Posted by William Charles on March 22, 2017
Bank Account Bonuses

Published on March 22nd, 2017 | by William Charles

301

[Expired] Wells Fargo $250 Nationwide Checking Bonus

This bonus has expired, if anybody finds a working link then please let us know. You can find the best checking bonuses by clicking here.

Update: Reader BB successfully received the bonus after the below language was added and isn’t a retail store private label credit cardholder. Because of that I am reposting and adding it to our best bonus page again.

I hope all readers have signed up for this bonus already, we’ve given you ample opportunity and warnings. This new deal contains the following language:

This is an exclusive, nontransferable offer. This is only available to Wells Fargo retail store private label credit card customers who received our direct mail for this offer.

Previously it contained similar language (without reference to retail store private label credit card customers) and even those who weren’t targeted received the bonus. There is no guarantee this is the case this time. We will update the bonus once somebody who isn’t targeted gets the bonus (if that happens before the offer expires).Unlike previous offers the above language does appear in the welcome e-mails.

Offer at a glance

The Offer

Direct link to offer

  • Receive a sign up bonus of $250 when you open a new checking account with Wells Fago and within 60 days complete one of the following requirements:
    • Make 10 debit card purchases/payments.
    • Set up a qualifying Direct Deposit of $500 to your new checking account.

wells fargo $250 offer

The Fine Print

  • This is an exclusive, nontransferable offer. This is only available to Wells Fargo retail store private label credit card customers who received our direct mail for this offer.
  • Open a new, eligible consumer checking account with a minimum opening deposit of $25 (not including the bonus) by April 1, 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. Transactions at an ATM do not count as a debit card purchase/payment.
    • 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 branch or ATM do not qualify as a Direct Deposit.
  • Offer available in all Wells Fargo branches or online at wellsfargo.com/bonus250.
  • Offer cannot be:
    • Paid without a valid W-9 and U.S. taxpayer ID
    • Combined with any other consumer deposit offer
    • Reproduced, purchased, sold, transferred, or traded
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

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.

Our Verdict

Update: We now recommend it again after a reader successfully got the bonus.

As I said before, I hope all readers have already signed up for this bonus previously. I suspect you’ll get the bonus even if you’re not a retail store customer, but there is still significant risk involved and you should be aware that you’ll have no recourse if Wells Fargo doesn’t give you the $250 bonus. If I hadn’t already done this bonus, I’d probably just wait for datapoints to roll in. Because of that I don’t consider it one of the best checking account bonuses.

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

Useful posts regarding bank bonuses:



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301 Comments on "[Expired] Wells Fargo $250 Nationwide Checking Bonus"

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Jeremiah P
Jeremiah P

Does it apply to new applicants before the language change? I got the account but got a few more swipes to go.

Abhishek
Abhishek

I opened the account earlier and bonus got triggered by 500 deposit from 360 … Don’t even have to make 10 debit card transactions.. now I will transfer two more 500 coming two months and then maintain 1500 for waiving monthly fees

JF
JF

This was, hands down, the easiest bonus I’ve ever gotten on a bank account. I did the 10 amazon gift card reloads spread throughout 3 days, and once I hit the requirements, the bonus was deposited two business days after.

John
John

Good thing I opened the account last week. I have 6 more swipes to go. I called last week and the rep confirmed that the $250 bonus was applied to my account.

Durga
Durga

Thanks Doc!

last time missed it for SO, now opened it.

Durga
Durga

DP: got bonus with targeted link… but I am not targeted. thanks Doc! bonus was posted super fast for immediately next meeting 10 transactions. requirement.

JW
JW

I applied under the old language but met the bonus after making 10 Blue Bird deposits ranging from $1 – $2 which I did all at once in the span of five minutes and received the bonus three days later. I will warn though that I received a call from Wells Fargo’s fraud alert department the next day, simply said that the 10 weird transactions were indeed from me (had to verify some information) and they were fine with that. Easiest bonus I’ve ever done.

Ben
Ben

Boo, literally just sat down to open an account for this bonus

gman
gman

The $250 posted in no time Wells Fargo are real champs.

Curmudgeon
Curmudgeon

What private label credit cards does Wells Fargo have? I found a news article from 2014 saying they were going back the Dillards card, but is there a list anywhere to show all of their private label cards?

J T
J T

I cannot say how accurate this is, but Wallethub lists 23 store cards issued by Wells Fargo: https://wallethub.com/credit-cards/wells-fargo-13007950i/#ef=n&instnameftron=Y&iuid=13007950&p=3

Before finding this list I was only aware of Dillard’s and Kirkland’s, both of which have been mentioned here on DoC. I have the Dillard’s AmEx (not store card), and no targeted offer so far.

Curmudgeon
Curmudgeon

Wow – 28.99% interest rate on those store cards. That’s just crazy.

Ivan Y
Ivan Y

I had opened WF account under the previous offer but another member of my family missed out. She does have a Dillard’s card (issued by WF now) and has a just-closed Mattress Firm account.

What’s the worst the can happen if she opens an account but doesn’t get the bonus? Can she just close it and then re-open an account later if/when another bonus is available?

BB
BB

That’s my guess, it’s easy to close accounts via SM, that’s what I was waiting for when I missed out on the previous offer.

BB
BB

Just applied and instantly approved, funded with CSP. Targeted language was not in the approval email.

BB
BB

I take that back, this was: Customer must be an existing Wells Fargo retail store private label credit card customer.

encin
encin

did your instant approval also mention that the bonus was attached to your account?

BB
BB

Yes. Also, I do have a WF CC, just not private label.

Sam

Not directly related to the offer, but I did 10 quick transfers of Square Cash to a friend who then sent it right back and that triggered the $100 bonus they had awhile back very quickly.

Deepak
Deepak

DP
Looks like its only available for Citizens and Resident Aliens. Unlike before, they now have a Non-Resident Alien option on their application and as soon as I chose that, I got a message saying “Wells Fargo is unable to open accounts for Non-Resident Aliens at this moment of time” or something similar.

On a side note, thanks @Bill for all the hard work!

Durga
Durga

Deepak,

if you are more than 6 moths in US you can select Resident alien and after that it will ask for permanent resident align or Temp resident alien (if not Green card holder you can select Temp resident alien and provide your home country address) I did selected temp resident align my application went fine.

Deepak
Deepak

Durga,
Thank you so much. Appreciate your help!. I have been here since 2009 so I did apply. I only got the following pending message however.

“Once we verify your information for this account, we’ll email you the status of your application and send a follow-up letter by mail within 2 to 5 business days of our decision”

I got the same thing last time and it turned out to be a denial. Let’s see what happens this time. At least I applied, thanks to you. 🙂

Durga
Durga

wish you good luck 🙂 . I applied on 3/7 and was conditionally approved, couple of days later fully approved.

Deepak
Deepak

thanks!…and that’s great news!. cheers to more bonuses! 🙂

Div
Div

Deepak, Durga,

Thanks for the DP on Resident Alien. I got instant approval for the account.

@DoC: Thanks for the info on Wells Fargo.

Ravi
Ravi

Is anyone else getting we are sorry- unable to process request page? I keep getting this when i click on open account

John
John

Instantly approved. The welcome email has this sentence:
“Your application has been approved, and your new account is eligible to receive a bonus offer”.

I have the World Propel card and closed my previous checking account last week (got $100 bonus two years ago).

avichurn
avichurn

Missed applying for my wife last time. “This is an exclusive, nontransferable offer. This is only available to Wells Fargo retail store private label credit card customers who received our direct mail for this offer.” The targeted language seems to be everywhere in the process.

Stephen
Stephen

I apologize for a somewhat OT question, but I could not find the answer on my own.

How does one determine if a direct deposit satisfied a fee waiver requirement?

Thank you.

Eric
Eric

On the monthly statement, WF shows how much in direct deposits you had in the prior period and whether or not the fee was waived. If you’re in your first month the fee will be waived either way so you’ll know if your “direct deposit” will count in the future.

Dale
Dale

DP: Signup 3/8, Debit card transaction 3/14, Bonus posted 3/16 $250

Harry
Harry

Thanks..was it the new terms or old when you signed up on 3/8. Also did you have one of their retail CC?

Matt
Matt

Interesting DP. My $50 CC initial deposit was credited twice one week ago. I have $100 available in my account but only one $50 charge on my CC.

D Money
D Money

As a test dummy, I’ve just signed up for the Wells Fargo account again. I’ve previously received their $250 bonus back in January ’17.

My application was successful, however, I received an email stating an important bullet that I did not see in the fine print earlier which is how bonus eligibility is for anyone who has not received it in the last 12 months. Shi…..

Too late now. Will just do the 10 debit purchases and see if anything pops up.

Jake
Jake

Don’t forget to post your results!

MoneyD
MoneyD

Will do

Ann
Ann

The earlier-in-2017 versions of this offer said that too, but several people did get the bonus anyway despite having previously received on in June 2016 or later.

LC
LC

Did you get the $250 bonus?

MoneyD
MoneyD

Still waiting in debit card to setup online banking stuff

Money D
Money D

UPDATE:

Bonus posted today (3/30/17) even though I had opened a checking account back in January and received a bonus back then as well.

I am not a “private label” customer, or received any in-mail offers.

Go for it guys.

P
P

Do you still have the account from January open?

Mrdioji
Mrdioji

Do you have any Wells Fargo CCs?

MoneyD
MoneyD

Account from January is closed.

No wells Fargo cc’s

CuriousGeorgia
CuriousGeorgia

Was your Jan account closed before you started your 2nd application?

MoneyD
MoneyD

Yup

BB
BB

Applied 3/16
Debit transactions 3/17
Bonus posted 3/22

encin
encin

Just to confirm this is after the new targeted language “Wells Fargo retail store private label credit card customers” appeared? If so did you have a Wells Fargo private label cc?

BB
BB

Yes, no.

Jim Davis
Jim Davis

curious, how did you do debits 1 day later? don’t you need the debit card first?

BB
BB

Went to a branch and had them issue me a temporary debit card.

Dallas
Dallas

I applied 3/21 and received a confirmation email stating: “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.”
Unfortunately, I received another email today stating: “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.”
No other information besides that. I don’t have a retail store private label card, but I figured I’d try anyways.

Ven
Ven

How would I do WF ACH to my spouse’s chase account to trigger DD Bonus? I guess WF is allowing ACH to only to our own account in other banks. any thoughts?

Note: My WF to my Chase ACH worked to trigger the DD.

Ven
Ven

Sorry, wrong thread. please ignore.

Josh
Josh

Anybody have experience getting the bonus if you’re already a WF customer with a checking account? If the bonus doesn’t post within a couple weeks, is it a lost cause? Should I call and ask about it?

Ann
Ann

You have to close any existing WF checking accounts before reapplying for a bonus-eligible account to have a chance of it working.

LC
LC

do you know this from first hand experience trying both ways or is this speculation?

John
John

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.

* The Everyday Checking is the eligible account when opening online.

* 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)

*Customer must be an existing Wells Fargo retail store private label credit card customer.

PJ
PJ

Got the $100 bonus last September/October. Signed up this month for the $250 using the Platinum AA Citi card for an opening deposit. Got the $250, and the opening deposit showed as a purchase; however, my initial deposit was only $25 instead of $50.

mike
mike

i applied last month and received the bonus at the beginning of this month. Can i apply again and get the bonus?

M
M

If I got the bonus in February and closed it down then, am I eligible for the bonus again this round?

eclipsor
eclipsor

“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)”

Jake
Jake

People have reported getting more than one bonus in the past 12 months from Wells Fargo, so the answer is maybe

r m h
r m h

i got approved. did 10 transactions. got the $250.

now, i got an email from them, post facto of all of the above, saying i need to mail in a w9 taxpayer id thing? huh? i’m a u.s. citizen. and already gave my ssn!

any advice? i mean, i already got the $250! but could they take it back?

Richard
Richard

Drain the account to $0 and close it. Simple.

Superchurn
Superchurn

that’s a little weird and disconcerting

PeaceandPost
PeaceandPost

Anyone got the bonus if you were a joint signer on someone else’s WF checking account? Wife is still a joint signer on her mom’s account. I think technically it’s called the “Crown Classic” checking account rolled over from the Wachovia days and not the everyday checking account.

Ann
Ann

If she’s just an authorized signer, it’ll probably not be a problem. If she’s a co-owner, it probably will be a problem.

https://www.finemarkbank.com/authorized-signer-vs-joint-owner/

Ken
Ken

Is it over? Im getiing “We’re Sorry We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.”

Ken
Ken

Update

Seems like the product is not available for Hawaii residents. I opened the page in incognito and bypassed the pop up that asks for zip code. The site goes to a page where theres is a pre-filled promo code and asks to enter your zip code again. When I entered a Hawaii zip code I get this response “We are unable to locate the Zip code you have entered. Please enter a five-digit Zip code in the field below.”

Dee
Dee

I applied on 03/17/17 and all I have at the moment is the “We have received your application : Action Required” email that they sent out immediately after. I called them now to find out the status and all they could say was that it’s under review. On the bright side, she said that there’s no notation against my app asking for ID verification, YET (this could change when they do review). She also said that the process could take up to 14 business days. That’s a helluva long time to wait just to find out if your application has been approved!. I’m not holding my breath since I’ve already been denied once last month.

avichurn
avichurn

Just applied this for my wife. Received an email regarding the application submission. That email does not say anything about the bonus. When I applied few months back, the same application submission email had a bonus section in it.

Jenny
Jenny

Applied yesterday night 3/22 and this morning got an email saying

“At this time, we are unable to complete your application and must refer you to your nearest Wells Fargo branch to open the account.”

Dan
Dan

Bonus posted very quickly.
You can get extra $10 if you signup for wells fargo wallet (in the Android app)

Terry
Terry

Did you see this $10 offer in the WF android app? I didn’t see it anywhere when I logged in.

pc
pc

Just to confirm this is after the new targeted language “Wells Fargo retail store private label credit card customers” appeared? If so did you have a Wells Fargo private label cc?

Dan
Dan

When you open the android app it’s asking you to sign on.
Below the Sign ON button there is a link for “Wells fargo wallet”. When I clicked on it I saw an offer for $10 on first purchase. I did 9 debit card transactions and one with wells fargo wallet to get the bonus..

Wells fargo wallet works using NFC. So I would assume that your phone needs NFC.. (If android pay works on your phone so should the wells fargo wallet).
I do not have any CC with wells fargo yet 🙂

Dan
Dan

> I did 9 debit card transactions and one with wells fargo wallet to get both bonuses. (250 + 10)

ajpl
ajpl

Hm, interesting. I’m applying for my spouse and am getting this error after hitting ‘continue’ on the first page (name, SSN, DL, address, etc):

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

It doesn’t even let me get past the first app page. I did already get this bonus myself in the last couple weeks—I wonder if it’s throwing the error because our home address is already in their system with a live checking account?

Joseph
Joseph

I had the same error “We are unable to process your request at this time. Please call 1-800-932-6736 for assistance.” I tried it afternoon of thursday 3/24/17 on my smartphone using zip 70002 and again on my home PC that evening around 10pm and same message.

Scott
Scott

It appears that this offer will not work if Wells Fargo does not have a branch in your state. Use the link below to see where branches are; the grey states do not have branches and the link will return an error when trying to apply online.

https://www.wellsfargo.com/locator/#tn

ajpl
ajpl

I have two branches within walking distance of my house, and I’m still getting the “unable to process” error. So there’s something unrelated to your home ZIP that causes this issue.

NBG
NBG

Applied 3/9
fully opened – 3/15
3/21 – 5 amazon reloads
3/22 – 5 amazon reloads
3/24 – $250 bonus pending

Rab
Rab

So this bonus is still active? Did anyone get the bonus after the recent language change? Planning to apply this weekend, please let me know. Thank you.

pc
pc

i’d like to know too thanks

ElJefe
ElJefe

Applied just now, was approved, got email indicating I’m eligible for the bonus.

pc
pc

so r u actually qualified as target group or no?

churnbabychurn
churnbabychurn

I just applied today and was approved. Email mentioned that I am eligible for the bonus!

pc
pc

so r u actually qualified as target group or no?

J.
J.

I think this information is incorrect. You don’t have to have a private label card, but you must have a wells fargo credit card of some kind. Even BB said he has one.

LC
LC

Not sure if this is being enforced from their system. Others in here have stated they did not have a wells fargo CC and got bonus after language posted. YMMV

Adrian
Adrian

Adding DP:

3/24 – $500 ACH transfer from Schwab posted. Shows as Direct Deposit but has P2P in title.
3/26 – Sent my gf 10x $1 transactions via Venmo from linked debit card

3/27 – $250 bonus posted to account as PROMOTION BONUS – Online Offer

Not sure which one triggered it but hope this helps.

Thanks DOC 😀

Rene
Rene

I made 10 Debit TX as combination of Venmo + Amazon Reloads phased out over 3 days. Last TX on 03/24, bonus posted on 03/27.

Brian
Brian

Went to the branch to complete application. Manager actually said he could fund as much as I wanted with credit card and said that the $50 rule was because people were getting cash advances coded. He offered up to $5000 but said if I wanted more he would consider. I didn’t take him up on that since he was very convincing and my points balance was not a huge concern. YMMV but may be worth checking out in the branch.

James
James

In branch funding of opening deposits is always cash advance, from my understanding.

Brian
Brian

Wife did $100 in branch. Posted as purchase.

James
James

Cool DP. Thanks for sharing.

NBG
NBG

Wife closed her dormant checking today. Can she open a new one tomorrow for the bonus?. Or should wait for few more days. Also does the $25 deposit need to be posted before 31st Mar?.

Veronica
Veronica

Anyone have suggestions on when to close after bonus? 3 months? 6 months?

MontyFC
MontyFC

In my family, we opened 3 accounts. One was closed within a statement period, another one after 2 statement periods and the 3rd one will remain open for a year (I also opened WF World Propel card and need the account for existing relationship).

Keeping the account active by keeping 1.5K there.

Richard
Richard

Bonus posted for both my mom and dad with the new language. However, they DO have a credit card with Wells Fargo. I noticed that when I logged into their accounts yesterday and today to check for the bonus. Sounds like this shouldn’t matter though.

Jefffyluber
Jefffyluber

$250 bonus posted for my wife this morning. She does not have a credit card with Wells Fargo. She applied 3/20 after the new restrictive language. I am just posting this as an update to anyone who might question it. I personally questioned it and did not think it would work because we don’t have a private retail CC or whatever.

Chris
Chris

Can verify the bonus is good without having a Wells Fargo branded CC. I don’t have a CC at all except a VISA branded debit card. Applied and approved Mar 17th. Debit card sent to wrong address so I went to a branch on the 25th and had a debit card made. 10 purchases made that day and the bonus posted this morning. Thank you for providing the link.

Dan
Dan

Fidelity Visa coded as purchas

Veronica
Veronica

Looks like Discover savings does not trigger direct deposit. Deposit posted as P2P on 3/27/17. No bonus. Will start 10 debit card transaction process.

Veronica
Veronica

Category labeled as direct deposit

Jane
Jane

Just made the 10 transactions on Tuesday and had the $250 bonus credited today! Two day turnaround works for me!

Opened the account the first of the month, had $25 direct deposited through my employer, and made the transactions after the funds were available.

No minimum time to close the account, so I’ve asked for it to be closed and I’ll be done with the whole deal in a month. Can’t beat that!

chaseaholic
chaseaholic

Chase CC $50 funding counted as purchased
10x transactions, bonus posts 2-3 business days later.

Full, exclusive language in bonus for targeted only (and not targeted)

Adam
Adam

Opened account on 3/22 with new restrictions yet $250 bonus posted anyway today. I’ve never had any WF products before.

Zalmy
Zalmy

I filled out the application using completely accurate information, yet I accidentally used my wife’s social instead of mine.. the account opened and bonus posted. Interesting.

pc
pc

WF are crooks lol

Zalmy
Zalmy

Now I attempted to open one in my wife’s name, using my social, with the new-language offer. She was initially rejected using the regular process, probably due to poor/non-existing credit.

Superchurn
Superchurn

DP:

Opened 3/22/17
ACH push from Ally on 3/28 for $500
Bonus posted 3/31

Previously received $100 bonus Sept 2016

Jake
Jake

May have messed this one up by already having an account already open with them. It’s been 5 days since DD and the bonus has not posted

Waingro
Waingro

It’s April 1 and they already disabled the link 🙁

Jon
Jon

The link was down on March 31st as well. I was able to access it in the morning to successively open an account, but by the afternoon, it was pulled!

lucy sims
lucy sims

AM impressed by WF, got bonus 100 last Sep/OCT, closed acct 3/13, saw your link and opened new one 3/23, got my bonus 8 days later, still did not receive my debit card yet, was plan to do 10 or 12 amazon debits, guess no longer needed, thank you for the link, thanks WF for the bonus.

Posted Transactions
03/31/17 PROMOTION BONUS Online Offfer $250.00
03/30/17 BILL PAY UTILIT ON-LINE xxxxx36421 ON 03-30 $20.00
03/30/17 WFB OPENING DEPOSIT $50.00
03/29/17 CAPITAL ONE N.A. CAPITALONE xxxxxxx52100 $1009.13

churnbabychurn
churnbabychurn

I set up a transfer from Ally Bank, which came through on 3/31. How long should I wait to see if it will trigger the bonus?

Credit
Credit

I closed the account. The guy closing the account stopped in his tracks, called the manager, they both looked at me and then he closed the account. Wtf?

John
John

Is closing this account in branch the only option? Can it be done via chat or phone with the check being mailed to the address on the account?

Mimi
Mimi

it is best for you to transfer whatever balance you have to your linked bank account. once your balance is zero, you can send them a secure message telling them you want to close the account. you will receive a response when your account is closed and days later, will receive mail saying your account is closed.

Eric
Eric

When I closed my account earlier this year I didn’t clear out the balance and had no issue getting a check sent to me by SM.

DD
DD

Was anyone at all turned down for this bonus?

NBG
NBG

looks like iam out of luck?.
Closed wife’s existing 10 yesr old dormant Checking on 2/27.
2/28 opened new one using the offer. Online said offer accepted..but not in the email.
I did open using the existing online id/pwd as there is still a CC with them.
Did 10 amazon reloads on 3/30 and posted 3/31.
So far no bonus..
Called multiple times to ask if the bonus offer is linked to account. They said yes and they see in the application. And the usual response of 90 day wait for bonus to post.

Am i toast here?.

MarcoPolo
MarcoPolo

@NBG
I suggest you make few more transactions using the debit card failing which try transferring $500 via ACH from your other bank.
Sometimes the “system” doesn’t recognize a particular transaction.
I read about a similar experience just now on FW here:

https://www.fatwallet.com/forums/finance/1550685?newest=1#last

NBG
NBG

That gives me a bit of hope. Will try both ACH and store debit purchases.

NBG
NBG

more Debit purchase on Amazon – still no dice. ACH pending..will see if that triggers.

J
J

Hi, please report back… I’m on the same boat

Financial Panther

Any thoughts on how long to wait before closing the account?Just got the $250 bonus and don’t want to leave the account open since I don’t want to pay the monthly fees.

J
J

Hi, how long did you have to wait to get the bonus?

Financial Panther

About 1 day after I completed the 10 debit card transactions. The $250 was available for withdrawal within another day or two.

GIR
GIR

Just wanted to provide a late data point. Opened the account online. Was not technically eligible according to their terms and conditions. Funded $50 with CSP. Transferred $1500 from Ally to keep the account fee free. Was going to make ten debit transactions with Amazon but the Ally transfer met the direct deposit retirement it seems. I received the $250 bonus the day after the deposit cleared. I WILL NOT BE CLOSING THE ACCOUNT. I will use for MS activity.

Bill
Bill

Is there a minimum for the debit transactions? I did 10 $0.50 Amazon reloads on 3-31, which were posted on 4-3, but still no bonus.

J
J

Same here… just decided to transfer $500 from Cap one and see if it triggers it.

NBG
NBG

q’n: Did u have prior checking account that you closed. Also when signin up, did u provide ur old login. I did have a closed account before and i gave my old login as i still have a CC with them. Also i never got any confirmation email of the bonus other than the online that said bonus is attached.

RLTW
RLTW

So far I have had to submit TWO separate complaints to CFPB after applying for this offer. In the latest, Wells Fargo submitted a HARD INQUIRY on to Experian despite the fact that 1. I did not, and would never, apply for credit of any kind with Wells Fargo Bank, 2. I had declined Overdraft Protection (that is used by banks to get your reports) 3. I did not give Wells Fargo permission to access my credit reports, and 4. the checking account, with the bonus, is not even completed as yet – Wells Fargo reneged after telling CFPB they would fix the problem we were having accessing the bonus.

NBG
NBG

Another set of reloads from Amazon and DD also did not trigger any bonus. Looks i am out of luck with this one.

Joe
Joe

Did you try and send a secure message to them? My DD is still pending and if I don’t receive it then that would be my last option.

Kelly
Kelly

No go for me too. Added checking after new wording in March . Competed two Chase DDs. Has been over two weeks since the first one and still no bonus. SM gave me a canned response of how it can take 6-8 weeks to post, but based on how quickly the bonus posted with my husband’s account (February) and other DPs, I’d say outlook is not good.

Dan
Dan

Maybe same boat as you guys. Opened 3/28. $500 cap one ach on 4/5/17. no bonus posted. Should I try debit transactions?

Harry
Harry

Same boat. I guess they may have fixed something here to deny bonus.
I had 2 family members open this account around 3/28 after new language and none had previous WF relationship neither checking nor CC of any sort from WF. Never to the date of this application.
In one account did 11 AMZN loads which completed 4/5 but no bonus to date
In another did a DD of 500+ from Santander completed 4/3 but nothing yet.
Still going to wait couple weeks and hope this might still come through.

Ben
Ben

I’m ins a similar situation. I did the 10 debit card charges, which posted on 4/10, and am still waiting for a bonus. I know that is only two days, but it seems that those who receive the bonus are getting it very very quickly after the requirements are met.

jason
jason

3/24 – opened account with $50 credit card deposit

4/10- did 10 amazon $1 gift cards via wells fargo debit card

4/12 – rec’d $250 bonus

A
A

My bonus posted 3/27, three days after I’d made 10 debit transactions. They were a mix of amazon reloads and others

Lip
Lip

Opened account 3/27, Schwab transfer of $500 to both wife+my account completed 4/5, still no bonus. Will probably try the 10x debit for one account and maybe $500 from Fidelity to the other, but looks unlikely this will post.

BT
BT

Applied 3/25
Opened 3/27
Got all paperwork 3/31
$500 ACH from Ally posted to WFC 4/4 — no bonus triggered
$1 x 10 AMZN reload (4/8 and 4/9) posted 4/10 — no bonus triggered yet
No bonus as of writing (4/12)

No credit card with them. Testing my patience

NBG
NBG

Ok..I broke the rule and SM’d them about the bonus. I got this weird reply.
========
Due to IRS tax reporting rules, Wells Fargo cannot pay a promotional
bonus to a customer without a certified tax ID number (W-9) or a
completed W-8BEN explaining a missing tax ID number if they are a
non-resident alien. A certified W-9 or W-8BEN has not been processed and
your account does not show an updated withhold code. Even though your
account may have a Social Security Number on file, the checking account
must still be certified.
========
WTF is that. I did send the signed W-9 form and i dont think that has any relation with the bonus . So they are asking me to go to branch and give it or mail it in.

Harry
Harry

I’m going to take a guess here….based on the information you provided as well as a phone call I had with them. I had called for other reason unrelated to the bonus and since I got a very helpful rep, I also casually inquired if the account is eligible for the bonus offer that I had clicked on. She double checked and said I had already met the terms of the bonus and I should just wait for 45 days from my last qualifying debit card transaction before it gets issued.

So my guess is that if their system sees more than one account at the same postal address or some other such DP, they may just be putting down the 45 day condition plus asking for the W9 to be mailed in before releasing the bonus. Once you send the signed form and complete the waiting period of 45 days the bonus should post.

NBG
NBG

That reasoning sounds hopeful, i am still skeptical. First, the 45 thing is a standard protocol answer.
What’s interesting is I went to the bank yday to have them send the W-9 right away. The manager was very helpful and nice and he did give a acknowledgement of the send (they use image scanning- something like that) also with a seal. He also called the backoffice about the promo and as usual they gave the 45 day reply to him (but did confirm that i met the promo and that it was linked to my account). He said it shouldn’t take this long based on his experience. He then put a reminder on his calendar for 30 days from yday and if the bonus is not posted, he will help me out. And while he was on the call, he did see that i closed the account (non promo) and reopened (for promo), but that he wouldn’t bring that up to the backoffice.

Jeff Glauser
Jeff Glauser

My brother opened the account on 3/31. He made his transactions last week. Still hasn’t received anything. Anyone have any luck with opening the account on 3/31 and having success?

Josh
Josh

Opened on 3/26. 10 debit tx’s posted on 4/10. It’s 4/14 and nothing still. Is there still a possibility of it coming, or am I SOL?

Jeff
Jeff

No idea what’s going on here. I’m in same situation as others. $500 ACH from Ally on 4/4, still no bonus. What happened?

Harry
Harry

Looks like account opening dates of 3/26 and later are having bonus delayed (bonus not yet posted situation). Would like to see DPs of someone who OPENED after 3/26 (not completed requirements, but actual application date of 3/26+) having got the bonus.

Josh
Josh

Yeah in the post I had above, account opened 3/26, requirements met 4/14

Jeff
Jeff

Yeah I applied 3/25, Acct was opened 3/27. DPs or any help would be appreciated.

Cine
Cine

Applied on 3/30 with CC funding of $25, Approved on 3/31. Partial IRS tax refund of $500 posted on 4/12. Still no bonus as of today.

Jon
Jon

Applied and approved 3/29, used existing WF credit card login, finished 14 transactions by 4/10 using debit card (ranging $1.59 to $14.42), ACHed $1K+ from fidelity on 4/12, still no bonus

10g
10g

Apply for two account on 3/25 and no bonus after completing 10 debit. I see someone mention opening on 3/24 and got their bonus. So it looks like all application on 3/25 and later have not have their bonus post yet.

Dan
Dan

I opened 3/25 and received the bonus, my wife opened 3/26 and has not.

Ben
Ben

Opened my account on 03/31 and met requirements 04/10. Still no bonus, so that follows the trends that everyone else has been seeing.

Josh
Josh

Opened on 3/29 and 10 debit posted on 4/11. No bonus yet. I’ll update if the bonus come.

JP
JP

maybe they ran out of bonus money 😉 we will get it once they open some fake accounts.

BT
BT

WFC told me “The $250.00 credit will post after 05/25/2017.” so I guess I’ll have to ensure the account doesn’t get any fees until then. Will check back periodically, but my expectations of receiving this bonus quickly like those before me have been deflated

J.
J.

I think everybody just needs to be patient. Wells is just trying to slow down the process because of the earlier goofballs who closed their accounts in less than a statement period. After all, they offer these bonuses trying for a long-term relationship.

Ken
Ken

Do anyone know how do i get the tax form for the bonus from banks such as Wells Fargo, Capital One and Chase if i close the account after receive the bonus and then my address changed? Thanks!

justHelp
justHelp

I would just list the amount that I received during the year on my tax return. You do not need to receive the 1099 to do that. However, you do need to declare it as interest received.

Ryan
Ryan

Any reason to keep this open after the bonus posts? I think I’ve read elsewhere that WF like you to have a relationship with them before approving for a cred it card, but are there any of their CCs worth getting right now? Thanks

custom answers
custom answers

WFC told me this ”
As the requirements appear to have been met by 04/13/2017, you should
receive the promotional bonus by 05/29/2017 after your W-9 is received. “

Josh
Josh

are they going to send out the W9 to everyone then?

NBG
NBG

Looks like it. I went to branch and have them print one and send it.

Josh
Josh

so worth SM’ing about?

NBG
NBG

It all started with a SM for me. They told to give the W-9. They also sent one again and suggested going to bank is faster.

Custom Answers
Custom Answers

So today it is now 5/29/2017. I have received no bonus yet, so I sent them a message asking for it. We will see what happens.

custom answers
custom answers

so now it is past the date that Wells Fargo promised to pay the bonus…..Wells Fargo reply?…..here it is: “Thank you for replying to our recent email. My name is June, and it is
my pleasure to assist you today.

I received your email regarding not receiving the $250 bonus into your
checking account for opening a new checking account and completing
additional requirements detailed in the account opening bonus
disclosure. I know how frustrating it is when you do not receive
something as promised.

Additional time is required to thoroughly research your inquiry. I have
escalated the issue for further research. You will receive a response by
U.S. Mail describing the promotion incentive decision within 14 – 20
business days. I appreciate your patience.

If you have any further questions, please respond to this email by
clicking on the “Reply” button or call us anytime at 1-800-TO-WELLS
(1-800-869-3557).

Thank you. We appreciate your business.

Sincerely,

Wells Fargo Bank

What would I expect from such an upstanding organization ? LOL

Josh
Josh

I applaud all who are tying them up. I just cancelled both accounts today. I don’t have the energy or desire to fight with them. The writing is on the way, I think. They ain’t payin’ ;-)!

Jeff
Jeff

Is this requirement for the W-9 really important? Seems strange that a bank would withhold a bonus before receiving a signature form. Haven’t sent mine in yet but guess I will.

Ben
Ben

I am wondering the same thing. I’ve had the form sitting on my desk for couple of weeks now debating if that is truly necessary.

NBG
NBG

If you got the bonus already, then its up to you. If not, you are better off sending it and avoid any excuses from them.

Chuck

I sent in in just in case.

ajpl
ajpl

Anyone have the address to send the W-9 to? And is there any additional form to link it to our account or can they figure that out on their own? I can’t head into a branch (remaining account is SO’s, who is not a fan of face-to-face interactions at churned banks) so I need to mail it in myself.

I couldn’t find anything in the confirmation emails from Wells.

custom answers
custom answers

I found this address:

Checking and Savings Accounts
Wells Fargo Bank
P. O. Box 6995
Portland, OR 97228-6995

I don’t know if is correct, but it is on Wells Fargo website at :

https://www.wellsfargo.com/help/addresses/

Custom Answers
Custom Answers

I just received a W-9 form from Wells Fargo. Enclosed was an addressed envelope to return it. The address is: Wells Fargo Bank, N.A., PO Box 5110, Sioux Falls, SD 57117-5110……This IS the address to send the completed W-9 to.

David
David

Got $250. Thank you.

Ben
Ben

When did you open your account? I think most of us who have opened after 3/26 did not receive the bonus yet.

mike j
mike j

I opened account on March 31st. Did DD from employer. Still no bonus.

Logan
Logan

I talked to Wells Fargo after getting done meeting the 10 transactions and was told that it takes 45 days after meeting the promotion for the money to be deposited. So I guess I have 39 days more to wait 🙁 .

custom answers
custom answers

I received a W-9 form from Wells Fargo. Enclosed was an addressed envelope to return it. The address is:
Wells Fargo Bank, N.A.,
PO Box 5110, Sioux Falls,
SD 57117-5110…… This IS the address to send the completed W-9 to.

custom answers
custom answers

so…..
I received a W-9 form from Wells Fargo. Enclosed was an addressed envelope to return it. The address is:
Wells Fargo Bank, N.A.,
PO Box 5110, Sioux Falls,
SD 57117-5110…… This IS the address to send the completed W-9 ….. I sent mine there

LiteSalt
LiteSalt

Thanks for the info. I proactively sent one in the hopes that they might process my bonus faster.

NBG
NBG

Anyone receive their bonus lately?. I called and asked and now they spin a new lie saying the bonus expired on 3/24. Apparently they don’t have a clue on the change of terms and the dates.

Tom
Tom

Opened mine 3/28 and I’m still waiting for the bonus.

Tom
Tom

Was told bonus should post 45 days after the 10th debit card transaction posted which was 4/11 so I’ll see if I get the bonus on 5/26

Tom
Tom

Still no bonus 45 days after 10th transaction or 45 days after 20th transaction. Contacted them by email/secured message and was told they escalated it and I would receive a letter in the mail within 14 days…

Curmudgeon
Curmudgeon
C
C

Opened on 3/26. Still no bonus.

T
T

Same here, I also returned the signed form. I opened on 3/29

It should’ve been 45 days for you now right? Call and ask?

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