【2024.7 更新】现在的 Checking 开户奖励是 $325,而且 Direct Deposit 的要求并不高,只需要三个月总共 $1000 即可。offer 2024 年 8 月 20 日过期

现在新开设或者升级到 WellsFargo Premier 账户,可以获取 $3500 开户奖励。需要开户 45 天内存入 $500k,并保持至少 90 天。活动 6 月 25 日结束。这个账户有 $35 的月费,但是在 wf 总的存款超过 $250k 就可以免除,所以还挺好的。

关于 Wells Fargo 银行

富国银行(Wells Fargo&Company)是一家美国跨国金融服务公司,总部位于加利福尼亚州旧金山,在美国各地设有中央办事处。按市值计算,它是全球第四大银行;按总资产计算,它是美国第四大银行。

他家一个黑点就是曾经有雇员盗用了用户的数据,私自给用户开通了很多的信用卡。另外,他家的信用卡也比较奇葩,只能给绿卡或者公民申请。也有数据点说持有他家的 Checking,也能申请到信用卡。

Wells Fargo Checking

开户奖励

现在申请 Wells Fargo 的 Everyday Checking,可以获取 $325 的开户奖励。

开户奖励要求如下:

  • 2023 年 4 月 10 日之前完成开户,开户时需至少存入 $25;
  • 开户后,90 天内完成 Direct Deposit,总额 $1000 以上;
  • 在开户奖励到账前需要保证 Checking 余额大于 0
  • 现在不能有 Wells Fargo Checking, 12 个月内不能关过他家 Checking 账户

如果你不想或者没有工资可以完成 DD,可以选用下面一些非官方的途径转账(ACH)或者提现(Withdraw)来满足 $1000 的需求(来源:DOC)。步骤就是将 Wells Fargo 添加为另一个银行的 external bank,然后发起转账。或者将 wells fargo 添加到投资或者 paypal 账户,直接 withdraw 钱就行。

  • ACH 转账:Chase、discover、amex serve
  • 投资账户:schwab、Fidelity、robinhood
  • 其他:paypal
  • 由于 Wells Fargo 的数据点较为不稳定,建议大家查看:DOC 的总结

根据网友汇报,满足 DD 条件后,几个工作日内开户奖励就到账了。

如果你是 Non Resident,只能去当地 Branch 开户,可以在上述链接中选择 in-branch,获取一个 promo code。如果你是 F1 resident,可以直接网上开户可能需要提供额外的材料。比如驾照/Statee ID、学生签证、护照、信用卡账单等等。

费用

Everyday Checking $10 月费,做到以下三条任意一条就可以免除

  • 每月 10+ 次 debit card purchases or payments(正常刷卡或者网上消费均可,)
  • 每月 $500 的 Direct Deposit,可以多笔
  • 每天至少 $1500 的 balance(每天结算时的额度都要高于这个值)
  • Link this account to a Wells Fargo Campus ATM or Campus Debit Card
  • 17-24 岁的人无月费

另外这三个 checking 都没有 early termination fee,意味着理论上你拿到开户奖励,就可以关户了。。不过建议还是多持有一会

Saving

现在又出了一个 saving $525 的 offer,需要开户时存入 $25,并且 30 天内存入 $25k 且保持 90 天。如果你是老用户,也有专门的链接可用。不过都需要去当地 wellsfargo 银行开户。这个 offer 还不错,按照年化利率计算,大概是 8.4% 左右,如果有闲钱,可以考虑搞搞。当然最好是 checking、saving、premier checking 都安排上。premier checking 的 offer,如果你要做的话,saving 里存的钱也是算的。所以相当于可以顺便多撸一份 saving 的开户奖励。

Saving 虽然有 $5 的月费,但是免除还是很容易的,第一条每日至少 $300 是最容易了。

  • 每日最少有 $300 余额。$300 minimum daily balance
  • 从 checking 至少自动转了 $25 到 saving. 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account
  • 每天从 checking 自动转了 1 笔到 saving. 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account
  • 从 checking 至少用 Save as you go 功能转了 1 笔资金。1 or more Save As You Go® transfers from a linked Wells Fargo checking account. A qualifying Save As You Go transfer is an automatic transfer of $1 from your linked Wells Fargo checking account to your Way2Save Savings account each time you (or any authorized signer or joint owner) use your debit card for a one-time purchase or complete a Bill Pay transaction through online banking, and the one-time debit card purchase or Bill Pay transaction posts to the account. We reserve the right to determine through our sole discretion if a particular transaction is a qualifying transaction.
  • 户主是 24 岁或者以下。Primary account owner is 24 years old or under. (When the primary account owner reaches the age of 25, age can no longer be used to avoid the monthly service fee.) Customers 12 and under must have an adult co-owner.

Wells Fargo Premier Checking

从介绍上看,没有什么实质性的福利,都是一些方便高资产人士咨询和投资的服务。另外,这个账户是有利息的,目前的 APY 根据存款确定,100k 以内是 0.25%,以上是 0.5%。聊胜于无吧

  • Interest on the Premier Checking account is compounded daily and paid monthly. The amount of interest earned is based on the daily collected balances in the account. The following Annual Percentage Yields (APYs) are accurate as of November 25, 2022. The account pays an APY of 0.25% if the balance is $0–$99,999.99 and 0.50% if the balance is $100,000 or more. Rates are variable and subject to change without notice. Fees could reduce earnings on this account.

这个账户本身有 $35 的月费,如果你在 wells fargo 的总的存款大于 $250,就可以免除。账户包含 checking、saving、cd、ira、投资账户等等

  • The Wells Fargo Premier Checking account has a $35 monthly service fee which can be avoided each fee period with $250,000 or more in statement-ending qualifying linked (a) bank deposit account balances (checking, savings, time accounts (CDs) , FDIC-insured IRAs) and (b) investment account balances (brokerage available through our brokerage affiliate Wells Fargo Advisors, applicable bank fiduciary and custody accounts, annuities, and eligible foreign exchange transactions) .

我的点评

如果能成功开户,奖励还是很不错的,而且 DD 的要求并不高

如果你对其他的开户奖励感兴趣,可以考虑下面几个 offer

Checking 账户的开户奖励是需要报税的,银行会在第二年发送 1099INT,按照利息报即可。

申请链接