Update 03/01/18: There is now an option to add a promotional code yourself. Hat tip to reader Spartan24.
It might be possible to use a Chase checking or savings coupon code by simply opening an account online and subsequently having the branch coupon code applied via Secured Message.
There’s currently an offer to get $300 from a Chase checking bonus online and there are also offers to get $300 for a Chase savings account with $25k or $200 with $15k. Unfortunately, a lot of people are not eligible for the checking offer based on geography. Even those who are, myself included, are getting a glitch where only the savings code gets applied, not the checking code. (This is apparently fixable, see this comment for more information.)
When messaging them about the glitch, Chase confirmed with me that they could apply a promo code after the fact, provided it’s within 21 days. I was having some trouble getting the public online offer applied to my account before remembering that I’d recently received a mailer for an in-branch $500 offer. On whim, I sent Chase a secured message asking that they apply the mailer promo code to my online-opened checking account. A few hours later they SMed back that they are sending it to a team to take care of, and not 10 minutes later another message came that it was done and the $300 promo successfully attached to my account.
It’s possible that this was a one-off due to the public offer link, but my impression is that this team didn’t know a thing about the public offer, and that this workaround will work for anyone who has a $500 branch bonus online. Simply open an account online without a promo code, then have the branch-only promo code applied after-the-fact via SM. Getting hold of these branch $500 offers is pretty easy: they’re often publicly available or you can try buying one on eBay or getting from a friend.
No guarantees it’ll work, but it’s good pajama money if it does. Let us know if you try.
Any idea if this works for Chase Business Checking account?
I could not add in my in-branch promotional code in via the web interface under the “things you can do” section, but I was able to send a secure message and they applied the promo code within 1 business days. This does indeed work for in-branch offers, which is especially interesting since the “online” application link died/expired on 3/3/18.
Did they ask for you to confirm your address first?
No. I was logged into an account that had credit cards when I did the application though not sure if that changes things.
I sent a secure message asking for them to apply my coupon code and they said they sent it to their E-Coupon research team and would reply within 1 business day. Did they tell you the same thing?
I had one account say that and one just applied it. The two accounts were for my 2 parents.
I hate going into the branch. But sadly my chase online doesn’t show this option at all. I do have this “style” of the site but not seeing the coupon option listed at all. Maybe because I couldn’t get the checking account to open online.
You have to go under the “things you can do” dropdown when selecting your chase checking account. See this though: https://www.doctorofcredit.com/how-to-use-a-chase-in-branch-checking-bonus-online/#comment-566919
Does this now work for people who are told they aren’t in the right region?
No, this doesn’t change the opening process at all. You can still open an account if you’re in the wrong region, you just have to do it in branch but in that case the above method isn’t help as your promo code will already be attached.
hi if i just recently got shut down from chase for my chase checking a month agonot for perk abuse would it be possible to apply again this week to get this checking bonus? or would you reccomend waiting? thank you mr charles
I’d probably wait if you got closed down for perk abuse…
what does “perk abuse” imply? thanks
No idea in this case, probably a cranky banker and this person opening multiples over the last 4-5 years. It’s rare to see.
Dear
Thank you for your interest in opening an account with us. Unfortunately, we have decided not to open an
account for you now, based on information contained in your consumer report(s) from the consumer
reporting agency(ies) listed below. Experian
Been churning savings+checking with them for years and first time I’ve ever seen this. Have 6 CCs with Chase currently too. Any ideas?
Not to sure, do you have any negative items on your Experian report?
Nope I just checked Experian and it’s clean. Why would they check Experian for a simple savings account? Doesn’t make sense.
Agreed, but they list Experian. They should send you a notice of adverse action
is this only avail for new checking and savings account holders?
Yes
I tried for the 300$ savings bonus. I have an existing checking account and when I login using my chase credentials, it says
“ Unable to continue. The product is no longer available in the zip code you entered.”
Any way to get around this??
Even when I try to open the account online without the promo code I still have the same geography problem as before. They will not let me open a new account to have the promo code applied after the fact.
Ahh, okay, I had thought the geography issue was just for the promotion; didn’t realize Chase won’t allow anyone nationwide to open an account.
Have you actually tried to open online and was rejected due to the zip code? I know in the past it asks for the zip before the application starts and stops right away if there’s no branch in the area. I just tried the link a few minute ago and it asked for personal information instead of zip right away so seems like i can actually start the application if i wanted to, but i didn’t go forward as i’m not ready to apply yet.
Isn’t a secure message a standard email?
It uses the Chase online secure message system within the Chase.com login.
If you think email is in any way secure, I have bad news for you.
it is impossible to apply for any chase saving or checking account with bonus online if there is no chase physical branch in my living State, right?
I can see it working with the trick outlined in this post. Can’t say anything for certain.