Update 1/9/25: Extended through 4/16/25
Offer at a glance
- Maximum bonus amount: $900
- Availability: Nationwide, online or in-branch
- Direct deposit required: Yes, no minimum. Click here to view what triggers this bonus.
- Additional requirements: None for checking; $15,000 balance for savings
- Hard/soft pull: Soft
- 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:
Bonus taken back if closed within six monthsNone - Household limit: None listed
- Expiration date:
April 19, 2023January 24, 2024April 17, 2024
Contents
The Offer
Direct link to offer (incognito)
- Chase is offering a checking & savings bonus worth up to $900. Bonus is as follows:
- Receive a bonus of $300 when you open a Chase Total checking account and have a direct deposit post to the account within 90 days.
- Receive a bonus of $200 when you open a Chase savings account and deposit $15,000 or more in new money within 30 days and maintain a balance of $15,000 for 90 days.
- Receive an extra $400 bonus when you complete both of the above bonuses.
The Fine Print
- 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: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) 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: 1) Open a new Chase SavingsSM account, which is subject to approval; 2) Deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment; AND 3) 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 SavingsSM, effective as of 12/29/2022, 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).
Avoiding Fees
Savings Account
The Chase Savings Account comes with a monthly service fee of $5. Monthly fee is waived with any ONE of the following:
- Keep a minimum daily balance of $300 or more
- Have at least one repeating automatic transfer from your Chase checking account of $25 or more; one time transfers do not qualify
- Have a linked Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking account
New accounts will not be charged a Monthly Service Fee for at least the first two statement periods.
Checking Account
The Chase Total Checking account comes with a monthly service fee of $10-$12 which is waived if complete any of the following:
- Have monthly direct deposits totaling $500 or more
- Keep a minimum daily balance of $1,500 or more in the checking account
- Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances
New accounts will not be charged a Monthly Service Fee for at least the first two statement periods.
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.
Our Verdict
This is the best public bonus we’ve seen on this account, really excellent offer and much better than the prior $600 offer.
RELATED posts:
- How To Find The Chase Bank Account Bonus Tracker
- PSA: Don’t Use ACH-Pull for Chase Bank Account Openings, Avoid Account Lockup
- Does Chase Match a Checking or Savings Bonus? (Yes, For 21 Days)
- (Update) My Experience Signing Up For The $900 Chase Checking & Savings Bonus
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- 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
- Bank Bonus Posting Times
Post history:
- Update 10/3/24: Extended 1/22/2025
- Update 7/11/24: Extended to 10/16/24
- Update 4/5/24: Extended through 07/24/2024
- Update 1/11/24: Extended through 4/17/24
- Update 11/13/23: Extended through 1/24/24
- Update 10/6/23: $900 bonus is publicly available again. Valid until 11/16/2023
- Update 8/2/23: We’re hearing sporadic reports of people who get this offer to show up on the Chase homepage or at this link or this link. Possibly refreshing a bunch of times can help. No such luck for me. Update 8/6/23: now it’s being sent out as a physical mailer as well. (ht doernonemasterall)
- Update 7/14/23: A bunch of readers report getting this offer again – it was just sent out as a targeted email offer.
- Update 4/30/23: There are a couple of data points indicating that the $900 promo code will still work beyond the 4/19/23 expiration date. There is no link to generate new codes, but if you already have a code you can applying it and see if the Chase system accepts it. YMMV. (ht Tikky) Update 4/17/23: Reposting as April 19th is the final day to open for those who already generated a code. The offer link is dead and no new codes can be generated. (For those on a tight eligibility timeline: the system should give you an error message if you are not eligible for the bonus.) Update 2/6/23: Link no longer works to get new codes. If you already generated a code it will continue to work until the 4/19/23 expiration. Update 1/13/23: We posted this yesterday as a targeted offer, and there’s now a public link (updated below). Wow! If you’re not ready to open the account now, I’d recommend quickly using the email option to save the offer for later since the link can expire at any time.
I think Fidelity will not work for DD for the following reason. When you try to link Chase account for EFT, the system does not allow you to add it via account number and routing. Instead it uses some MasterCard tool that logs into chase and requests information. The problem is that adding account in this way adds a virtual account that Chase does for security. Your linked account number is different than your real account numer. Routing ends up 021000021 (wires) instead of 322271627.
Guess I will have to try TreasuryDirect.
I’m really hoping this gets extended again, and based on recent extensions, that may come around April 9-10. If not, I’ve got a really close scenario:
My first ever Social Security check is scheduled to be paid July 16th. If I wait until the last day of the current offer, my account opening will be ONE DAY over 90 days until direct deposit scheduled to hit (although some banks post SS payments a little earlier; I don’t know if that’s because it has actually hit or not).
The language in the offer says DD must be “set up” within 90 days. But the fine print says first actual DD, not counting micro deposits.
It would be better to find something else that works as a DD instead of waiting the 90 days and hoping it all goes to plan. Some credit union ACH transfers work, selling something on Ebay or Raise/GCX, Novo, Treasury Direct, etc. $1 or more DD will do it.
Click
Opened checking and saving 3/20
Checking shows the bonus tracker but saving do not. It can take few days I understand
CS this is ok as is which I know isn’t as most of us below shows savings tracker plus past experience.
There is an add a coupon option on manage my accounts on savings. Should I add it manually or not mess with it as I opened through the link and it showed promo applied.!
Use this method to see the tracker:
#2004916
ebay worked for me for direct deposit
3/17/25- ebay coded as CCD
3/25/25- $300 bonus posted on checking acc
Anyone elses savings tracker disappear after the first 30 days of enrollment?
“deposit a total of $15,000 or more in new money within 30 days of coupon enrollment, and maintain a $15,000 balance for 90 days from coupon enrollment” — Doesn’t it mean that the $15k only needs to be maintained for 60 days?
Yes the app will show when your DD has to be in account. I would put it in a day or 2 earlier just to make sure and the app tells you when your 90 days are up.
About 61 days. You need to maintain a minimum of $15K from day 30 to day 90 of new money in the Savings.
Thomas Koo
DD hit account on 3/19 from SS and bonus was paid today 3/25 on checking. No other deposits were made other then the opening $25.
Weird… Just applied for this today and was denied… Pretty shocked. No reason given on denial screen
instant denial or you received an email later? I submitted an application for a checking account only and an hour later received denial email, no explanation.
I last opened Chase checking/savings 4/15/23 –
Am I literally going to miss this by one day??!
Can I call in to see if I’m eligible?
They will extend or give you a new link after that. They are doing this for years. No point calling doesn’t work with exceptions
I agree with Kan but they have had a $600 bonus too–spouse can’t open until after the 17th so in the same shape. Will wait and make sure it’s extended for the $900 and not a $600 one. Isn’t this through the 16th? You might be able to open on the 16th? I think I’ve seen others say if your not eligible it will reject you applying for it. Others will probably chime in!
They never paid out my bonus and tried their best to stall replying to any of my messages about whether I completed the requirements. Then they stated my real DD paycheck doesn’t qualify, yet withheld telling me after the time window expired that my transfer from Orion does count.
They know completely what is going on and about churning for a long time. They use tactics like these to financially abuse whatever subset of people they want. Not trying to be negative but this is important to recognize why lots of people get more challenges or issues in general. The financial control is real.
Plenty of us got the bonus fine. They aren’t financially abusing anyone. Stop victimizing yourself.