Update 9/5/25: Extended through 1/21/2026
Offer at a glance
- Maximum bonus amount: $900
- Availability: Nationwide, online or 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
- ChexSystems: Doesn’t pull
- 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 monthsNone - Household limit: None listed
- Expiration date:
April 19, 2023January 24, 2024April 17, 2024July 16, 2025
Contents
The Offer
Direct link to offer (incognito)
- Chase is offering a checking & savings bonus worth up to $900. Bonus is as follows:
- Receive a bonus of $300 when you open a Chase Total checking account and have a direct deposit post to the account within 90 days.
- Receive a bonus of $200 when you open a Chase savings account and deposit $15,000 or more in new money within 30 days and maintain a balance of $15,000 for 90 days.
- Receive an extra $400 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 whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
- You can receive only one new checking and one new savings account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use.
- To receive the checking bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposit made to this account within 90 days of coupon enrollment. Your 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. Person to Person payments (such as Zelle®) are not considered a direct deposit. (Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account.)
- After you have completed all the above checking requirements, we’ll deposit the bonus in your new account within 15 days. To receive the 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 30 days of coupon enrollment; AND 3) Maintain at least a $15,000 balance for 90 days from the coupon enrollment. The new money cannot be funds held by you at Chase or its affiliates.
- After you have completed all the above savings requirements, we’ll deposit the bonus in your new account within 15 days.
- To receive the extra bonus: You must open the checking and savings account at the same time and 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 account within 15 days.
- To receive any of the above bonuses, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. The Annual Percentage Yield (APY) for Chase SavingsSM, effective as of 12/29/2022, is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.
- Bonuses are considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
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
New accounts will not be charged a Monthly Service Fee for at least the first two statement periods.
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
New accounts will not be charged a Monthly Service Fee for at least the first two statement periods.
Early Account Termination Fee
There used to be an six-month period where you would lose the bonus if closed out, but sometime in 2022 (?) they removed that clause and so it’s now safe to close after you receive the bonus paid out.
Our Verdict
This is the best public bonus we’ve seen on this account, really excellent offer and much better than the prior $600 offer.
Those who have done a Chase bonus before can do it again after 24 months. Look for the opening date of when you opened your last checking/savings accounts (not the bonus date), then wait 24 months before opening the new account. That will make you eligible for the new bonus.
Be sure to have the $15,000 sent directly to the Chase savings account. If you send it to the checking and then transfer it over to the savings, I don’t know if you’ll earn the savings bonuses. (Update: there are reports on both sides of this. Report link | Counter-report link)
RELATED posts:
- How To Find The Chase Bank Account Bonus Tracker
- PSA: Don’t Use ACH-Pull for Chase Bank Account Openings, Avoid Account Lockup
- Does Chase Match a Checking or Savings Bonus? (Yes, For 21 Days)
- (Update) My Experience Signing Up For The $900 Chase Checking & Savings Bonus
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
Post history:
- Update 7/3/25: Extended through 10/15/2025
- Update 4/3/25: Extended through 7/16/25
- Update 1/9/25: Extended through 4/16/25
- Update 10/3/24: Extended 1/22/2025
- Update 7/11/24: Extended to 10/16/24
- Update 4/5/24: Extended through 07/24/2024
- Update 1/11/24: Extended through 4/17/24
- Update 11/13/23: Extended through 1/24/24
- Update 10/6/23: $900 bonus is publicly available again. Valid until 11/16/2023
- Update 8/2/23: We’re hearing sporadic reports of people who get this offer to show up on the Chase homepage or at this link or this link. Possibly refreshing a bunch of times can help. No such luck for me. Update 8/6/23: now it’s being sent out as a physical mailer as well. (ht doernonemasterall)
- Update 7/14/23: A bunch of readers report getting this offer again – it was just sent out as a targeted email offer.
- Update 4/30/23: There are a couple of data points indicating that the $900 promo code will still work beyond the 4/19/23 expiration date. There is no link to generate new codes, but if you already have a code you can applying it and see if the Chase system accepts it. YMMV. (ht Tikky) Update 4/17/23: Reposting as April 19th is the final day to open for those who already generated a code. The offer link is dead and no new codes can be generated. (For those on a tight eligibility timeline: the system should give you an error message if you are not eligible for the bonus.) Update 2/6/23: Link no longer works to get new codes. If you already generated a code it will continue to work until the 4/19/23 expiration. Update 1/13/23: We posted this yesterday as a targeted offer, and there’s now a public link (updated below). Wow! If you’re not ready to open the account now, I’d recommend quickly using the email option to save the offer for later since the link can expire at any time.
How much direct deposit is needed to qualify for checking account bonus?
$1, or more.
Alice
Opened 9/4 in branch, got “[First name], get your bonus in just a few steps” email on 9/11 with all the dates. Enrollment 9/4, savings deposit by 10/4, maintain through 12/3. Basically opening date + 30 days and + 90 days as documented several times here before.
Are you using this code QA46422222CY4FEM?
No, I had the previous offer code emailed to me, but there was a comment about someone using the new code in-branch: https://www.doctorofcredit.com/targeted-chase-900-checking-savings-bonus/#comment-2139404
Opened account 2 weeks ago.
Deposited $8k (cash) directly into savings.
Deposited $10k (check) into checking.
Seeing reports that moving over $7k from my checking to savings won’t work?
Alternatively, I should withdraw cash from checking and re-deposit directly into the savings?
Yes
I suppose you mean yes to both. That’s frankly ridiculous, but will do.
Checking withdrawal then savings deposit. If too much for the ATM, the banker will think I’m nuts.
It shouldn’t be an ATM issue, two separate transactions.
They have ATM limits on both withdrawals and deposits. Also really don’t want to do this because can be accused of structuring and have far greater problems.
Maybe use a hub account to pull and push. Or a reasonable banker would understand that you’re trying to meet the bonus requirement.
Ya. I’ll do the opposite actually, push then pull, if that’s ok.
Do you mean push an additional 7k into savings? Then pull the other 10k (or however much) from checking? That is probably better.
No I did not mean that. Did not have extra 10k on hand, would require some additional transfers I’d like to avoid. I meant to push the $10K from my Chase checking to my external checking. Then pull that $10k from my external checking into my Chase savings. What’s the problem with that? I thought recent DPs even say it’s fine if it comes through my Chase checking which would render this whole process unnecessary altogether?
I would advise against that. Chase is probably sensitive to pushing large funds out. And pulling large funds in.
The problem is the push (as opposed to pull from my checking)? Or the problem is that they will determine that it’s not new funds? This whole thing is absurd, didn’t realize I can deposit check straight into savings, did not envision this problem at all.
The problem is Chase is super fraud sensitive and more likely to hassle you or close your account if you initiate the transactions from their end.
Oh ok. Can’t seem to understand why it makes a difference where it’s initiated. But if I understand correctly now, you think I’m fine to do as follows:
1. Use my external checking account to pull $10k out of my Chase checking
2. Use my external checking account to push back $7k into my Chase savings
Simple as that? No problems that Chase will say the funds are not “new funds”?
Yes, that is fine. Assuming your external account has decent transfer limits and hold times and won’t give you trouble for moving money around.
If you have a tracker for the savings promo, you could transfer it internally and give it a few days see if it counts… if you have time…
I have 17 days left. Is showing a tracker on the savings, not the checking. I can do that, just don’t want to have “new funds” problem where I need $25k in my savings or they’re calling it old funds.
Recent DPs say it’s fine if it flowed through checking or not?
The DPs on it seem pretty limited.
If you can comfortably use your external account to pull from the checking and push into savings, I’d just go ahead and do that.
Huntington Bank. It’ll take at least a week, if not longer, to make both transfers. Hate pushing money to new account (pray you don’t make a mistake, but I’ll do what I need to do. What an absurd policy.
I’m not familiar with them.
I think a reasonable banker/teller would take care of you if you explain to them what happened. It should only be an issue if they file a suspicious activity report.
Whatever you feel is best…
Reasonable banker would take care of me if what?
I meant talk to a Chase banker and tell them that you screwed up the bonus requirement by depositing the check into the checking account, etc.
Ok, thanks for the help. Chase should fix this absurd policy.
To be clear, I was circling back to your earlier comments about withdrawing 7k cash and depositing it right back and structuring.
Gotcha thanks for the help
And now my Huntington account stopped the transfer and advised that I need to provide documentation for them to un-suspend the account transfer.
Will take a few more days 🙄
This is what Chase probably would’ve done if you pushed and pulled from their end… Hopefully Huntington is good about these things. I had some uncertainty about this, hence the caveats and circling back to just handling things with Chase in-branch.
Can still try doing the push and pull with Chase really. May just wait a few days for Huntington to un-suspend. Thanks.
Why not just do the cash transaction in-branch? Also, obviously make sure Huntington doesn’t still try to do the transfer if you’ve moved the money already…
Seems they already cancelled the transaction, but ya good point.
Didn’t want any structuring flags there, but maybe I will if I get a chance to go during biz hours.
Good luck. I’m no expert, but as I’ve said before, I think it’s only an issue if the bank files a suspicious activity report.
For future money movement, you should have a good hub account that won’t hang you up like this. Brokerage accounts with Fidelity, Schwab, etc. HYSA with good transfer limits. Also, letting 18k sit around earning basically no interest for longer than necessary for this promo isn’t ideal.
Thanks, I appreciate that info. Ya, interest burn plays a role here but the $900 bonus far exceeds it. A couple weeks of extra downtime is annoying, but so be it (the hassle is the bigger annoyance here).
Fwiw, phone rep said it won’t code as new money. Pulling now from my external and I’ll push into my Savings next week. Hopefully no suspicious activity.
FYI, if you get a message like “We were unable to open an account with the info you provided.” try making sure your DNS isn’t blocking certain domains (e.g. adblock), and turn off adblock/ublock origin, etc. They apparently are using a 3rd party (e.g. chex or experian) service to validate identity, and if this request gets blocked you get this generic error. I was able to get it to go through (after several failed attempts) after the above.
Thanks for this note. I use uBlock on desktop and run Pi-Hole on my home network, and was getting this error message. I was able to open the bank account successfully on my phone (iOS, Safari).
WHen I am proceeding to my application, it says “The coupon code you entered is invalid.” – Closed my chase account about 6 months ago. OPened last in Aug 2024 for a similar bonus – am I not eligible for the bonus or did I not read the terms carefully?
Both.
See you next August. 24 months from last coupon enrollment… (opening).
honeyras
Helpful, thanks!
TreasuryDirect is still working as a fake DD for the checking bonus as of September 10th!
August 2025 opened Chase checking and saving. Created TreasuryDirect account and bought $50 of C of I with non-chase account. Added chase account to TreasuryDirect and waited 5 days until I could redeem. Redeemed into chase account. 1 day after funds settled into chase account, chase checking bonus marked as completed.
Does ebay work or not? Fidelity work or not? So many contradictory data points.
Ebay works, if you cash out via ACH. Needs to be at least $1.
1
Fidelity works, only of you link Chase as the account is owned by “someone else”.
Where would the additional $400 be deposited into when completing requirements for both checking and savings accounts?
Into your Chase account… ha…
Checking Bonus goes to Checking.
Savings Bonus goes to Savings.
The extra bonus goes to your… Checking, as “$400 Extra Bonus”.
There were some DPs of it going to the Savings.
The banker asked me which one in-branch.
Well, mine was opened online, and there was no option to pick. The $400 went to checking.
Regardless, it will be in one of the two accounts, and if you closed the “wrong” account prior to posting, you may not get the kicker.
morgan22
first time opening a chase account
5/22 opened both accounts
6/10 $300 checking bonus credited. i tried several ach pushes and am not sure which one triggered it. my fidelity push was on 6/2 for reference 🙂
6/20 savings totaled $15k and was funded in increments
8/22 pulled $15k
8/26 $200 savings and $400 extra bonus credited
keeping both accounts until 11/22 to keep my ews happy
My timeline:
I expected I will need to hold for 90 days from fully funding the savings, but it looks like they counted from the account opening date?
I think it’s safe to pull the funds in a day-or-two once the bonus fully posts, right?
If you had a tracker, email, etc. or read the comments, you would’ve known that you only had to hold through 8/29.