| Written by: Jenn Alvarez

Chase Family Bank Bonus

We're all about onboarding the next generation of award travelers. One surefire way to get a teen interested in the hobby: Introduce them to bank bonuses. Chase is now running a promotion encouraging families to open checking accounts for themselves and their teen(s). Meet the requirements, and your teen will earn $125 while you'll earn $400. That's a great way to help them start saving—and also teach them why the world of award travel is so cool. Let's take a look at the Chase family bank bonus offer.

Chase Family Bank Bonus

Chase High School Checking Portion – $125 Bonus

First, provide your email address on the Chase family bank bonus offer landing page to get your offer codes. Then, your teen can earn $125 from the Chase family bank bonus offer by completing the following steps:

  • Bring the offer codes to a Chase branch to open your accounts together. As the parent/guardian, you will be the co-owner of the account, and you will need to have an eligible Chase checking account and be present at account opening.
    • The Chase Total Checking® account can be opened online first if desired, but the High School Checking account must be opened in branch.
  • The teen will need to bring two acceptable forms of ID.
  • After you open a new Chase High School CheckingSM account together, the teen accountholder will need to complete at least 5 qualifying transactions within 60 days of offer enrollment, including:
    • Debit card purchases
    • Zelle®
    • ACH Credits
    • QuickDepositSM
    • Online bill payments
  • An offer code is eligible for multiple teens in the same household.
  • The bonus will be deposited within 15 days after all requirements are completed and the five qualifying transactions have posted.
  • Offer expires 10/14/26.

Chase Total Checking Portion – $400 Bonus

Get a $400 bonus from the Chase family bank bonus offer when you:

  • Open a new Chase Total Checking® account.
  • Make direct deposits totaling $1,000 or more within 90 days of offer enrollment.
  • The bonus will be deposited in your account within 15 days of completing direct deposits.
  • Offer expires 10/14/26.
Chase Family Bank Bonus

How to Keep Your Accounts Fee-Free

If you grab the Chase family bank bonus offer, note the ways you can keep your accounts fee-free. New and converted Chase Total Checking accounts will not be charged a monthly service fee for at least the first two statement periods. Otherwise, the High School Checking account has no monthly service fee as long as:

  • The student accountholder is between the ages of 13 and 17, opens the account with their parent/guardian as a co-owner and the account is linked to the parent/guardian's personal checking account.
    • Linked accounts exclude Chase High School CheckingSM, Chase College CheckingSM, Chase Secure CheckingSM, and Chase First CheckingSM.
  • When the student turns 19, the Chase High School Checking account will become a Chase Total Checking® account. At that point, you'll want to note the same process for keeping your own account fee-free, detailed below.

The Chase Total Checking® account has a $15 monthly service fee, which you can waive by meeting one of four requirements:

  • Completing $500+ in qualifying electronic deposits during each statement period, or
  • Maintaining a $1,500+ balance at the beginning of each day, or
  • Holding a $5,000+ average beginning day balance in this account or in combination with any linked qualifying personal deposits or in qualifying investments, or
  • Linking this account to a qualifying checking account
Link To Offer
Chase Family Bank Bonus

Eligibility for the Bonuses

Note that accounts opened via the Chase family bank bonus offer are subject to approval, and that the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Here are the terms for who is eligible:

For the Chase Total Checking bonus:

  • The offer is not available to existing Chase checking customers or those whose accounts have been closed within the past 90 days or closed with a negative balance within the past three years.
  • You can receive only one new checking account-opening-related bonus every two years from the last coupon enrollment date and only one bonus per account.
  • The coupon is valid for one-time use.

For the Chase High School Checking bonus: Your child can receive only one new checking account-opening-related bonus every two years from the last coupon enrollment date and only one bonus per account.

Link To Offer

What Works as a Direct Deposit?

We know that some people either don't receive direct deposits or are limited in their ability to change their direct deposit selection. We are often asked if there is another way to trigger these bonuses. Doctor of Credit is a good resource for tracking data points about what may or may not work. When it comes to the Chase family bank bonus offer, it's likely YMMV.

Chase Family Bank Bonus

Chase Family Bank Bonus: ToP Thoughts

Start them young! Helping your kids dip their toes in bank bonuses is a fun way to start introducing them to award travel. Just be sure to read the offer terms closely together. Note that Chase considers these bonuses interest and will report them on IRS Form 1099-INT (or Form 1042-S, if applicable). If you can't take advantage of a family offer, be sure to also check out this massive $900 Chase checking and savings combo bonus. Let us know in the ToP Facebook Group if you and your kiddo grab the Chase family bank bonus.