Offer Snapshot

Availability: Nationwide
Maximum bonus amount: $900
Direct deposit required: Yes, no minimum. Click here to view what triggers this bonus.
Additional requirements: Use promo code
Hard/soft pull: Soft (overdraft protection no longer being offered)
ChexSystems: Doesn’t pull
Credit card funding: Can fund up to $50 with a debit card online (prepaids do not work). Cannot fund with debit or credit in branch.
Monthly fees: $12, waivable
Early account termination fee: None
Household limit: None listed
Expiration date: October 16,2024

Requirement

Bonus/Account Information: Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. You can receive only one new checking and one new savings account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use.

‍To receive the checking bonus:

Open a new Chase Total Checking account, which is subject to approval;
AND Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle^®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 15 days.

To receive the savings bonus:

Open a new Chase Savings^SM account, which is subject to approval;
Deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment;
AND Maintain at least a $15,000 balance for 90 days from the coupon enrollment. The new money cannot be funds held by you at Chase or its affiliates. After you have completed all the above savings requirements, we’ll deposit the bonus in your new account within 15 days.

To receive the extra bonus: You must open the checking and savings account at the same time and complete all requirements above for BOTH the checking bonus and savings bonus. After you have completed all requirements, we will deposit the remaining bonus due in your new account within 15 days. To receive any of the above bonuses, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. The Annual Percentage Yield (APY) for Chase Savings^SM, effective as of 06/28/2024, is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account. Bonuses are considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Direct Offer link

Expiry Date

October 16, 2024

status

EXTENDED

Explore More

The Offer

Chase is offering a combined checking and savings account bonus worth up to $900 for new customers. Here's how to qualify:

$300 Bonus: Open a Chase Total Checking® account and set up a direct deposit of at least $500 within 90 days of opening.
$200 Bonus: Open a Chase Savings℠ account and deposit $15,000 or more in new money (funds not already held at Chase) within 30 days of opening the account. You must also maintain a balance of $15,000 for an additional 90 days.
Extra $400 Bonus: If you complete both of the above requirements, you'll earn an additional $400 bonus, bringing your total potential bonus to $900.

Keep in mind that there are minimum deposit and activity requirements to qualify for each bonus. Be sure to review Chase's official terms and conditions for all the details before opening an account.

Avoiding Monthly Fees

Service Fee: Chase Total Checking has no Monthly Service Fee when you do at least one of the following each statement period:
- Option #1: Have electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow^SM network, or (iii) third party services that facilitate payments to your debit card using the Visa^® or Mastercard^® network; OR,
- Option #2: Keep a balance at the beginning of each day of $1,500 or more in your checking account; OR,
- Option #3: Keep an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances. Otherwise a $12 Monthly Service Fee will apply.
Chase Savings^SM has no Monthly Service Fee when you do at least one of the following each statement period:
- Option #1: Keep a balance at the beginning of each day of $300 or more in your savings account; OR,
- Option #2: Have $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile^®); OR,
- Option #3: Have a Chase College Checking^SM account linked to this account for Overdraft Protection; OR,
- Option #4: Have an account owner who is an individual younger than 18; OR,
- Option #5: Have a linked Chase Premier Plus Checking^SM, Chase Sapphire^SM Checking, or Chase Private Client Checking^SM account. Otherwise a $5 Monthly Service Fee will apply.

‍

Early Account Termination Fee

There used to be an six-month period where you would lose the bonus if closed out, but sometime in 2022 (?) they removed that clause and so it’s now safe to close after you receive the bonus paid out.

The Fine Print

Checking and Savings: New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Product terms subject to change. For more information, please see a banker or visit chase.com/checking or chase.com/savings.

Chase $900 Checking and Savings Bonus

Jessica Brown

Jessica Taylor

August 4, 2024

The Offer

Avoiding Monthly Fees

Early Account Termination Fee

The Fine Print