Wells Fargo Premier Checking bonus: is $3,500 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $250,000 for 90 days, the tier that adds the most.
Yearly rate on $250,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- −$52$250,000Best for you$2,500 bonus · 90 days
- −$1,604$500,000$3,500 bonus · 90 days
The math
Compared with leaving $250k at 4.15%
Deposit $250,000 in new money within 45 days · Keep $250,000 there until day 90 · Open new Premier Checking ($25 minimum opening deposit) or upgrade an existing WF…. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $250,000 in new money within 45 days
- 2Keep $250,000 there until day 90
- 3Open new Premier Checking ($25 minimum opening deposit) or upgrade an existing WF…
- Ends
- Nov 9, 2026
- Where
- Nationwide
- Pays while it's there
- 0.01% a year
- Monthly fee
- None
- Cash stays
- About 90 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 Premier Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $250,000 tier adds −$52: the $2,500 bonus plus $6 interest, minus the $2,558 that cash would have earned in 90 days. The $500,000 tier adds −$1,604. At that rate it doesn't beat leaving the cash where it is. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $250,000 in new money within 45 days; keep $250,000 there until day 90; open new Premier Checking ($25 minimum opening deposit) or upgrade an existing WF…. Open nationwide.
When does it end?
The offer ends Nov 9, 2026. The terms were last checked Oct 10, 2026.