Looking to score some serious cash for your business? Wells Fargo is currently offering two incredible business checking account bonuses that you definitely don’t want to miss! I’ve spent hours analyzing these promotions to bring you the exact steps needed to qualify for either the massive $825 bonus or the easier-to-obtain $400 offer.
But here’s what most business owners get wrong: they focus only on the bonus amount without understanding the specific requirements. Let me show you exactly how to maximize these offers before they expire on June 30, 2025. Be sure to check out other business checking accounts such as Bluevine.
To make this easier for you, we’ve compared this offer with the Chase Business Complete. Spoiler: the $500 bonus from Chase turns out to be an even better deal.
Want to find more of the best personal and business bank bonuses nationwide? Check out our top picks here—including huge offers from BMO and Chase that you won’t want to miss!
The $825 Wells Fargo Business Checking Bonus: Requirements Breakdown
Want to score the bigger $825 bonus? Here’s what you need to do:
- Open a new eligible business checking account by June 30, 2025 (Initiate, Navigate, or Optimize Business Checking)
- Deposit $25,000 or more within 30 days of account opening
- Maintain a minimum daily collected balance of $25,000 through day 60 after opening
- Receive your $825 bonus within 30 days after meeting all requirements
The best part? The Initiate Business Checking account only has a $10 monthly fee that’s easily waived with a $500 minimum daily balance or $1,000 average ledger balance.
The $400 vs. $825 Wells Fargo Business Checking Bonus: Lower Deposit Option
If the $25,000 requirement seems steep, Wells Fargo offers a more accessible option:
- Open the same eligible business checking accounts by June 30, 2025
- Deposit just $2,500 within 30 days of account opening
- Maintain a minimum daily collected balance of $2,500 through day 60
- Get your $400 bonus within 30 days after meeting all requirements
Who Qualifies for These Business Checking Bonuses?
Not everyone is eligible. Here’s who can take advantage of these offers:
- New business checking customers only (your business can’t have a current Wells Fargo business checking account)
- Businesses that haven’t closed a Wells Fargo checking account in the past 90 days
- Businesses that haven’t received a Wells Fargo checking bonus in the past 12 months
- Businesses not owned by Wells Fargo employees
Remember: You must have a valid U.S. Taxpayer Identification Number, and the bonus will be reported as taxable income.
How to Apply for the Wells Fargo Business Checking Bonus
You have two simple options to claim either bonus:
- Apply online through the Wells Fargo offer webpage (bonus code automatically applied). Link provided above.
- Visit a branch (get a bonus code emailed to you first and provide it to the banker)
For branch applications, you’ll need proper business documentation including:
- Business formation documents
- EIN or SSN
- Valid ID for all signers
- Initial deposit ($25 minimum)
Here are our favorite checking and savings accounts.
Which Wells Fargo Business Checking Account Should You Choose?
All three eligible accounts can earn either bonus:
Initiate Business Checking
- $10 monthly fee (waivable)
- Perfect for new or smaller businesses
- Minimum opening deposit: $25
Navigate Business Checking
- More features for growing businesses
- Higher transaction limits
Optimize Business Checking
- Designed for established businesses with complex needs
- Highest cash management capabilities
Find more bank offers from Wells Fargo here.
Important Dates and Deadlines to Remember
- Offer expiration: June 30, 2025
- Deposit deadline: 30 days after account opening
- Balance maintenance period: Through day 60 after opening
- Bonus payment: Within 30 days after meeting all requirements
Is the Wells Fargo Business Checking Bonus Worth It?
Let’s do the math: The $825 bonus on a $25,000 deposit for 60 days equals a 19.8% annualized return! Even the $400 bonus on a $2,500 deposit represents a whopping 96% annualized return. These rates absolutely crush what you’d earn in most investments over the same period.
Alternative Bonus: Chase Business Complete $500
When comparing the Chase Business Complete Checking offer to Wells Fargo’s business bonuses, there are several compelling advantages that might make Chase the better choice for many business owners. While Wells Fargo’s $825 bonus is eye-catching, the Chase offer has some distinct benefits worth highlighting.
Lower Deposit Requirements for Similar Bonus
The most significant advantage of the Chase Business Complete Checking offer is the lower deposit threshold:
- Chase: Earn $500 with just a $10,000 deposit (maintained for 60 days)
- Wells Fargo: Requires $25,000 for the $825 bonus (maintained for 60 days)
This means Chase requires 60% less capital to earn a bonus that’s only 39% smaller. For businesses with tighter cash flow, this is a major advantage.
More Accessible Entry-Level Option
For smaller businesses or startups with limited funds:
- Chase: $300 bonus with only a $2,000 deposit
- Wells Fargo: $400 bonus with a $2,500 deposit
While Wells Fargo’s lower-tier bonus is slightly higher, Chase’s minimum deposit requirement is 20% lower, making it more accessible for businesses just starting out.
Simpler Qualification Requirements
Chase’s bonus qualification process is more straightforward:
- Deposit the required amount
- Complete 5 qualifying transactions within 90 days
- Maintain the balance for 60 days
This is less complex than some of Wells Fargo’s require.
Read our review of Chase Business Complete
Final Thoughts: Act Now Before This Offer Expires
I’ve analyzed dozens of bank bonuses, and these Wells Fargo business checking offers or the Chase Business Complete offer rank among the most generous I’ve seen in 2025. With the June 30th deadline approaching, I recommend taking action soon if your business qualifies.
Remember: The key to successfully claiming these bonuses is carefully following the deposit and balance requirements. Set calendar reminders for important dates, and you’ll be well on your way to adding $400 or $825 to your business’s bottom line!
Have you claimed a business checking bonus before? Let me know your experience in the comments below!
[WELLS FARGO $825 HERE] or [WELLS FARGO $400 HERE]
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