Chase vs Wells Fargo: bank account bonuses compared
The live offers from both banks side by side: the bonus, what it takes, the fees and what each is worth after costs. Checked against the banks' own pages, most recently on October 6, 2026.
Updated
At a glance
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| As of October 9, 2026 | Chase | Wells Fargo |
|---|---|---|
| Live offers | 4 | 1 |
| Largest bonus | $3,000, Chase Private Client Checking | $825, Wells Fargo Initiate Business Checking (also Navigate or Optimize Business Checking) |
| Best value after costs | $752, Chase Total Checking | $661, Wells Fargo Initiate Business Checking (also Navigate or Optimize Business Checking) |
| Personal checking | $3,000, Chase Private Client Checking | None live |
| Savings | $200, Chase Savings | None live |
| Business | $500, Chase Business Complete Checking | $825, Wells Fargo Initiate Business Checking (also Navigate or Optimize Business Checking) |
| Without a direct deposit | 3 of 4 | 1 of 1 |
| Monthly fees on these accounts | From $5 to $35 a month | $15 a month |
Largest bonus is the top tier as the bank states it. Value after costs follows the methodology. Banks change and end offers without notice. Confirm every term on the bank's own page before you apply.
Chase bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| Chase Private Client Checking (personal) | Up to $3,000 | -$1,932 | Deposit and hold: $500,000, investments count | Jan 27, 2027 (110 days left) | |
| Chase Total Checking (personal) | Up to $900 | $752 | Direct deposit | Jan 27, 2027 (110 days left) | |
| Chase Business Complete Checking (business) | Up to $500 | $434 | Deposit and hold: $10,000 | Jan 21, 2027 (104 days left) | |
| Chase Savings (personal) | $200 | $52 | Deposit and hold: $15,000 | Jan 27, 2027 (110 days left) |
Chase and all its offers, including ended ones.
Wells Fargo bonuses
| Offer | Bonus | Worth after costs | What it takes | Ends | Checked |
|---|---|---|---|---|---|
| Wells Fargo Initiate Business Checking (also Navigate or Optimize Business Checking) (business) | Up to $825 | $661 | Deposit and hold: $25,000 | Nov 10, 2026 (32 days left) |
Wells Fargo and all its offers, including ended ones.
Chase or Wells Fargo: questions
Which pays a bigger bonus, Chase or Wells Fargo?
Chase has the larger top bonus: $3,000 on Chase Private Client Checking, against $825 on Wells Fargo Initiate Business Checking (also Navigate or Optimize Business Checking). The largest bonus usually asks for the most cash or deposits.
Which bonus is worth more after costs, Chase or Wells Fargo?
Chase's best is Chase Total Checking at $752. Wells Fargo's best is Wells Fargo Initiate Business Checking (also Navigate or Optimize Business Checking) at $661. Value after costs is the top tier's bonus less fees the requirement does not waive and what the cash would earn elsewhere at 4%. Your own figure depends on your cash and deposits: try the calculator.
Which has lower monthly fees, Chase or Wells Fargo?
On the accounts with a live bonus: Chase from $5 to $35 a month, Wells Fargo $15 a month. Most fees can be avoided with a direct deposit or a balance; each offer page lists the waivers the bank publishes.
Can you get both the Chase and the Wells Fargo bonus?
The two banks run their offers separately, and each decides who qualifies under its own terms. Bank bonuses are generally taxable as interest income, and banks usually report them on Form 1099-INT.