’s available in the application).

    I also see “This is an exclusive, non-transferable offer” but that term seems very generic, to me at least. Seems there would be more specificity if the offer is limited to targeted parties.

    Neither of the above is strong enough to deter me (I’ve already applied anyway, but still).

    Chuck knows these things better of course.

    • aes says:

      I also looked at this wording carefully. My understanding is that an offer code is required for opening different account. There are bunch of list of type of accounts, but for Everyday Checking directly linked above, a code should not be required. Otherwise, why says “To open different account eligible for this offer……”?

      For wording “exclusive, non-transferable offer”, it is only related to opening certain type of account that requires code for this promotion.

  10. Jay says:

    Yup, I received this offer in the mail a few days ago, probably because my mortgage is being serviced by WF ever since it was sold to them.

    The mailer clearly indicates that this offer is targeted and non-transferable, though if the landing page does not point this out, you might be able to YMMV fight your way to the bonus if it doesn’t post for you later (and you didn’t receive the mailer).

    • J.M. says:

      Thanks! The landing page definitely does not have any verbiage that I can find that says “targeted.”

      As far as “exclusive and non-transferable” – that’s very generic and seems like the kind of things lawyers put in to make sure people don’t try to use it with some other financial institution.

      But yes, I am very aware that MyMileageMayVary on this one.

    • Landing page states: This is an exclusive, nontransferable offer.

      • J.M. says:

        I hear ya Chuck. You’re definitely the man on this, but I’m willing to risk it.

        I used to practice law, so feel like I have a decent understanding of written language. Since the landing page makes no statement about to whom the offer is exclusive, then I will argue (to myself 😉 ) that the “exclusive, nontransferable offer” is to all “new checking customers” as found in the title of the landing page.

        Again, I’m only arguing with myself here, and adding my thoughts to the discussion.

        Many thanks for all you do!!

      • Jan B. says:

        WC, Wow, how many times do you have to say it?

        (Rhetorical for a laugh! 🙂 )

        If this doesn’t clearly demonstrate, one hears what one wants to hear, I don’t what does!

        Best wishes, everyone. This one would be easy for me but targeted may just mean that: targeted.

    • Jay says:

      There was a detachable coupon for the offer on the mailer that I received, which is the only part of it that I saved. I believe it has the terms of the offer on the back. I’ll upload a scan of the coupon when I get back home, if no one else has done so already.

      I must say though, if this turns out to work without targeting, it fully deserves to be on the list of Best Bank Account Bonuses due to the extremely easy requirements for a decent bonus amount and no HP.

    • Chen says:

      Hi, Jay. Thanks for sharing. I would like to further ask if there is actually a personalized code in your offer mail? If there is, then it would be of high probability that this offer is a targetted offer and not open to the public.

    • Logan says:

      Can you provide me with the bonus code please?

  11. Steve F says:

    DP: I took a $100 bonus late last year but my wife just signed up and got a message that the bonus offer code was linked to my application. Then she got an email with this: “Your application has been conditionally approved subject to verification of the information you’ve provided. your new account will be eligible to receive a bonus offer. For more details, see the Bonus Offer Disclosure and Additional Requirements.” Nothing in the confirmation email indicates this is targeted. All signs point to her getting the bonus. She did NOT receive an invitation email, however, we do have a mortgage with Wells Fargo.

    Thanks William!

    • Steve F says:

      Take that DP of mine above with a grain of salt since we have a mortgage with them, but we did not receive an email or snail mail invitation for this.

      • Steve F. says:

        My wife got an email today saying they couldn’t open the account and referred me to open in branch. Unfortunately, there are no branches in state. They didn’t say why they couldn’t open the account online.

    • J.M. says:

      I did not get that type of reply when I applied and I believe it’s because my confirmation email is about the next steps – I have to sign some paperwork, probably because I’m not a current WF customer.

      Will provide further information relating to my app as I get it.

  12. AP says:

    DP: same message as Steve F. Hope it works!!” Based on what just happened at Wells Fargo I don’t think they will go back on the offer, purely conjecture though.

  13. Miles says:

    The mailer that I received says that the $15 monthly fee of the “Preferred Checking account” can be avoided with a “linked Wells Fargo Home Mortgage.”

    There is no mention of the “Everyday Checking account” which comes with a $10 monthly fee.

  14. Franholio says:

    I wonder if I could use this if my parents were targeted? Might have to GP this one and report back.

  15. Jeff says:

    I called and asked and the representative I talked to said that as long as you open the account from wellsfargo.com/250offer you’ll receive the bonus; no need to be targeted!

  16. RD says:

    not targeted, applied and got email
    “…Status: Your application has been conditionally approved subject to verification of the information you’ve provided. Your new account will be eligible to receive a bonus offer…”

  17. projectx says:

    Wells Fargo mortgage for 10 years, including a refi this past summer. No mailer, email, or offer shows in my account online. I even tried opening a chat to see if I was eligible for any offers. Nada.

  18. sirtheta says:

    What’s weird is that the offer terms (at least for my zip code) do not mention anything about it being targeted. https://www.wellsfargo.com/jump/checking/everyday-special-layer/ (hopefully that works for non-me people)

    • Yes, the targeted language is above the offer terms so it doesn’t appear on that page. It’s very weird, I’m hopeful people get their $250 bonuses! Just want people to be aware it’s a real risk they won’t

  19. Laura says:

    I didn’t receive a mailer but gave it a shot anyway via the direct link above. We’ll see! On the final page before submitting it mentioned my bonus offer code had been linked to the app and then on the application received page under my application reference number it stated “Status: Your application has been conditionally approved subject to verification of the information you have provided.
    Offer status: Your bonus offer code has been linked to this application.” It had a max initial deposit of $500 via ACH or $50 by credit card. I went ahead and tried a Chase FU since according to data points provided by the Doc other Chase cards haven’t triggered a cash advance at Wells Fargo, fingers crossed it doesn’t trigger for this card either!

  20. Jake says:

    Like many other people I went ahead with this even though I wasn’t targeted – I’m not convinced “This is an exclusive, nontransferable offer” is enough to really prevent people from getting the bonus. The end of the application did say “Your bonus offer code has been linked to this application” so that seems like a good sign, but we’ll see what happens.

  21. Ivan says:

    Can we still get the bonus if we already have an existing wells fargo everyday checking?

    • This is answered in the fine print section:

      You cannot be:
      A current owner on a Wells Fargo consumer checking account

      • Mike says:

        Hi William (or anyone else who knows),
        very new to this so might be a stupid question with a standard answer:

        I also noticed the fine print section, where it states that you cannot be:
        “A current owner on a Wells Fargo consumer checking account.”

        Assuming the offer is available to the public, is it possible to close an existing WF checking account (just kept the min balance there to avoid fees) now, and then apply for a new checking account + the bonus in a couple of weeks?
        Or is there a specific time frame to still be considered a “current owner”?

        Thanks in advance for any replies…

  22. jackgopack4 says:

    Wow. Terrible timing!

    Promo ends 2/17/2017.

    I received a bonus from Wells Fargo on 2/18/2016.

    “Past 12 months”

    • Nikole says:

      Apply for it anyway. My sister opened an account in May 2016 for the $100 bonus offer. Closed it in August and reopened in January 2017, when she received this offer.

  23. SB says:

    Signed up. We’ll see
    Even with that language there is no unique URL to suggest targeted.
    Moreover in final step of app it specifically said bonus has been attached to account

  24. Jay says:

    Scan of the targeted offer coupon that I received in the mail:
    https://s24.postimg.org/q6kgkq0p1/WF_250_scan.jpg

    Seems to me that the terms are somewhat ambiguous on this. There isn’t really any language that says that only the intended recipient of this mailer may take advantage of this offer, but the normal ‘cannot be reproduced/purchased/sold/transferred/traded’, ‘exclusive/non-transferable’ and ‘personal bonus offer code’ stuff is all there.

    Also, if you use this to open in-branch, it looks like the banker needs to actually enter the personal bonus offer code: “Please enter into SVP the customer’s personal bonus offer code from the front of this letter or coupon. See SRG for procedures.” But then again it’s WF, so who knows…

    The DPs above seem promising though 🙂 Probably doesn’t hurt to try if your CS report still has some room to work with.

    • aes says:

      on the upper right corner, it says ” $250 offer exclusive for Wells Fargo customer:”
      Does that mean $250 offer is not available to anyone who are not Wells Fargo customer yet?

      So based on that logic, a person who has no any account at WF, including checking account, is not qualifying for this offer. In other words, $250 is only available to current WF customer with all other account but not checking account?

      Weird.

      • Jay says:

        No, you seem to have missed the fact that my name was directly underneath that line (which I obviously redacted).

        It doesn’t really mean anything significant, other than implying that the offer is personally targeted (and that at least this version of the offer was meant to target existing WF customers like me).

  25. James says:

    My mortgage is with Wells Fargo. I’m not targeted. 🙁

  26. Mike says:

    Hi William (or anyone else who knows),
    very new to this so might be a stupid question with a standard answer:

    I also noticed the fine print section, where it states that you cannot be:
    “A current owner on a Wells Fargo consumer checking account.”

    Assuming the offer is available to the public, is it possible to close an existing WF checking account (just kept the min balance there to avoid fees) now, and then apply for a new checking account + the bonus in a couple of weeks?
    Or is there a specific time frame to still be considered a “current owner”?

    Thanks in advance for any replies…

  27. Big Boi AKA MOney MOney MOney says:

    Applied/Approved. I was not “targeted.” I just read this post 15 minutes ago and made the move.

    “Status: We have approved your application

    Offer status: Your bonus offer code has been linked to this application.

    I opened the Key Bank $300 Bonus account yesterday. Let’s go.

    • Big Boi AKA MOney MOney MOney says:

      Big shout to this website, the work being done by staff, and the community of folks in place! Let’s get it.

  28. GLT says:

    Feeling pretty good about chances. Instant approval, was immediately able to view account online.
    Welcome email included text:
    “Your application has been approved, and your new account is eligible to receive a bonus offer.”
    ..and the promotion details from the ‘Important details on how to redeem this offer’ link were repeated in the email, which includes the $250 amount but not the exclusive nontransferable language.

  29. Ben says:

    Applied and received an approval email. It says:

    Your new account will be eligible to receive a bonus offer. For more details, see the Bonus Offer Disclosure and Additional Requirements.

    I don’t see anything about targeting below. At the very least, seems like good fodder for a CFPB complaint if it doesn’t work.

    Also doesn’t require tying up a lot of money, so the opportunity cost is low.

  30. Ryan says:

    My wife and I both applied. I received the offer in the mail for my application and my wife applied using your direct link above. We were both conditionally approved, and both of our approval notification pages noted that the “bonus offer code has been linked to this application.” Just wanted to report a pretty good sign that this is not targeted. One other key point: my mailing only allowed me to apply online for the preferred checking. Otherwise, I’d have to bring my bonus code to the bank. It might be that there is an exclusive bonus code for preferred checking but not for everyday checking. I’ll report back if my wife is ultimately denied.

  31. Andres says:

    I applied just a month ago for the $100 bonus. If not, I would have taken a gamble with this offer 🙂

  32. Ben says:

    I don’t believe I was targeted for this offer. I just applied online, and the application includes this line in two different places:

    “Offer status: Your bonus offer code has been linked to this application.”

    Hopefully that is enough for them to accept it.

  33. JP says:

    Didn’t receive anything yet. mortgage serviced by WF.

  34. J.M. says:

    Account has been opened per emails received and I see my $50 opening deposit (from a BoA credit card) processing on the BoA side of things (hope it doesn’t turn out to be a cash advance).

    Nothing mentioned about the bonus yet.

    • J.M. says:

      My $50 initial deposit from a BoA credit card has processed as a purchase, thankfully. Merchant category code 109. Was worried it would be a CA.

  35. VK says:

    Wanted to try my luck at the branch, since it’s in the same block. The staff had no idea about this, said this would be awesome if true. They call the back office who ask them to check for branch offers in their branch account.
    Nothing comes up, suddenly the offer shows up on the in-branch screen (I think it is remotely controlled). The person attending to me gets excited and relays this to the back-office. They still can’t figure it out.

    The rep asked me to hang-on, while he “researched” this for me. I said do your research and call me back, haven’t heard from him in a few hours.

    Anyone else having luck at the branch?

    • Becks says:

      Any update?

      • VK says:

        Finally got a call from the branch and said that they were ready. Seems it had been formally rolled out to the branch and the person who opened my account got a confirmation from someone senior in Marketing. Asked me to keep the details and he will follow up as well to look for the bonus.

        Also asked if I want to get this for my wife; I think will do that this week as well.

        As you can guess had to spend close to 20 minutes at the branch, with all the joining formalities.

  36. Laura says:

    Account for me has also opened & deposit is shown pending on my CC. Odd because when I applied it said it would be a few days, I would have to receive, sign & send back some paperwork via snail mail- but apparently not.

  37. Jason says:

    Applied for the heck of it! Also received email from Wells Fargo “Status:
    Your application has been approved, and your new account is eligible to receive a bonus offer. For more details, see the Bonus Offer Disclosure and Additional Requirements.”

  38. sam says:

    Applied anyway – we will see! I’m not targeted!
    “Status: Your application has been conditionally approved subject to verification of the information you have provided.”
    ” Offer status: Your bonus offer code has been linked to this application. ”

    ALL got same message???

    “Wells Fargo Everyday Checking

    Please sign, date, and return the Consumer Account Application included in your account information packet (which will arrive in 3 business days).
    Once we have verified your information, we’ll send you the status of your application by email and we’ll follow up with a letter within 2 to 5 business days of our decision.
    Once your account is approved and we process your opening deposit, you can access your account within 24 hours at any Wells Fargo location.
    Your debit card will arrive in 5 to 7 calendar days. For your security, your Personal Identification Number (PIN) will be mailed separately. If you already have an existing Wells Fargo debit or ATM card, we will link your new account to it. If you have multiple cards, we will link it to the card most recently used. If you do not want your new account linked to your existing debit or ATM card, please call 1-800-869-3557.
    If you need debit card access sooner, you can visit any Wells Fargo store to request a temporary 30 day instant issue debit card.
    If you ordered checks, you’ll receive them in 10 to 14 calendar days.
    Set up Direct Deposit. Have your money deposited automatically into your Wells Fargo checking or savings account — it’s convenient, fast, and safe.
    Once you have your PIN and debit card, you can set up your username and password and access your account online.”

  39. sam says:

    They emailed after submit my application: didn’t mention TARGETED, hope will work:)

    ” Bonus Offer Disclosure and Additional Requirements
    Account opening bonus disclosure
    Important things to know about the $250 offer:
    Eligibility:
    All consumer checking accounts, including non-interest-earning checking accounts (except Teen Checking SM) are eligible for the bonus of $250. The prepaid Wells Fargo EasyPay ® Card is not eligible.
    You cannot be:
    A current owner on a Wells Fargo consumer checking account
    A Wells Fargo team member
    A recipient of a consumer checking bonus in the past 12 months (limit 1 bonus per customer)
    Bonus Qualifications:
    Open a new, eligible consumer checking account with a minimum opening deposit of $25 (not including the bonus) by February 17, 2017.
    Within 60 days of account opening, either make 10 purchases/payments with your Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated $500 or more to the consumer checking account opened for this bonus offer.
    The 10 debit card purchases/payments must be from the primary linked consumer checking account opened for this offer.
    A qualifying Direct Deposit is your salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.
    Offer available in all Wells Fargo branches or online.
    Offer cannot be:
    Paid without providing a valid U.S. taxpayer ID
    Combined with any other consumer deposit offer
    Reproduced, purchased, sold, transferred, or traded”

  40. TJ says:

    Signed up. It says you can go into a WellsFargo and get a temporary debit card. Does anyone know if the temporary card would satisfy the 10 debit card transactions?

  41. Ben says:

    crap why do I always wait. Now when I click apply I get “We’re Sorry

    We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.”

  42. Ben says:

    Nevermind worked when I used a different zipcode. Maybe because no branches in my area. Applied anyway. We will see.

    • Lucas says:

      No Wells Fargo branches in my area too, I used a different zip cod to go to the land offer webpage, then I submitted my application with my zip code area. Everything went well, I received email confirming my application, but then on the next day, I received another email from Wells Fargo that they were unable to complete my application and I must refer to my nearest Wells Fargo branch. I guess I am not eligible for the bonus due to my area, I’ve never had any problem to open a checking account.

  43. creditdoge says:

    I applied the first day y’all wrote about this before anyone else did, got my account approved and funded with $50 from my Chase Credit card, the bonus disclosures were attached to account opening so if they try and not give me the bonus the crazy train will pull out of the station 😉 I was not targeted per say but I would suspect they have fixed the loophole and to people saying the link is the same it probably is but when you go to the bonus landing page it installs a cookie that would link the offer to your IP address so their system knows to attach the disclosures. My guess is someone in their back office was supposed to be checking against the roster of targeted individuals but got too lazy/the computer was not working and a few of us got in that were not targeted and now they are stuck giving us the bonus!

  44. sam says:

    my sister and brother also applied!
    1. if Bank will not honor it – we will say this offer not asking any codes and it’s available through google search engine. We would all say just google the account and applied!
    2. if at least 40 ppl open the case with Consumer Financial Protection Bureau – if Wells Fargo won’t honor the bonus – I think we will get it anyway.

  45. Nikole says:

    I wanted to add my two cents about this offer. Last year, Wells Fargo offered a new savings bonus for new savings customers. It also had the language of “exclusive and non-transferable offer and one consumer bonus per year”; however, I decided to apply anyway. After completing the offer requirements, the bonus was posted to my account. I should note that I received the a small business checking and consumer checking bonus in the same year.

    Hope this helps.

  46. Julia says:

    Applied and got instantly approved with account number. Final page of application confirmed, “Your bonus offer code has been linked to this application”. It looks like the bonus auto-generates and will be successfully applied once the requirements have been met. The “exclusive” language is used so people like us don’t abuse it. As someone mentioned above, lawyers often use the same language to restrict people from taking “too much” advantage of things.

  47. Jesse says:

    Thinking about going for it (was not targeted), but have a WF credit card, a home furnishings credit account (From a 6-mo no interest bed purchase), an old WF Mortgage paid in full, and a rewards account. Should I enter my online info when it asks if I want them to prefill the app?

    • Jesse says:

      Replying to myself as I just went for it anyway.

      “Status: Your application has been conditionally approved subject to verification of the information you have provided.” with the bonus offer code being linked to my application.

      Funded with a Chase Sapphire Reserve, will report back with a DP on charge vs. cash advance when I find out.

  48. sam says:

    crap =(
    “Thank you for your recent online application for a new Wells Fargo deposit account. We appreciate your interest in banking with Wells Fargo.
    At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account. To locate a branch near you, please visit wellsfargo.com/help/locations/locations.jhtml.
    Sincerely,
    Randy Thomas
    Senior Vice President”

    • TJ says:

      I wonder why. 🤷🏻‍♂️

      • sam says:

        Strange! I only opened 2 NEW accounts (4 months ago one, another 1 year)! We will see what will happened with my sister’s account! And I’m US Citizen and I provided valid State ID. I think maybe something to do with targeted – I’m not targeted), and never had any Wells Fargo accounts – none) So they were quick I applied 01/07 (they approved it) – then 01/09 they denied)

        • TJ says:

          I wasn’t targeted either. Never had a WF account. I’ve opened up tons of new accounts this year. I applied last night. Conditionally approved. My account was approved today and my OLB is set up. I’m all in. I also see the $250 offer. I’d call them and say what gives!

          • sam says:

            do you suggest me to call them? even if I’m not targeted? just for sake of it to find out why I was denied?

      • Jacket(Jack) Tate says:

        Wells Fargo, thank you for the unsolicitated rental insurance. $840 taken out of my checking. Account, busted by your own industry. Banking regs state that only 60 days of mistaken charges need be returned.! The flagent breaking of the law does not provide you shelter. Where are the class action legal mooches? I will proceed in small claims and prevail. My rights are not superceded by banking chaster belts this time. I gave you $600 dollars and received nothing. Renters insurance? Really? I am homeless. However, I am the whistler blower in Utah. !I went to the sins. Commissioner. Please, do not to business with Wells Fsrgo. They have a long history of harming their clients. WF has a culture of NO customer service. Until the CEO resigns and a culture changing leader is in place, be prepared for rudeness, inaccuracies, arguments and theft. WF emerged as limp dicks after the last scandal. Maybe WF will get it right..NAH!

    • LC says:

      Sam, did you ever try calling or going in branch and were you able to open that way??

  49. SA says:

    How soon can you close the account without losing the bonus or paying any fee? Can I close it just after getting bonus?

    • TYRONE says:

      LOL I had a family emergency, so I literally did that after I got the $100 promo last year. The banker helped me close the account without a blink. No charge back and you keep your bonus. Also at the end he gives me his biz card and said: “If you decide to open a new one, please please please make sure you come to me!” He looked very desperate for new accounts.

  50. payyoutuesday says:

    Here’s the part I don’t get. I actually AM targeted — I received a letter and a “personal bonus offer code.” But I never saw a place to enter the code. So what good is the code?

  51. RP says:

    Can I close my account today, wait couple of days and sign up for this?

    • Have you received a checking bonus in the last 12 months? If so you’re not eligible, if not then you would be eligible according to fine print. The ‘This is an exclusive, nontransferable offer.’ language would still apply to you.

  52. Alan says:

    ‘This is an exclusive, nontransferable offer.’ is a very vague sentence. It can mean it is exclusive to you, who sign up and you cannot transfer the bonus offer to other account. Or if other account fulfills the requirements, that account cannot receive the bonus instead of yours.

    In the past, I saw wordings (not this bank) like: “This offer is available only for the person who received it.” A bit more clear.

  53. Bigl says:

    Has anyone funded with FIA and did it code as purchase?

  54. Ryan says:

    Any suggestions for the 10 purchases? Amazon reloads?

    • Ryan says:

      By the way, the language reads:

      Within 60 days of account opening, complete one of these requirements:

      Make 10 debit card purchases/payments.
      Set up a qualifying Direct Deposit of $500 to your new checking account.

      That’s an either/or.

      I plan on opening one for me and my wife and doing an ACH push. Per that language, assuming that qualifies as a DD, we should both be entitled to the bonus.

  55. peter says:

    I have wells fargo mortgage and crecdit card. They didnt mail me this offer. Im still waiting for $200 for cc. They say you have to wait 3months and 2 weeks after opening… I was going to open this checking account but it clearly says you have to do direct deposit AND(not or)10 transactions. I cant do DD right now.

    • Ben says:

      From the WF page:

      Within 60 days of account opening, complete one of these requirements:

      Make 10 debit card purchases/payments.
      Set up a qualifying Direct Deposit of $500 to your new checking account.

      One or the other.

      Regarding all the discussion about targeting, bank offers are often targeted using inscrutable criteria, for example the various Amex signup bonuses that some people see on their website and others don’t (any monkeying with cookies notwithstanding). So if you go to the WF website, enter my zip code, and still see the offer, I think it’s perfectly fair to assume you’re in their target group, however they’ve come to that definition.

  56. Hugh Jass says:

    This appears to no longer be targeted.
    See here:
    https://www.wellsfargo.com/jump/checking/everyday-special/

    Reportedly, ACH push is NOT a Direct Deposit, but this is almost always a YMMV situation.

  57. AB says:

    I keep getting the following error message:

    We’re Sorry

    We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.

    Anyone else getting this message?

    • AB says:

      Turns out I was out of region. There has to be a WF bank within 100 miles of the zip you enter. Bypass by using a different zip to get the offer.

  58. Highsky says:

    Just applied.

    However, at the very last step after I clicked “Submit”, the office internet became shitty again and I couldn’t proceed…

    A few minutes later, I received an email saying that I have been conditionally approved…

    I am just wondering if WF asked for more information after the “Submit” button…

  59. Nick says:

    Applied last night with “conditional approval”, received some emails about an hour ago linking me to disclosures and terms, etc.

    Logged in and my account looks like my Everyday Checking account is already opened and ready to go. $50 from CC funding in balance

  60. jf says:

    Got conditional approval
    Status:
    Your application has been conditionally approved subject to verification of the information youve provided. Your new account will be eligible to receive a bonus offer. For more details, see the Bonus Offer Disclosure and Additional Requirements.
    Next Steps:
    Please sign, date, and return the Consumer Account Application included in your account information packet (which will arrive in 3 business days).
    Once we have verified your information, we’ll send you the status of your application by email and we’ll follow up with a letter within 2 to 5 business days of our decision.

    It had a bunch of those stupid identity questions that I have memorized the incorrect answers to but this time I decided to answer all of them correctly and look what it got me

    • Schmekel says:

      “It had a bunch of those stupid identity questions that I have memorized the incorrect answers to…”

      You mean you found out that the info they had was incorrect and someone let you know what they thought was the correct answer?

      I ask because Santander seems to have incorrect info on me for their multiple choice questions.
      I’m sure I answered correctly, and they failed me twice on my answers.

      If I understand what you’re saying above – How did you find out what they have as the correct answers (even though they’re actually incorrect)?

  61. Farn says:

    “Thank you for your recent online application for a new Wells Fargo deposit account. We appreciate your interest in banking with Wells Fargo.
    At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account. To locate a branch near you, please visit wellsfargo.com/help/locations/locations.jhtml.
    Sincerely,
    Randy Thomas
    Senior Vice President”
    I got this today. If denied, speak out directly, don’t say the way like “refer you to your nearest Wells Fargo branch to open the account” Why you are confident I will go a Wells fargo branch without a bonus waste my time?

  62. Jesse says:

    DP: Account officially opened today with a CSR charge for $50 funding. Applied for it yesterday. It went from conditional approval to open in less than 24 hours.

    Plan on buying 10 packs of gum for my 10 transactions, grabbing the bonus (assuming it posts), and closing account.

  63. Called Wells to see about having $250 offer matched; No dice. That said, the rep told me that, since we haven’t received our bonuses yet, we may be able to get the $250 bonus if we close our new accounts and then apply for the $250 offer.

    Anyone have experience with this situation? If you have yet to get a bonus from Wells (nor met bonus requirements), can you close your account and apply for (and receive) your preferred bonus? Also, what downsides, if any, are there to closing an account shortly after opening it?

    • Jan B says:

      Not good advice from rep.

      If account is closed and another one opened. Automation will catch that, seeing you opened an account within the last 12 months.

      • Mrdioji says:

        But you just can’t currently have an account or received a bonus in 12 months. Doesn’t mention having an account in the last 12 months

  64. Yu says:

    to anyone who funded the account via his/her other bank account, how long did it take to
    (1) Receive the conditional approval email that confirms the bonus?
    (2) See the initial deposit in your account?

    Thanks

  65. TJ says:

    My account is open and I funded it with $50 from Fidelity Visa for convenience not for cash back. It posted like this:

    01/09/17 WFB OPEN DEP TO CHK 925-674-7328 CA $50.00

    Does the CA mean cash advance or California? I hope it’s not a cash advance. I should have funded from bank account but wanted funding to go through quickly.

    • TJ says:

      Called and it means California. It’s still posting and will finalize in the morning but he said it looks like a purchase. He did mention though he’s hesitant to say for sure because it says deposit into account and “his last customer funded an account for $25 and that turned out to be a cash advance.. but it looks like a purchase but call in the morning for a definite answer.”

      I wish the website was more advanced and we can see that without needing to call.

    • Yu says:

      This is hard to say. Maybe you should give Fidelity Visa card a call.

  66. Eduardo Baez says:

    Applied online using link from DOC web page today 01/11/2017 and got instantly approved. Final page shows Account Number, Application Reference Number, Status stating “We have approved your application” and Offer Status stating “Your bonus offer code has been linked to this application”. I have no accounts with Wells Fargo and have not received the offer either.

  67. jf says:

    So I got approved by email today despite conditional approval stating I’d receive a mail application to return. Do I wait for my account number to come by mail or debit card to sign up for online banking or should I just call in to get the account number? Wonder how fast the card will come? Wanting to get the propel 40k offer ASAP in branch. Which I know is not guaranteed. Should I just go to the branch to get my account number? BTW funded via BoA Merril Lynch and the amount was $50 and did not code as cash advance.

  68. Ben says:

    Funding data point:

    I funded $50 with a Chase Sapphire Reserve. It posted to my Chase account as a purchase, NOT as a cash advance. Chase’s website shows I am earning UR points on it.

  69. Gmoney says:

    Regarding the “This is an exclusive, nontransferable offer” verbiage on the offer page….I just applied for this account for the wife. (The application is conditionally approved).

    She was not targeted but applied through the link on this page that takes you to the Wells Fargo bonus page. The confirmation stated “Your new account will be eligible to receive a bonus offer.” No code, no targeted offer, just applied through the link.

  70. CK says:

    I applied online and after I finished the application, it said the bonus was attached. And I got an email saying:
    “We Have Received Your Application: Action Required

    Please see below for further details and important next steps for your account(s).

    Wells Fargo Everyday Checking

    Next Steps:
    Please sign, date, and return the Consumer Account Application included in your account information packet (which will arrive in 3 business days).
    Once we have verified your information, we’ll send you the status of your application by email and we’ll follow up with a letter within 2 to 5 business days of our decision.
    Once your account is approved and we process your opening deposit, you can access your account within 24 hours at any Wells Fargo location.”

    My question is, does that mean my account has been “conditionally approved”? And would I be able to go into a WF branch to fill out the Consumer Account Application and have them submit it? Instead of waiting for it to arrive in the mail, as I am currently out of town(and in a town with WF branches).

    • J.M. says:

      I got this when I applied several days ago and then started getting approval emails the following day. Never had to sign anything even though the first response mentioned it. Still waiting on my account number to come in my welcome package by mail, I assume.

  71. sam says:

    My sister and brother were approved with no issue! They approved me and after 2 days they “denied” me through the email.
    “At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account. To locate a branch near you, please visit wellsfargo.com/help/locations/locations.jhtml.”
    I then called Wells Fargo customer service the guy said to wait the letter, he has no idea why I’ve been denied! I said denied? He said “YES”!
    I called again today and reached out Application Department! THE GIRL said application is pending! And They need to verify my identity at my local branch – bring SSN, 2 forms of ID. She said Cannot do this through the phone!
    Went to local branch (no one ever asked me if I have any mortgages with them and if I was targeted)! So I asked why my application pending AGAIN the teller! She asked – how long I’ve been living in my address and working for the company that I reported….. she input these info in! then she said – Experian (they use) REPORTED different date of birth and different legal name!! Here is big story started!!!
    I have 10 authorized accounts (my sister and brother and father added me) in order to not to show up all these cards on my CREDIT REPORTS I short cut my legal name! I thought this should work!! REMEMBER – when my family added me as authorized user NO ONE ASKED (NONE of the banks) my social security (authorized social security no one asked)!!! Just name and address!! For example, my name is Samuel Goldman – I told them to input SAM GOLD!!!! Guess what? This “SMART ASS” Experian and probably other credit agencies – reported it all! THEY MATCH MY legal name and address – then they thought it’s kind like that the same person then they added to my social!! WTH? Have anyone heard about this? Do they have rights to add authorized users without their permission on their social?? AND MAIN THING – IF NAMES DOESN”T MATCH – do they have rights to play with it – and still match my legal name with my “fake name” and add it to my social!!! Samuel Goldman and SAM GOLD – dont look the same for me!!!!! And now the teller show me Experian have all these 10 authorized cards on my account under my social and also they have my “fake name” as well on their report!!!!
    So now I guess I have to make the name “Bill Gates” for myself as authorize user – so this way they will not match it with my social security thinking it’s me because of the same address??! But they match with kind similar names?? “Samuel Goldman and SAM GOLD” What a clowns!!

    • sam says:

      oh, yes, Experian reported on their report my date of birth as 1978, but my real Year of birth is 1983. I have no idea where they got this info! I couldn’t input 1978 instead 1983 in any of my application – so some one messed up on their end or some banks when I opened account before!! Will dispute it!

      • sam says:

        Final Info!
        If you get this message!
        “At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account. To locate a branch near you, please visit wellsfargo.com/help/locations/locations.jhtml.”
        Your online application is denied!!! Because mismatch of the information base on three Credit Reporting Agencies!! If there is real error and mismatch on the reports – they will denied your application!
        If you go to the branch you cannot process this application without BONUS offer CODE! And by phone in order to process this DENIED application you need Bonus Offer Code!

      • sam says:

        More fun info! When I was added as authorized user, person who added me purposely provided bank (chase) with incorrect info date of birth (he input 1978 instead 1983) – so the EXPERIAN will not add this credit card to my account! So the EXPERIAN then replaced my date of birth which I had for 6 years (since I opened my first credit card). Can you imagine? they replaced my original date of birth because chase reported different date of birth!! Experian added to my report besides my legal name – Samuel Goldman but also fake authorized user name – SAM GOLD, and the authorized user credit card (Chase does not have my SSN) so they didn’t provide it to Experian, but Experian still matched using my address (card was mailed to my address) and similar names (Samuel Goldman and SAM GOLD) and then replaced my date of birth!

    • Logan says:

      Sam, were you approved 2 days after this initial denial email via email? Or did you have to go in branch? My mom is going through the same situation and trying to help her get this account approved with the bonus. She could really use the money

      • sam says:

        No, I spoke with Application Wells FArgo Department over the phone and spoke with the manager at LOCAL branch – no one helped me!! go to local branch AND call application Department….. YMMV. I’m in NYC, some ppl claimed that ( I think they are from other states) tellers or sometimes managers generate Promo Codes for them at their local Branch……
        SO what happened with me?! I cleaned all ALL my reports withing 20 days – I disputed ALL wrong incorrect info! NOW it’s perfect! I applied yesterday – we will see if they will approve it not!

  72. SA says:

    Any recent experiences with DD requirements for Wells Fargo? I read that ACH from Discover and Ally accounts codes as DD for them? Is it still true? I do have a Discover checking and an Ally MMA. If that works then it is worth trying.

  73. FYI, went into a branch today to have the $250 bonus offer matched to our accounts that were opened under the $100 bonus promo — while showing me the details of the $250 offer, the banker pointed out that there will be another $250 offer running from January 9th – March 12th.

    Also, for those looking to get the $250 offer matched in branch, you’ll need to talk with a banker and they may need to talk with a supervisor to get you a code to attach to your account — they may also tell you it’s impossible. YMMV.

  74. RP says:

    I’m cancelling all of my accounts with Wells Fargo this coming week. I have a credit card, business checking and savings and personal checking and savings account. They are without a doubt the worst bank I have ever dealt with. I have over 10 banks I work with, but none has caused me the amount of frustration as Wells Fargo. Don’t bother with the reward. They are crooks and I wouldn’t trust them to honor it.

  75. Yu says:

    Applied online at 8:30PM PT on 1/11, still haven’t received the 2nd email that confirms the full approval. Plus the CC hasn’t been charged yet. Is this normal. (The only email received is the one right after the submission of the application, which says ‘ conditional approval and I am eligible for the bonus.)

    Anyone at the same situation? Thanks.

  76. Jesse says:

    Got a targeted mailer AFTER I opened the account. Should I take it in to branch and ensure that I’ll be receiving the bonus?

    • JP says:

      Same situation

      • Jesse says:

        I think I’m going to, just to confirm. The link I used it printed on the mailer (the wellsfargo.com/250offer), so I’ll just take it in and ask them to double-check whether or not my personal code applied, since there was no place to enter it online during the process.

        Will report back on Monday.

  77. bornsupercharged says:

    It isn’t limited to those that are targeted. After I submitted the application, the page says:

    Status: We have approved your application

    Offer status: Your bonus offer code has been linked to this application.

    • Cindy says:

      That was my situation as well. However, I did want to note, the first time I went to apply it said it wasn’t available in my area. Someone mentioned above putting in a different zip code and that worked. I was approved instantly and had the message:

      Status: We have approved your application

      Offer status: Your bonus offer code has been linked to this application.

      Also worth noting, it said you could fund with a prepay debit card.

    • sam says:

      This is targeted offer! IF they spot you – they will ask your bonus code (from official promo email, or mail which they sent you) if you don’t have it – they might say – no bonus!! But if they have issues with their PROMO department and I.T. they might honor automatically bonus to all who applied!! If they want they could check everyone and see who got bonus and who is not!!

  78. Ferris says:

    Anyone get the bonus already? I got my debit card and everything. 10 $1 amazon gift card purchases should trigger it right away right?

    • J.M. says:

      DoC cautions agains too many consecutive, repeat small-dollar transactions to same vendor, such as the one you’re describing. Can get your account flagged and potentially closed. YMMV i suppose

  79. arch says:

    Added the WF debit card to Amazon to get the 10 transactions out of the way. But it doesn’t show up as debit, just looks like all the CCs. I can’t find a way to change the settings on this on Amazon. I wonder if it will matter if the transaction runs as credit versus debit to fill the 10 transactions. Any pointers? Thanks

    • sam says:

      Be very careful.
      “DoC cautions agains too many consecutive, repeat small-dollar transactions to same vendor, such as the one you’re describing. Can get your account flagged and potentially closed. YMMV i suppose”

  80. Roberto says:

    Any DP’s of the bonus posting yet?

    When I did the $100 WF checking offer in December, my bonus posted within a few days of the 10x Amazon loads.

  81. Carlos says:

    This bank is the bank from hell.
    Opened account a week ago and closed it today.
    They lost both opening deppsits from mine and my wifes account.
    After countless hours on the phone with them nobody can tell me where my money is.
    They never ordered me debit cards on 3 occasions.
    Sorry but no bonus is worth dealing with a shady bank.
    I have dealt with 30 banks amd never ever had so many issues in such a short period of time.
    They send you into a endless cycle of transfers and they suck.

  82. candy says:

    I can verify that the promo isn’t targeted. Easy promo, quick payout -sweet!

    01/17/17 PROMOTION BONUS $250.00
    01/13/17 Payroll DD $500.00
    01/9/17 Opening deposit using CSR $25

    • savemesf says:

      Awesome, thanks for data point!

    • B says:

      How did you receive account number so fast to have DD’ed your payroll?

      I applied 01/10, on 01/13 I got approved and got welcome emails and today I got your debit card shipped email. Without debit card I can’t register online.

      • candy says:

        I called into customer service once I got the welcome emails and the agent was able to walk me through how to gain access to online banking (and full account number and routing).

        • B says:

          Got it, thanks ! I will call them to gain online access.

        • Carlos says:

          Wells Fargo does not give out your account number over the phone.
          Trust me I heard this 50 times.
          Im finding this hard to believe sorry.

          • John says:

            They don’t need to give your account number over the phone. They confirm your identity and help you setup your online account. Once you have online access, you can see your account number. My bonus posted today and I still haven’t received my debit card in the mail.

      • TJ says:

        Same as Cindy. Call Cust Serv and they’ll walk you through setting up OLB.

  83. Moose Cow says:

    My application was declined. Got a letter in the mail saying this was due to my Experian report. As my EX is frozen, I’m guessing this might be a hard pull. Or soft, but they require access.

  84. TJ says:

    Got my $250 bonus today! I was not targeted. Used the link on DoC. Opened the account 1/7 and was conditionally approved and then fully approved the next day. Funding of $50 hit WF act on 1/9/17 using Fidelity Visa CC. On 1/13/17 a $500 employer DD hit and today the 17th I got my bonus!! Easy as pie!! Thank you DoC!

  85. Dol says:

    Opened online today, rec’d email confirm including language re: $250 bonus attached to my app! I was not “targeted”, found this on your site. Go for it!! I’m in FL.

  86. Jesse says:

    Anyone have bonus post w/transactions as opposed to DD?

  87. Simon Harwood says:

    Error message when clicking on the link to open an acct today 1.18.17

  88. Mark says:

    I also received this email about the bonus (which makes it a non-targeted offer):

    Bonus Offer Disclosure and Additional Requirements
    Account opening bonus disclosure
    Important things to know about the $250 offer:
    Eligibility:
    All consumer checking accounts, including non-interest-earning checking accounts (except Teen Checking SM) are eligible for the bonus of $250. The prepaid Wells Fargo EasyPay ® Card is not eligible.
    You cannot be:
    A current owner on a Wells Fargo consumer checking account
    A Wells Fargo team member
    A recipient of a consumer checking bonus in the past 12 months (limit 1 bonus per customer)

  89. John says:

    1/10 – Apply
    1/11 – Approved
    1/17 – $500 ACH transfer from Ent CU coded as DD
    1/19 – $250 bonus pending

    Damn that was easy! Additionally, I selected CC for initial funding but the charge still hasn’t posted to my CC or WF account. Who knows whether or not that will ever go through.

  90. Mark says:

    Data point:
    Opened account: 1/11/17
    Received debit card: 1/17/17
    Made 10 Amazon $1 purchases: 1/17/17
    Received pending bonus of $250: 1/19/17

    https://static-forums.fatwallet.com/static/attachments/583008_capture.png

    This is now proven to be NOT targeted.

  91. Matthew says:

    Went into a branch in San Antonio. They were confused by the offer since the language is so confusing. So they emailed their regional marketing team and they said they would send them the code necessary to get the offer. Fingers crossed. Took almost an hour, chatty personal banker. Scheduled an appointment, which I recommend.

    • Matthew says:

      I also applied for the World Propel card too, which took almost another half hour, 40k bonus and 0% APR first 12 months. Pending application.

    • sam says:

      Please let me know – if they will get offer in branch – they it’s not really targeted….. they refused to open mine in branch (NYC) they said it’s targeted only….

  92. Jags4186 says:

    I just wanted to write and let everyone know to be careful when signing up.

    I signed myself and my wife up for this offer. The website is wellsfargo.com/250offer. Mine went through fine and I have the “everyday checking” account.

    I signed my wife up and when I set her up for online banking I noticed she had “preferred checking”. Now I didn’t think I did anything different but now I notice when I went to sign her up I filled in the web address from memory and there is a different webpage wellsfargo.com/offer250. This takes you to the preferred checking account bonus page… needless to say I’m trying to figure out how to fix this as I don’t want to park $10k in there for a couple of months.

  93. Matt says:

    1/9: Applied
    1/10: Approved
    1/17: Received debit card
    1/17: Reloaded Amazon Gift Card balance for $0.50 10x
    1/19: Bonus received

    Was not targeted.

  94. Tom says:

    Anyone have experience and details about churning wf propel with 40k bonus

  95. Gmoney says:

    DP Chase Freedom Unlimited coded as purchase

  96. Alex T says:

    Why is this still flagged as targeted? I was not targetted, had the exact same timeline as Matt above. This was obviously not a targeted thing in the first place. When you get a confirmation that the promo code has been added to the application, that should be a tell all.

    Interesting that the assumption was it WOULDNT work for people that weren’t targeted

    • Nick says:

      DoC informs us of so many offers, I for one appreciate being conservative until we see data showing one way or the other. Don’t want to jump the gun and waste a Chexsystems or hard pull, time on applying and transferring funds, etc.

    • sam says:

      ONCE AGAIN!!! I was not targeted! APPLIED, they “reject” my application because Experian has wrong name and Year of Birth! Went to branch to provide and verify my identity – they don’t have this offer in branch! They called online support – THEY ASKED IF I HAVE OFFER BONUS CODE – by mail, or email…. without it they will not process!!!! SO it mean there is a glitch with this offer – with their IT department – it should be targeted but they messed up…. and people got it….. and IT doesn’t care yet and maybe be won’t care later – or maybe they will fix it!!!

    • Better to be safe than sorry.

  97. Stephen says:

    Applied 1/12
    Opened 1/19

    Also, note: WF is up to old shenanigans. My checking account was changed to E-Statements without my permission after a rep on the phone activated my checking account. I received an email about it. I’ll take a free $250, but will close my account very soon after.

  98. Ferris says:

    My bonus is pending! Anyone close out their account yet after getting the bonus? I should be good to go as soon as it posts right?

    • sam says:

      Please let us know how it will go with you “Early account termination fee: None”

    • sirtheta says:

      Wells Fargo just gave you $250 for doing practically nothing. This kind of behavior pisses of banks. Why not wait a statement cycle or two? They don’t even charge you a service fee for your first two cycles, regardless of whether you’ve met the requirements to have the fee waived.

      • larkin says:

        These banks thrive on their GREED; they screwed with all of us not too long ago. If Wells Fargo is going to offer $250 with no early closure fee, why wouldn’t anyone take the money and run?

        • sirtheta says:

          Because it costs you nothing to keep the account open for a month or two. I’m not saying you need to leave money in the account; transfer it out, or use it to pay bills, or whatever.

          But pissing off banks is not especially wise.

        • lingua says:

          always nice to cuddle a bit after you’ve had you’re fun.

      • JB9 says:

        Agreed. Plan to keep my account open for a at least 2-3 months. Question,…where does it state that the service fee is waived for the first 2 cycles? I’ve looked everywhere, but can’t seem to find it. Maybe they have removed that bit? Please provide a link if you know where it’s noted. Thanks.

        • sirtheta says:

          JB9 – it was noted on my first statement.

          • JB9 says:

            Ahh, ok, Thanks! I’ll look for that once my statement posts.

          • Pablo says:

            Looking at my e-statement, they don’t mention waiving it for 2 months but I do see that they waived it for the first month. They said the fee waiver is about to expire so not sure if that means that next month, they won’t waive the fee or the might but that will be the last time?

  99. sam says:

    Again – called customer service (online support department) – made up the story that friend got the offer, will I be able to get it too? They said no! ONLY TARGETED CAN apply and get offer!! So once again, there is glitch with their system!! Some one made real big mistake writing a code for this offer when people apply – the code doesn’t check and matching if people were targeted those who got the offer! that’s how i See it..

    • John says:

      I never received a targeted offer and was able to get the bonus. I used the link to apply online. See my data point above.

  100. Saphira2021 says:

    What in the world is “WFB OPENING DEPOSIT”? i just opened an account and the funding on the account is still pending but i got this in my account for $100. trying to understand what they are doing.

    • Saphira2021 says:

      never mind. just figured it out that they actually took the $100 from another account that i filled in during the application but did it with such delay that i assumed it won’t happen. not a good sign of their services.

      • Mike says:

        How long did it take for the funding to post?
        Mine has been over 2 weeks and they still haven’t taken it from the other bank.

        • Jake N says:

          I applied on 1/31 (right before the targeted language was updated) and my Chase Reserve was charged the $50 today (2/12). I then also received a handful of emails welcoming to WF.

          • Jake N says:

            Notably, I had to call in to get a temporary user ID / password setup for online banking. They were able to do this over the phone and then I created my permanent account which gave access to my account #s for transfers, etc.

  101. TD says:

    Opened account on 1/10/17 with initial deposit of $25 from Chase CSR. Did 10x$0.50 amazon reloads on 1/17/17. Just checked account today. $250 bonus just posted. I’d call that a win.

  102. tennismenace3 says:

    Got the $250 bonus 2 days after meeting reqs. Do not have a mortgage and was not targeted to my knowledge. No prior relationship w/ Wells Fargo.

  103. Laura says:

    I almost didn’t mail back the “Consumer Account Application”! The conditional approval clearly states to sign and return this document but I forgot that and set it aside since I already had the account up and running & didn’t want some second application confusing the process- but this is their version of a Signature Card! Don’t forget to return this document everyone!!

    • larry says:

      Several reports of people getting bonus without doing the signature card requirement. Those same people are already closing their account with bonus money in hand. This is going viral at SD and it could end badly!

    • J.M. says:

      Where are we supposed to mail it? To the P.O Box in Concord CA listed at the top of paperwork? The initial email asking for the application to be returned doesn’t specify an address and the application doesn’t either.

      • Jesse says:

        Mine came with a self-addressed, no postage necessary envelope to send back to Wells Fargo in Sioux Falls, SD. I think I might just go in and see if I can do it in branch, though.

      • sam says:

        Wells Fargo Bank, N.A.
        PO BOX 5110
        Sioux Falls SD 57117-9716

          • sam says:

            n/p, I think teller at Wells Fargo just can scan this form (or maybe they have this blank forms as well) and submit online…. What will happen if you not submit it? What form it is? They told me it’s for signature verification….

  104. AC says:

    Data point for those who’ve yet to apply, I’d recommend doing so ASAP.

    I applied about a week ago, Jan 16, but still didn’t get email confirmation, so I called in yesterday Jan 21, getting transferred to the new online accounts department. They said they were totally overwhelmed with applications and delayed in approving things. They found my application in the queue but reviewed it while I was on the phone, saying it had been denied because of some issues with CC funding. The rep said a written notification would be mailed out. She advised me to re-apply with another funding source, either online or in branch.

    In the midst of conversation, she said they’d been really busy because of a promotional bonus, but that that had “ended”. Needless to say, I took multiple screenshots in re-applying online (still says good through Feb 17), this time with a bank account for funding. The new application was approved immediately and spit out an acct number.

    • JP says:

      Exactly my call. Although she didn’t mention about promo being ended. Gonna apply today again. I guess one chex system inquiry was wasted now.

    • MT says:

      what number did you call for new account funding? I am also ‘conditionally approved pending verification’ and when I call they told me they can’t do anything.

  105. Jags4186 says:

    2 accounts opened–10 $0.50 amazons posted on 1/19 and 10 $0.50 amazons posted on 1/20. Both $250 bonuses in account today 1/23.

    I did not send in the signature card thing they sent.

    Will transfer out ASAP and keep a few dollars in there to do 10 debit transactions to avoid fees. Will close accounts in month 3.

    • asslantis says:

      Any reason not to close immediately? I always wonder whether it’s safe to immediately skip out on these, especially if it’s an evil bank…

  106. ayork22 says:

    Can someone share how to utilize Amazon for the 10 $.50 transactions please? 🙂

  107. B says:

    Ally ACH worked as DD. Transfer from Ally was posted on Friday 01/20 and received DD notification email from WF. (you have to setup the Alerts though)

    $250 bonus posted today 01/23 morning !!

    Didn’t receive any offer code by mail or email, completely new customer to WF

  108. Logan says:

    im gonna bite the bullet and apply even though i had a wells fargo account within the last 6 months. wish me luck. edit: conditionally approved with bonus language. Waiting on document to sign. Will keep you updated on if i get bonus.

    • jf says:

      you wont have to sign it if you end up getting approved fully and they say to setup your account, and that debit card is shipped. you can call in and get it set up before the debit card comes.

  109. JL says:

    Adding DP, application was “withdrawn” due to credit card funding. Rep asked me to reapply using a bank-drawn funding source.

    I had to call to get the status as they are “4 days behind” in reviewing applications.

  110. Ben says:

    Signed up via the link thru this site; I was not targeted as far as I know. I received an approval email stating that my account would be eligible for the bonus.

    I made 10 ~$1 Amazon gift card reloads over the weekend, and today (first business day), the $250 bonus shows pending.

    Seems to work for all.

  111. Eduardo Baez says:

    I have no accounts with Wells Fargo and have not received the offer either.
    Applied on 01/11/17.
    Push $500 from Goldman Sachs Saving Account on 01/19/17 which was categorized as Direct Deposit by Wells Fargo web site.
    Got temporary debit card on 01/19/17.
    Made 10 debit purchases from 01/19/17 to 01/22/17. Final debit transactions posted on 01/23/17.
    Initial $500 web deposit from EverBank posted on 01/23/17. Took 12 days to post!!!!
    $250 Promotion Bonus is pending today 01/24/17.

  112. Eduardo Baez says:

    Please correct my name from previous post. It was a typo. Edaurdo rather than Eduardo.

  113. arch says:

    Opened in branch 31 Dec with $100 offer attached, 3 Jan posting date. Saw $250 offer (not targeted), got code and went back in branch on 6 Jan to same csr who made a phone call and gave the new code. Fulfilled requirements, $250 posted on 20 Jan, withdrew all cash on 23 Jan, closed on 24 Jan.

  114. Gogurt says:

    Was not targeted, received bonus after 3 business days.

  115. lisa says:

    opened the account 2 weeks ago, got the bonus yesterday. met the requirements by ACH transfer. not targeted.

  116. Laura says:

    I wasn’t targeted. Made 12 (accidentally, was going for 10!) reloads of $0.50 on my Amazon card on 1/19, $250 bonus showed up on 1/23.

  117. Peter says:

    My account opened on 1/10 and setup an ACH push from Chase, arrived on 1/20 and I got my bonus on 1/23!

  118. J.M. says:

    Applied online 1/5
    Account opened 1/6
    Completed debit transactions on 1/21
    Bonus deposited 1/25

    No direct deposit.

    Six of my transactions were $1 Amazon gift cards, spread out over several days. One was a Square Cash $1 payment to myself (two square cash accounts). Three were small transactions at a grocery store and coffee shop.

    To go back to the beginning I was not targeted for this.

  119. Ryan says:

    Just got the bonus after ten $2.50 Amazon.

    This was way too easy. I have to think someone at Wells is getting fired for this.

    • J.M. says:

      There can’t be that many of us out there. I’m sure they got plenty of regular customers through the promo, nationwide, who will stick around.

  120. Panda says:

    I just $250 bonus, can I close the account without getting any troubles?

  121. Nate says:

    Anyone else getting an error message when they try to apply online? “We’re Sorry. We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.”

    I’m in Boston, MA if that makes any difference.

  122. Alen says:

    We’re Sorry

    We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.

    Do I need to click the link in the offer page, or can I just open a regular account? By viewing the URL of the link on the offer page it would seem like there is a promotion code of “250CXS.” When I try to open an account normally, I don’t see an option to input this promotional code.. Any ideas?

  123. JC says:

    Looks like it is available in MA. I tried another state, it works fine, once I enter MA zip code, it show “We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.”

  124. Aaron says:

    It looks like this offer is only available in states where Wells Fargo has ATM and bank locations. That would exclude HI, OK, MO, LA, KY, WV, VT, NH, MA, RI, and ME.

  125. Jake says:

    I have already received their $100 bonus about 6 months ago. Should I apply for this bonus or will I just be wasting my time? I know the article says:

    You cannot be:
    A recipient of a consumer checking bonus in the past 12 months (limit 1 bonus per customer)

    I just wanted to see if anyone else has had any luck with getting both like I did with M&T bank awhile back; the $150 + $200 offer.

  126. Jonathan says:

    Applied for account 01/11 and was opened 01/13. Ten Amazon gift card reloads for $0.50 and two business days after meeting requirements bonus posted. I was not targeted.

  127. AndyK says:

    Anyone have success after opening their own account to make one for their minor child(s)? Was able to double up bonuses at NavyFed, Capital360 & Ford Financial this way…. Problem I see is the driver’s license or state ID request on the application form…

    • Logan says:

      it also asks if at least 18 and for DOB as well. dont think you’ll be able to but i guess you could try?

      • AndyK says:

        Ah it asks if at least 18? I didn’t see that.. I sent a pm to WF a few days and asked the same question but they replied some canned response that told me to call them bla bla bla

  128. Nick says:

    Got my $250 bonus ..showing pending, used discover checking acount for DD on 20th…posted as P2P still go my bonus….Thanks DOC…..

    • Mike says:

      I also transferred with Discover Checking and it showed up as P2P. Transfer received on 1/25 and bonus shows up as pending on 1/27

  129. Lagerback says:

    Can I still get this bonus if I closed a Wells checking with them 5 months ago, but I was never “a recipient of a consumer checking bonus in the past 12 months.”

    So never received a bonus from that checkings or in general before from Wells Fargo, but I did have a checkings account with Wells in the past 12 months.

    Am I eligible for the $250?

  130. MikeyBee says:

    Application process is a breeze compared to some, such as HSBC. One caution: When I finished my app and got halfway thru my wife’s, their system timed me out and I had to start hers over from scratch. Apparently, it counted the time from when I began my app. Just a word to the wise.

  131. MikeyBee says:

    Oops, almost forgot to mention, my Illinois ZIP worked fine.

  132. Schmekel says:

    Wells Fargo is a totally f’ed up company.

    The website says the New Applications phone # 866 370-2264 is open until 11pm PST.
    Have tried on multiple days,and had cs reps (contacted on a different #) try it and they also verified that it appears to shut off about 5:00pm PST.
    After that there’s a recording that says “Not available. Call back another time” and it hangs up without offering to take a message.

    So I called at various times today and kept getting each time “Average wait time is 30 minutes”.
    Had work to do on the computer so finally gave in and put it on speaker in the background at 2:00 pm PST . It’s now been 65 minutes.
    After hearing an endless loop of their horrible theme music (had to bury phone with a towel) , at 65 minutes got the same recording I get after 500 pm – “We’re sorry. There’s no one available. Please call back at another time” and it hung up.

    I’m calling because it’s been a week and no response from them and no mail after the Conditional Approval.
    (While waiting, I applied for the Citi checking offer and was approved online at once).

  133. Schmekel says:

    Wells Fargo is a totally f’ed up company.

    The website says the New Applications phone # 866 370-2264 is open until 11pm PST.
    Have tried on multiple days,and had cs reps (contacted on a different #) try it and they also verified that it appears to shut off about 5:00pm PST.
    After that there’s a recording that says “Not available. Call back another time” and it hangs up without offering to take a message.

    So I called at various times today and kept getting each time “Average wait time is 30 minutes”.
    Had work to do on the computer so finally gave in and put it on speaker in the background at 2:00 pm PST . It’s now been 65 minutes.
    After hearing an endless loop of their horrible theme music (had to bury phone with a towel) , at 65 minutes got the same recording I get after 500 pm – “We’re sorry. There’s no one available. Please call back at another time” and it hung up.

    I’m calling because it’s been a week and no response from them and no mail after the Conditional Approval.
    (While waiting, I applied for the Citi checking offer and was approved online at once).

  134. Schmekel says:

    Just tried the Online Application number 866 370-2264 which everyone at WF says is the only number that can help.

    It’s now 4:10pm PST. They’ve turned the phones off, even though the WF website and cs at other WF #’s say that it’s open till 11:00 pm PST.

    So they run a recording during the day saying it’s 30 minute wait time constantly, if one holds one it hangs up after an hour.
    Then at 4:00 pm they stop pretending – the recording just says “There’s no one available to take your call. Call back another time” and immediate hangup.

    I have a feeling I’m never going to hear back on this – the company is messed up.
    I realize many of you were approved same day or next day, but if they find an issue I have a feeling they just don’t bother.

    And they’ve decided to not answer the online application phone at all.

  135. jf says:

    2 business days after charges were posted got the bonus, not “targeted”. Some of them stayed pending for 4 days though. But no biggie. I dunno why, but instead of doing the rational thing and closing this POS after getting denied for world propel, I will start using it for whatever bill pays I do without a credit card. And hope that 4-6 months from now my inquiries will decrease they will not flip out over too many new accounts.

  136. Jay says:

    I currently have a checking and savings account with Wells Fargo (since 2006). If I move my funds from my checking to savings, and then close my checking account, could I then at a later date (3 days later?) open a new checking account with Wells Fargo to receive this bonus?

    Based on the language, having a current checking account makes me ineligible for the bonus.

  137. tony says:

    anyone know if the debit card transaction are pin needed or pinless online pay is fine

  138. Todd says:

    We were not targeted and my wife and I each opened an account. The application stated that we WERE going to receive the bonus.

  139. Mike Carter says:

    I’ve scoured all the comments via Ctrl+F but I’m still confused… what zip code should I use if I can’t use my own? I’m from Maine, so mine isn’t an option.

    I can’t tell if (A) you can definitely receive the bonus with a fake zip code, and (B) if the location of the fake zip code matters, or if any qualifying state is fine.

    • Aaron says:

      I haven’t seen any posts indicating definitive success yet, but I have seen posts where people have used a different zip code to gain access to the application only to apply with their home zip code. I’m in MA, so I recently used a CT zip code to get to the application. Still waiting to see if it works. There are only 11 states where WF has no presence, so theoretically, using a zip code from any of the other states would work equally well. If you try, good luck.

      • AndyK says:

        I am retired mil overseas and thus have an FPO zip which wouldn’t allow me access to the application. So I changed it to FL just to gain access then used my FPO zip and was then able to complete the app successfully with instant approval. However the $25 opening deposit still hasn’t been pulled which I find a bit odd since I have been already able to set up an ACH link with another account using the verify deposit method. So they have time to send a few cents to another account but not withdraw the mandatory $25 opening deposit? How is that possible?

  140. Jake says:

    Has anyone gotten the usual $100 offer and this $250 offer all within less the last 12 months?

  141. Martins says:

    Has anyone used a different zip code in order to trigger the application, filled in their real zip code, and still received the bonus?

  142. Pat says:

    Can’t find where the offer says “soft pull.” At the end, it just says, “This may include ordering my credit (or other) report.” Based on just that language, it could be a hard or soft pull.

  143. Pat says:

    I called Wells 3 times to see what different reps would say. The 1st said hard pull. The 2nd said soft pull. The 3rd said it could be different for different people based on the app. Someone above said credit was pulled & they were denied. I think I will steer clear of this one. There are so many others. Thx for all this work.

    • Nick says:

      Incidentally, I’ve opened a few checking accounts of late, so was curious of my credit pulls.

      WF did not pull my ChexSystems, TU or Experian reports (from Creditkarma)

    • sam says:

      I only see FOUR Experian soft pulls (I APPLIED ONLY ONCE):
      WELLS FARGO PHONE BANK
      WF CRD SVC
      WF DDA
      WF DDA

  144. JP says:

    Been a week since my SO applied and got “approved” confirmation on the application with long reference number and an account number too. Still haven’t heard anything back though. Did got hold of someone once and they couldn’t f Ind anything with the account number or SSN. Trying to call again but every time it has long wait. Anybody in same situation?

    • RB says:

      Applied for my wife on 1/23 and still waiting. All we got was the application reference number in an email. When we call customer service to check on the application status and give her SSN/ITIN number, the system doesn’t seem to pull the application is the answer we get. Instead now I give the application reference number and they are able to retrieve the application. Only answer I get is the application is still being reviewed. All we can do is only wait. The other excuse is they have received too many applications bcoz of this promotion and it is taking long for then to process. Hope it goes through approval. Mine was approved within a week.

    • Dimi says:

      I’ve been in similar situation. I applied on the 20th, got the conditional approval email right away. After not receiving the promised paperwork I decided not to bother calling the bank but patiently waited instead. Today, on the 30th, I finally got a bunch of Welcome emails from WF with invitation to access my account online. Also, my CC is finally processing a charge for the initial deposit today. I still haven’t received a Consumer Account Application to sign and send back but I’m pretty sure I’m getting it soon. So just wait for a day or two and you will get it as well.

  145. Schmekel says:

    Still waiting, and the application info # still has the only message I’ve ever heard – “Your wait time is approximately 30 minutes.”
    My only experience with this is that after 65 minutes it hung up.

    I’m thinking of going into a branch and submitting another application there, and then have them cancel the one I submitted online.

    I thought online would be easier and less hassle, but my experience so far is it’s worse.

  146. AndyK says:

    How long did it take for your opening deposit of $25 to be pulled? I am over a week already and still the $25 hasn’t been pulled. I am on hold to do the $500 direct deposit until at least they pull the $25 opening deposit… am I correct in thinking this?

    • AndyK says:

      So it turns out that WellsFargo totally lost my initial deposit request of $25 when I did the on-line application, that is why the $25 never got withdrawn and my WF account is “on hold” for never receiving the $25 initial deposit. Took me three calls to WF to figure this out. God, this bank totally is garbage. Furthermore, they require a code to be used that is text’d (no e-mails) to your US phone only in order to do transfers in/out. I am military stationed overseas so I don’t have a US phone and they said sorry you can’t initiate transfers then from WF but suggested I do pulls/pushes from another account. Can you believe these guys? I can’t wait to get the $250 bonus and slam this account closed the account the same day… anti-military bank. Sad!

      • Gary says:

        Just a thought…
        Would it be possible for you to use a Google voice phone number?
        You could receive both texts and calls to that number, for free, even abroad.
        I’d imagine that having the ability to make free calls back to the US would be pretty useful in general, in your situation.

  147. M says:

    “I currently have a checking and savings account with Wells Fargo. If I move my funds from my checking to savings, and then close my checking account, could I then at a later date open a new checking account with Wells Fargo to receive this bonus?”

    This (or similar) has been asked multiple times throughout the comments.

    Anyone got any data points themselves or read sth about it on the web?

    • Nikole says:

      It’s worth a try. I closed my accounts with them today and I am going to reopen them on the 10th of February.

      I did speak to a banker about opening a new account and he relayed that as long as you close your account and reopen it in the future, it will be considered a new account. Not sure if it is accurate; however, I thought I would share the info.

  148. Vince says:

    Just received my $250 bonus.

    Signed up for account like 2 weeks ago. Made the 10 transactions via $0.50 Amazon gift cards on 1/26.

    Received bonus this morning 1/31.

    In Los Angeles county if that helps.

  149. Matt says:

    So the Wells Fargo bonus application page errors out if I use my ZIP code in Oklahoma where they don’t have bank branches, but if I change it to Kansas it will load for me, as others have noted. Has anyone who entered a different ZIP code than their own confirmed receiving the bonus yet?

    • Martins says:

      That’s what I have asked and would like to know. Also is there confirmation if this is a hard or soft pull? Ok thought people were uncertain. Thanks.

  150. Iris says:

    Any DP of bonus received through BP not purchases of Amazon reload?

  151. Schmekel says:

    Applied 1-24, received final approval today via 4 different emails from them.
    Thank you DoC, using your links for all you mention on the site including this account.

    CSR account shows a pending charge dated today 1-31 “WFB OPENING DEPOSIT-US”.
    That sounds like something I would normally assume to be a cash advance but so far it seems all who’ve used CSR for a $25 opening deposit have had it charged as a purchase, hopefull this will also.

    4 emails from them but I see no account number. They’re mailing me a debit card.

    Also no mention of the bonus on the 4 emails they’ve sent me today. I know it was definitely on the account, was confirmed by a cs rep when I called to check on the status during the last week.

  152. Schmekel says:

    With hindsight – the $25 opening deposit on my CSR is less than 1% of the total spend I need to put on my new CSR card.
    I saw many using it and did the same, but now wonder why.
    If I’d had them pull it from a checking account, I wouldn’t be taking the chance of being hit with a CA fee.
    For such a small amount, not worth taking the chance.

    • Schmekel says:

      The $25 was charged as a purchase.

      Receiving my debit card within a week – will report if any mention of the bonus.

  153. Nikole says:

    DP for debit card transactions:

    You are able to use Square cash or Venmo to satisfy the requirement.

  154. David says:

    I applied today and received a “conditional approval” as some others have. I used a credit card to fund the account. My wife also applied today using a bank account to fund the account and her application was approved immediately and she was given an account number. I believe some others have had experiences along these lines, so I would suggest funding this with a bank account to avoid additional processing time.

  155. Ryan says:

    The application very clearly states that it is a targeted offer with the below phrase added to the previous mentioned phrase by William:

    “available to those who received our direct mail or e-mail offer”

    Its in bold right in the middle of the page so I’m not sure how you could miss it. This must be an update to the language from before. Has anyone gotten an email confirmation that applied recently that says the offer was applied to their application?

    • AndyK says:

      Ryan, obviously that phrase is brand new, only added to the application form today or possibly yesterday so nobody missed it … you think all the smart people here on this blog that know how to cash in can’t read? LOL

    • That language is brand new.

    • Ann says:

      I applied around 2:30pm Eastern on Jan 30, and my conditional approval email included the “Account opening bonus disclosure” section containing the original terms of the $250 offer.

  156. Wes says:

    This just sounds like a cluster, I think I’ll try PNC next.

  157. AJ says:

    I am afraid the WF honeymoon is over ?

    Site now says:

    “To open a different eligible account at your nearest Wells Fargo branch, please bring your personalized offer code found on the letter or e-mail you received.”

  158. AJ says:

    This is an exclusive, nontransferable offer, available to those who received our direct mail or e-mail offer.

  159. Nick says:

    Do we have any data points for Capital One 360 ACH pushes qualifying as a DD for the bonus?

    Thanks

  160. Schmekel says:

    Kicking myself.
    I always take screen shots and did not take a shot of the offer as it was when I applied without the new “targeted offer” boldface type.

    Did anyone get a screenshot of the original before this wording was added?

    I haven’t received my debit card/welcome packet yet.
    For people who did – does the welcome packet state that you are eligible for the bonus?

  161. Schmekel says:

    Found a pdf of the original offer.

    Wells Fargo really isn’t in a position to mess with customers these days and start another scandal.

    But if it comes down to arguing with them over the bonus due to their changing the language, there’s a record now which I’ll keep of the original wording (the lady with the coffee cup looking out the window ad page).

  162. Pablo says:

    Hey Guys…

    Anyone know what’s up with Amazon’s payment options? After adding my Wells Fargo debit card to the list, I followed the instructions on how to Opt Out of PIN-less Debit
    https://www.amazon.com/gp/help/customer/display.html?nodeId=201132810

    and I do not see the check box “Processed as a debit card” anywhere at all. This is quite strange because I know I’ve done this many times before on different cards but I’m not sure why I’m not seeing it for this debit card? Did Amazon move anything around recently? Someone said that they did not know about this “Processed as a debit card” option and they still got the bonus for their Wells Fargo account though it was $100 with a previous sign up bonus

    • P says:

      I do not see this box as well to uncheck it.

      Would this still code as it’s supposed to be and satisfy the requirement?

  163. RAB says:

    Anyone opened the account after the language changed and still got the $250 confirmation? Please let us know

    • justdoit says:

      I know someone who applied after the change and so far got the same result as those who applied before and the last page of the online application process states the bonus code has been tied to the application. Now it’s the wait and see game. My guess is WF won’t deny paying bonuses. Seems worth a shot at least.

  164. John says:

    Hi Everybody,
    Just a DP here. I applied 1/23 with an opening deposit by CC, Jet Blue, coded as a purchase, made 11 debit card transactions as soon as I got the ATM/debit card, checked my account yesterday and saw the $250 Promotion Bonus in my account. Going to keep it open to see if any of the Wells Fargo CCs have any decent sign up bonuses. This is my first bonus of 2017, had north of $ 1500 in “interest” from my 2016 checking accounts! Love DoC!!

  165. John says:

    Oh…forgot to mention, was NOT targeted by Email or regular mail offer.

  166. Devin says:

    I just stopped by a Wells Fargo to speak with a banker and see if I could get the bonus (I did not receive an offer letter/e-mail). The banker told me she could call in and get an offer code created for me and open up an account that would qualify for the bonus. However, after digging some more, she found that you apparently cannot have had another account open with them within the last 90 days. I closed my previous WF checking account on 12/15 so that put me out of the running.

    But for all of you that have not had a WF account recently and can take 30 minutes out of your day to stop by a bank, I’d give it a shot.

    • justdoit says:

      Interesting. Are you sure she’s correct about the 90 days and wasn’t BSing you? First I’ve heard of it. Wonder why it’s not in the offer wording. Knowing that reps at many companies sometimes give out incorrect info or lie, I try to do everything online and avoid talking to reps and going to branches. Plus it sounds like WF has been trying to limit and discourage this bonus after getting flooded with applications. So I wouldn’t trust the 90 days without more confirmation, preferably in writing. You might try applying online if you haven’t already and see what happens. If the app says go to a branch you could try a different one. Either the account will open or not and you’ll get the bonus or not and if not you can simply close. About the only thing keeping me from closing my old account today is I may need to do a few transfers with it.

      • Devin says:

        The main point I was trying to convey was that if you stopped by the bank, you could get an offer code generated for you. But apparently they can’t generate an offer code for you if you’ve recently (within 90 days) closed an account. Her conversation with someone in corporate was occurring in front of me, so it seemed legit. The dude on the other end of the line actively tried to generate me an offer code but wasn’t able to because of my recent account closure. Who knows…

        Point being, if you haven’t received an offer code, stop by a bank and get one to open an account. I think if I would have jumped on this offer a week ago before the more restrictive “offer code” language was added I would have been fine.

        • justdoit says:

          Thanks for the heads up. Example of someone being told different by another employee:

          http://www.doctorofcredit.com/targeted-wells-fargo-250-checking-bonus-available-online-direct-deposit-not-required/#comment-336904

          Some people have mentioned a code but the online app doesn’t have a place to enter a code. If there’s a code apparently it’s not really needed, at least if you apply online. I’m also going by what the promo states:

          “Important things to know about the $250 offer:

          Eligibility:

          All consumer checking accounts, including non-interest-earning checking accounts (except Teen CheckingSM) are eligible for the bonus of $250. The prepaid Wells Fargo EasyPay® Card is not eligible.

          You cannot be:

          A current owner on a Wells Fargo consumer checking account
          A Wells Fargo team member
          A recipient of a consumer checking bonus in the past 12 months (limit 1 bonus per customer)”

          A clue is “current owner.” How are you a current account owner after you close an account? WF is advertising one thing and sometimes doing another. Shady. If you call or apply online I guess you might get a different result or you could wait for the next promo but it might not be as good.

        • Ryan says:

          I just confirmed what Devin said by going to my local Wells Fargo branch myself. I told them I heard about a promo where you get $250 for a new checking account. The man asked if I ever had opened an account with Wells Fargo and I said no. He also asked if I received anything in the mail and I told him no. He then went and talked to a lady behind one of the desks and she set everything up for me. It took forward and she asked way to many questions, but she told me I should get the promo. It looks like if you have never had an account with Wells Fargo then they will give it to you even if you didn’t get the offer sent to you.

  167. justdoit says:

    I know it’s getting late in this promo but I have an old WF account I want to close soon. Any reason not to close an account then apply for a new one at the same bank 1-2 weeks later? Anyone tried this at WF or another bank? Does it create a red flag at banks or ChexSystems? I’m not yet concerned about the new language in the offer. If they don’t pay the bonus I’ll simply leave.

  168. AndyK says:

    Data Point – Fidelity Brokerage ACH (what they call “Moneyline”) counts as DD. Got an alert e-mail from WF today for the $25 acccount opening deposit that I ACH pushed in (as chronicled above) from Fidelity that this $25 is a direct deposit. Darn, wish I had known that before. I sent the $500 to my Schwab brokerage that I am going to use as the bonus trigger push from Schwab, now it seems that I could have just pushed it from Fidelity instead and avoided this extra step. But there was no data point (until now) that said that Fidelity works… well here you go… it does 😉 And also, I guess it’s good to have some activity on that Schwab account (opened it with that $100 bonus last year)

    • justdoit says:

      This promo has wording that seems to discourage or exclude online transfers for the bonus so let us know if the Schwab transfer actually triggers payout.

      “A qualifying Direct Deposit is your salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.”

  169. Jason says:

    Opened 1-20-16
    D/D from Fidelity Transfer 1-31-17
    Bonus received 2-2-17
    ACH Out 2-3-17
    will close next week
    Smooth Sailing

  170. Alan says:

    After opening an account, I received the welcome email on the 15th, they said I get everything in 5-8 days but I haven’t received anything. Anyone in similar situation?

    • justdoit says:

      Lately it’s been taking longer because WF is backlogged and some are having to call to get their debit cards mailed.

  171. john smith says:

    dont hold your breath opening this account, offer says you will get docs within 3 business days, doesnt happen, even after i called, its been 11 days and nothing, no email, no docs, i think its another wells fargo scam

  172. Logan says:

    Signed up on a long shot, Got $250 bonus pending even though I had received a Wells Fargo $100 bonus within the last 6-8 months. Might be because its a separate link, either way I am beyond happy.

  173. Radster says:

    Applied 1/26 without any apparent ‘issues’. Just now received this email:

    “Thank you for your recent online application for a new Wells Fargo deposit account…. At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account.”

    Looks like no bonus for me.

    • Joe says:

      Same problem with me. Applied 1/31, called a few days ago and they said they had a lot of applications processing. Got the decline email today.

    • Steven says:

      I got the same email on 2/7. I immediately reapplied on 2/8, and got the welcome emails today. Both tries, I used my CSR to fund the account for the max $50. I would try again before the deadline.

  174. Gadget says:

    01/26: Submitted application. (not targeted)
    02/6: Approved. Recv 3 different e-mails, one of which said I need to call or go to branch to fund. Called, and waited on hold today for just over an hour. After successfully answering verification questions, we were able to setup online access using my username from last year’s account. From there, I could see funding was in progress thru original application CC, and shows as pending at Chase. (for those wanting their account number, you can view it from your website login or on the mobile app)

  175. John says:

    Is there an age restriction on applying for this account?

  176. Nate S says:

    01/26: submitted application not targeted and finally today (2/7) received welcoming emails today.

  177. K F says:

    Not targeted. Applied. Used the bank in person (depositing WM/MG MOs), and went in branch to sign signature card. Made ten debit card transactions (3 normal food purchases of various <$10 and 7 $1 MetroCard purchases) (mostly) yesterday 7FEB2016, some are still pending as I did them as CC…bonus arrived today 8FEB2016. Wow.

  178. Anthony says:

    May be a DP: I applied for myself first and got the bonus 1/25. Then applied, that night, for 2 parents (living in my house) and my brother/wife (living in a separate house). So far, my brother got approved (he applied first) and everyone else got denied. I’ve yet to call, but it looks like they denied the others because of same household. Calling has been a nightmare since they either take too long to answer or transfer me to “online applications team” and they’re closed or the call drops.

  179. Sunnyboy says:

    I went to the branch in NJ and they said it is targeted and I need to give them a coupon that is either mailed or emailed to me. I called wells fargo and they said they are unable to offer me this promotion.

  180. MikeyBee says:

    Patience is a virtue: I was debating whether to call Wells Fargo to ask why no “welcome packet” yet, when a flurry of messages appeared in my email. Apparently there will be no snail-mailed welcome packet. Now I’m just waiting for the debit card. Wells may go far, but they don’t go fast.

  181. Simon Harwood says:

    Applied 1.19
    Deposited via another bank debit card $25
    Card mailed 1.31
    Made 10 x $2.50 Amazon gift card purchases 2.3
    Bonus pending 2.8

  182. AndyK says:

    These WF morons finally deducted the $25 initial deposit from my other account today three weeks after I applied and a day after I moved in the bonus triggering $500. I had called two weeks ago and they said that the $25 intial deposit request when I opened the account should have been done already and that the request must have gotten lost so I need to transfer it in again. Which I did… luckily I had another $25 still in the other account otherwise it would have “bounced”. Anyways, just waiting on the bonus so can close close close. These guys are so bad

  183. Steve says:

    I finally got the first account/ weclome emailed today. The prelim says I would receive in 3 business days. I tried to find my last comment to retract as it was just a matter of waiting a couple weeks. Lets see if my wifes goes through also after the 1st.

  184. Louis says:

    Ok, I live in MA, type in my Boston/Cambridge zip code, and it gave me the following message.
    “We’re Sorry. We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.”
    I tried different zip code, got to the application, applied and instantly approved with the following message:
    “Your application has been approved, and your new account is eligible to receive a bonus offer.”
    I am pretty confident that I will receive the offer but will see.

  185. james snider says:

    Applied on 1/26 . Not targeted(used link on DOC ) . Was conditionally aproved. recieved approval email today 2/8

  186. Nick says:

    As a show of respect to Doctor of Credit I won’t close my account immediately so that the good offers will continue to be extended. I don’t want to spoil it for others. But this has been the most unprofessional banking experience ever. Horrible customer service. One manager on the phone interrupted and talked over me while I was asking questions. He then refused to give me his name or employee number when I wanted to give feedback to a supervisor. He also refused to connect me to anyone else. And, to be 100% honest there’s another reason I’m leaving the account open: the initial ACH opening deposit cleared my other bank days ago. Wells lost it and doesn’t even have a record of it as a pending deposit even though they initiated the transfer! If they repeat the promo next year, please feel free to get my $250. But you have been warned.

    • John says:

      I think it you wait 2 or 3 more days the initial deposit will show on your WF account. That’s what happened to me as well.

  187. Ben says:

    I agree, I’ve learned I do NOT want to make WFC my primary bank.

    Another example: When I opened the account I deposited a $1,000 check from my other bank via the WFC mobile app, and it went Pending as expected. I get a letter a few days later that says “your recent deposit is unavailable because WE DO NOT THINK IT WILL BE PAID” [emphasis mine].

    I know check deposits almost always go to pending, but how obnoxious can you possibly make your customer communications?

  188. Darv says:

    I don’t know if there will be time for me but I have a hunch this offer is immediately churnable. I bet if you closed your account by now and apply for another one before this offer expires, it will work.

  189. henry says:

    Anyone apply after 1/31? DOC, do you know if can still apply?

  190. MontyFC says:

    My wife and I applied in early Jan and received the bonus within 1 week of completing the requirements (10 debit card transactions). We plan to keep the accounts open for another 3-4 months based upon DOC’s post.

    My mother applied today and the email said “Your application has been conditionally approved subject to verification of the information youve provided. Your new account will be eligible to receive a bonus offer. For more details, see the Bonus Offer Disclosure and Additional Requirements.” This is the same email that my wife and I had received.

    I will update if the account gets approved and the bonus is posted. All applications are from CA.

  191. DT says:

    Received the bonus. Here’s the timeline:
    1/23 – Applied
    2/01 – Received welcome emails
    2/02 – Called to get online access
    2/08 – direct deposit from Ally completed
    2/10 – bonus posted

  192. Anthony says:

    I opened the account on 1/31. I still haven’t received any correspondence. I called today and they said they are backed up with accounts needing to be opened, so there is a delay. All I have is my reference number. They said there is a profile associated with my account but no account opened yet. Has anyone experienced this? Will this affect receiving the bonus?

    • Nikole says:

      I applied on the 2/2 and have yet to receive additional correspondence from them as well. The only course of action to take is wait for them to process the applications in the order received. I don’t believe it will you affect the bonus as you applied for the account prior to the end date.

    • Lizzy says:

      Yea they helped me access my existing online profile (from a mortgage account). I didn’t recall my old username, so they verified my identity with public database questions, then gave me a temp login/pass over the phone.

      The checking doesn’t appear until the account approval’s done, but at least you have your login 🙂 And no, this shouldn’t impede progress or the bonus…

    • Brian K says:

      I applied on 1/10 (approved instantly). Funded on 1/18 and just received my debit card and pin this past week (3-4 weeks later). They definitely seem to be backed up.

  193. Jim says:

    For folks waiting more than ~3-5 days, I’d recommend calling the new online applications phone # 866 370-2264 and just checking to make sure your application is complete and something hasn’t been denied (CC funding, in particular).

    Per AC above, my application initially failed by CC funding, so I re-applied on Jan 20 with ACH funding. If I waited for them to tell me it failed, I would’ve just blindly waited for at least another week or two before discovering the decline. Basically they don’t notify you until the final review, which could be 2 weeks from application date, then then snail mail you a note about it being declined, delivered several days later. Altogether wasting ~2 weeks of blind waiting. Calling in expedites things significantly, but be prepared for a 30-60 minute wait on hold.

    In my case, because I called 4 days after applying on Jan 16, they pulled my file from the FIFO queue to review it manually and told me on the phone it looked like the CC was declined.

    With this Jan 20 re-apply, I finally got it opened Feb 1. Called in to setup online access. The initial $50 funding pulled from my outside checking acct Feb 3. Setup ACH from Ally, $500 push came in Feb 6 and bonus on Feb 8.

    Applied with a family member on Jan 31. We called in about 5 days later with the same process, told everything looks complete, just waiting for final review. Waited few days and got the slew of emails on Feb 10 notifying of opening/approval. Called in to set up online access, and initiated linking Cap360 for that $500 push. Still no funding deposit being pulled yet.

  194. Darv says:

    Did anyone receive a 1099 from Wells Fargo for 2016 bank opening bonuses? I got paid $100 in January 2016 but have not received a 1099 from them. Sometimes banks don’t issue them if they classify it as other income, not interest. Thank you!

    • Larry says:

      I haven’t either. Have received a 1099 for another Wells Fargo account that I have with them that earned interest but not for the $100 bonus received last year. Hope you’re right on their classifying it other than interest.

      • Darv says:

        I will give them a call next week to check if they issued one. I’ll report back.

        By chance anybody know if Seacoast issued 1099s? I got a check from them, did not do anything for the bonus, part of that situation.

        • Larry says:

          I also contacted them and was told that since I didn’t receive any interest in my checking account, I wouldn’t be receiving a 1099INT for 2016.

          Sounds like they don’t consider the bonus as interest!

  195. cf says:

    I was never sent a signature thing. And my debit card arrived over two weeks after I applied. WF really needs to get its act together

  196. Ed says:

    The time for this entire process for me (initial online application to bonus posting) was a little less than 3 weeks. Two points (though it all worked out for me anyway): 1) If I were doing it again I would NOT do all 10 small debits in a row in terms of time sequence or location. Too obvious. 2) I plan to keep the account open indefinitely. If I can talk them into a small batch of free checks the timeframe will be much longer. My assumption is that the identical offer will not be available in 12 months, and even if it is the requirements will be more stringent. So, for me, Wells is a very generous one and done. Good luck. And thanks DoC.

  197. Sam says:

    Applied 1/26
    Approved 2/06 called to open online acc
    Made 10 amazon reload 2/07
    2/13 bonus pending today!

  198. Klad says:

    I was not targeted and applied after the terms on their website changed. I am resident alien so could not open account online for some reason, so visited the branch. They told me the offer is targeted and if you did not receive the email you are not qualified. But the banker generated a code for me with requirement of $500+ DD in addition to 10 debit purchase. Got the temp card right away.

    Opened Account – 02/06
    Debit Purchases – 02/07 (4 in Kroger and another 6 in Amazon)
    Direct Deposit – 02/09 (500 transfer from Chase posted as DD)
    Bonus Received – 02/13

    I did not even received my actual Debit card yet. Easy and sweet money 🙂

  199. ray says:

    Got denied online twice, since mid-January. Badgered a local banker into getting me a code. ACH from TD Ameritrade and PNC (because the What counts as DD page says so, even though the linked post doesn’t). Bonus is now pending 4 days after TDA and 3 days after PNC (which is coded as P2P, so I believe PNC doesn’t count as DD)

  200. mike25 says:

    Opened account online about three weeks ago. Instantly approved but the initial deposit never went through. Had to call twice. First to get online access, after getting that sorted out I did a manual ACH to fund the account. Called about a week later to request a debit card, got it about 10 days ago. Fulfilled the purchase requirements last Friday, bonus is pending as of this Monday. Overall, it was not a seamless experience but it is worth it.

    • AndyK says:

      Don’t worry mike25, they will deduct the initial deposit when you least expect it. That is what happened to me as I wrote above and thankfully I still had an extra $25 sitting in that checking account which is rare for me. On a side note, got the $250 bonus today 😉

  201. Ralph says:

    Anyone out there who has already received the $250 bonus that also got the previous $100 bonus less than a year ago?

    I know some of you have applied to see what would happen but no follow up from anyone who has actually received the $250.

  202. J.L. says:

    Me and my wife both opened the account. She completed hers with 10 min. purchase. I completed mine with DD. Both of us got the bonus a couple days after completion. I’m loving Wells Fargo how responsive they are, and the website interface. I’m keeping the account with Wells Fargo.

    Oh, and we were not targeted. I learned of this from here! Thanks DoC!

  203. Janet Rice says:

    Does a swiped purchase with this debit card, choosing the credit option, count toward the 10 transactions? I had not received my PIN yet, so just hit Enter on my first purchase. Before I attempt any more transactions, just want to clarify. Thank you.

  204. jf says:

    is this still available? can u open it now?

  205. JR says:

    Applied 2/4, immediately received conditional approval. Still no updates or correspondence or welcome packet from WF 10 days later.

  206. justdoit says:

    Someone I know applied online 2/1 and got the welcome emails 2/13.

  207. Cole says:

    Wife and i are both getting the bonus. we applied around january 22nd.. but it took them a while to open the accounts.

    we both ACH’ed 1500 from BECU to wells fargo… and it looks like it counted as a DD even though it has P2P in the title. that wasn’t the intent.. was just putting money there so i wouldn’t have to do transactions every month.. and was about to do my 10 amazon transactions, but the bonus is pending anyways.. i might do a few transactions just to create some activity.

  208. crystal says:

    anyone who opened after the language change got the bonus?

  209. RB says:

    Is the promo code 250CXS or 250cxs. Or does it even matter whether is it capital or small letters. Could anyone please give some insight.

  210. Stingerzing says:

    DP:
    Not targeted
    Applied: 1/25
    Received debit card: 2/9, used 10 debit transactions via amazon reloads
    Bonus pending: 2/15

  211. XP1 says:

    PROTIP:

    If you fund by card, your application will likely be “conditionally approved” and remain pending for days and weeks.

    If you fund by electronic bank transfer, you will likely be instantly approved. You will receive the account number on the final webpage.

    It is better to fund using bank account to open the account faster by auto approval.

    • Laura says:

      Not quite. I helped 2 other people get there accounts opened. One funded via CC, on via electronic bank transfer. Both were “conditionally approved”. Both were eventually opened taking about 2 weeks.

      • XP1 says:

        3 apps CC = conditionally approved
        2 apps EFT = instantly approved

        I said that it was likely.

        If CC can only be conditionally approved but EFT can be either conditionally or instantly approved, why not take the chance for instant approval?

  212. Nate says:

    Thought I’d give it a shot before the deadline. I just used the link here – I was not targeted.

    Looks like I go the standard conditional approval:
    “Status: Your application has been conditionally approved subject to verification of the information you have provided. Offer status: Your bonus offer code has been linked to this application.”

    Also this in the confirmation email:
    “Status: Your application has been conditionally approved subject to verification of the information youve provided. YOUR ACCOUNT WILL BE ELIGIBLE TO RECEIVE A BONUS OFFER. For more details, see the Bonus Offer Disclosure and Additional Requirements.” (emphasis added)

  213. Olly says:

    Another DP:

    Not targeted
    Applied 1/22 “Conditionally Approved”
    Account Opened 2/1
    ACH Push from Fidelity 2/14
    Bonus pending 2/16

  214. Patrick says:

    I applied January 26 and funded $50 with my Chase Freedom Unlimited. It took them a couple weeks to open the account and send me my debit card, which arrived this past weekend. I then linked it to my Amex Bluebird account and did 10 debit reloads of one dollar each. Those posted yesterday, and the bonus showed up as pending today. Now I just have to load the remaining balance to my Bluebird so I can ACH the whole amount back to my main bank account at once and close out the Wells Fargo account. Super easy bonus.

    • sam says:

      hard to keep it for few months? in long term it won’t benefit US ALL!!!!!

      • Patrick says:

        I suppose I could keep $10 in for a month and close it in March. I read the discussion on that and it seems nobody has any clue what the minimum time to keep it open would be in order not to raise attention. Since it’s all speculation anyway, doesn’t seem like it would make much difference.

  215. Grant says:

    My data points:

    2/7 – Account opened – $50 opening deposit
    2/13 – 5 Amazon reloads with Wells Fargo debit card
    2/14 – 5 Amazon reloads with Wells Fargo debit card
    2/16 – $250 bonus pending/posted

  216. Gene says:

    anyone know if the maintenance fees are waived for the first 2 billing cycles?
    or do the 10 debit transaction /month have to be completed immediately?
    thanks!

  217. Schmekel says:

    Not targeted.

    Applied 1-20.

    Took a few weeks to get approved, about 4 or 5 more days for debit card.
    In all of the welcome kit/introductory materials I was sent, not a word about the bonus.

    2-15 – $500 ACH from Chase Checking hit the Wells Fargo account.
    No mention of bonus.

    2-17 – $250 bonus in WF account.

    Thanks DoC. No longer a virgin.

  218. grey says:

    Datapoint: I was NOT targeted.

    I signed up at the end of Jan with a $500 transfer . Took a while to get setup. Had to call customer service to get my online access working.

    Finally got my debit card yesterday, 2/16.

    Made three debit card purchases (three $1 Amazon gift cards). Already got the $250 bonus pending today 2/17, even though I still have to make seven more purchases debit card purchases.

    However, I recently transferred via ACH an additional $1010 to keep my balance over the $1500 minimum to avoid fees. Maybe that counted as a direct deposit and triggered the bonus.

    I downloaded their app and have signed up for the Wells Fargo Mobile Wallet $10 promotion as well. Hopefully that goes well.

    Anyone have luck closing the account immediately without losing the bonus or getting charged a fee?

  219. MikeyBee says:

    Pony Express comes through: Opened and funded my account and wife’s online with Visa Jan 27, $50 in each. Not targeted. Used WF debit cards to each buy (reload) 10 Amazon gift cards Feb 15. Staggered amounts, 50 cents up to $5.00, total $27.50 each, just to be safe. $250 bonus popped into each of our accounts this morning. Three weeks start to finish. Plus we have $55 in Amazon credits. Oo Ha!! Thanks, DoC!

  220. Aaron says:

    Wifey signed up for the WF account in early February, she was not targeted. I would have too, but I did their last bonus around late Spring/early summer…

    Her opening deposit according to the online statement was on 2/6. We got the debit card on the 10th or 11th, but didn’t get the pin until the 13th or 14th to set up her online access. We did 10x $0.50 Amazon Gift card reloads on 2/14, which posted by 2/15. The $250 bonus posted today, dang that was fast 😀

  221. PC says:

    Just open the account online for my daughter, instant approved! Received email within minutes about the bonus attached and other info. Much quicker when I last opened my own account last month.
    Thank you Doc. Always!

  222. Jake N says:

    Applied (again) for my gf, not targeted, will report back in a week probably once it processes.

    • Jake N says:

      Follow-up:
      2/17 – received application confirmation with bonus language tied to account.
      2/24 – received email “At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account.” Going to try calling in to see if we can avoid a branch visit.

      • Jake N says:

        Follow-up:
        3/1 – she was able to call and get the account opened over the phone after some hassling with the promotion applied

  223. RB says:

    Based on a comment from SD, looks like this promotion has been extended till March 3rd, 2017.

    Below were the comments from that user.

    Opened in branch today with nothing other than verbal offer code 250CXS. My wife and myself both opened accounts without issue. As an added bonus for avid travel hackers, we were able to fund the accounts with money orders made payable to ourselves.

    On the flyer they printed out (nothing we brought) that shows the T&C of the bonus, it shows the following:
    “Offer available at all Wells Fargo locations, online at wellsfargo.com/welcome250, or by phone at 1800-932-6736.”
    “Open a new, eligible consumer checking account with a minimum opening deposit of $25 by March 3, 2017. Within 60 days of opening, customer must make either 10 purchases/payments with Wells Fargo Debit Card or a qualifying direct deposit of $500 or more.”
    Sounds like this offer is extended for those who missed the first time.

    https://slickdeals.net/f/9650064-free-250-w-new-wells-fargo-checking-account?page=269#comments

    • sam says:

      lol – but they still using same language “This is an exclusive, nontransferable offer, available to those who received our direct mail offer.”
      what a clowns…. do they want customers or not?! but they keep opening accounts in branch with no issues – if people were targeted or not ) Does it depend on the state? I think so – some states in branches they open this account with no issues..?
      https://www.wellsfargo.com/jump/checking/hello-offer/

      • Ann says:

        I don’t think it’s the state that makes in-branch work or not work, just the cooperativeness and competence of the particular in-branch employee.

  224. Ed says:

    DP: In early Feb 2017 used Chase to ACH $1200 after $500 initial deposit. Received $250 bonus 3 days later.

  225. Lee says:

    Datapoint (DP):

    Not targeted, no one in our family has any prior relationships to wells fargo, no banking, no credit cards, no mortgage as far as I know. My mom and I applied on the same day, same time. I was instantly approved, she was conditionally approved. I had to call to get my debit card shipped as it wasn’t done automatically even though we both opted in for a debit card. The rep said she couldn’t see one on my account. My mom’s card shipped automatically, though, so IDK.

    1/27/17 My mom applied and got conditionally approved
    2/7/17 Received welcome email for online banking, account opening, etc
    2/14/17 Made 10x $0.50 Amazon reloads, some posted on the 14th, others on the 15th
    2/17/17 PROMOTION BONUS, ($250) pending
    2/18/17 Bonus posted (cleared)

    Once my bonus shows up, I’ll update this with the appropriate DP.

    • Lee says:

      1/27/17 I Applied and instantly approved online
      1/27/17 Received welcome email for online banking, account opening, etc
      2/16/17 Made 10x $0.50 Amazon reloads
      2/21/17 PROMOTION BONUS ($250), pending and posted

      Only thing worth noting is that though I remember doing an opening deposit of $50 from Capital One 360, it didn’t show up, nor were there any signs that I even made an opening deposit. My mom did fund $50 with Merrill+ though.

      So, if anything, the opening deposit may not a requirement.

  226. Jimmy Kang says:

    Bonus posted within 3 days of account opening. Not targeted.

    I closed out the account 1 week later and no fees or clawing back of bonus.

    Bank did tell me that the bonus did not count as interest so there would be no 1099 tax form. Anyone hear the same?

  227. Kevin says:

    URL isn’t working.

  228. Andrew says:

    I know it says no bonus in past 12 months in the T&Cs — I received the WF $100 bonus about 5 months ago.. what are the odds you guys think I would get the $250 anyway? I think I’m gonna go for it

    • Ralph says:

      I asked that same question on the 14th but never got a response back even though there were some who received the previous bonus and applied for this one. Don’t know if that means they never got the new bonus or they’re no longer reading this thread.

      My last bonus was last March 10th so I’ll probably give this one a try also since I can time it to meet the requirements for this new bonus so that it will be over a year.

      Hopefully someone responds to your question.

    • Darv says:

      For the offer that expired 2/17, I would put your chances at 100%. I suspect the new offer is the same as the old one, but maybe they finally put something in it to prevent ineligible people. Worst case, they open the account for you, you do the basic requirements, and you don’t get the bonus. You’ll be out some time but can close the account without penalty. I’d go for it.

    • Jake says:

      I am also wondering about this. Since there’s no ETF, I’m just going to go for it and post my results

  229. P says:

    Wells Fargo asks me to set my location so I enter my zip code, then I click on Open an Everyday Checking account, and I get “We’re Sorry. We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.” Is this a Wells Fargo site error or is it because of my zip code?

    • P says:

      It’s my zip code. I changed it to a mainland zip code and didn’t get the error. Will see if it can process my application.

      • Colin says:

        What do you mean, “mainland zip code”? I just applied with my home zip code (New Orleans, LA), and I got the same “unable to process your request at this time” notification.

        • Ann says:

          There’s been multiple reports of zip codes in states where they don’t have branches not being allowed to start an application. But if you initially enter a zip code from an area where they do have branches, then you can enter your real zip code when you provide your full address during the application, and reportedly be allowed to open the account.

  230. P says:

    Got approved – I think.

    Status: Your application has been conditionally approved subject to verification of the information you have provided.
    Offer status: Your bonus offer code has been linked to this application.

  231. Blind Guy McSqueezy says:

    Applied: 2/3
    Credit funding processed: 2/14
    Ten $0.50 charges: 2/19

    Will update on if I get the money or not.

  232. MarcoPolo says:

    Anyone else receive a “signature needed for form w-9”?

    Beginning of letter says, “We want to let you know that because you receive interest income from your deposit account above, we need you to complete, sign, date and return the enclosed FORM W-9 to confirm your Tax Identification Number (TIN), as required by the Internal Revenue Service (IRS). We also need you to sign the enclosed Consumer Account Application.

    End says, “What you need to know: – We need these signatures to help with fraud detection and protect your account. If you continue using this account without sending us your signed and dated forms, you are agreeing that you will be responsible for all deposits, checks, or withdrawals made to or from this account by any person designated as an authorized signer and whose signature we do not have on file. – Based on your Account Agreement and IRS requirements, we will not be able to pay all interest accrued on your account, until we receive your completed, signed and dated Form W-9.

    I have received the bonus and pulled all the money out of account. Was about to close it until I received this letter. If I don’t send this letter in, do you think there will be a claw back of the bonus?

    • Patti says:

      Marco, I just opened 3 accounts (me, hubby, & son) and this same letter you were being asked to sign is in the snail mail packet. I almost overlooked it thinking it was a cc app. They do include a return address envelope.
      Other banks don’t ask for this. I wonder what happens if it’s not returned. They say they can’t pay all interest accrued on the account but I doubt it even earns anything; it’s a checking account. Pennies if anything.
      I looked again at the confirmation I printed at the end of completing the app online. It states this form will arrive in the mail and to please complete it.
      We don’t need any trouble with the IRS so I think I will just send it.
      As WC said, either way we have to declare it as income.

  233. Travelmom says:

    I was not targeted, received the bonus today.

    2/2 – applied, went to pending
    2/17 – 10 debits from Amazon
    2/21 – bonus posted

  234. Jak says:

    Could be an important DP for people whose application didn’t go through online or who are thinking to open it at the bank:

    1. Jan 19: Applied online. Immediate email said that it was ‘conditionally approved’ and bonus language was added.
    2. Jan 27: Email received: “At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account.” – AKA my application was denied. Called a few CSRs and the online application department. According to them, I must go to the branch if I received an emailing with such language and there was nothing they could do online to review my denial.
    3. Jan 28: Called a local personal banker. He said that he could only open an account at the branch if I was targeted and had my ‘CODE’. At this point I pretty much gave up.
    4. Feb 14: After reading a few DPs from people who were successful to open the account at branch, I continued calling the online application department (866-370-2264) and after a long waiting period, finally got to talk with a CSR who told me that the code was 250CXS and it’s a generic code for everyone.
    5. Feb 15: Went to my bank and opened account at the branch with that code and a 25$ cash deposit. Got a temporary debit card right away. On the same day made 4x amazon reloads with varied payments (0.50-0.55), and six grocery payments. Transactions were visible online next day (Feb 16)
    6. Feb 21: 250$ bonus pending. Finally it’s a success!

    Hope my DP would help some people, thank you very much DoC and the community for sharing.

    P.S. Since the deadline is extended till March 3 and it’s a different link now, I am not sure if the same code would apply and whether they had changed the code. So it’s still a somewhat YMMV situation. Sorry, I wish I could help more.

  235. John Ross says:

    I applied on 2/15 in branch with the code “250CXS”. Made 10 debit purchases with temp card on 2/15. Bonus posted on 2/21.

  236. Jeff G says:

    Just applied for myself and my wife – 2/20 and 2/21. Very curious to see how long they takesto get back to me.

  237. Curmudgeon says:

    1/26/17: Opened online
    2/16/17: 10 debits (Amazon $.50 gift card reloads)
    2/21/17: ACH transfer from PNC $500 (shows as P2P)
    2/21/17: Promotion Bonus $250 received

    I don’t think I was targeted as I received nothing in the mail, but I did have an old mortgage with Wells Fargo that I paid off / refinanced in 2015.

  238. Nikole says:

    Update for those of you who are current Wells Fargo customers and are interested in taking advantage of this bonus. The short answer is yes. You may close your account and reapply for a new one a few days after the previous one closed.

    1/31/17: Closed the account
    2/02/17: Applied for account and was conditionally approved
    2/15/17: Received welcome emails
    2/16/17: Completed Direct Deposit via Popmoney
    2/21/17: Received bonus

    As always, thank you Doctor of Credit for the wonderful blog post!

    • Fred says:

      You say you were a Wells Fargo customer, closed the account and opened this new account to get the bonus. Did you also receive a previous bonus on your previous account during the last year?

      Been trying to get this answered before applying myself.

      • Logan says:

        Fred, I can tell you from my experience that I had a Wells Fargo account as of June last year and got a $100 bonus, closed account and signed up for this one in January and received the $250 bonus no problem.

        • Eric says:

          When did you receive the $100 bonus?

          • Logan says:

            It was around May-June 2016. Don’t have exact date sorry. Closed account same time.

          • Eric says:

            Thanks for replying. I’ve asked several people that question and they all ignored me. The exact date is not important as I wanted to confirm that you received the bonuses less than a year apart.

            I closed my WF account recently so I may try this out myself before the deadline.

      • Nikole says:

        Yes. Opened previous account in May and received 100 bonus.

        • Fred says:

          Thanks to you and Logan for the information, guess I’ll give it a try like Eric plans on doing.

          • EO says:

            I can also confirm that I received the 250 bonus even though I received the 100 bonus last June. Both bonuses posted a day after I completed my 10th debit transaction, so you should know pretty soon whether it will work for you too.

    • Rohan says:

      Nikole, did they link up new account to your old online banking only? I could see both my closed account and new account under same userid.

  239. Alex says:

    I was not targeted. Went to the branch, they couldn’t open the account with the bonus over there. I suspect the guy didn’t know what he was doing. I opened the account online then. Opened on the 01/19, QA (DD) was on the 25th, bonus posted on the 27th. I’m planning to close it by the end of February, early March.

  240. Den says:

    DP. Not targeted. Opened online.
    2/10 DD
    2/17 Bonus posted

  241. Kaleb says:

    I am unable to apply using “direct link to offer” link, any other links or is now a branch only offer?

  242. JOhn says:

    Opened online 1/17, funded 2/16
    Made 10 Debit card transactions w/ PIN# Feb. 19-20

    Still waiting for the bonus to kick in.

  243. Ann says:

    Transfer from Chase >$500 cleared 2/21. Bonus now pending 2/23.

  244. Blind Guy McSqueezy says:

    Applied: 2/3

    Credit funding processed: 2/14

    Ten $0.50 charges: 2/19

    Bonus recieved: 2/21

  245. Dave P says:

    Has anyone received multiple debit cards? I first got a temporary debit card from a branch, and on Saturday, I received a permanent debit card with that same number in the mail. Yesterday, two more debit cards arrived, each with a different number. So I have three debit cards, each with a different number on them. The only good news is, the mailers all reference the same last four digits of the account number, so it doesn’t look like they opened me multiple accounts, just issued me multiple debit cards for some reason. Guess I get to call in and try to sort this out. Anything like this happen to anyone else?

    • Ann says:

      I’ve seen someone else say it happened to them. They called and were just told to pick any one of the permanent cards, activate that one, and cut up the others.

  246. hiima says:

    Got a DP for ya.
    Received previous year bonus 1/9/16
    Closed WF checking 2/3/17
    Applied for this bonus 2/6/17
    10 purchases posted 2/21/17
    Received bonus in Pending 2/23/17

  247. Jon says:

    DP

    I wasn’t targeted, pushed money in with 360 on 2/17, bonus posted 2/23. If only Santander moved this quickly. Thanks William

  248. Jon says:

    Edit from above, meant to say I did 10 amazon reloads on 2/17, bonus posted on 2/23

  249. Neeraj says:

    If we go to the branch and give them the code BTR250 do they ask for any email / voucher proof or giving code is enough ? Pls let me know.

  250. Robert says:

    In regards to the 10 debit card purchases, can I make 10x 0.50 cent purchases on amazon gift cards? is that enough to trigger the $250 bonus?

    Thanks

    • Saphira2021 says:

      Gift cards don’t come in denominations less than $1, but if you reload the balance on GC then you can do .50. just don’t do them all the same amount and all at the same time.

  251. Yoshi says:

    DP here.

    Opened 1/26 (think I had to wait around 2 weeks for the account to get up and running, first transaction I have showing is 2/13. Definitely had to call and figure out what was going on. I think my funding via ACH transfer was slow).
    Card arrived around 2/18.
    Completed debits on 2/20.
    Bonus posted on 2/23 (looks like bonus takes about 3 days to post for others too).

    For the record, I was not targeted, but I did apply before the language edit. Definitely the easiest bonus I’ve come across since finding this site last September.

  252. Chris H says:

    DP

    1/31: Applied online
    2/16: Opening deposit debited from other bank account
    2/17: Welcome email from Wells Fargo
    2/21: Deposit from Simple to Wells to get balance above $1500
    2/23: $250 Promotion bonus posted

    The deposit from my Simple checking counted as a DD. Haven’t even received the debit card yet.

    Great bonus and pretty easy to deal with Wells Fargo – thanks DOC.

    • P says:

      Is the simple checking account you mentioned the Santander Simply Right checking account?

      • Chris says:

        No it’s Simple Bank. I generally use it as my main checking account since it allows for unlimited connected accounts and the app is very user-friendly. Customer service is also very responsive if any issues arise.

        https://www.simple.com/

        • P says:

          Very nice. Thank you

        • Eric says:

          I didn’t notice any interest rate posted. Is it a 0% rate account?

          Have you found this works for direct deposit requirements at many banks?

          • Chris says:

            This was actually the first time I had transferred from it to fulfill requirements (because I wasn’t planning on doing a DD, opting for debit transactions instead). I usually push from my high-yield savings account (AMEX) which usually works. I can’t vouch for whether it fulfills DD requirements often–might’ve just gotten lucky with Wells Fargo.

            It is 0% interest but I’ve enjoyed my experience with them and they’re generally very easy to deal with, so I weigh that more than having a high-yield checking. They also never have bonuses, so it allows me to close other bank accounts and be eligible for bonuses after a certain period of time after closure.

            Hope that helps.

          • Ann says:

            Whether or not things count as direct deposits is about the receiving bank moreso than the sending bank. For example: Wells Fargo treats just about any incoming ACH as a direct deposit. Chase is much stricter (more accurate) about what they recognize as direct deposits.

  253. Derek says:

    I had to enter a different zip code than home address for application to pop up. After completing application, I got “Thank you for submitting your application”, along with a message saying that I had to sign and return and consumer account application, to have a application status email come back within 2-5 days. Anybody else get anything like this? William, I’ll keep you posted because I would imagine that I might be invalidated from the bonus based on the “targeted” language

  254. A says:

    DP

    2/16 – Applied online using the link in this post
    2/23 – Received e-mail from WF stating they were unable to complete my application and referring me to a local branch
    2/24 – Went into local branch and the banker would not open the account with bonus offer unless I had the targeted offer in the form of physical mailer or e-mail. Verbal communication of a code was not sufficient.

    Maybe I just got a grumpy banker?

  255. tinker25 says:

    almost done with app – after ID questions submitted, got a reply –

    We’re sorry, our system is temporarily unavailable

    Without an app ID, so I assume it is not completed. Anyone run into similar issues?

    • tinker25 says:

      Looks like it was processed, Got email with app ID, and – Your application has been conditionally approved… Your new account will be eligible to receive a bonus offer…

  256. Nav says:

    Hey guys,
    I just opened an account in branch, and the banker told me she will put the code BTR250 in, and I will get the bonus. But in the welcome emails there is no talk of bonus. Is that normal?

    • Jak says:

      I have also opened in branch, and there was no mention of bonus in any printed documents they gave me. I asked my banker immediately and she said that it’s how their documents come out. She verbally assured me that the bonus was added. I got bonus 5 days after completing 10 online transactions. Don’t worry, you will get your bonus.

  257. Jake N says:

    @Will / Chuck – first bullet under The Offer section should clarify that you need to complete EITHER of the requirements (DD / Debit) not ALL.

  258. Josh says:

    I just saw an update from credit karma that shows an inquiry from Wells Fargo, does that mean it was a hard pull and not a soft pull?

  259. Saphira2021 says:

    it looks like this bonus is NLA?

  260. Tom says:

    I received the bonus before the language change. Only took about a week. I Just applied today for my wife. 2-25. Entered our zip code and was able to apply. Received a reference code, conditional approval and says the bonus is attached to the application. We have a WF less than a half mile from the house. I bet they sent out offers in our zip code which made us eligible for the offer. We did not get a mailer. I will update when I get her bonus.

    • Ann says:

      I have more than one Wells Fargo branch in my zip code, but despite receiving tons of Chase offers (which I’m not even eligible for as an existing customer), haven’t seen a single piece of mail from Wells Fargo for years, until I got my debit card in the mail from this signup. They’re just still not actually enforcing the exclusivity (which according to what people have heard in-branch, is for specific people who were sent the offer, not just the zip code you live in) except when you go try to sign up in person at a branch.

      Even in January, entering a zip code too far from any WF branch in the initial step would prevent accessing the apply button; I’m pretty sure that’s not about this particular offer, it does that even if you go try to sign up through the homepage with no offer.