Case Study: Wells Fargo $400 Bonus Timeline
Opened alongside U.S. Bank during the same Seattle trip. Used SoFi and U.S. Bank ACH transfers as fake DD to meet the $3,000 direct deposit requirement.
Wells Fargo’s $400 sign-up bonus requires $3,000 in direct deposits within 90 days. I opened this account on the same trip as U.S. Bank — drove from Vancouver to Seattle on July 23 and hit two branches in one afternoon.
Background conditions were the same as the previous post: ITIN, a friend’s Bellevue address, a SoFi account, and a U.S. bank statement as proof of address. Fake DD method referenced from Doctor of Credit’s DD data collection page.
Doctor of Credit: List Of Methods Banks Count As Direct Deposits
July 23 · In-Branch Account Opening
Opened the account at a Wells Fargo branch in Bellevue. Deposited $25 on the spot.
July 25 · SoFi → Wells Fargo
Initiated an ACH transfer of $3,000 from SoFi to Wells Fargo. Upon arrival, it was recognized as a direct deposit. First fake DD done.
Aug 8 · SoFi → Wells Fargo
Sent a second ACH transfer of $2,000 from SoFi to Wells Fargo.
Aug 18 · U.S. Bank → Wells Fargo
Initiated an ACH transfer of $501 from the U.S. Bank account opened during the same trip.
Oct 24 · Bonus Arrived
$400 sign-up bonus landed.