Wells Fargo Initiate Business Checking bonus: is $825 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $25,000 for 60 days, the tier that adds the most.
Yearly rate on $25,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$383$2,500$400 bonus · 60 days
- +$482$10,000$550 bonus · 60 days
- +$654$25,000Best for you$825 bonus · 60 days
The math
Compared with leaving $25k at 4.15%
Deposit $25,000 in new money within 30 days · Keep $25,000 there until day 60 · 5+ qualifying posted transactions within 60 days. Terms checked Oct 9, 2026.
About this bonus
What it takes
- 1Deposit $25,000 in new money within 30 days
- 2Keep $25,000 there until day 60
- 35+ qualifying posted transactions within 60 days
- Ends
- Nov 10, 2026
- Where
- Nationwide
- Monthly fee
- None
- Cash stays
- About 60 days
- Bonus paid
- Usually within 30 days of finishing
- Credit check
- None
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Wells Fargo Initiate Business Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $25,000 tier adds +$654: the $825 bonus, minus the $171 that cash would have earned in 60 days. The $10,000 tier adds +$482. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $25,000 in new money within 30 days; keep $25,000 there until day 60; 5+ qualifying posted transactions within 60 days. Open nationwide.
When does it end?
The offer ends Nov 10, 2026. The terms were last checked Oct 9, 2026.