Best Joint Checking Accounts (2026)

Having a joint bank account isn't the same as having the right one. A joint checking account works best when it fits how two people actually manage money together. Some couples want full shared visibility into every transaction, while others prefer to keep a joint account just for bills and manage the rest separately.

Nearly every bank offers joint checking accounts, but not all financial institutions are created equal. We compared six banks on fees, ATM access, app-based visibility for both account holders, and any features specifically useful for shared finances. Below are our top picks, followed by how to choose between them and our full methodology.

Our Top Picks for Best Joint Checking Accounts

• SoFi: Our best overall for a fee-free joint account

• Capital One: Our best for the option of in-person branch access

• Bank of America: Our best for couples who also want to invest together

• Wells Fargo: Our best for a large nationwide branch network

• Axos: Our best for online-only couples who want a rewards rate

• Consumers Credit Union: Our best for the highest potential rate

A Closer Look at Our Top Picks

SoFi Checking and Savings

SoFi's combined checking and savings account can be opened jointly, with both partners able to deposit, withdraw, and use a debit card tied to the shared balance. It charges no monthly fee and requires no minimum balance, which removes one of the most common sources of friction in a shared account: disagreements over avoidable fees.

Because checking and savings are combined into a single account, a couple doesn't need to coordinate transfers between separate products just to keep savings organized, and both partners can see the full picture in one place. Either partner's paycheck can qualify the account for SoFi's boosted savings rate.

As an online-only bank, SoFi has no branches, so couples who want the option of sitting down with someone in person to resolve an issue together will need to rely on phone and chat support instead. For a couple comfortable managing money digitally, though, it's one of the simplest fee-free joint setups available.

Key Features:

• $0 monthly fee, $0 minimum balance

• Joint checking and savings combined into one account

• Both account holders get individual logins and debit cards

• 55,000+ fee-free ATMs

• Early access to direct deposits for eligible accounts

Read our full SoFi Checking and Savings review

Capital One 360 Checking

You can open Capital One's 360 Checking account jointly, with no monthly fee and no minimum balance. It also offers the option, not the requirement, to visit a branch or Capital One Café together if you ever need in-person help, something the fully online banks in this comparison can't offer.

Both account holders can access the Capital One mobile app, which includes budgeting and spending-tracking tools that help a couple see shared spending patterns without extra software. CreditWise, Capital One's free credit-monitoring tool, is available to both partners regardless of whether either of them holds a Capital One credit card.

Capital One's branch network, while notable for an online-forward bank, is still smaller than Wells Fargo's or Bank of America's, so it's a better fit for a couple who wants the occasional branch option rather than one who banks in person regularly.

Key Features:

• $0 monthly fee, $0 minimum balance

• About 270 branches and 55+ Capital One Cafés nationwide

• 70,000+ fee-free ATMs

• Free CreditWise credit-monitoring tool for both account holders

• Budgeting and spend-tracking tools built into the app

Read our full Capital One 360 Checking review

Bank of America Advantage Plus Banking®

Bank of America's Advantage Plus Banking® can be opened jointly. Both partners get access to the bank's BofA Rewards program (formerly Preferred Rewards), which layers fee waivers and interest rate boosts on top of a couple's combined banking and Merrill investment balances, a useful structure for a couple actively consolidating and building wealth together.

Bank of America backs the account with the largest ATM network in this comparison (about 15,000), plus about 3,500 financial centers, plus a highly rated mobile app both partners can use to track shared spending and set alerts for large transactions.

The account carries a $12 monthly fee, waived with a $250+ qualifying direct deposit, a $1,500 minimum daily balance, or BofA Rewards Preferred Plus status or higher, so a couple without regular direct deposits or a steady balance may find the fee harder to avoid than at the fee-free competitors on this list.

Key Features:

• $12 monthly fee, waived with a $250+ direct deposit, a $1,500 daily balance, or BofA Rewards Preferred Plus or higher

• BofA Rewards perks scale with combined banking and Merrill balances

• About 3,500 financial centers and 15,000 ATMs nationwide

• Highly rated mobile app with shared account alerts

• Zelle® built in for splitting expenses with others outside the account

Read our full Bank of America Advantage Plus Banking® review

Wells Fargo Everyday Checking

Wells Fargo's Everyday Checking account can be opened jointly and is backed by one of the largest branch networks of any bank in the country, useful for a couple who wants an in-person option no matter where they live or travel within the U.S.

The account includes phone support (automated around the clock; live-agent hours vary) and a highly rated mobile app, both useful for a couple coordinating finances across different schedules or when one partner is traveling.

Wells Fargo's monthly fee is easier to waive on this entry-level account than on its premium tiers, but it still requires meeting a direct deposit or minimum balance threshold, unlike the fully fee-free accounts elsewhere in this comparison.

Key Features:

• Monthly fee waivable with qualifying direct deposit or minimum balance

• One of the largest branch networks in the U.S.

• 11,000+ ATMs

• Phone support (automated and live hours vary) and in-app chat

• Zelle® built in for splitting expenses with others outside the account

Read our full Wells Fargo Everyday Checking review

Axos Rewards Checking

Axos Rewards Checking can be opened jointly, with no monthly fee and no minimum balance. Couples can earn a higher rate by meeting qualifying activities together, starting with $1,500+ in monthly direct deposits, then adding debit card usage, Axos Invest and loan payment activity.

Both partners can manage the account through Axos's mobile app, and the account reimburses ATM fees with unlimited domestic reimbursements, which can add up for a household using out-of-network machines regularly.

Reaching the account's top rate on balances up to $50,000, requires linking multiple Axos products, which is more coordination than a couple who just wants simple checking may want to take on. Used as a standalone account with $1,500+ in monthly direct deposits, it earns competitive rates. Without a qualifying direct deposit, the account earns no interest for that statement cycle.

Key Features:

• $0 monthly fee, $0 minimum balance

• Interest requires $1,500+ in monthly direct deposits, with higher rates for added debit card, Axos Invest and loan payment activity

• ATM fee reimbursements

• Fully online account management for both partners

Read our full Axos Rewards Checking review

Consumers Credit Union Free Rewards Checking

Consumers Credit Union's Free Rewards Checking can be opened as a joint account and offers one of the highest potential rates in this comparison, up to on balances up to $10,000. Members earn on each month they enroll in eDocuments, make 12+ debit card purchases and receive $500+ in deposits (direct deposits, ACH credits or mobile check deposits). Adding $500 in monthly CCU Visa credit card spending earns similar rates, and $1,000 earns the top rate. The CCU Visa is subject to credit approval. For a couple with steady, predictable spending, that's meaningfully more than a standard joint account earns.

Membership is open to anyone nationwide for a one-time $5 fee, and the account includes ATM fee refunds across a network of 30,000+ fee-free ATMs. CCU's own branches are concentrated in Illinois, relying instead on shared branching with other credit unions for nationwide access.

The higher CCU Visa tiers only pay off if you pay the card in full each month; carrying a balance can wipe out the rate boost in interest charges. Missing the Visa spending moves you down a tier, but missing a base requirement drops the rate down for that month. For a couple who can consistently meet the requirements and pay off the card, it's the strongest rate in this comparison.

Key Features:

• Nationwide membership available for a small one-time fee

• Tiered rates based on monthly debit card, deposit, eDocuments and CCU Visa activity

• ATM fee refunds for qualifying members

• Shared branching access with other credit unions

• No monthly maintenance fee

Read our full Consumers Credit Union Free Rewards Checking review

How to Choose the Best Joint Checking Account

A few practical questions can help narrow down the right joint account for your household:

• Do you want the option of a branch? Capital One, Bank of America, and Wells Fargo all offer in-person access; SoFi and Axos are online-only.

• Would a boosted rate actually pay off for you? Consumers Credit Union and Axos both reward specific monthly activity. If your household's spending is steady and predictable, that can be real money; if not, a flat fee-free account may be more reliable.

• Do you want to combine checking and savings, or keep them separate? SoFi combines both into one account, which some couples find simpler, and others find less organized than separate buckets.

• Want ATM fees covered no matter where you bank? Axos reimburses out-of-network ATM fees, and Consumers Credit Union refunds them for members who meet the rewards checking requirements, which is useful if your household relies on out-of-network ATMs regularly.

Whichever account you choose, both partners should review the account agreement together. Joint accounts typically give both owners equal rights to withdraw funds and make changes, which is worth discussing openly before opening one. Deposit insurance also scales with ownership: joint accounts at FDIC-insured banks are insured up to $250,000 per co-owner, and NCUA coverage at credit unions works similarly.

"With a joint account, both account holders are liable, which means you are both fully responsible for unpaid fees, overdraft charges, and any other debts associated with the account. Also, if a creditor secures a lien or judgment against one of you for unpaid taxes, debt, or child support, they can legally freeze or garnish the entire balance of your joint account, which can catch people off guard," says Christy Hertz, Co-Founder and Managing Partner, Hertz Sager.

Your Questions, Answered (FAQs)

Do both people need good credit to open a joint checking account?

Most banks primarily check ChexSystems history rather than a traditional credit score when opening a checking account, and typically both account holders are checked. A past banking issue on one person's record can sometimes affect the application.

Can one partner remove the other from a joint account?

Bank policies vary, but most joint checking accounts give both owners equal rights, and removing a co-owner typically requires that person's consent or a new account to be opened. Check the specific bank's policy before assuming either way.

Is it better to have a joint account or keep separate accounts?

There's no universally right answer. Whether you should have a joint account or separate accounts depends on how a couple prefers to manage shared bills versus individual spending. Many couples use a hybrid approach: a joint account for shared expenses alongside individual accounts for personal spending.

Our Methodology

We compared joint checking accounts on monthly fees and minimum balance requirements, ATM and branch access, mobile app features relevant to shared finances, and any rewards or overdraft-protection features that could meaningfully affect a shared household budget.

Account terms were pulled directly from each provider's own disclosures and account pages rather than third-party aggregators, and cross-checked for consistency at the time of writing. Because fees and rates can change, we recommend confirming current terms directly with the provider before opening a joint account.

Bottom Line

The best joint checking account depends on how your household actually banks: SoFi offers the simplest fee-free setup for a couple comfortable online, Capital One, Bank of America, and Wells Fargo add the option of in-person help, and Axos and Consumers Credit Union offer a path to a meaningfully higher rate for couples who can consistently meet monthly requirements together.

Disclaimers

SoFi Disclaimer:

1. $50 or $400 Bonus/APY
New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

2. APY disclosures
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 9/23/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet

3. Fee Policy
We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/

4. Additional FDIC Insurance
SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.

5. ATM Access
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.

6. Early Access to Direct Deposit Funds
Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.

7. Overdraft Coverage
Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.

8. 1.10% Savings APY Boost (Offer 170.5)
Earn up to 4.40% Annual Percentage Yield (APY) on one SoFi Savings account with a 1.10% APY Boost (added to the 3.30% APY as of 10/20/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/27. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.

¹Earn a $250 bonus with 360 Checking. Open a new account on or after August 22nd, 2024 using the promo code CHECKING250, then set up and receive at least 2 direct deposits of $500 or more within 75 days of account opening. Terms Apply.

Bank of America Disclaimer:

¹UP TO $500 OFFER FOR ADVANTAGE PLUS AND ADVANTAGE RELATIONSHIP ACCOUNTS

Offer is limited to individuals who have not owned or co-owned a Bank of America personal checking account within the last twelve (12) months. Fiduciary accounts (e.g., trusts), Bank of America Advantage SafeBalance Banking®, Bank of America Advantage SafeBalance Banking® for Family Banking accounts, and business accounts are not eligible for this offer. Bonus is only valid for one new Bank of America Advantage Plus Banking® account or one new Bank of America Advantage Relationship Banking® account. Offer cannot be combined with any other checking bonus offer and is limited to one bonus per account and per customer. Offer expires on January 31, 2027. Bank of America may change or discontinue this offer at any time before this date without notice.

You may receive different Bank of America promotional checking offers by various methods, i.e., mail, in person or email/online. These promotional checking offers may have different eligibility, enrollment, and bonus requirements.

Requirements to Receive a Checking Bonus:

1. Enroll in this offer through a Bank of America or Merrill associate or online through this offer’s webpage.

2. Open a new Bank of America Advantage Plus Banking® account or a new Bank of America Advantage Relationship Banking® account by January 31, 2027.

Bank of America Advantage SafeBalance Banking® and Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.

3. Set up and receive Qualifying Direct Deposits into that new Advantage Plus or Advantage Relationship account within ninety (90) days of account opening (“Deposit Period”).

At the end of the 90-day Deposit Period, all Qualifying Direct Deposits will be totaled to determine the bonus amount you may earn (see Bonus Chart).

“Bonus Chart”After the Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus directly into your new Bank of America Advantage Plus Banking® or Bank of America Advantage Relationship Banking® account within sixty (60) days. Offer is not valid if you or we convert your account to a different account type during the Deposit Period and/or up to and including the date any earned bonus would have been paid. Your new account must be open and in good standing up to and including the date any earned bonus is paid.

A “Qualifying Direct Deposit" is a direct deposit of regular monthly income (such as your salary, pension or Social Security benefits, which are made by your employer or other payer) using account and routing numbers that you provide to them.

Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, or transfers from a bank or brokerage account or Merrill investment account.

Your receipt of any bonus is subject to validation that you have provided all the information we require in connection with maintaining the account. This includes information needed to identify each account owner and to report the bonus to the Internal Revenue Service (IRS), including a validly completed IRS Form W-9 or Form W-8 (as applicable). The value of this bonus may constitute taxable income to you. To the extent required by law, Bank of America may withhold tax or other amounts from the payment. Bank of America may issue an IRS Form 1099 (or other appropriate form) to you that reflects the value of such bonus. Please consult your tax advisor, as neither Bank of America, its affiliates, nor their employees provide tax advice.Additional Terms and Conditions: All account applications are subject to approval. The minimum deposit required to open a Bank of America Advantage Plus Banking® account is $100. The minimum deposit required to open a Bank of America Advantage Relationship Banking® account is $100, and the Annual Percentage Yield (APY) is as follows: less than $50,000, 0.01%; $50,000 and over, 0.02%. APYs are accurate as of 07/01/2026. For today’s rates, select the applicable account at bankofamerica.com/depositsrates. Rates may change at any time without prior notice, before or after the account is opened, and may vary by location. Fees may reduce earnings. Accounts, product terms, and fees may vary by location, and we may discontinue and/or add new account types at any time.

Please consult a financial center, visit bankofamerica.com or see the Personal Schedule of Fees (found at bankofamerica.com/fees) for account fees and additional information about accounts.

Reproduction, purchase, sale, transfer or trade of this offer is prohibited.

Zelle® should only be used to send money to friends, family or others you trust. We recommend that you do not use Zelle® to send money to those you do not know. Transfers require enrollment in the service with a Zelle® eligible U.S. checking or savings account. Bank of America transfers must be made from an eligible consumer or business deposit account. Transactions between enrolled users typically occur in minutes and Bank of America does not charge a transfer fee. We will send you an email alert with transaction details after you send money using Zelle®. Dollar and frequency limits apply. See the Online Banking Service Agreement at bankofamerica.com/serviceagreement for further details. Data connection required. Message and data rates may apply. Neither Bank of America nor Zelle® offers purchase protection for payments made with Zelle®. Please treat Zelle® payments like cash, once you send the money, you are unlikely to get it back – for example, you do not receive the item you paid for using Zelle® or the item received is not as described. Regular account fees apply.

Fiduciary accounts, including trust and estate accounts, do not qualify for the under the age of 25 requirement to waive the monthly maintenance fee. Additionally, accounts do not qualify for the under the age of 25 requirement to waive the monthly fee based on the age of the Payable on Death beneficiary. When you add an owner under the age of 25 to an existing Advantage SafeBalance Banking® account, it may take 3 business days before your account meets the requirement to have the monthly maintenance fee waived. Please refer to the Personal Schedule of Fees for more information.

SafeBalance Banking® and SafeBalance Banking® for Family Banking accounts are automatically set to the Decline All overdraft setting. Transactions are declined or returned unpaid when they exceed your available balance. While this account prevents you from overdrawing in most cases, there may still be times when your account could have a negative balance. This could happen when the final amount of a transaction differs from the amount that was originally authorized, such as when a tip is added to a restaurant charge. If this happens, we won’t charge you an Overdraft Item Fee.

Balance Connect® for overdraft protection allows you to link your eligible checking account with up to 5 eligible Bank of America accounts for overdraft protection. This optional service can help you cover your payments and purchases and help avoid overdrafts and Overdraft Item Fees by automatically transferring available funds from your linked backup account(s) when needed. If your linked backup account does not have enough available funds to cover the necessary amount, we may decline to make the transfer.

Transfers from a linked (1) brokerage account with Merrill Lynch that is enrolled in margin lending, (2) Loan Management Account (LMA®), (3) credit card, or (4) HELOC are subject to interest charges. Please see your account agreement(s) for additional details. Balance Connect® is not available with SafeBalance Banking® or SafeBalance Banking® for Family Banking as a covered or linked backup account. Balance Connect® is available on Advantage Savings as a linked backup account, but not eligible to be enrolled as a covered account.

No fee for incoming domestic wire transfers, stop payments and other services. Please refer to the Personal Schedule of Fees for details.BofA Rewards exclusive deals. BofA Rewards™ members will be eligible for exclusive deal offers. All such offers are subject to the standard terms and conditions of the deals program. Refer to the Deals homepage for details.

BofA Rewards™ Eligibility. Customers can enroll and maintain their membership in BofA Rewards™ if they have an open, qualifying Bank of America® checking account. BofA Rewards tiers are based on each customer’s combined average balance in qualifying deposit and investment accounts. The minimum balance for each tier is: Member, no minimum balance; Preferred Plus, $30,000; Preferred Honors, $100,000; and Premier, $1,000,000. When you enroll, you’ll be placed in the appropriate tier for your combined average balance and then moved to the highest tier you’re eligible for based on one of the following:

1. for the 30 calendar days following your first enrollment, the combined end-of-day collected balance of your qualifying accounts (“Daily Balance”), provided that your Daily Balance remains above the required amount for a minimum of three business days; or

2. subsequently, the combined average balance of your qualifying accounts calculated on the third business day of each month.

Eligible customers will be moved to the higher tier within 3 business days. New tier benefits may take up to 30 days to become effective. For full terms, including qualifying accounts and the method of calculation of average balances, refer to your Personal Schedule of Fees.

Additional Eligibility.Employees and retirees of Bank of America may be eligible for BofA Rewards membership on customized terms. For details, please call Employee Financial Services or refer to the Bank of America intranet site. Bank of America Private Bank clients qualify to enroll in the Premier tier regardless of balances. Employees of companies participating in the Bank of America Employee Banking and Investing Program may be eligible for BofA Rewards on customized terms.

Refer to CEBI Program for details.

To participate, you just need an eligible Bank of America checking account. Checking accounts may have a monthly maintenance fee if waiver requirements are not met.

Bank of America Advantage SafeBalance Banking, Bank of America Advantage Plus Banking, Bank of America Advantage Relationship Banking, Bank of America and the Bank of America logo are registered trademarks of the Bank of America Corporation.

BofA Rewards is a trademark of Bank of America Corporation.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Wells Fargo Everyday Checking Disclosure:

*How to qualify for this offer

To be eligible: Offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. Offer is not available to customers that received a bonus for a Wells Fargo consumer checking account within the past 12 months, are Wells Fargo employees, or are non-resident aliens or foreign entities signing any version of IRS Form W-8. Deposit accounts that are part of the Wells Fargo Private Bank experience are not eligible for this offer.

To receive the $325 bonus: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by January 13, 2027 and receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening (the "qualification period"). A qualifying electronic deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow^SM Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying electronic deposit. An ACH direct deposit made available early with Early Pay Day does not count toward the bonus requirements until it posts to your account and is no longer pending (e.g., scheduled payment date).

Once you have met all requirements, we will deposit the bonus into your new account within 30 calendar days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. We may close accounts with a zero balance without prior notice. You are responsible for any taxes due on the bonus. We will report the bonus as income to tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities.

Other Terms: This offer may be discontinued or changed at any time without notice and cannot be combined with any other consumer deposit offer (limit one bonus per customer/account). Offer cannot be reproduced, purchased, sold, transferred, or traded. If we suspect bonus or promotional offer abuse, we may close or restrict the account and decline or reverse any bonus.

Talk with a banker or see the “Consumer Account Fee and Information Schedule” and “Deposit Account Agreement” available at wellsfargo.com/depositdisclosures for complete checking account details, including the applicable monthly service fee and options to avoid it. The actions required for this bonus are separate from the actions available to avoid the monthly service fee.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Consumers Credit Union Disclaimer:

*APY = Annual Percentage Yield. CCU’s free Rewards Checking account is a tiered rate account based on qualifying activity. For balances from $ .01 - $10,000, the rate is based on qualifying activity and can range from 3.00% - 5.00% APY if minimum qualifications are met. For all tiers, if minimum qualifications are met, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY. If minimum qualifications are not met, balances will earn .01% APY. Please see all terms and conditions on qualifying rate tiers. Fees may reduce earnings. No minimum balance required. This is a variable rate account and may change after the account is opened. APY’s are accurate as of 02.09.2026.

¹Early Direct Deposit fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason we cannot guarantee early deposits in all cases.