Published on April 20th, 2019 | by William Charles

Chase $600 Checking + Savings Bonus

Update 4/20/19: Deal has been extended until June 15th, 2019. Hat tip to reader bholden1

Update 3/24/19: Deal has been extended until April 23rd, 2019. Hat tip to reader Abey

Update 2/27/19: New working link found. Thanks to reader Cari

Update: 1/15/19: Another new working link found. Do this quickly if interested as last time Chase pulled the link within a day or two. Hat tip to reader naimsalman.

Update 1/9/2019: New working link found. Valid until January 17th, 2019. Hat tip to reader An Xiao

Update 11/15/2018: New working link found. Valid until January 12th, 2019.

This bonus contains language stating:

You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Bonuses are considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Previously you could do these bonuses once every calendar year. More information on that change here.

Offer at a glance

Maximum bonus amount: $600
Availability: Nationwide, though the online link won’t work unless you have a branch in your state.
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 $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 months
Household limit: None listed
Expiration date: ~~January 17th, 2019 March 5th, 2019 March 23rd, 2019~~ April 23rd, 2019

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
4 Our Verdict

The Offer

Direct link to offer

Chase is offering a checking & savings bonus worth up to $600. Bonus is as follows:
- 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 20 business days and maintain a balance of $15,000 for 90 days.
- Receive an extra $100 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 with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
To receive the $300 checking bonus: 1) Open a new Chase Total Checking account, which is subject to approval; 2) Deposit $25 or more at account opening; AND 3) Have your direct deposit made to this account within 60 days of account opening. Y
our 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. After you have completed all the above checking requirements, we’ll deposit the bonus in your new account within 10 business days.
To receive the $200 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 20 business days of account opening; AND 3) Maintain at least a $15,000 balance for 90 days from the date of deposit. The new money cannot be funds held by Chase or its affiliates. After you have completed all the above savings requirements, we’ll deposit the bonus in your new account within 10 business days.
To receive the extra $100 bonus: You must 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 checking account within 10 business days.
You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Bonuses are considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

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

This is the best public bonus we’ve seen on this account. Previous best was up to $525. Keep in mind the new language. The link itself doesn’t seem as generic as some other links do, but I played a bit with the URL string and other numbers seem to work so if each link is single use it might still be possible to change characters to get it to work. Let’s hope it’s not single use. This is definitely worth considering if you can do both bonuses, and I’ll be adding it to the best checking & savings bonus page.

Big thanks to reader, Jason W who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

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Leave a Reply

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Pranav

I applied for the $500 promo (combined) about 15 days back. Will chase match this promotion?

Cynthia

I also applied for the $525 version. I’d like to know the answer to this as well.

Rye

don’t worry, the $600 might not even work or NOT available for you.

the link for the $600 does NOT work for me, but the $500 & $225 does.

Bharath

Yes, the link for 600 did not work for me.
After I enter my details, I get the error “This part of the website is not working. You have restart your application.”

Tried this multiple times.

AkJohnny

use the $500 one and have bonus $100 added via sm.

Rhey said they would for, in so far as I had a code for $500, but not one for $600. If i found a code they would apply and the bous would then be 600.
(anyone with an unused Chase $600 code?)

Dylan

“You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account.” Does this mean that the one bonus per calendar year thing is ending or am I reading this incorrectly?

Radster

Good catch. This looks new to me!

Jim

Wow, looks like they’re really reigning things in, alongside their credit cards

Thanks for pointing this out

captainsave

Where did u find that in the term?

DaveinAZ

On 1/15/19 with the link to the new $300 checking bonus it says “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.”
– I’m not seeing any of the two years language. I closed my Chase account July 2018 from the last bonus, so not sure whether to try this.

Shirley

You need to look at the end of that paragraph where it specifically says:

“You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account”

J Oh

I waited 2 years between closing accts (from last bonus go around) and got credited again

Kat

What is the enrollment date? When you got the bonus or when you closed the account? Thank you.

Steve

How is it available nationwide if the link won’t work in a state without a branch? Minnesota has no Chase branches so I can’t open an account. Just asking in case I’m missing something.

Alex

Well, I live in PA, and there are no branches here, so I can’t open it online. However, I can drive an hour over to ohio where there are branches and open up an account with a coupon code.

Hussain

Calcutta, Ohio?

Branches started opening in pa yesterday. Today they open a branch in center city Philadelphia.

Ann

Chase is huge enough that it’s close enough to nationwide that he didn’t want to bother listing all the states, I guess. Here are the states with Chase branches, as of a year ago, from gobankingrates.com:

States Where Chase Bank Is Located # Branches in Each State
Arizona 259
California 1010
Colorado 114
Connecticut 25
Delaware 2
Florida 401
Georgia 83
Hawaii 1
Idaho 20
Illinois 371
Indiana 179
Kentucky 59
Louisiana 160
Massachusetts 2
Michigan 244
Nevada 49
New Jersey 215
New York 762
Ohio 284
Oklahoma 32
Oregon 117
Texas 643
Utah 54
Washington 206
West Virginia 25
Wisconsin 73

That’s half the country in terms of number of states, and probably at least three-quarters in terms of population covered in those states, plus those who can drive to a branch from a nearby state.

Pablo

Strange thing is that when I try to open an account online with this offer, I get an invalid coupon notice and I live in Massachusetts which Chase has a branch there I guess? The thing to consider is that I live in Western Mass while the only known chase branches are in Eastern Mass so maybe there is also a certain amount of miles away from branch within individual states? Not sure.

Kid

I get the same but there’s a Chase bank right across the street from me.

Rye

same here.

This might be targeted or regional?

(the coupon for $500 or $225 works for me.)

Broseph

I live in Mass and got this message too. I changed my VPN to New York and got it as well but applied anyway through the VPN. We’ll see if I qualify still.

k.m.

hi there. just a heads up, here in Hawaiʻi theres only a chase atm not a branch, and its in the disney resort. im confused whether i can or cant open an account because there isnt a bank branch.

DBR

There are NO branches in Massachusetts….there are only 2 ATM’s. Branches are coming soon per this article https://www.bizjournals.com/boston/news/2018/04/06/chase-chooses-three-locations-for-its-first-local.html

Michael

As you’re in S. Mn, you will have to travel to visit a Chase Branch. I’ve gotten bonuses for opening accounts at the Chase Branch in Steven’s Point, WI. Maybe of interest to you. 😉

MN resident

I was able to open a checking account last week for the $300 bonus and planned to do the $225 savings but that and this one seem to not work for me – MN Resident

Rob

Holly smokes! I also live in Minnesota and have never been able to open any chase bank accounts HOWEVER; I think it actually worked this time! When it asked if I was a chase customer I logged in with my credit card info and it didn’t auto reject me like usual. Not sure if just lucky or what changed but I’ll happily take it.

payyoutuesday

“Only one new checking and one new savings account opening related bonus every two years from the last enrollment date.”

This is new isn’t it? Hasn’t it been “per calendar year” before?

Scott

Would a business checking account work against this offer?

mift

“You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account.”
Is that new? I thought it was usually one per calendar year.

Kelly

I just applied for this today in branch (GA). I had a coupon code but I couldn’t open the account online.

Bharath

What coupon code did you use?

Adam

@Kelly So for clarification you got the “invalid coupon code” when trying to open online, but then were able to apply in branch and successfully get the $600 bonus?

atinge

I received multiple codes of $300 credits for 25000 saving.

Eric

Anyone know if a joint account owner (my wife) can open her own account to qualify for this bonus?

We opened a joint Chase acct a long time ago to do our banking before getting into churning so we’ve been missing out on these Chase bonuses. I’m the primary on the acct if it makes any difference.

Ann

I don’t know about Chase, but I know joint ownership has disqualified people on other banks’ promotions. I think you’re both out of luck as long as you keep using that account. I am too tied to my longtime Chase account that I never got any bonuses from too, you win some you lose some. 🙂

Eric

Yea I figured that may be the case. It’s a shame because Chase has some of the juicier bonuses but, like you, I have too much going on with them to simply up and move.

Plus, with the new 2 year restrictions on churning Chase, it’s an even less attractive move for me.

John Seggman

I’m in the same boat Eric, except my wife was added onto my account after we got married. I wonder if she would be eligible in that case then?

Craig M

William Charles

“You can receive only one new checking and one new savings account opening related bonus every two years” [second to last bullet point under “The Fine Print”]

If I am reading the post correctly, you stated bonus is max once every year

JuicyJosh

The majority of these offers are the same for each new iteration. I would take DoC details as general statementa and ALWAYS read the terms for yourself. There is way too many offers to constantly keep up with from DoCs perspective.

William Charles

Thanks, updated post.

Kat

What is the enrollment date? When you got the bonus or when you closed the account? Thank you.

Rye

ACH pull from Chase (from another bank) countd as deposit?

My CU is not able to do ACH transfer to another bank

Geoff

Just write a check and mail it in.

Shirley

The Chase $225 bonus for opening up a savings account also has the new restriction of a bonus every 2 years even though when I opened mine on Sept 10th, it had the old language of once per calendar year (as shown on the screenshot I took and email received from Chase).

The still current $525 checking/ savings bonus also shows once per calendar year so it is a mixture right now.

As JuicyJosh stated earlier, reading the terms for yourself is always a good idea to avoid issues.

Steven

That 90 day rule – a reminder that this is CHURNING and accounts have to be closed in order to quality. Saying this out loud for myself, because I’m not eligible and could easily be.

amnesiac

got $200 bonus last 2012 and closed my chase checking/savings last june 30,2018 i am qualified right?

Steven

Should be the case. It’s 90 days from close, and we’re definitely 90+ days from 30 June.

amnesiac

thanks

Dan

I put my zip in and it offered me a $200 checking bonus instead of $300. Near Philly. The last $300 offer from the other week never went through, despite my initial $25 funding deposit putting a hold on my debit account 4 times. I didn’t add funds while signing up this time so hopefully they’ll allow me to get the bonus if I do that in the next couple days.

Did you end up getting the bonus, despite not funding initially?

lisa

I’d like to know this as well. I completely missed that part!

Joe

Anyone? I missed this too. D’oh!

XXX

Me too. I didn’t fund the account AT ACCOUNT OPENING, but transferred money into Chase Account a few days later

Stampede

I got the bonus despite not funding initially.

Rye

I’m getting coupon code is invalid. I’m in MI

Rye

The link for the $500 and the $225 works, so I think this $600 bonus is not available for all even if you have a local Chase nearby like me

Steve F

The newest link updated on 2/27/19 worked for me fine in MI. I opened using my phone and got a confirmation page showing all three bonuses attached.

akjohnny

Can I do this and the sapphire 60k bonus?

Chuck

We’ll have to wait to find out. My guess: they will apply the 2 year terms to the Sapphire bonus.

Dan

I got the sapphire bonus and then a month later went for these when they were $525. I’ve received the checking bonus and waiting on my 90 days for saving

Chase $600 Checking + Savings Bonus

The Offer

The Fine Print