Wells Fargo vs Bank of America bonuses

As of Jul 21, 2026, Wells Fargo has 4 live sign-up bonuses, up to $825. Bank of America has 2, up to $2,500. Here is how they compare, verified against each institution's own terms.

The quick take. Bank of America has the bigger headline bonus right now ($2,500). Wells Fargo gives you more offers to choose from. The best pick is the one whose requirement you can actually meet, so weigh the figures below against your own cash and direct deposit.

At a glance

	Wells Fargo	Bank of America
Live sign-up bonuses	4	2
Biggest cash bonus	$825	$2,500
Bonus types	bank, card	bank, card
ChexSystems	Soft pull reported for checking	ChexSystems reported
Credit pull	Hard inquiry for cards	Hard inquiry for cards
Eligibility	Checking: no Wells bonus in the past 12 months (verify current terms)	Business checking bonus: not for owners in the past 12 months

Current offers

Wells Fargo

Wells Fargo Initiate Business Checking$825

Deposit $25,000+ by day 30, maintain to day 60 · sign-up bonus

Wells Fargo Active Cash$200

$500 in purchases, 3 months · sign-up bonus

Wells Fargo Clear Access Banking$125

10+ qualifying posted transactions in 60 days · sign-up bonus

Wells Fargo Autograph20,000 points

$1,000 in purchases, 3 months · points bonus

Bank of America

Bank of America Business Advantage Checking$2,500

Deposit $250,000+ within 30 days, hold to day 90 · sign-up bonus

Bank of America Business Advantage Cash$500

$5,000 in purchases in first 90 days · sign-up bonus

What to know about each

Wells Fargo

A steady $300-class checking bonus with a low electronic-deposit hurdle, refreshed on short published windows. The terms are plain; the work is mostly remembering the coupon.

Bank of America

A national bank that runs steady personal and business checking bonuses on new-money deposits. The card side earns Preferred Rewards boosts if you keep balances with them, but that is a relationship play, not a sign-up bonus.

Common questions

Which has the bigger sign-up bonus, Wells Fargo or Bank of America?

Bank of America has the bigger cash bonus right now, at $2,500. Figures change; both are checked against the source and shown above with the date.

Is Wells Fargo or Bank of America better for a sign-up bonus?

The better pick is the offer whose requirement you can actually meet. Wells Fargo currently gives you more offers to choose from. Weigh each bonus against the deposit or spend it needs, not just the headline number.

New to this? Start with how bank sign-up bonuses work, weigh both by value with the easiest to earn list, and see more head-to-heads on the compare page. Reference information, not financial advice.