Posted by Chuck on August 8, 2017
Bank Account Bonuses

Published on August 8th, 2017 | by Chuck

265

Chase $500 Checking and Savings Bonus Publicly Available [In-Branch Only]

Bonus is back and available again. Thanks to reader Joe for providing us with the link.

The $500 checking and savings offers from Chase are typically targeted or available for purchase on eBay. There’s now a banner link that’s working to get this offer for anyone. We don’t know how long the link will work. You don’t need to complete the offer right now, but it’s worth getting the coupon now, and then you’ll have until August 7th.

Offer Details

  • Maximum bonus amount: $500 ($300 checking & $200 savings)
  • Availability: Nationwide (must open account 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: Not available when opening 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. 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

Enter your email address at the above link and Chase will instantly send a unique coupon code which can be used at a Chase branch to open the checking for a $300 bonus or the savings for a $200 bonus or both for a $500 bonus total.

Screen Shot 2017-05-03 at 8.27.38 PM

The Fine Print

  • Valid through 9/28/17.
  • 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 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.

Our Verdict

The $500 checking + savings bonus isn’t usually publicly available, but it certainly comes around every now and then. The coupon links sometimes run out so it’s a good idea to get the coupon now if you’re considering this deal.

Here’s how to go about getting this $500 bonus:

  • Bring the coupon to a local Chase branch and open a Savings and Checking account.
  • 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.
  • Withdraw all funds & close the accounts.

You can also choose to just do the checking bonus or just the savings bonus if you don’t want to do both.

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.

Useful posts regarding bank bonuses:



265 Responses to Chase $500 Checking and Savings Bonus Publicly Available [In-Branch Only]

  1. a bird says:

    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?

    • Chuck says:

      It’ll be tough. Even if they’d match a bonus, here you want to match requirements.

      • a bird says:

        They dont charge maintenance fee until after Month 2 right?
        If yes, might downgrade after bonus posts.

        • Chuck says:

          Yeah, you can downgrade the Premier after bonus posts. It’s not so bad. I managed without any fees at all in a similar situation.

        • ProtoKorean says:

          I just opened a premier last month on the 21st of April when will the monthly fee hit?

        • Jeff H says:

          I downgraded my checking and savings accounts shortly after receiving both bonuses. Result Checking account minimum balance $1500.00 / Savings account minimum balance $300.00.

          After you have crossed the six months open line, you may close in branch or call customer service. Closing was fairly easy. Checks in mail within 10 days. Mine was delayed only a couple of days due to a couple of irons in the fire (bill pays) when I closed the account.

    • LiberalValuesDestroyedAmerica says:

      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.

  2. Phineas says:

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

  3. Ariel says:

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

    • JT says:

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

    • Jags says:

      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.

  4. Mike L says:

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

    • Superchurn says:

      i like the way you think sir

    • Guy Bucktastik says:

      It’s actually a $1200 cd, 50% apy

      • Mike L says:

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

        • Guy Bucktastik says:

          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.

          • Mike L says:

            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 says:

          Step one – put $1200 in account

          Step 2 – get $300 bonus.

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

  5. Maddy says:

    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.

    Thanks

  6. Dmitry says:

    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.

  7. Frito Pendejo says:

    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.

  8. Max says:

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

  9. Markie says:

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

  10. NBG says:

    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.

    • NBG says:

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

    • KP says:

      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?

      • NBG says:

        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.

        • KP says:

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

      • SkinnyElvis says:

        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.

    • Jeff says:

      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.

  11. Stingerzing says:

    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?

  12. Chao says:

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

  13. Michael says:

    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!

    • Jim says:

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

  14. Kumar says:

    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.

  15. Johnz says:

    Chuck,
    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.)

    • Chuck says:

      I hear your point theoretically. In practice, I’m guessing Chase goes with the closing date to determine if you’ll get hit with a fee. So since on the statement closing date there was $1,500 in the checking and $300 in the savings it’ll be fee-free.

      • Johnz says:

        It’s the 6th bullet point that closes the accounts after the 6 months elapses to avoid early cloing penalty.
        We’re talking about Checking’s monthly maintenance fee and the 5th bullet point steps that occur right after the $15K has sat the required 90 days in savings after which most of it can be pulled out.

    • Rob says:

      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?

  16. Chap says:

    So I went to sign up for the Chase $500 bonus. The banker accidentally put all $15,025 into my checking and failed to split between savings. I’ve messaged Chase but the banker said I can simply transfer $15,000 over from my checking to savings and still qualify for the savings offer. However, the fine print says ‘new’ chase money which I assume is no longer new after it hits my checking account. Has anyone run into this situation before?

    • Pete says:

      Yea, you’ll be fine.

      I helped a family member with a similar situation, deposited the $15k in the checking first, then opened up the savings and transferring over from checking and still received the bonus.

      The personal banker we dealt with said “new” funds are those deposited within 10 days — so because we deposited the $15k in the checking account and opened the savings within that 10 day period, she said it was fine. And voila, 90 days later, the $200 bonus was credited.

      • Chap says:

        Sorry I’m late but thanks Pete! I just went ahead and dropped another $15k in and then pulled the initial out just in case but glad that counts.

  17. Juston says:

    I see several people stating that it is one bonus per calendar year, but there was a question asked above that has gone unanswered. Will this work for people that currently have a checking account?

    Chase is my main bank so I don’t want to close my main account to do this bonus. It used to be that I could open a new account as an existing customer and still get the bonus, but I haven’t done it in several years as I thought that had changed. I don’t have a savings account, so I will definitely be doing that one. I am selling my house which has 10 years of equity on on a 15 year mortgage, so I am looking for some of these larger $$$ opening deposit bonuses to park all that money for half a year. Any other bank bonuses that require $5k + for deposits that I should be looking at?

    • Juston says:

      I should clarify that I read the fine print and I see that it says not available to existing customers, but that doesn’t mean it is enforced. I was just getting mixed opinions by reading the comments.

      Also, for my last question about the other accounts, it can be personal and/or business if anyone has suggestions!

  18. Ken says:

    I went to a Chase branch to open a checking using this bonus on Saturday. Despite it clearly stating on the coupon that you can earn the bonus once per calendar year, the banker insisted it was a rolling 12-months. She asked a supervisor/manager who said the same thing. Then, she called some internal help desk and they confirmed that too. So, rather than take my chances, I didn’t open the account. I last opened a Chase account in early 2016, earned the bonus in May 2016, and closed the account in January 2017 (still more than 90 days ago).

    • stingerzing says:

      I got the 500 combo last fall and closed. Then I opened a new one in february and got the checking bonus again. So I don’t think that’s right.

    • JuicyJosh says:

      +1 on stingers comment. I opened acct 6/2016 and closed 1/2017. Applied for acct #2 in 4/2017. Was approved and received bonus. Waiting to close currently.

  19. Tim says:

    Can someone explain how to fulfill the direct deposit requirement w/o setting it up with my paycheck through my employer? Do I do a cash advance with a credit card???

  20. Charles S. says:

    DP:

    04/17/17 – Opened Chase Total Checking in branch. Opening deposit with a $1500 personal check.
    05/05/17 – DD of $50 from work.
    05/09/17 – $300 bonus posted

    Now to wait till I can remove the opening deposit 🙁

  21. Trippy says:

    I opened an account last December and the bonus posted this year January. I assume I won’t be eligible for a bonus this year?

  22. Rena says:

    I’d really appreciate some help: If I want to use Barclays online savings for the direct deposit requirement, would I just need to add the Chase account to Barclays as an external account and then do a one-time transfer? I’m somewhat confused because under the transfer tab for Barclays nowhere does it say “ACH.”

  23. Dave says:

    The eligibility statement does not include any “rolling twelve months” wording.

    “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 with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.”

  24. Dean says:

    Unique situation. I burned Chase by not paying a couple credit cards 10 years ago. I’m forever (I assume) blacklisted from getting another card from them but I wonder if I can open a bank account.

  25. Dan says:

    Schwab moneylink deposit from investor account (not investor checking) DOES NOT work to trigger DD, sent 4/19, no bonus posted as of today 5/12.

    Sent Wells Fargo checking 5/8, hopping that will trigger. I have DD setup, but i want the $300 NOW.

  26. Vivian says:

    Hi, I currently have a checking account from TCF bank. All deposits from this account is coded as ACH Deposit, so would it work as direct deposit? Thanks!

  27. Harry says:

    So when I opened I forgot about the $25 deposit at opening and so did the teller. Would this be a problem with getting the $300? Anyone else forgot but still got the bonus?

    • Harry says:

      To answer my own question–no it wasn’t a problem. $300 came in today after getting paycheck DD on the 1st.

  28. Saabfan says:

    So i was denied for the last chase account that i tried to open online (reason: credit report, although my score is pretty good). Will I also be denied for this in-branch only account?

    Thanks

    • Saabfan says:

      The answer is no. I was approved in branch. Dp….the bank rep indicated that it was a hard pull,

      • NBG says:

        Some bankers don’t know the difference between and hard pull and soft pull. I was told it was a hard pull by one and only to be correct ed by another that it was a soft pull. It will do a Hard pull, if you opted for Overdraft coverage.

        Did you get an alert from your Credit monitoring service?.

  29. NBG says:

    Anyone got the bonus today with the new offer with ACH from Wells Fargo?. Hopefully it posts later today as past trend suggests every tuesday is bonus day.

    • NBG says:

      Ignore my earlier comment. Just loged in again and see the $300 pending. So Wells Fargo ACH /push works. $600 haul between me and wife. Thanks Doc.

  30. Chap says:

    Barclay ACH has worked for me in the past but not this time. Posted last Thursday – Tuesday now, and no pending bonus. Not sure if just me or it is no longer triggering. Will try paycheck.

    • Pete says:

      Any update on this with the Barclays ACH on your end?

      My ACH push went through last Tuesday, a week later, still nothing yet…

      Thanks!

      • Chap says:

        Nope! I waited 2 weeks (tried two different times) and still no bonus. My paycheck hits today so it seems like I will know by next Tuesday whether it is my account or Barclays.

      • Chap says:

        Hi Pete,

        A normal DD resulted in the bonus posting today. Looks like Barclays may not work anymore.

  31. Omar says:

    DP: td ameritrade of 101 USD Worked to trigger the bonus and it posted on Tuesday.

  32. Charles S. says:

    DP:

    4/17 – Opened checking account in branch with $1500 check
    5/05 – DD from employer for $50
    5/09 – $300 bonus posted!

  33. CruwL says:

    ACH Transfer $501 on may 17th from barlcay online savings shows BARCLAYS BANK DE DEPOSIT PPD and type ACH credit

    Did not get the bonus yesterday, will see if it posts next week if not will have to try cap360 or something else.

    Those who got the bonus this week did your deposit code as type ACH Credit?

    • Kristian says:

      I received the bonus yesterday morning due to this push…

      May 18, 2017
      WELLS FARGO DDA TO DDA PPD ID: INTFITROCS
      ACH credit
      $126.00

  34. Alyssa says:

    If my 90 day date for the savings bonus is on a Tuesday, my bonus should post the following Tuesday right? Just making sure I understand

  35. Curmudgeon says:

    New offer, good until 7/17/17:

    $200 for Total checking account, set up direct deposit
    $150 for savings acct, deposit $10k, leave for 90 days

    https://www.chase.com/checking/chase-coupon?jp_aid_a=65783359&jp_aid_p=chasehome_3/hero

  36. Chris M says:

    Any more data points on opening one of these accounts in a Chase branch if you are from out of state? I live in Virginia, but I am visiting family in New Jersey next week and will go a few dozen miles out of my way if I can open these accounts as a Virginia resident.

    • Dave says:

      Shouldn’t be a problem.. The closest branch for me is out of state,
      and takes four hours roundtrip. Still worth it tho, and I stop at a
      few places on the way back for enjoyment.

  37. Pete says:

    Any folks with a recent data point with regards to what ACH pushes qualify as a DD?

    Reviewing the Knowledge Base page, but nothing too recent…

    Thanks

  38. BlackBerries says:

    Anyone get the bonus (recently) doing ACH (coded as PPD) via capital one or capital one 360?

    Thanks

    • ric says:

      I tried ACH via capital one (not 360) and it doesn’t trigger bonus.

      Anyone have luck with any other ACH?

      • BlackBerries says:

        I tried capital one 360 and it was coded as PPD but a week later no bonus posted…

      • Avi says:

        Wells Fargo ACH still works as of today.

        • Max says:

          What wellsfargo service are you using to trigger ACH? Zelle and surepay haven’t worked to trigger bonus for me.

          • Avi says:

            It’s the “transfer money” option within Wells Fargo online. I can’t remember if it has a more specific name, but it’s not the “send money” option.

  39. 007 says:

    I feel kinda bad.

    Last year, I did this bonus for the first time. The banker clearly thought I was actually going to use the account and didn’t know that I was just doing it for the bonus. It took her an hour to set up, although she did a good job.

    Today, I went to a different branch (Chase Private Client branch). The guy was awesome and had me in and out in 15 minutes. Even gave me the option of not even having a debit card, which wasn’t on the table last year. However, after I left, I realized he set up the Plus Checking and Plus Savings (higher balance requirements after bonus posts). I went back, had a chat, he said he can downgrade instantly and no effect on bonus (confirmed several times). He did as he told, but seemed a little shaken/upset. Not sure whether it is just that particular location (lots of high rollers), or if he was going to miss out on some kind of bonus/quota because he thus just opened a Total Checking and basic Savings rather than the Plus versions.

    Oh well. I guess the homework is read what you sign on the screen carefully, even if the banker seems like a good guy. Feel kinda bad if it affected his yearly bonus/quota, though.

    • Avi says:

      Pretty much the exact same thing happened to my wife. The guy signed her up for the higher level accounts, and was annoyed when she asked to downgrade because it wasn’t the accounts she wanted. There must be some kind bonus involved for them.

  40. BHanna says:

    Confirming DP

    Transferred money to my Vanguard Settlement fund, than transferred from Vanguard to Chase. The “sale” counted as a DD, and was listed as follows.

    ” VANGUARD SELL INVESTMENT PPD ID: VMC RED ACH credit $501.04 $526.04″

    Please note that after you add the new account to your Vanguard, and verify the two micro-deposits, you typically have to wait 7-10 days for them to verify that it is your account… Alternatively you can just call in and tell them that you need access to the funds more urgently and they will offer you to wire the money, decline that and insist that it is ACHed to your account given that you already verified the two deposits… Another department will go through the security identity verification questions with you, and then can process the transfer over the phone….

    Hope this helps someone 🙂

  41. RAZ says:

    This is my first post on this site – I really appreciate all the great information that I’ve received from this site over the last couple of years.

    5/10/17: Opened Chase Checking and Savings account
    5/19/17: Barclays ACH – coded as DE Deposit
    5/19/17: Alliant ACH – coded as Online Wd
    6/1/17: Vanguard ACH – coded as Sell Investment
    6/6/17: $300 bonus received

    I suspect that only the Vanguard transfer triggered the bonus but I can’t be certain. Chase says the bonus will be paid within 10 business days of the direct deposit – that would mean that only the Vanguard ACH could have triggered the bonus (10 business from the two transfers made on 5/19/17 would be 6/5/17).

    • Yes, would only be the Vanguard. Bonus posts the Tuesday after receiving the direct deposit. Thanks for the DP.

    • Pete says:

      Thanks for the DPs

      Mind clarifying for Alliant — was that an ACH push, appearing as a deposit in Chase? Noticed you mentioned it coded as a “Wd”, so I wonder if that might have been an Alliant ACH pull or withdrawal, instead.

      I was hoping to use Alliant to qualify for my DD. No Vanguard accounts, alas!

      Thanks

      • RAZ says:

        It was an ACH push from Alliant to Chase — that’s just the way it coded. I think you’re out of luck trying to use Alliant to trigger the direct deposit requirement.

        • Pete says:

          Thanks for the quick response.

          I’m looking at opening an individual Vanguard account since you and a few others have had success with it.

          I helped a family member with a Roth with Vanguard a few years ago and recall it was quite easy and fast to open — has that been your experience with the individual/taxable account? Reading their account fees, if I sign up for e-delivery, there should be no annual or minimum fees. So I’m thinking of doing a small $50 account to ACH push to Chase.

          Thanks

  42. RVD says:

    Great experience signing up but horrible experience afterwards. Account got closed as fraud same day because I initiated two transfers on separate days totaling $15k which were flagged as fraud by the “loss prevention” department. I was given no opportunity to dispute the closing or to indicate that the transfers were legitimate. My transfers were cancelled and my initial $25 was mailed to me as a check and I am apparently banned from Chase banking (Chase CCs are untouched) for at least 5 years, possibly for life (depending on who I asked). Loss prevention reps were very unpleasant and refused to give me any details beyond that. Checked my Chex and everything is/was clean so it was apparently just the transfers that sunk. Not sure how I was supposed to get $15k deposited if $15k of transfers is “fraud”.

  43. Jake says:

    Just finished a 4 hour round trip from Baltimore to Trenton to get this bonus. The signup process was painless once I got there

    • Kevin says:

      Ha! I’m from the Baltimore area and I was considering going to that one too for this! You went to the one at 2735 S Broad St correct? That one seems to be the easiest one to get too and the quickest. How long did it take to set up?

  44. savemesf says:

    ACH push from TD Ameritrade still triggers the DD bonus 🙂

  45. Olivia says:

    This offer can also be accessed whenever you order a USPS mail forwarding service. Will come up as one of the coupons. It doesn’t matter if you actually are moving or not. Can try forwarding mails from parents/relatives/friends’ address.

    I opened a checking + savings for my mom in March; pushed $500 from her Wells Fargo Checking; got the $300 bonus for checking the following Tuesday. Still waiting for the 90-day to pass.

    Two weeks ago opened them for my mother-in-law; again pushed $500 from Wells Fargo; got the bonus today (Tuesday)!

    Plan on opening them for my father-in-law when he comes visiting us. It seems true that Chase tend to post the bonus on Tuesdays.

  46. 007 says:

    Serve still working to trigger $300 bonus (currently listed as Pending).

    “SERVE ENTERPRISE EXCHANGE PPD ID: 2333133497”

  47. Will Ryan says:

    DP: I did Savings only and it took me 12 calendar days to fund the $15,000 in total. The bonus posted to my account the Tuesday following 90 days from account opening.

    So no wait to get the bonus and it was from account opening, not when I got the $15,000 in there.

    I wasn’t expecting to be able to move the money for another 1-2 weeks and to get the bonus for another 4-5 weeks 🙂

  48. JS says:

    Anyone have a code and not going to use it? I could use a code. Thanks.

  49. Shaun says:

    They’ve been sending me this same offer through the mail. Got my second one today, expires August 7th.

  50. Robert says:

    CO360 and Alliant DO NOT work to trigger DD bonus.

  51. Jae Bae says:

    Data Point – Chase
    – Direct Deposit Transfer from Santander on 06/16
    – $300 sign up bonus on 06/20

    • Pol says:

      Did you choose the option “Transfer Funds > To Someone Else” from your Santander online banking?

      It is either that option or “Between My Santander Accounts” under the “Transfer Funds” option.

      Also, the list of DD’s for Chase has Santander crossed out. So is this a new data point for Santander that makes Santander a working DD for Chase bonuses?

  52. Gmoney says:

    Has anyone successfully opened this type of account that’s “in branch only” online and gotten the bonus? ….asking for a friend…

    Though the steps at the top of the offer explicitly say going into a branch, the fine print doesn’t call out going in the branch. “To receive the $300 checking bonus: 1) Open a new Chase Total Checking account, which is subject to approval…”

    • Bob says:

      Wondering the same thing because on the online app, there’s a field to put in the promo code.

    • justdoit says:

      Or has anyone tried a Chase in branch offer online and not received the bonus?

    • Gmoney says:

      The answer is no, you can’t even open the account with the coupon. I just tried for my SO cause there’s no way I’m getting her to sit with a banker for an hour.

      The online application lets you enter in the coupon code right away then proceed to give all your information even asking for all the compliance questions and asking you to create a user name and password. Then it asks for the coupon code again (which is prefilled form the initial app page). Then it proceeds to tell you that that coupon code cannot be redeemed online. Not sure why they couldn’t tell you right away.

      “We’re unable to process your information. The Coupon Code you entered cannot be redeemed online. For assistance, please call us at 1-877-242-7372, or visit a Chase branch near you. To continue your application without the Coupon Code, click “Proceed Without Coupon Code.””

      • justdoit says:

        Thanks, very helpful and at least they don’t let you open the account with code, transfer your money then find out you don’t get the bonus. I don’t like going to branches and waiting either and it looks like I won’t be travelling near a branch anytime soon so I wish Chase allowed all states in on these deals. Just let us apply online and email your sales pitches.

  53. MoreSun says:

    Lol, figures- I bought my coupon on eBay last week!

  54. captainsave says:

    My 90 day period is over on 8/8. -.-

  55. Tom says:

    I just opened a Chase checking account for my wife with the $300 promo code. This is her first checking account so she plans to keep it. She does not have another account under her name so how can she direct deposit into the Chase account? Can I use my Wells Fargo account to somehow send money to her checking? Her workplace does not do direct deposit either.

    • justdoit says:

      https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Chase

      https://www.wellsfargo.com/online-banking/transfers/

      When you add an ACH transfer account at wellsfargo.com it asks for the account and routing numbers then makes 2 verification deposits then you go back to wf.com and enter those amounts, so they might not also verify by name. I’m thinking you can ACH to anyone but you might want to message WF and ask if they allow ACH transfers to a spouse’s account at another bank.

      Amazon Payments might be your next best option or if there’s no minimum for this DD you could try Topcashback. If you don’t have $ in TCB it takes time to get credited though. You could ask TCB which stores credit the fastest, maybe those with the shortest return periods. Or look in “good to know” under “Terms & Conditions and other useful information” for each store. My Walmart purchase says estimated payable in 14 weeks, maybe because their return period is up to 90 days.

  56. Lc says:

    If anyone has a chase business checking code or the targeted $500 personal pm me on Reddit

    Username: dalogester

    Im finally at a location with a chase branch on vacation and wanting to sign up. Have Citi aa mailer codes could trade. Thx

  57. Steve says:

    Data point: Opened last week and DD’d using Amex Serve. Got the checking bonus today, so that still works as an option to trigger the checking bonus as of July 5, 2017

  58. mistike says:

    I opened this yesterday. Took an hour. I asked if I could fund this by CC and she said yes but it will be coded as cash advance.

  59. Yu says:

    Does Chase do Chex system check?

    Is soft pull the same as Chex system check?

    Thanks.

  60. Dir says:

    Amex Serve withdraw to chase checking still works as direct deposit as of 07/06/2017.

  61. tribeman55 says:

    Just brought the $300 checking code to a branch and they turned me away saying my account has a note on it saying I am no longer allowed to open accounts at Chase with coupon codes. Banker said he has never seen that kind of note before.

    Anyone else ever get that/hear of someone getting that?

    • Chuck says:

      Whoa! Never heard of that.

    • Wonder if it’s just a previous banker being annoyed they didn’t get paid out on commission or something. Did you try another branch?

      • tribesman55 says:

        I signed up for a $200 savings account with Chase in April and received the bonus a couple days ago. I can try another branch tomorrow. The banker seemed friendly and started the application for the checking account and took my SSN, he turned very unfriendly and rude quickly after that and said he couldn’t open the account with my coupon because there was a note on my account not to allow coupons anymore, but offered to open the account without the coupon.

        • Eric says:

          Last year the banker told me he was going to put that exact note on my account. I figured he was bluffing so I went again this year. I had no trouble opening my account.

          How many times have you done the Chase Checking bonus? Did you go the same branch multiple times?

          • tribesman55 says:

            I’ve been doing it for years and I’ve always gone to the same branch. I went to a different branch today and used the coupon no problem. There must be some salty bankers at that other branch so I won’t be going back there.

    • sirtheta says:

      Ah fuck, I totally forgot to post about something similar.

      I haven’t heard about this, specifically, but it is the case that bankers can notate your account if they think you’re “gaming” the bonuses, which will result in you never again receiving targeted *banking* offers (separate from credit card or other offers). This also occurs if you open an account with a coupon and close it within a year; after the first instance you don’t get targeted *banking* offers for 2 years. After the second instance, you will never again receive targeted *banking* offers.

      Of course, none of that has to do with a specific exclusion from opening an account with a coupon — that I haven’t heard of, but maybe it’s related (or being misinterpreted?). This should be very banker-dependent, though, so I’d definitely try again elsewhere.

      • tribesman55 says:

        Used the coupon no questions asked at a different branch this morning. I will be avoiding that other branch from now on.

  62. Yu says:

    once you opened the checking/saving account with Chase, are you able to initiate the transfer from chase and pull the money from extern account into Chase’ account?

    • Dave says:

      That should be fine for funding the savings account (?),
      but it won’t qualify for the checking promotion.

  63. Dmitry Kisselev says:

    Went today and sign up for the offer. Chase rep offered next break down for the saving account offer:
    $75 for $5000 balance for 90 days
    $200 for $15000 balance for 90 days
    $300 for $20000 balance for 90 days.

    The offer is valid until the end of the month 7/30/17. Not sure if that was targeted or publicly available.

    • That $300 offer is very tempting, what did you go for? I imagine it’s targeted.

      • Dmitry Kisselev says:

        Nothing yet. Rep talked like he seen and offered this before.

        I have to collect cash first in a somewhat short period of time :). Once you signup you only have 10 days to produce the cash. So I elect to get cash first and then come to the branch and sign up for saving account offer as a separate transaction.

        He said that offer is not upgradable. So once you select $ amount, that would be it. Yet it is available until the end of the month and it should be fine to sign up for as a separate transaction.

  64. EV says:

    Opened the Total Checking on July 3rd and had a $25 DD from Wells Fargo post on Monday (07/10). Still no bonus … I suppose it was just too late for this Tuesday’s bonus posting?

    I read on Reddit that even the 2 mini trial deposits from Wells Fargo to verify the account triggered the bonus. In may case that happened on Thursday, July 6th … no luck yet.

  65. Robert says:

    Signed up for the account on May 26 and did an initial deposit of $25 with a debit card. I still haven’t received the bonus, and I have had the following transactions post:

    Jun 2, 2017 Alliant CU. ONLINE WD PPD ACH credit $100.00
    Jun 13, 2017 CAPITAL ONE N.A. CAPITALONE PPD ACH credit $100.00
    Jun 21, 2017 SCHWAB BANK P2P ACH credit $50.00
    Jun 27, 2017 Acorns Investing Transfer PPD ACH credit $3.08
    Jul 3, 2017 SCHWAB BROKERAGE MONEYLINK PPD ACH credit $500.00
    Jul 12, 2017 BMO HARRIS BANK EXT TRNSFR ACH credit $503.08

    I’m convinced that if the bonus didn’t already post, it’s not going to. I have had a Chase checking once before, but closed it last year.

    I know I’m not supposed to call the bank, but in this case I’m calling. Will update

  66. Kenny says:

    Opened my account today. The very first thing the rep did was straight up ask me if I was only opening the account for the bonus. I told him that depends on how I like the account (which is true in my case). He said fair enough and saif if I was only opening the account for the bonus that I couldn’t close it within 7 months or the bonus would be withdrawn (think he meant 6).

  67. MP says:

    “I haven’t heard about this, specifically, but it is the case that bankers can notate your account if they think you’re “gaming” the bonuses.”

    Well, in the case of the “savings” account, I don’t know why anybody in his right mind would ever open it, if not for the bonus. Since Chase pays absolutely no interest (you’ll even lose money if you keep under $300 in the account), the bonus is simply interest earned on a short-term loan to them.

  68. Steven says:

    DP: Bonus posted today on 7/18/17

    7/7/17: Opened account and deposited the $25 required.
    7/10/17: Initiated transfer from Wells Fargo ($500)
    7/12/17: Transfer posted (WELLS FARGO IFI DDA TO DDA PPD ID: INTFITRVOS)
    7/18/17: Bonus posted for checking account ($300)

  69. madgoat says:

    Negative DP: No bonus this week after deposits from Schwab Brokerage, Vanguard Verify, Serve Verify and Bluebird Verify

    7/7: Account opened and funded with $25
    7/10: $108.22 Schwab Brokerage posted (SCHWAB BROKERAGE MONEYLINK PPD ID: 9005586224)
    7/10: 2x Vanguard Verify posted (VANGUARD EDI PYMNTS PPD ID: 9231945930)
    7/13: 2x Serve Verify posted (SERVE ENTERPRISE VERIFY PPD ID: 2533133497)
    7/13: 2x Bluebird Verify posted (bluebird VERIFY PPD ID: 2433133497)

    I sent $500.02 from Vanguard which posted this morning, too late for this week’s cycle but we’ll see if that triggers it for next week.

  70. THinDC says:

    DP: Bonus posted today, 7/18/17

    7/10: Opened account in branch with $40 deposit
    7/13: $500.44 transfer posted from Merrill Edge (brokerage – coded as ACH push)

    I don’t see many Merrill brokerage DPs around, so it seems like it’s a good alternative to Schwab for those who have it.

  71. Derek says:

    I went to their site to enter my email address to be sent the code yesterday afternoon. Still no email. I went back and entered another email address earlier this morning and still nothing. Does it typically take this long to be sent the email with the coupon code?

  72. drhaus says:

    Another Negative DP: No bonus this week for me from Chase after Wells Fargo transfer.

    7/3: Account opened with $40 in branch
    7/7: $1,000 ACH credit from Wells Fargo, posted as WELLS FARGO IFI DDA TO DDA PPD ID: INTFITRVOS
    7/18: no bonus, I’ll have to try from another account

    What a bummer.

    • drhaus says:

      Just to provide an update on this, I called the bank to ensure my promo code was attached to my account and found it wasn’t even though I opened in a branch (and was assured it was by the banker.) So they added it last night. I just had another small Wells Fargo transfer hit my account this morning so hopefully I’ll receive the bonus next week.

  73. Sergey says:

    If I opened a checking account in October, 2016 and then closed it in May, 2017, do I qualify for the savings account bonus?

  74. David says:

    Question about direct deposit:

    I setup an ACH from my local credit union.

    Transaction Type: Electronic transfer
    Appears on statement as: Deposit from …..

    Does this mean it should count as direct deposit requirements? Or should it be a different transaction type?

    Thanks!

  75. Justin says:

    Tried posting earlier, not sure what happened. Went to chase to open an account. I got a bonus last October, guy signs me up and actually creates the account. Then they say it’s within the last 12 months! I said it’s calendar year, account was already opened unfortunately as well before he told me this. Manager came over and said it’s per 1 year so i’d have to wait until October. I didn’t want to argue so i left and told them to close the account. I assume i probably need to wait 90 days before even attempting this again, sadly it ends in August =/

    • Do you still have the account open? It’s per calendar year (also can’t have had account in last 90 days) so just ignore what the rep says

      • Justin says:

        It is still technically open. I Sm’d as soon as i read your comment and i’m going to go into a different branch today. he said he closed it last night but it’s still showing open online.

  76. MP says:

    Time for me to report back to the gang! 🙂

    Yey! Made it right under the wire! I got my $300 Chase checking bonus! It posted on Tuesday morning, the week after the DD posted, just like everybody else said. It’s still early for the savings bonus.

    First things first! Will, a huge “thank you” for all your hard charitable work for everybody’s financial benefit! I appreciate your integrity as well. Thanks also to all other contributors to this website!

    While the savings account was a piece of cake for me (just wrote a check), the checking was challenging because I don’t have direct deposit from work. When I reviewed the DP’s, WF was the obvious choice, but I didn’t have WF accounts and didn’t feel like opening them partly because of the hassle and partly because of potential loss of future opportunities. I tried all my existing accounts, just in case, but no luck. None of them worked, just like people were saying. What really annoyed me is that I did have a legitimate payment for some online work, but this company only transfers to PayPay. So, with the deadline looming, I finally opened a WF savings account and it was the winner!

    WELLS FARGO IFI DDA TO DDA PPD ID: INTFITRVOS

    I wasn’t sure till the last second if even this was going to work because there were some contradicting recent DP’s with this exact coding… It’s baffling that some worked and some didn’t… I think the reasons it didn’t work for some may be: 1) they’ve received the bonus before; 2) they have some other issues with Chase; 3) perhaps the round amounts… This time I also made sure the amount was not round because legitimate amounts of this type usually are not.

    What doesn’t work is not news, but some recent confirmation wouldn’t hurt. Those don’t work:

    CAPITAL1 P2P NAME WEB ID (regular CO savings, not 360)
    BANK OF AMERICA ONLINE XFR PPD ID
    PAYPAL TRANSFER PPD ID
    DISCOVER BANK P2P NAME WEB ID

    Btw, some people were saying that WF’s trial deposits triggered the bonus for them. That didn’t happen for me.

    I know you guys are pretty succinct, but I have to share the story of my stupidity!;-) While people have been picking up free money for years when it was easy and just about any ACH counted, I was receiving the offers from Chase and thinking that 1) Chase was desperate for customers; 2) It’d be nice to get this money, but switching a checking account is too much of a hassle. It never occurred to me that you don’t HAVE to switch accounts! You can just add them! I can’t believe what moron I was and as always I discover things when it’s too late. Granted, I also like my “exceptional” credit scores and squeaky clean financial affairs in any way and I’m kind of afraid of walking on the edge in this respect, but as somebody was saying: your perfect record shouldn’t be a dusty trophy; you should take advantage of it!

  77. MP says:

    “He said fair enough and saif if I was only opening the account for the bonus that I couldn’t close it within 7 months or the bonus would be withdrawn (think he meant 6).”

    It is 6 months, but this counting is kinda iffy because you don’t know how they count it. I’ll wait till there are at least 6 statements. It’s hardly worth messing things up by not waiting a bit longer. I’ll also close it in a branch and make sure everything’s in order. Actually, I may even leave the savings account for potential use for other bonuses. You only need to keep $300 in order to avoid the fee.

  78. Ty says:

    Opened Capital One 360 Checking account on 7/12. I was not targeted, have no Cap1 credit cards or other relationship.

    7/14 – $251 DD from Schwab Brokerage

    7/17 – $255 DD from Schwab Brokerage

    7/20 – $300 bonus posted

  79. Lana says:

    I went to three different Chase branches in New Jersey while I was nearby (I live in PA), and at the first one was told I needed to live within 30 miles of a branch to get the bonus, the next one I sat in the lobby for over an hour without me or anyone ahead of me being served so I left, and the third one I was told the regional manager had just (about two weeks ago) instituted a policy that you have to live within 50 miles of a branch.

    All in all, I’m not sure what the real story is, but I gave up.

  80. drhaus says:

    Got my bonus today of $300…last week confirmed with Chase my promotional code was not attached to my account when I opened in branch. For existing Chase customers, double check the banker who originally told me the promotional code was already associated with my account as an existing credit cardholder. Unfortunately the process of adding the code resulted in a hard pull on my credit.

    I had two Wells Fargo ACH transfers hit last Thursday ($20 and $25) and got the bonus today. They posted as:

    Jul 20, 2017 WELLS FARGO IFI DDA TO DDA PPD ID: INTFITRVOS ACH credit

    • Dave says:

      When the coupon is presented in branch, and applied to the application,
      the promotion is printed on one of the pages of the kit you receive.
      The Chase reps have always confirmed it while reviewing the kit.
      Did you see it printed on your papers?

      • J says:

        That’s interesting. My banker was very easy going and simply asked if I even needed the packet at all, I said no and she reassured me that the bonus was attached.

        • drhaus says:

          I did not see it on the paperwork and just assumed it was there. Didn’t think anything of it at the time since banker indicated the promo code was already entered in the system and attached to my profile. Worked out in the end but did result in the hard credit pull for some reason

  81. SkinnyElvis says:

    Just adding a data point:
    A direct deposit from Gusto triggered the bonus for me today.

  82. J says:

    Received my bonus yesterday. Either WF transfer or cap one invest triggered it.

  83. kirk says:

    does Fidelity EFT still work as DD?

  84. Raj says:

    Chuck , Dr of Credit , Will
    If we do it every year by closing and opening new accounts does it impact the credit score or check x systems reports ?
    Dont they track it and report it ?

    Thanks
    Raj

  85. mistike says:

    Reporting back too. My $300 bonus appeared today (pending). I had a $15 transfer from Vanguard on 07/25 and an actual DD from my employer ($75) on 07/27.

  86. dy says:

    The offer link doesn’t seem to work any more.

    If this is an extension of the same offer that was originally expiring on 6/15, will I be able to bring an email coupon that shows the expiration date of 6/15 now to a Chase branch and get it applied to new accounts?

  87. Josh Philpott says:

    Got my $300 bonus on the Tuesday after these 3 transactions posted. Based on prior comments, I’m assuming it was the Schwab that triggered it. I added the others as potential routes as a heads up for others to try.

    United FCU Funds Tran …….. WEB ID: …………
    Red Canoe CU OLBETRANSF 9.901.96 WEB ID: …………
    SCHWAB BROKERAGE MONEYLINK PPD ID: …………

  88. Daniel says:

    Got the $300 bonus this week. Made a transfer of $501 from Barclays Savings and a $30 transfer from Santander. Not sure which one triggered the bonus.

  89. Casey says:

    The “direct link to offer” is no longer working.

  90. Gadget says:

    Doc, link appears dead.

  91. Joe says:

    Looks like it’s extended until 9/28, link here: https://accounts.chase.com/banking/prep.do?ID=10373117

  92. Chris Baxter says:

    I’m assuming the reference to having “a Chase checking account” opened would disqualify you from this offer is referring to either personal OR business accounts? I have a business checking open and just wanted to make sure I would need to close that and wait the 90 days before going for another one of these offers. Thanks.

  93. John says:

    I just want to confirm that if I opened the checking/saving accounts on 8/3/2017, I can close the accounts after 2/3/2018.

    Does it consider closing accounts after six months?

    “Account Closing: If either the checking or savings account is closed by the customer or Chase within six months after opening, we will deduct the bonus amount for that account at closing.” Citibank

    Thanks!

  94. Derek says:

    Does anyone know if I can A) Open the Premier Plus Checking for Military and get a $300 bonus (I have the coupon for the Premier Plus Checking, I’m just not sure if it works for the Military account), or B) open the Total Checking and change it to the Premier Plus for Military at a later date.

    Also, I’m not sure if someone said it somewhere else, but is this one per household or person?

    • You should be able to product change at a later date, you should also be able to ask all these questions when applying in branch.

      • Derek says:

        Thank you, the branch is about an hour drive, so I was trying to find out before. It looks like I may have my answer from another person though. Thanks again.

    • lop says:

      You can probably do either, but I did A this past March. I opened in branch (in NY) for the $300 bonus (I only did the checking bonus). I told the banker I was a vet and after he checked my VA ID he upgraded me instantly to the Premier Plus Checking account. No product change was necessary for me, and the military account is always fee free (no minimum balance or other requirements). I opened the account 4March, followed DOC’s directions the following week (pushed from Santander and WF so don’t know for sure which worked) and like others here the bonus posted to my account the following Tuesday (14March).

  95. Kola says:

    I purchased one of these on eBay last night… bad timing. Oh well, only $1.

  96. mo says:

    So for my novice question… Paypal doesn’t work for direct deposit? (I didn’t see it listed as working or not working, but I did see a mention of a code that I am not familiar with). I did see one or two credit unions listed on the “working” list. Should I try my local bank to see if that will count as a direct deposit?

  97. AZ says:

    DP: Serve transfer works as a DD
    Opened checking 7/29
    Serve trial Deposits 7/31
    Serve deposit 8/2
    Bonus Pending 8/8

  98. titiex says:

    DP: WF +1
    7/31 Opened Checking
    08/03: $40 Wells Fargo ACH (WELLS FARGO IFI DDA TO DDA PPD ID: INTFITRVOS)
    08/08: $300 for New Checking credit

  99. Dave says:

    Chuck/DoC, Fidelity qualified as DD for me also.

  100. JT says:

    Hoping they’ll come out with the business checking bonus before the end of the year.

  101. Ry5 says:

    Will be opening an account today at a branch in NJ. Will report back.

    • Ry5 says:

      Opened it this afternoon in Raritan NJ. Couldn’t have been easier, even with 8+ open checking accounts in the last 2 months.

  102. Austin Auclair says:

    Can this be combined with the referral system?

  103. Jack says:

    Thanks Doc…got email coupons…

  104. Gadget says:

    Awesome. I am making a trip in about a week and thought this was going to be a bust this year because the coupon went away. I did Chase checking late last year, and wisely closed the account in the required amount of time to collect again this year. (Screwed up leaving US Bank open, so not all my decisions are winners)

    Had no issues w/ Chase and the bonus, other than taking a while to get the account in branch. Didn’t do the Savings one last year because I was doing Citi 15K, but now Citi is only taking the 15K every 180 days between accounts so I am ready. I guess Chase gets a turn to hold my emergency funds.

    • Dave says:

      “Screwed up leaving US Bank open, so not all my decisions are winners”

      Guilty of that also. I’m confident that they’ll have a bonus available in
      a couple months from now tho 🙂

      • Eric says:

        I wonder if we are the only 3 people to make this screw-up. Would you believe that I still haven’t closed my USB accounts?

        What makes you think that there will be another bonus so soon? Don’t they usually only have bonuses once per year?

        • Dave says:

          Oh, sry Eric, my belief is based on wishfull thinking alone.
          I haven’t noticed the timing of their bonuses at all..

  105. Newb says:

    to avoid the monthly Total Checking fee (DD $500+ / $1500 min. bal), do i need to satisfy them DURING the month when i opened the account or do i have a grace period? tia!

    • Think there is a two month grace period but can’t remember for sure.

    • Dave says:

      Sixty day grace is what the banker told me as well

      • Newb says:

        thanks! i forgot that i could also SM them. duhh! interesting that DD can be an ACH credit too! *unlike other banks which explicitly omits ACH transfers and dwell on employer DD.

        “XxX, we reviewed your newly opened account and we found
        that your Monthly Service Fee will be waived for the first
        two statement cycle period.

        Also, please be informed that Chase Total Checking(SM) has
        a $12 Monthly Service Fee. If one of the following is met
        each monthly statement period, we’ll waive this fee:

        – Direct deposits totaling $500 or more made to this
        account. Direct deposits can be an ACH credit, payroll,
        pension or government benefits such as Social Security,

        – Or, a balance at the beginning of each day of $1,500 or
        more in this account,

        – Or, an average beginning day balance of $5,000 or more
        in any combination of this account and linked qualifying
        deposits(1)/investments(2).”

  106. Kenny says:

    Hi, my spouse and I want to try this. Do you know if we can try to open separate accounts, but on the same physical address?

  107. Kenny says:

    My spouse and I wanted to try this. Can we both get separate accounts with the same physical address?

  108. Pete says:

    Helping a family member to open the Chase checking and savings combination — do we need to bring separate checks to fund each account? $1.5k checking and $15k savings, or can Chase accept split one $16.5k check between the two accounts?

    Thanks

  109. sonia says:

    if i open this account now (aug 2017) and close it in feb (2018), will I be able to open another checking account in aug 2018 and get the bonus again?

  110. The fallback, not-so-good Chase offer:

    Chase $200 Checking + $150 Savings Offer
    https://www.chase.com/checking/chase-coupon?jp_aid_a=65783350

  111. natklin says:

    DP: TopCashback payout on 8/7/17 ($6). Chase bonus posted on 8/15/17 ($300).

  112. Rohan says:

    Fidelity counted as dd ..

  113. kirk says:

    just another DP for Fidelity CMA

    8/03 opened Total Checking
    8/04 initiated $70 Fidelity EFT (ACH push)
    8/07 EFT posted as ‘FID BKG SVC LLC MONEYLINE PPD ID: 03xxxxxx03’ Type: ACH credit
    8/15 ‘$300 for New Checking’ bonus

  114. Mike says:

    First Technology Credit Union transfer counted as dd…

    8/4 – Opened Checking with $25 and Savings with $15K
    8/11 – $55 Transfer from First Technology Credit Union to checking
    8/15 – $300 for New Checking posted to checking account!

  115. LOVETOSHARE says:

    I have two $ 500 CHASE coupons sent via USPS to share.
    $200 bonus – $15,000 saving and $300 bonus – Checking with direct deposit.
    Offer expires September 2, 2017.

    COUPON CODE: XR9264623P63DF2F

    COUPON CODE: XR9264623P63CNW4

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