Wells Fargo Business $825 Savings Bonus (97.3% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Wells Fargo Initiate Business Checking pays $400 on a $2,500 deposit or $825 on a $25,000 deposit — but these are TWO SEPARATE OFFERS with different enrollment URLs, not tiers of one offer. The $400 tier is one of the highest-effective-APY business bonuses anywhere (~97% annualized). The $825 tier is better for anyone with real working capital.
Who This Savings Bonus Is Best For
Anyone with a business entity. The $400 tier is perfect for side hustlers and new LLCs — $2,500 is a realistic amount to park. The $825 tier only makes sense if you already have $25k of working capital sitting somewhere.
How to Maximize This Bonus
Pick your tier first, then use the correct enrollment URL — /businesscheckinga for $400 or /businesscheckingb for $825. Open Initiate Business Checking, deposit the tier amount by day 30, and maintain the minimum daily collected balance through day 60. No transaction requirement. The effective APY math strongly favors the $400 tier if you can only afford one: $400 on $2,500 held 60 days is roughly 97% annualized.
Pros
Cons
How This Compares to Other Bonuses
The $400 tier is the highest effective APY of any business bonus — it's a no-brainer if you can afford $2,500 for 60 days. The $825 tier at $25k is roughly 19.8% effective APY, which beats Chase's $750 at $20k (~22%) but loses to U.S. Bank's $1,200 at $25k (~29%).
Frequently Asked Questions
Which URL do I use?
Use accountoffers.wellsfargo.com/businesscheckinga for the $400 tier ($2,500 balance) or accountoffers.wellsfargo.com/businesscheckingb for the $825 tier ($25,000 balance). Using the wrong URL means no bonus.
Can I take both tiers?
No — these are two variants of the same offer. You get one or the other, not both. Pick based on how much you're willing to park.
Do I need to make any transactions?
No. This bonus is purely balance-based — no debit card purchases or DD required.
Related Bonus Reviews
Eligibility
Business checking. $2,500 ending balance on days 30 and 60.
Fees
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.