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Jeremy
Jeremy

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

My last bonus was from account opened June 9, 2018 and bonus paid on July 3rd, 2018 for checking and September 18, 2018 for savings.

1) Am I eligible for the bonus again now? It’s been 2 years since I last signed up for a checking (but less than 2 years since I was paid the bonus)

2) Any data points on shut down for churning this too much? I already did it 2x…this would be round #3.

arizonapv
arizonapv

I think there might be a message that pops up if you are not eligible.

SamL
SamL

This is correct. I got the popup a few minutes before midnight ET on the 2 year anniversary*. When I tried again just after midnight, I could proceed with account opening.

*I think it’s actually 1st business day on/after 2 year anniversary, and literally at the stroke of midnight ET.

SamL
SamL

You can open now. People here have done it a lot more times than 2.

Eugene
Eugene

I just closed Chase account, where my wife was joint owner. If I open account on her name will it work for the bonus purposes?

Devin
Devin

Here’s a clarification on what this language means in practice, at least according to Chase. Hopefully this will help some of you.

January 20, 2018 – Opened Chase Total Checking
February 01, 2018 – $300 Bonus Received
July 21, 2018 – Account Closed

I saw the Chase Total Checking + Savings $900 deal this year and decided to pursue it. The only issue is it expired on January 17, 2020 (3 days before my official 2 year date from last enrollment)

I decided to interpret it as you can only receive a bonus 2 years from that last enrollment date, because that is exactly how it is worded after all. RIGHT???

January 10, 2020 – Opened Chase Total Checking + Savings
April 13, 2020 – Received $200 Savings Bonus
XXX – MISSING THE REMAINING $700 FROM THE BONUS OFFER

Called Chase, escalated, escalated, went back to the branch manager who I opened up the accounts with…No Luck. I’ve succeeded at confusing some of them with why I’m eligible for the savings bonus, but haven’t gotten the rest of the bonus. But still no money.

So the verbiage reads as: “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.”

TO BE MORE ACCURATE, IT SHOULD READ AS: “You can ENROLL in only one new checking and one new savings account tied to a bonus every two years from the last enrollment date.”

It is about enrollment, not when you receive the bonus. I knew this in my gut, but I had to try anyways given the bonus amount. It’s only painful because there was that 3 day gap between when the bonus was going to expire and when my true 2 year date would have been.

SamL
SamL

According to the rules, there was just no possible way you could get it. Lost cause.

Ramchandra
Ramchandra

I have an account opened two years back. Can I close it and apply for new one a month from now to receive the bonus?
“Every two years from the last enrollment date” clarifies that the restriction is from account opening date but is there any restriction from account close date to next account open date?

Mike
Mike

90 days.

Jim
Jim

Any new data points on the bonus after two years since last attempt?

I opened both accounts 1/3/18, so I should be past the “two years after enrollment date”. I tried opening a bonus offer in December 2019 as a test and got the pop up notice, as expected, that I was not eligible for the offer.

I tried applying again yesterday, 1/8/20, but got a pop up notice that I’d only qualify for the savings offer (i.e. not the checking)…? If the two years is calculated from account opening, I should be clearly eligible for both checking and savings

I wouldn’t mind trying in branch, but don’t know if that fixes their date calculation bug..

beat2def
beat2def

One bonus for a checking is either personal OR business? You’d have to pick one?

Brian C 🐕

You can do both

Duke I.
Duke I.

DP
10/18 Opened Checking account 2 years 1 day from last enrollment date
10/23 ACH from Schwab kept the account fee free
11/8 DD from Employer
11/12 $300 Bonus Posted

Shaw
Shaw

Could you share if the last enrollment date is your checking account’s opening date or closing date?

Duke I.
Duke I.

It was the opening date.

Betelgeuse ㊙️

Duke I. Was last enrollment date 10/17/2017? Did you try the day before to see if you were eligible? I’m wondering how the 24 months is calculated.

Duke I.
Duke I.

No I didn’t try. But if you’re not eligible the system won’t take the promo code when opening online. You’d get a system error.

Betelgeuse ㊙️

Duke I. Thanks. I was wondering if It was 2 year anniversary Date or 1 day past 2 year anniversary date.

Duke I.
Duke I.

Alright. This would be a good reason why everyone should keep a spreadsheet of all their checking deals with opening and closing dates. Makes the process of churning less time consuming.

EDUARDO BAEZ
EDUARDO BAEZ

Duke,

As you stated, the last enrollment date is based on the opening date.

My last enrollment date was January 10th, 2018, when I opened both checking and savings accounts for a $600 bonus.

I did try to open new checking and savings accounts for the $900 bonus on January 7th, 2020 from Chase web site, and got a message stating I had already received a similar offer and asking me if I wanted to proceed without applying the promo code.

To play safe, I waited two years and two days after the enrollment date.

So, today, January 12th, 2020, I applied online without any problem and at the end of the online application received a detailed confirmation of how the $900 promotion code had been applied.

Please see detailed confirmation below.

The XXXXXXXX is a different confirmation number for each section of the $900 bonus.

We applied your coupon.
$300 for New Checking
XXXXXXXX
$200 for New Savings
XXXXXXXX
$400 Extra Bonus
XXXXXXXX

curtis leasure
curtis leasure

So, I opened a business checking with Chase back in 12/2017 and didnt get any bonus on a technicality. I just opened a new busines bank account with my local banker 10/22 and he called me back saying I wasn’t eligible since I OPENED a business account within two years. I assumed based on the fine print that you weren’t eligible for two years after RECEIVING a bonus. Anyone have any insight on this?

Jason_08
Jason_08

Other DP seems to point to opening date (such as Duke who posted just before you). Hmmm

Betelgeuse ㊙️

It seems so based on the terms but based on other dp and yours the computer seems to count any opening date regardless of bonus received or not.

Sam
Sam

Closed my account Sept 16, 2018 (before this Sep 20th date mentioned) Would they let you know if you don’t qualify for the bonus? Or do you just chance it.

CT
CT

Can’t hurt to ask but reading the end of the post it sounds like do it at your own risk.

Joe
Joe

I opened a Chase Checking for the $300 bonus in 8/2018 (pretty positive bonus would have been received in 2018 based on opening date?), then closed the account 2/2019 — Am i eligible for the $300 Checking bonus again now? (New calendar year, accounts been closed over 180 days) — I’m referring to this bonus: (300 checking / 200 savings or 600 for both): https://accounts.chase.com/consumer/banking/online?px=YZ23292&jp_aid_a=54209&jp_aid_p=retail_checking_hp/tile

tribesman55
tribesman55

Did you ever find out if you were eligible?