Posted by William Charles on October 12, 2018
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Published on October 12th, 2018 | by William Charles

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[CPC Customers, Targeted] Chase Business Total Checking $750 In Branch Bonus

Offer at a glance:

  • Maximum bonus amount: $750
  • Availability: Nationwide (not truly nationwide as not all states have branches)
  • Direct deposit required: None
  • Additional requirements: Deposit $1,000 & maintain it for 60 days. Complete five qualifying transactions
  • Hard/soft pull: Soft
  • ChexSystems: No
  • Credit card funding: Not available when opening in branch
  • Monthly fees: $15, avoidable
  • Early account termination fee: Six months, bonus forfeit
  • Household limit: None
  • Expiration date: January 4th, 2019

The Offer

No direct link, sent out via snail mail

  • Chase is offering a bonus of $750 when you open a new Chase Total Business checking account and complete the following requirements:
    • Deposit $1,000 in new money within 10 business days & maintain that balance for 60 days
    • Complete five qualifying transactions within 60 days of account opening. Qualifying transactions are:
      • Debit card purchases
      • Chase QuickDeposit
      • ACH (Credits)
      • Wires (Credits)

The Fine Print

  • To receive the business checking bonus:
    • 1) Open a new Chase Total Business Checking® account, Chase Performance Business Checking® (or Chase Performance Business Checking® with Interest) account or Chase Platinum Business CheckingSM account, which is subject to approval;
    • 2) Deposit $1,000 or more in new money into your new checking account within 10 business days of account opening; and
    • 3) Maintain at least $1,000 balance for 60 days from the date of deposit. The new money cannot be funds held by Chase or its affiliates.
    • 4) Complete 5 qualifying transactions within 60 days — debit card purchases, checks paid, Chase QuickDepositSM, ACH (Credits), wires (Credits). After you have completed all the above checking requirements, we’ll deposit the bonus in your new account within 10 business days.
  • You can receive only one new business checking account opening related bonus every two years from the last enrollment date and only one bonus per account
  • Checking offer is not available to existing Chase business checking clients, local, state or federal Government entities or agencies, Not for Profit organizations, Political Action Committees, or those with fiduciary accounts, campaign accounts, or whose accounts have been closed within 90 days or closed with a negative balance.
  • If the checking account is closed by the client or Chase within six months after opening, we will deduct the bonus amount for that account at closing.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Chase Total Business Checking $15 Monthly Fee

Chase Total Business Checking has no monthly fee when you maintain a daily minimum balance of $1,500 or more. Otherwise a $15 Monthly Service Fee will apply ($12 Monthly Service Fee when enrolled in Paperless Statements). This is the easiest account to keep fee free.

Other ways to waive the fee: if you maintain a linked Chase Private Client Checking or Chase Premier Platinum Checking personal account. Reports indicate that Chase usually waives the fee for the first couple months.

Early Account Termination Fee

Accounts need to be kept open for a minimum of six months; otherwise, the bonus will be forfeited.

Our Verdict

Standard bonus is $300, very rarely we see public bonuses for $500. This seems to have been targeted towards Chase Private Clients, if you didn’t receive the targeted offer it might be worth going in and directly asking for it since CPC are supposed to be high valued customers that are looked after. I wonder if this is part of the roll out of Sapphire Banking as well? Apparently new Chase Private Clients will be offered $1,250 for signing up.We won’t be adding this to our best business checking bonus page as it’s not publicly available.

Hat tip to reader Joe DiFalco

Useful posts regarding bank bonuses:



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This is not the first time they offered this. However, last may it was $2,500 and 5 qualifying transactions.

If anyone has a spare mailer let me know 😀

I applied for chase business total checking with the bonus after reading your post. However, on day number 10 of 60 days needed a 70 dollar check bounced and my balance on my checking was 940 dollars for a few hours. Did I ruin my chance of getting the 300 dollar bonus? thank you for the time in formulating a response , Jodi

Damn, may need to look at this. I opened a total business check account about a year ago but got screwed when I transferred 1500 from my chase personal account (the business banker said verbatim this would satisfy the requirement) instead of from an outside account. Didn’t get the bonus and canceled the acct shortly after. I think there is a 12mo language to this account perhaps? But I will prboably go into the branch sometime and see what’s up for CPC

So even with the $12 monthly fee you could move out the cash after the first month and pay $60 in fees and still end up with $690.

How to avoid the fee in Chase lingo:

Chase Total Business Checking® has no Monthly Service Fee when you maintain a daily minimum balance of $1,500 or more or if you maintain a linked Chase Private Client CheckingSM or Chase SapphireSM Checking personal account. Otherwise a $15 Monthly Service Fee will apply ($12 Monthly Service Fee when enrolled in Paperless Statements). Product terms subject to change.

Assuming you got this as a CPC, you won’t have to have any type of account balance after the initial deposit and bonus hits.

Oh missed the title where this was targeted. Luckily I didn’t go into a branch yet asking about it. Seemed to good to be true.

That’s weird, my most recent email was from 2 days ago and the deposit minimum is $2500 + 5 qualifying transactions. No maintenance fees if linked to your CPC personal account.

If you’re not a CPC can you still use a code?

That’s what I’m wondering as well. I know a CPC who could almost surely get me a code.

Link takes me to $300 offer.
What gives?

And the rich get richer. $250k entry eliminates most people from preferred clients status.

I bought a mailer code for $100 or $150 (half up front half after) off reddit for this in June/July, went through without a hitch even though I am not CPC. Banker didn’t even mention it, just standard anti-fraud talk mostly.

I can’t say for sure, but seems likely that the code is reusable.

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