Posted by Chuck on September 25, 2018
Bank Account Bonuses

Published on September 25th, 2018 | by Chuck


Chase $500 Checking and Savings Bonus Publicly Available Online

Please note the $500 bonus contains the old one bonus per calendar year language. The $225 savings account contains the new once every two years language. You’ll be better off doing the $600 bonus if you’re OK with the new two year language.

Update (08/04/18) New link found, updated the link below (thanks reader Yo).

Offer Details

  • Maximum bonus amount: $500-$525 ($300 checking & $200 or $225 savings)
  • Availability: Nationwide, though the online link won’t work unless you have a branch in your state. The in branch offer will work regardless of where you reside, but you obviously need to go 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
  • Credit card funding: Can fund up to $500 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 months
  • Expiration date: June 15, 2017 August 7, 2017 September 28th, 2017. November 20th, 2017 January 16th, 2018 April 23rd, 2018. June 14th, 2018 August 6th, 2018 October 13, 2018 (often expires early so don’t leave it to the last minute)

The Offer

Direct link to offer

  • Receive a bonus of $300 when you open a Chase Total checking account with $25 or more and have a direct deposit post to the account within 60 days
  • Receive a bonus of $200 when you open a Chase savings account and deposit $15,000 or more in new money within 10 business days and maintain a balance of $15,000 for 90 days

Choose ‘Apply Now’ to open now online or enter your email address and Chase will instantly send a unique coupon code which can be used at a Chase branch.

Important Note: There’s a slightly better $225 savings bonus offer, (direct Chase link), also available online. Best course of action is to open separately the $300 checking bonus with this link and the savings account with the $225 link. [There’s also a $150 bonus which only ties up $10,000 of funds.]

The Fine Print

  • Valid through 9/28/17. 1/16/18 10/13/18
  • 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 closed with a negative balance.
  • Minimum $25 initial deposit on Chase checking.
  • You can receive only one new checking and one new savings account opening related bonus per calendar year.
  • Bonuses are considered interest and will be reported on IRS Form 1099-INT.
  • “Direct deposit must be paycheck, pension or government benefits (such as Social Security) from your employer or the government.”
  • Bonuses will appear within 10 business days of meeting the requirements.
  • Savings bonus needs $15,000 of new money. The new money 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. 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

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

Early Account Termination Fee

If you close either account within 6 months of account opening, you will forfeit the bonus.

Geographic Availability

In past offers, this online $500 offer has worked even in areas where there is no Chase branches. For some reason, however, t’s not working in all areas. Please share your experiences in the comments below. Being logged into your Chase account might be necessary. We’ve included some data points of it working/not working in specific states – keep in mind sometimes people get it to work in the same state that others can’t so it’s always worth checking.


  • AL:
    • Worked: 1,
    • Didn’t work: 1,
  • DC:
    • Worked: 1
  •  DE:
    • Didn’t work: 1
    • Worked: 1,
  • GA
    • Worked: 1, 2,
  • HI:
    • Worked: 1,
  • IA:
    • Worked: 1,
    • Didn’t work: 1,
  •  ID:
    • Worked: 1,
  • MA:
    • Didn’t work: 1,
    • Worked: 1,
  •  MD:
    • Didn’t work: 1
    • Worked: 1, 23, 4,
  • MN:
    • Worked: 1, 2,
  • MO:
    • Worked: 1, 2,
    • Didn’t work: 1,
  • NC:
    • Didn’t work: 1
    • Worked: 1, 2,
  • NE:
    • Worked: 1, 2,
    • Didn’t work: 1, 2, 3, 4,
  • NH:
    • Worked: 1,
  • NJ:
    • Worked: 1,
  • NM
    • Worked: 1,
  • PA:
    • Worked: 1
  • SC:
    • Worked: 1,
  • TN:
    • Worked: 1, 2,
    • Didn’t work: 1,
  • WA:
    • Worked: 1, 2,
  • VA:
    • Didn’t work: 1, 2, 3,
    • Worked: 1, 23, 4,

Our Verdict

The $500 checking + savings bonus isn’t usually publicly available, and only recently we’ve been seeing it available for online account opening as well which is awesome. The coupon links sometimes run out so it’s a good idea to do this now or generate a coupon now if you’re considering it.

Important Note: There’s a slightly better $225 savings bonus offer, (direct Chase link), also available online. Best course of action is to open separately the $300 checking bonus with this link and the savings account with the $225 link. [There’s also a $150 bonus which only ties up $10,000 of funds.]

Here’s how to go about getting this $525 bonus:

  • Open the checking and savings accounts online or get the coupons and bring it to a Chase branch to open.
  • Deposit $25 into the checking and $15,000 into the Savings.
  • Get a direct deposit to the Chase checking account. See what has counted for direct deposit in the past here.
  • Wait until the Tuesday after completing the requirements for the bonuses to post. (Chase tends to always post the bonus on a Tuesday.) If you don’t receive the bonus, use another direct deposit to try and trigger it.
  • Wait 90 days from the date of deposit and transfer over money from savings to checking to bring the balance to $1,500. Then transfer out the remainder of the $15,000 to your regular high-interest savings account, but leave $300 in the Chase savings account. With $1,500 in checking and $300 in savings the account will remain fee-free.
  • Wait until 6 months after the opening date before withdrawing funds and closing the accounts.

Chase bank bonuses are from the best bank bonus around. There is no minimum on the direct deposit requirement, it’s easy to keep the account fee free, and the bonuses are a nice chunk of change. If you’ve never completed a bank bonus before, this is a good one to start with. We’ll be adding this bonus into our list of Best Bank Bonuses.

Remember to always check your Chase preapproved credit card offers when visiting a Chase branch; you might even get lucky and end up with a Sapphire Reserve preapproval or an INK preapproval. There is also a $300 business checking bonus you can currently do in branch.

Bonus History

Post was getting very cluttered with all of the updates at the top, so we will just have the most recent update there and then the rest down here.

Update 11 (08/04/18) New link found (thanks reader Yo).

Update 10 (08/02/18): All known links have now expired.

Update 9 (06/11/18): Another working link has been found. YMMV if it works in a state with no branch, see datapoints below and try for yourself. Hat tip to Maximizing Money for the new link. There is a slightly better $225 savings offer available online as well.

Update 8 (05/25/18): Bonus is back, I assume it’ll work in states with no branches again but YMMV. Hat tip to reader @telewatcr

Update 7: Online link dead, if anybody finds a working one let us know in the comments.

Update 6: A reader found a new link for doing the deal online.

Update 5: Online link is no longer working, so it’s now in branch only. You might be able to use this trick to do it online though.

Update 4: This $500 bonus is only working for some, apparently based on geographic location. Click and see if it works for you.

Update 3: Remember, there’s also a $300 savings bonus for $25k deposit available online. Should be possible to do the $300 checking and $300 savings using the separate links.

Update 2: A lot of people are getting the following error:

Congratulations, you’re all set!

It looks like there was a problem applying your coupon, but you can still continue opening your account. Please visit a Chase branch for help.

Others are getting approved without this error so not 100% sure what is going on. Apparently you can avoid this by requesting a coupon and then applying through the link that is sent to your e-mail address. You should also be able to just secure message the code in after the fact instead of having to go into a branch. Another tip here.

Update 02/20/18: There is now a link that allows you to open the account online. Great for anybody who doesn’t live near a branch. Hat tip to reader Jonathan.

Update 01/16/18: Bonus is back and valid through March 3rd, 2018. Hat tip to reader banyue.

Update 01/09/18: Bonus has expired early and is no longer available. We will repost if when we find a working link.

Update: We’re now into 2018, so just reposting this again. I really like to get my Chase checking/savings bonuses out of the way as early as possible so if you’re eligible I’d recommend doing it now. That way if any changes are made at least you’ve done the bonus. In addition $300/$200 is as good as it really gets (sometimes there are $300 savings bonuses but they require a much higher deposit).

Reposting because bonus is back until January 16th, 2018. This is particularly interesting because you’re limited to one bonus per calendar year, this means that people that have already done the bonus in 2017 should sign up for this coupon now and then wait until 2018 before signing up for another bonus. Keep in mind you’re not eligible if your account has been closed in the last 90 days and the original account must have been open for six months otherwise you lose the bonus. If you are in this situation I’d get the coupon now as the links often die early and your coupon will be gone through January 16th, 2018. Hat tip to reader Chhavi

Useful posts regarding bank bonuses:

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Sigh, just opened the premium plus checking with $300 bonus yesterday (which require 15K deposit)

Do you think it’s possible to get matched to this easier checking option?


I tried an offer match I opened 350 bonus a few days before this. It didn’t work , no cigar

Like others pointed out, get bonus and then downgrade. No fee charged for first 2 months.

An additional DP to avoid all fees without transfer and also score a free 3″x5″ safety deposit box (subject to availability).
DP for Veterans and/or Active Duty:

If you are Prior Service or a Veteran (I just showed my DL, I had DMV add my Vet status to my DL at N/C keeps wallet thinner and gets me 10% off at HD/Lowes/Etc.)

You can open Chase Premier Plus Checking for free and avoid all fees for the bonus and also open a Free Plus savings No $25 monthly fee if you don’t meet ADB or have a Mortgage with chase or other Req’s.

Also four Non-Chase ATM WD fee free, free Counter/M.O./ Cashier checks (for a fee free Cashier check to move money elsewhere if/when you choose).

We only DD a bit more than the minimum (our Grocery budget) just pay-off grocery spending monthly with the DD so we could meet the bonus requirements, it also is convenient for paying our CSR & CSP cards.

Also the have some co-branded Debit cards that offer additional discounts, as well as 1st free order of checks for those that still use them.

Yoni, Thank you for your service to our country.

We have the military checking as described above. Was unaware of safety deposit box. Thanks for the info.

Worked for Ashburn, VA.

Am I eligible for the checking bonus if I currently have a business checking account?

I have done both / collected the bonuses ($600.00 total). Just waiting for each six month time frame to pass.

Hoping someone finds a $500 Business Checking offer coupon-generation link!

Same here. Got it last year and currently holding out for the $500.

They really busted my chops when I tried to open the business checking account last year so I gave up. I went to two different branches and they all wanted documentation about my “business”.

I guess they looked at the computer and saw how many times I’ve done the personal Chase bonus (this year will be 5 years in a row!) and decided to be jerks. It is starting to get awkward going in with the personal bankers and having them see just how many Chase accounts I have. At least I’m a heavy user of their credit cards.

I look at it as a $1,500 6 month CD with a 40% interest rate 🙂

i like the way you think sir

Guy Bucktastik
Guy Bucktastik

It’s actually a $1200 cd, 50% apy

That sounds better, but unfortunately you must “Keep a minimum daily balance of $1,500 or more in the checking account”.

Guy Bucktastik
Guy Bucktastik

You pay $1200. You get a $300 bonus. That $1500 will keep it fee free.

You only put in $1200.

It’s a $1200 cd that earns $300.

In my area, that $12 monthly fee for accounts below $1,500 would amount to $72 over 6 months. Which means you would only net $228 on your $1,200, an effective rate of 38%.

Guy Bucktastik
Guy Bucktastik

Step one – put $1200 in account

Step 2 – get $300 bonus.

That’s it, now you have $1500 and avoid the fee.

I see. Unfortunately it took longer for the $300 to post for me last time.

Mike, usually the bonus posts within days.

Just put a direct deposit in it.

Hi All,

I got the checking bonus in Sep 2016 and I closed the account in Apr 2017. When can I open the account to get the bonus again. I am little confused with the calender year.


I did this exact offer last year and received the bonus in August of 2016, but closed the account in January 2017. Will I get a bonus if I open new accounts now? Thank you.

Dmitry, Did you get the Chase checking bonus for 2017?
I’m in the same situation as you. Opened July 2016, closed Jan 2017.
Back in Feb or March Chase offered a lesser bonus but one could apply online. I was denied but it didn’t say why. My husband and son were also denied though we’ve been hitting M&T pretty hard until recently. I wonder if the odds of being approved are better in branch?
Maybe I’ll wait until early November after I close out another M&T account. I don’t want to drive 45 mins to a Chase branch only to be humiliated. 🙁

Frito Pendejo

Jackpot! Procrastination wins the day again. I never felt like driving to a Chase branch to do the $300 offers. Looks like my wife and I will be taking a trip to the city.

DP: As of March/April 2017, Alliant worked to trigger the bonus and keep the account fee-free.

WF ACH worked as DD for 2 to 3 years then it did not work this year.
The good thing is that you’ll found right away (within a week) . The Question is What really work? I saw so many worked before and now failed. Thanks!

If you’re in the military, they do not charge monthly fees, even for the premier checking.

Can someone provide a DP for out of state?. I live in PA. Went to closest branch in NJ and was told to use a coupon i have to be within 30 miles of the branch. Wasted $10 of my gas :(.
I then called another branch near this one and that lady says all they need is to be in-person.

Was able to successfully open in another branch. Did only the checking as I’m not willing to park 15k in savings.

I live in Philly and plan to drive up to the Trenton branch. Which branch did you try first and which one worked for you?

Ewing branch worked and good folks there.. My first try was at Trenton and they flat out denied. The branch was in itself uninviting inside as if no one cared.

Awesome. I’ll just go on to the Ewing branch and won’t bother with the Trenton one. Thanks for this.

I live in the 215 and I stopped at the Branchburg office inside a shop rite and opened an account without a problem. The banker noted I was from PA and I told him the truth which was I was nearby for my dtrs softball tournament which was between games.

Live in North Carolina. Opened in a central Florida branch in July for the previous offer. Both my wife and I. No problems whatsoever. Already got our bonuses.

Weird thing happened: This is the second time I’ve done this combo, opened the new sets of accounts about 50 days ago. Got the bonus for the checking and then moved it all out as you only need 5000 or more in any combination to keep fee free. Still waiting on savings bonus with 15000 there but now noticed they automatically closed my checking account, probably from inactivity. Any implications on the checking bonus or future savings bonus?

Any DP which will trigger the DD for Chase? Does Paypal transfer still work as DD for Chase?

Adding another data point for Chase…both my wife and I were able to trigger the direct deposit using Robinhood. I love that little app. Will keep moving $500 in and out from there for 6 months to keep fee free.

How long did it take after Robinhood was posted?

Chase posts bonus in batch for the previous week’s qualified accounts every Tues, so plan to get your RH DD in your Chase acct by the previous Fri.

There are 2 kinds of DD, one for Bonus and the other to waive the fee.
Now it seems getting difficult for the ‘alternative’ DD to trigger Bonus.
What’s working in the past may not work in 2018. Nobody mentioned
what kind DD to waive the fee? It should be ANY ACH from any bank,but I;m not sure. Hope someone give us a definitive answser.
Thanks in advance.

It looks like Chase accepts ACH deposits from banks as a DD to waive the checking account fee. However, it states on their sites that the DD for the bonus has to be from an employer, social security or other government type deposit.

What documents do they require you to have to open a checking account? Is a driver’s license good enough?? And does it matter if I’m out of state? Chase isn’t in my state. Thanks!

Not familiar with out of state, but yep, a driver’s license and sometimes a credit card as second form of identification.

As a foreigner, the bank asked my driver lisence and passport.

I had opened the checking account in March 2016. After receiving the 300$ bonus, I have changed the same account to “Savings” and I still have the savings account active as of today. Now will I be eligible to receive the 300$ checking bonus, if I open a new checking account? Please let me know.

Yea, once per calendar year, so you should be fine opening a new checking

Thank you Jim!!

I think your fifth bullet’s steps in ‘Our Verdict’ are timing-sensitive for some people and can incur one monthly checking account fee if those steps are done too early in the checking statement cycle.

In the case (like me) where somebody’s relying on the 90 days of $15K Savings balance to keep Checking fee-free (because Savings’ $15K balance satisfies Checking’s fee waiver for an ‘average daily balance of $5,000 or more in any combination of qualifying Chase checking, Savings…’), then doing Our Verdict’s fifth bullet’s steps of ‘transfer over money from savings to checking to bring the’ checking ‘balance to $1,500’ and reducing Savings balance to $300 is time-sensitive:
If I reduce Savings balance from $15K to $300 before approx 1/3 of the statement cycle elapses I will average less than $5K combined balances for that checking cycle and incur a monthly Checking account fee for that one cycle. To avoid the fee I should wait and do those steps anytime on or after 12 days past the prior statement cycle end date. (Last year my Chase checking statement cycles varied from 28 to 34 days long.)

I took my name off of a joint Chase checking account a few days ago. The account is still open, just only in my wife’s name now. Does anyone know if I would be eligible for the bonus or would I have to wait 90 days?

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