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Chase vs Wells Fargo: Bank Bonus Comparison

Updated September 2026 — See which bank bonus is better for you.

Chase Checking & Savings Bonus

$900 bonus

Hold Period
90 days (balance maintenance required for 90 days from enrollment)
Qualifying Period
90 days from coupon enrollment (direct deposit to checking); 30 days from coupon enrollment (deposit to savings)
Requirements
Open Chase Total Checking account; Direct deposit required to checking (no minimum amount); Open Chase Savings account (for $200 bonus); Deposit $15,000+ in new money to savings within 30 days; Maintain $15,000+ balance in savings for 90 days; Open Chase Total Checking account and Chase Savings account; Direct deposit required to checking account; Deposit $15,000 into savings account within 30 days of offer enrollment; Maintain $15,000 in savings for 90 days from offer enrollment; Checking: Direct deposit of $1,000+ within 90 days of account opening; Savings: Deposit $15,000+ in new money within 30 days of account opening and maintain $15,000 balance for 90 days from enrollment; Open new Chase Total Checking account; $1,000+ direct deposit within 90 days of offer enrollment; Open new Chase Savings account at same time as checking; Deposit $15,000+ new money within 30 days of offer enrollment; Maintain $15,000+ balance in savings for 90 days from offer enrollment; Direct deposit to checking account (within 90 days of coupon enrollment); Deposit $15,000+ to savings account (within 30 days of coupon enrollment); Maintain $15,000 balance in savings for 90 days; Both accounts must remain open at time of payout; Open Chase Total Checking account (requires approval); Direct deposit of any amount to checking within 90 days of coupon enrollment; Open Chase Savings account (requires approval); Deposit $15,000+ in new money to savings within 30 days of coupon enrollment; Maintain $15,000 balance in savings for 90 days from coupon enrollment; For $900 combo: must open both accounts at same time and complete all requirements for both bonuses; Accounts must remain open and not restricted at time of payout; Direct deposit of $1,000 or more within 90 days (for $400 bonus); For savings: deposit $10,000+ within 30 days and maintain for 90 days; Open Chase Total Checking account (checking bonus); Set up direct deposit within 90 days of coupon enrollment (checking bonus); Open Chase Savings account (savings bonus); Deposit $15,000 or more in new money within 30 days of coupon enrollment (savings bonus); Maintain $15,000 balance for 90 days from coupon enrollment (savings bonus); New money cannot be existing Chase funds; Open a Chase Total Checking account; $1,000+ in direct deposits within 90 days of checking coupon enrollment; Open a Chase Savings account (separate); Deposit qualifying new money within 30 days of savings enrollment; Maintain new money for 90 days in savings account; $1,000+ direct deposit to checking within 90 days of enrollment; Open Chase Savings account; $15,000+ new money deposit to savings within 30 days of enrollment; Maintain $15,000 balance in savings for 90 days from enrollment; Account must not be closed or restricted at payout time; $1,000+ direct deposit required for checking (within 90 days of enrollment); $15,000+ new money deposit into savings (within 30 days of enrollment); Direct deposit (paycheck, pension, or government benefits) within 90 days for checking bonus; Deposit $5,000+ in new money within 30 days for deposit-based bonuses; Maintain required balance for 90 days from coupon enrollment for savings bonus ($15,000); Set up direct deposit of paycheck, pension, or government benefits within 90 days of coupon enrollment; Open new Chase Savings account; Deposit $15,000+ new money to savings within 30 days; Open both accounts at the same time to qualify for $400 extra bonus; Direct deposit (any amount) to checking within 90 days; $15,000 deposit to savings within 30 days (for combo/savings bonus); Accounts subject to approval; Open a new Chase Total Checking account and set up a direct deposit within 90 days of coupon enrollment; Open a new Chase Savings account and deposit $15,000+ in new money within 30 days, then maintain $15,000 balance for 90 days (for the tiered bonuses shown); For $900 combo bonus: Must open both checking and savings at the same time and complete all requirements for both; Open new Chase Total Checking account and receive direct deposit within 90 days of coupon enrollment; Open new Chase Savings account and deposit $15,000+ in new money within 30 days and maintain for 90 days; New money cannot be funds held at Chase or its affiliates; For combo bonus: complete both checking and savings requirements; Open new Chase Total Checking account and a new Chase Savings account; Have direct deposit made to checking account within 90 days of coupon enrollment; Deposit $15,000+ in new money into savings account within 30 days of coupon enrollment; Deposit $15,000 or more in new money into savings account within 30 days of coupon enrollment; Maintain at least $15,000 balance in savings for 90 days from coupon enrollment; Open new Chase Total Checking account and new Chase Savings account; Direct deposit made to checking account within 90 days of coupon enrollment; Deposit $15,000+ in new money to savings account within 30 days and maintain for 90 days; New money cannot be funds held at Chase or affiliates; Open Chase Total Checking account and receive direct deposits (paycheck, pension, or government benefits) totaling at least $1,000 within 90 days of coupon enrollment; Open Chase Savings account and deposit $15,000+ in new money within 30 days of coupon enrollment; Both accounts must be opened at the same time for $900 bonus
Expires
October 13, 2026
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Wells Fargo Everyday Checking Bonus

$325 bonus

Qualifying Period
within 90 days of account opening
Requirements
$1,000 or more in qualifying direct deposits within 90 days of account opening; $25 minimum opening deposit if opening in branch; Open new Everyday Checking account; Receive $1,000 or more in qualifying electronic deposits within 90 days of account opening; $25 minimum opening deposit; Receive $1,000 or more in qualifying direct deposits within 90 calendar days of account opening; Open a new Wells Fargo Everyday Checking account; Use bonus offer code when opening; Receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening; Minimum opening deposit of $25; Open a new Everyday Checking account with bonus offer code; Receive $1,000 or more in qualifying electronic deposits within 90 calendar days; Qualifying deposits include: ACH direct deposit, instant payments (RTP/FedNow), electronic credits to debit card via Visa/Mastercard networks; Minimum $25 opening deposit; Open new Everyday Checking account online or in branch with minimum $25 deposit; Make $1,000 or more in qualifying direct deposits within 90 days of account opening; Open new Everyday Checking account online or in branch; Use bonus offer code at account opening; Open new eligible checking account; Receive $1,000 or more in qualifying direct deposits within 90 days
Expires
October 12, 2026
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Bottom Line

Chase offers a higher bonus ($900 vs $325). However, be sure to compare hold periods and requirements before deciding.

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