ABCCHECKING BONUS NAVIGATION

ABC Dashboard

One place to see the next move for each checking bonus. Junior tracks the details; participants handle their own bank and payroll actions.

Updated September 26, 2026 · Read-only
AT A GLANCE

ABC overview

LIVE OFFERS2Sean, Drew
REMAINING POTENTIAL$950Likely · up to $1,050
NEXT PARTICIPANT ACTIONSean: Tell Junior if you can open by October 6 and route real payroll
OVERDUE ACTIONSNone ✓No known overdue participant step
NEXT MOVE

🚨 Action now

Participant steps only
Sean · Wells Fargo

Tell Junior if you can open by October 6 and route real payroll

A queued offer is not permission to apply.
Sean · Chase

If Chase still receives payroll, restore routing to regular checking

Cory told Sean he could stop Chase direct deposit; actual rerouting is unconfirmed.

Junior also watches Drew · U.S. Bank: first qualifying payroll credit is expected; next check .

PARTICIPANT

Sean

1 live offer
DD SLOTAvailable
LIVE OFFERS1/2
NEXT QUEUEDWells Fargo Everyday Checking
EARLIEST NEXT STARTAfter Sean confirms readiness and Junior refreshes the official terms; opening deadline 2026-10-06.
LIVE OFFER

Chase Checking + Savings

Waiting
$900 total · $300 paid · $600 waitingNov 29 hold ends · Nov 30 release check

Next: If payroll still goes to Chase, restore regular routing. Junior tracks the Savings hold.

Checking DD complete

How this works: The $900 Chase checking-and-savings promotion has paid its $300 checking piece. Keep the Savings qualification balance in place through November 29. Junior will check whether $14,700 can leave Savings on November 30, then watch for the remaining $600 before clearing account closure.

Your checklist

4 completed · participant, Junior, and bank steps are marked

📄 Historical terms record
See the full route

Now

  • 👤 YOU
    If Chase still receives payroll, restore routing to regular checking
    Cory told Sean he could stop Chase direct deposit; actual rerouting is unconfirmed.

Upcoming

  • 🤖 JUNIOR
    Verify continuous balance and safe Savings release
    Confirm no intervening shortfall before giving Sean the green light.
  • 👤 YOU
    After Junior clears it, move $14,700 from Savings; leave $300 plus interest
    Move from Savings, not Checking. Date is conditional on Junior’s safe-release check.

Waiting for

  • 🤖 JUNIOR
    Track Savings hold through November 29
    Do not release the qualification balance early.
  • 🏦 BANK
    Post the remaining $600 savings and combination rewards
    Junior checks by December 15 after the 90-day hold.

Exit

  • 🤖 JUNIOR
    Confirm all $900 posted and review fees and closure restrictions
    May move if payout arrives earlier or later.
  • 👤 YOU
    Close the accounts only after Junior gives the green light
    No fixed closure date; bonus posting and final checks control it.

Done

  • 👤 YOU
    Open Chase Checking and Savings
    Opened through grandfathered combination promotion.
  • 👤 YOU
    Fund Savings with $15,000
    Qualification balance held in Savings, not Checking.
  • 🏦 BANK
    Qualifying checking payroll direct deposit posted
    Posted by September 19; exact posting date not recorded.
  • 🏦 BANK
    $300 checking reward posted
    Posted by September 19; exact posting date not recorded.
Your route
NOW

Restore normal payroll routing if Chase still receives it.

NEXT

Junior checks the Savings hold through Nov 29.

WAIT

Chase posts the remaining $600 after qualification.

EXIT

Move $14,700 from Savings only after Junior’s green light; close after all bonuses post.

Important

DO Keep Savings funded through November 29 and both accounts open until the remaining bonuses post.

DON’T Do not move $14,700 early or close either account before Junior confirms the final bonuses.

When money can move: After Junior confirms the full hold, Sean may move $14,700 from Savings to his regular account on November 30, leaving $300 plus interest in Savings.
When accounts can close: After the remaining $600 posts and Junior checks fees and restrictions. Sean performs the closures himself.
PARTICIPANT

Drew

1 live offer
DD SLOTOccupied by U.S. Bank
LIVE OFFERS1/2
NEXT QUEUEDNone cleared
EARLIEST NEXT STARTAfter Junior confirms at least two qualifying DDs totaling $5,000; $8,000 is an optional stretch.
LIVE OFFER

U.S. Bank Bank Smartly Checking

Waiting
$350 likely · $450 possibleOct 2 first-credit check · Dec 7 DD deadline

Next: Junior checks the first posted payroll credit on Oct 2. Drew moves available excess after it posts.

Qualifying DD verified: not yet recorded · $5,000 base / $8,000 stretch

How this works: Bank Smartly Checking pays $350 after at least two qualifying payroll or government direct deposits total $5,000 within 90 days. The $450 tier requires $8,000. Drew set up payroll, but the first posted credit is not yet verified. Junior will track the deposits and payout.

Your checklist

3 completed · participant, Junior, and bank steps are marked

📄 Historical terms record
See the full route

Upcoming

  • 🤖 JUNIOR
    Verify first posted payroll date and amount
    Count only a posted qualifying credit, not a pending early-pay notice.
  • 👤 YOU
    After each posted credit, move available excess to regular checking
    Leave $25 plus any known fee cushion in Checking.
  • 🤖 JUNIOR
    Check Checking and companion Savings fee treatment
    A bonus-period total does not guarantee a monthly fee waiver.
  • 🤖 JUNIOR
    Check total before the final expected regular paycheck
    Two or more qualifying deposits totaling $5,000 earn $350; $8,000 earns $450.
  • 🤖 JUNIOR
    Run the safety-buffer qualification review
    Recalculate from actual posted credits and known payroll dates.
  • 👤 YOU
    Keep payroll routing until Junior confirms the achieved tier
    Qualification deadline December 7; do not force extra deposits solely for the $450 stretch.
  • 🤖 JUNIOR
    Check final qualifying-deposit deadline
    At least two posted qualifying deposits totaling $5,000 earn $350; $8,000 earns $450.

Waiting for

  • 🏦 BANK
    First qualifying payroll credit is expected
    If absent, Junior checks the actual effective payday and reschedules.
  • 🏦 BANK
    Pay the earned bonus within 30 days after qualification
    Junior recalculates the payout check when actual qualification is known.

Exit

  • 🤖 JUNIOR
    Confirm bonus posting and safe account exit
    Review any fee and companion Savings restriction.
  • 👤 YOU
    Close unnecessary accounts after Junior gives the green light
    Drew performs bank-facing closure actions.

Done

  • 👤 YOU
    Open Bank Smartly Checking and Savings; fund each with $25
    Both were opened through the promotion.
  • 🏦 BANK
    Checking confirmation showed “Bonus Offer: Added”
    Promotional enrollment shown at opening.
  • 👤 YOU
    Set up employer direct deposit to Checking
    First effective payday and routed amount remain unverified.
Your route
NOW

No new setup step. First payroll credit is expected Oct 2.

NEXT

Junior counts posted deposits toward $5,000; $8,000 is an optional stretch.

WAIT

U.S. Bank pays the earned tier within 30 days after qualification.

EXIT

Move available excess after each posted DD; close accounts only after Junior clears them.

Important

DO Keep real payroll direct deposit in place until Junior confirms the achieved tier; keep Checking open and positive.

DON’T Do not count normal transfers as payroll direct deposits or close Checking before the bonus posts.

When money can move: After each payroll credit posts and is available, Drew moves excess to his normal checking. Leave $25 plus any known fee cushion. Use a free instant external transfer if eligible; otherwise use outbound ACH.
When accounts can close: After the earned bonus posts and Junior confirms no remaining restriction. Junior will assess whether companion Savings can close earlier.
NEXT OPPORTUNITY

🕓 Coming up

Sean · Wells Fargo Everyday Checking

Queued

$500 potential bonus

Why waiting
Tell Junior if you can open by October 6 and route real payroll Refresh official promotion and fee evidence immediately before opening
Earliest start
After Sean confirms readiness and Junior refreshes the official terms; opening deadline 2026-10-06.
Opening deadline

Showing here is not permission to open the account. Sean performs the application only after Junior clears it.

📄 Official offer evidence
HISTORY

✅ Completed

No full offer has finished yet. $300 in bonus components has posted across active offers.
LEARNING, NOT A GATE

Year 1 pilot

These numbers help Junior make the process smoother. Year 1 has no automatic Cory-time or dollars-per-hour rejection threshold.

Bonuses attempted
2 opened offers
Bonuses earned
1 paid component; 0 full offers complete
Application approvals
2 known
Application denials
2 known
Total bonuses earned
$300
Cory’s 1/3 share earned
$100 attributable; payment unconfirmed
Cory-time recorded
Not yet recorded
Average Cory-time / offer
Not yet measurable
Effective $ / Cory-hour
Not yet measurable
Missed bonuses
0 confirmed

Friction seen: Application declines; first effective payroll date and amount can be uncertain.

Next simplification: Capture effective payday and routed amount once; return available excess after each qualifying deposit posts.

SOURCE RECORD

Offer evidence

Sean · Chase Checking + Savings

Historical terms record. This account opened before Junior’s evidence-retention rule. A contemporaneous official capture is unavailable, so this is not presented as an original offer pack.

The $900 Chase checking-and-savings promotion has paid its $300 checking piece. Keep the Savings qualification balance in place through November 29. Junior will check whether $14,700 can leave Savings on November 30, then watch for the remaining $600 before clearing account closure.

Official bank promotion URL · the live page may no longer show the version used at opening.

Drew · U.S. Bank Bank Smartly Checking

Historical terms record. This account opened before Junior’s evidence-retention rule. A contemporaneous official capture is unavailable, so this is not presented as an original offer pack.

Bank Smartly Checking pays $350 after at least two qualifying payroll or government direct deposits total $5,000 within 90 days. The $450 tier requires $8,000. Drew set up payroll, but the first posted credit is not yet verified. Junior will track the deposits and payout.

Official bank promotion URL · the live page may no longer show the version used at opening.

Sean · Wells Fargo Everyday Checking

Official source: Wells Fargo promotion · captured September 26, 2026.

Relevant official captures and searchable verbatim clauses. Junior refreshes this pack immediately before application if terms change.

Read relevant official clauses
Wells Fargo Everyday Checking $500 — official terms extract
Captured: Saturday, September 26, 2026 at 8:00 PM America/Los_Angeles
Official promotion: https://accountoffers.wellsfargo.com/offerbonus/
Official closure FAQ: https://www.wellsfargo.com/help/checking-savings/open-close-account-faqs/
Application link shown by official Open online button: https://connect.secure.wellsfargo.com/xapi/product-service-research/explore/v1/router/exit?prodSet=APP2K&prodCode=CHK-RC&mktoffer=WT26WB

PROMOTIONAL PAGE — VERBATIM RELEVANT TEXT

Get a
$500
new
checking
customer bonus*

As a new Wells Fargo checking customer, enjoy a $500 bonus when you open a new Everyday Checking account** and make $1,000 or more in qualifying direct deposits within 90 days of account opening.

Open online >>

Your bonus offer code will be automatically applied to your Everyday Checking account when you complete your online application from this offer webpage.

Learn how to avoid the $15 monthly service fee.

Offer ends October 6, 2026

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 $500 bonus: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by October 6, 2026 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℠ 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. Your new account must stay open through the time we attempt to deposit the bonus. We may close accounts with a zero balance without prior notice.

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.

**The Wells Fargo Everyday Checking account monthly service fee is $15. Minimum opening deposit is $25.

The monthly service fee can be avoided with one of the following each fee period:

$1,500 minimum daily balance.

$500 or more in total qualifying electronic deposits.
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℠ 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.

CLOSURE FAQ — VERBATIM RELEVANT TEXT

You can request to close your account anytime. We can close most accounts immediately when:
The account has a positive or zero balance.
All deposits, outstanding and pending items are posted.

Accounts with a zero balance will continue to be charged applicable fees (like the monthly service fee) until you request to close your account.
View official captures
Official promotional page
Official promotional page · captured Sep 26, 2026
Official closure conditions
Official closure conditions · captured Sep 26, 2026
Official zero-balance fee note
Official zero-balance fee note · captured Sep 26, 2026