[Expired] Chase $350 Checking + Savings Bonus [In-Branch Only]

Deal has expired, view more bank account bonuses by clicking here

Nota bene: this offer is inferior to the up to $500 bonus coupon that we’ve written up here. I’m posting it anyway, for a few reasons: (a) it’s a bonus; (b) as long as you request a coupon now, it won’t expire until October 16, 2017 – instead of August 7, 2017 for the up to $500 bonus; (c) the requirements for the $150 savings bonus are lower than for the $200 bonus. As a result of (c), if you can float a $10,000 deposit for 90+ days (but not a $15,000 deposit), you can combine the $150 savings bonus from this coupon with the $300 Total Checking bonus and net $450.

Note additionally that the $300 Chase Premier Plus Checking bonus is back until October 16, 2017 as well, which is an extra $100 compared to this offer – if you can swing the requirements. Chuck will likely have his post on the subject refreshed soon.

Offer Details

• Maximum bonus amount: $350 ($200 checking & $150 savings).
• Availability: Nationwide, but account must be opened in branch.
• Direct deposit required: Yes, no minimum. Click here to view what triggers this bonus.
• Additional requirements: Savings bonus requires a $10,000 balance.
• Hard/soft pull: Soft.
• ChexSystems: No.
• Credit card funding: Not available when opening in branch.
• Monthly fees: $12, waivable.
• Early account termination fee: Bonus taken back if closed within six months.
• Expiration date: October 16, 2017 January 18th, 2018 July 16, 2018

The Offer

Direct link to offer.

• Receive a bonus of $200 when you open a Chase Total Checking account with an opening deposit of at least $25, AND have a direct deposit post to the account within 60 days of opening.
• Receive a bonus of $150 when you open a Chase Savings account, AND deposit $10,000 or more in new money within 10 business days, AND maintain a balance of $10,000 for 90 days.

Click “Email me my coupon!” at the above link, then enter your email address, and Chase will instantly send a unique coupon code which can be used at a Chase branch to open the checking for a $200 bonus, or the savings for a $150 bonus, or both for a $350 bonus total.

The Fine Print

• Valid through 10/16/17.
• 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 with fiduciary accounts, or those whose accounts have been closed within 90 days, or those whose accounts have been closed with a negative balance.
• Minimum $25 initial deposit on Chase checking.
• You can receive only 1 new checking and 1 new savings account opening related bonus per calendar year, and only 1 bonus per account.
• Bonuses are considered interest and will be reported on IRS Form 1099-INT.
• 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. See our list of what counts as a direct deposit here.
• Bonuses will be deposited within 10 business days of meeting the requirements.
• The $10,000 in new money for the Chase Savings account bonus cannot be funds held by Chase or its affiliates.

Avoiding Fees

Savings Account

The Chase Savings Account comes with a monthly service fee of $5, which is waived by any of the following conditions:

• Keep a minimum daily balance of $300 or more, OR
• Have at least one repeating automatic transfer from your Chase checking account of $25 or more (one time transfers do not qualify), OR
• Have a linked Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking account

Total Checking Account

The Chase Total Checking account comes with a monthly service fee of $12, which is waived by any of the following conditions:

• Have monthly direct deposits totaling $500 or more, OR
• Keep a minimum daily balance of $1,500 or more in the checking account, OR
• Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings, and other balances

Early Account Termination Fee

Chase does not have an early account termination fee, but you forfeit the bonus if you close either account within 6 months of account opening.

Our Verdict

Clearly, it’s not as good as the $500 Checking + Savings bonus, which isn’t usually publicly available. It is possible to combine the Savings coupon from this offer with the Total Checking coupon from the $500 offer, but you’re better off floating the extra $5,000 for the extra $50. If for some reason you can’t do the $500 Checking + Savings bonus by August 7, 2017, this offer will still be available – but do be aware that coupon links sometimes run out, and it’s a good idea to get the coupon now if you’re considering this deal. (Likewise, though, the $300 Premier Plus Checking bonus will still be available and you’d want to strongly consider doing that if you were doing this Savings bonus.)

If you’d like a step-by-step guide to getting this bonus, check out the Our Verdict section of Chuck’s post about the $500 Checking + Savings bonus.

Normally, the smart bet would be to wait for another $500 Checking + Savings bonus, instead of burning your eligibility on this bonus. However, it would make sense to use this offer given the following:

• The $500 Checking + Savings bonus has expired, leaving at most 4.75 months in the calendar year; AND
• You can’t swing the requirements to keep the Premier Plus Checking account fee-free; AND
• You haven’t received a Chase bonus during the current calendar year; AND
• There is enough time to left in the calendar year to get the bonus this calendar year (so that you aren’t locked out of bonuses in the next calendar year).

If all of those conditions are true for you, your options are (a) get up to $350, or (b) get nothing. I’d recommend (a)!

Chase bank bonuses are some of the best bank bonuses around. With no minimum on the direct deposit requirement and an easy way to keep the account(s) fee-free, the bonuses are a nice chunk of change. If you’ve never completed a bank bonus before and the above bulleted list holds true for you, this bonus can be a good one to start with.

Don’t forget to check your Chase preapproved credit card offers while visiting a Chase branch; you might get lucky and end up with a Sapphire Reserve or an Ink Preferred pre-approval!

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications