Massive New Bank Bonus: Up to $900 for Opening A Chase Total Checking Account 

Offer Details

To take advantage of the Chase checking account bonus, you’ll need to complete the following steps. Once you’ve completed the requirements, your bonus the bonus tier will be determined at day 90 and then will be deposited into your account within 15 days.

• Open a new Chase Total Checking account: Apply online at the offer landing page using the promotional offer code (which will be automatically applied to your application). Or, you can request a code by email and bring it to a Chase branch when opening your account.
• Set up qualifying direct deposits: Have at least $2,500 in eligible direct deposits made into your new account within 90 days of enrolling in the offer. The offer features three bonus tiers (see below) based on the total amount of qualifying direct deposits received within 90 days of offer enrollment. Chase will determine your bonus tier based on the total qualifying direct deposits received during the 90-day promotional period.
• Offer expires 01/27/2027.

How To Keep Your Account Fee-Free:

Chase Total Checking® accounts normally have a $15 monthly service fee, but you can avoid it by meeting one of the following requirements each monthly statement period:

• Qualifying electronic deposits: Receive $500 or more in qualifying electronic deposits.
• Minimum daily balance: Maintain a balance of at least $1,500 at the beginning of each day.
• Combined balances: Maintain an average beginning-day balance of at least $5,000 in this account OR across eligible linked Chase deposit and investment accounts.
• Linked checking account: Link your account to another qualifying Chase checking account.
• Note: Chase also waives the monthly service fee for at least the first two statement periods on new accounts.

Link To Offer

Eligibility for the Bonus

According to the terms, the Chase checking account bonus is NOT available to:

• Existing Chase checking account customers.
• Customers who closed a Chase checking account within the past 90 days.
• Customers who closed a Chase checking account with a negative balance within the past three years.
• Customers who have enrolled in a Chase checking account opening bonus offer within the past two years. Chase allows only one new checking account opening bonus every two years, measured from the last offer enrollment date, and one bonus per account.
• Chase reserves the right to change offer availability, and account approval is required. Accounts must remain open and unrestricted when Chase pays the bonus.

Link To Offer

What Works for Direct Deposits?

The Chase checking account bonus requires an electronic deposit of your paycheck, pension or government benefits, such as Social Security, directly from your employer or the government. The following deposit types are excluded: transfers from external bank accounts, transfers from brokerage or investment accounts, Zelle and other person-to-person payments, mobile check deposits or checks deposited at a branch, micro-deposits used to verify bank accounts, tax refunds, dividends and retirement distributions, wire transfers, debit card transactions and other direct payments.

Of course, we know that not everyone can easily change their direct deposit choice. Doctor of Credit is a good resource for tracking data points on what does and doesn’t work. Just know that there are no guarantees, and YMMV.