Update 4/3/25: Extended through 7/16/25
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.
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 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.
I have a question with regard to the term : You can receive only one new checking and one new savings account opening related bonus every two years from the last coupon enrollment date
My timeline for last chase checking is the following:
4/22/2023 — enrolled coupon and opened the checking account
5/15/2023 — received the last checking bonus
Am I eligible for the new checking bonus if I enroll the checking bonus coupon now and open the Chase checking account today ?
thanks.
Yes. You were eligible on 4/23/2025.
mdacguy
thank you Gadget. I am opening the accounts now.
01/20 – opened checking and savings account
01/21 – deposited 15k to savings
01/24 – real work direct deposit to checking (I continued work direct deposit to this account to avoid monthly fees)
01/28 – $300 bonus paid to checking
04/18 or 04/21 – the bonus tracker in the savings account changed to say I didn’t meet the requirements. No worries about this thanks to other comments 🙂
04/24 – bonus tracker changed to “your $200 will be deposited into your account within 15 business days”
04/29 – $200 bonus posted to savings and $400 bonus in checking
I’ve now zeroed out both accounts and will close after I am sure my direct deposit has been moved back to Cap One. Moved the 15k in savings to Citi Bank for the $750 bonus 🙂
Openned a checking account by this link – https://account.chase.com/consumer/banking/checkingandsavingsoffer
In the bonus tracker I see “set up direct deposit(s) totaling $500”.
Any ideas why that happened?
does anyone know if, for the savings $15k deposit within 30 days, does it work if some of your deposits are pending on the last day? Or does the $15k have to be posted/available in order for the bonus to count? The 30 days went by too quickly and I didn’t realize I had monthly transfer limits on my accounts
Adding data points and a reminder to not stress when the bonus tracker is incorrect:
Checking:
1/19: Open Checking Account online
1/31: Employer DD to Checking
2/4: $300 bonus posted
4/29: $400 extra bonus posted
Savings:
1/19: Opened Savings Account online
1/22: transfer $15k to Savings
4/19: Offer Tracker: “Unfortunately, you did not maintain minimum balance…”
4/25: Offer Tracker: “Congratulations! Bonus will post…”
4/29: $200 bonus posted
Ally Bank push did not work to qualify for the dd bonus for Chase personal checking. The transfer displays as p2p and did not change the bonus tracker.
Sorry if this is answered somewhere but I couldn’t find it.
For the savings bonus it says:
“2) Deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment. The new money cannot be funds held by you at Chase or its affiliates; AND 3) Maintain at least a $15,000 balance in the new savings account for 90 days from the coupon enrollment.”
The wording is very confusing.
So if you deposit the $15,000 on day 30 after enrollment, for example, do you then have to hold it until day 90 from when you enrolled, which would basically mean the $15,000 is held for 60 days (Day 30 through Day 90)? Or do you have to leave the $15,000 in the account for 90 days from when you deposit it (Day 30 through Day 120)?
It is through Day 90. I would recommend moving $15K into the Savings account a couple of days before Day 30 and keeping it in a couple of days past Day 90 to be safe. So the funds will be in there 62 or 63 days.
I answered it in my reply to you just last night. Day 30-90 is the holding period. If you don’t trust Chase, keep the money in place until the bonus pays out. The bonus will arrive about a week or so after day 90 from opening.
Gadget, you’ve given some great advice on this thread that’s really helped me. I decided I want to do the US Bank $900 Platinum account bonus offer first and if I do it in the next few days I can finish it and still do this Chase one before it expires. However, I have some questions about the US Bank one in the other thread.
Would you mind seeing if you can answer any of them? I’m looking for some quick advice so I can move forward hopefully in the next couple days. I’d really appreciate any answers you (or anyone else) have.
My post is at https://www.doctorofcredit.com/u-s-bank-400-900-business-checking-bonus/#comment-2050282
Didn’t see any restriction applying online… so I did. I got a pending review for a couple days. I now wonder if applying in branch would have resulted with the same response or they have a way to override that.
If I get this offer, can I get the chase private client offer in the same year?
So for this offer, we have to do a direct deposit to the checking account. I am self-employed so have no employer to do that through. Looking at the page on this site about what counts as direct deposit for Chase, it’s filled with “Didn’t work” next to most things, even things where something worked in the past. Also a lot of things listed there are from years and years ago.
Is there just no reliable way for someone like me to do direct deposit to take advantage of a bonus offer like this one anymore? And is it basically just a roulette spin for anyone who doesn’t have a really solid employer direct deposit to use to try to get this offer and possibly just get nothing in the end?
See: https://www.doctorofcredit.com/targeted-chase-900-checking-savings-bonus/#comment-2044554
Marc
So you are saying you have to set up the Chase checking account, then link it to your eBay or GCX/Raise account. Then, when you sell something on those sites and transfer the money to the Chase checking account, it codes it as a direct deposit? It’s odd to me that those would be seen as direct deposit. Is that solidly confirmed? And for Treasury Direct too? if you move some money into Treasury Direct and then just move it out from there to Chase checking, it codes as direct deposit?
Honestly, given how completely erratic this issue seems of what codes or does not code as direct deposit, I’m wondering if I need to just stick only to bonuses that don’t require direct deposit. Moving tens of thousands of dollars into an account, leaving it there sometimes for months, and then finding out you get absolutely nothing instead of the 4% you could have easily gotten elsewhere would be costly and it would also be stressful waiting every time to see if the deposit counted or not.
Is this a reasonable viewpoint to have? Or are there still direct deposit methods that work consistently enough to count on them for those without a regular job? How are people dealing with this? Do you just roll the dice and hope things code as direct deposit and resign yourself you may lose a decent amount every time it doesn’t? Or are there others who also just refuse to do direct deposit-requiring bonuses?
Yes, they really do work. IMO, no, your stance is not reasonable. You are being too skeptical.
When you signup for the $900 Chase offer, in the app, you will typically see a bonus tracker.
Even if you don’t, the DD bonus pays out within days of the DD. Once that happens, your can be reasonably assured everything is good to go, then move your $15K into the savings for day 30-90.
If you call that rolling the dice, with no ramifications to your credit or wellbeing, you might not want to cross the street or eat a cheeseburger. You might trip or could choke.
But, nobody is going to twist your arm. In fact, being self employed, you have a plethora of offers that don’t require DD, so if that is what you want to do, go for it.
I guess it depends on the offer and how it works. If you are able to test making a deposit using some method and see very quickly if it works as direct deposit (and maybe even have time to try another method if the first doesn’t work), then yes this may be acceptable. I didn’t realize that was how this Chase offer worked so thank you for clarifying that.
For other offers where you might need to make a direct deposit but you don’t find out for much longer whether it was coded correctly and if it worked, that would seem a lot more risky. Are most direct deposit-requiring offers more like this one where you’re saying you know if it worked very quickly or more like the second example where you could have to wait and only find out much later that it failed to work?
BTW can you see the bonus tracker for the Chase offer when you log in on a computer or only on the app?
Ok, sure, some offers you have to wait 90-120 days to see the end result. Wells Fargo is that way. But how much “risk” was there? You don’t have to maintain the balance & it has tons of DP’s on what works.
But once again, nobody is going to twist your arm. If it’s just too much of a burden for you to assume it will or won’t work, so be it.
The Chase bonus tracker is normally app only. However, someone uncovered a secret link that may work. Haven’t tried it myself. See #2004916
OK so I clarify again to say that if you don’t have to maintain the balance that also lowers the risk. So basically I’m just afraid of offers where you would have to guess whether the direct deposit worked and also maintain a high balance for a good amount of time. I’ll have to really look carefully at the terms. Thanks for helping me understand these factors that I wasn’t realizing that mitigate the risk.
The point is there is no risk. What do you have to lose by trying? Trust the data points you see here. 90% of the time they work. If you’re that concerned, start a payroll service subscription and pay yourself. But continously questioning every step here is only going to stress yourself out, and annoy everyone else lol I’ll repeat. Trust the data points here. They are reliable.
Like I said, if an offer requires you to maintain the money in the account a long time, then there definitely is a risk. You could make 4% on that money for months in a regular HYSA. But instead you put it in one of these accounts and then your direct deposit doesn’t count and you get 0. That’s a very real risk. Luckily, not all of them require locking up the money for a long period. So I think I’ll focus on those.
I’m also not sure what you mean that it’s so reliable what triggers the direct deposit. The whole reason I got concerned was I looked at the page listing what works for direct deposit for different banks and for many of them it says “Didn’t work” all over the place, including for things that apparently did work previously. Also for some of them the last DP is years ago. So from looking at that page it doesn’t look so reliable at all. I even see reports where the same thing triggered the direct deposit for one person but didn’t for another.
So I think these are reasonable concerns that a lot of people probably have and are very legitimate to ask about.
These are your 3 best/easiest options for using a “fake” DD currently to trigger the Chase Checking bonus.
#1. Sell a GC on Raise/GCX and then transfer the proceeds to your Chase Checking account.
#2. Buy a 4 week T-Bill from TrD and use your Chase Checking account as the “Destination Account”.
#3. Use Orion for a transfer to your Chase Checking account. This one is only easy if you already have an account with Orion. I put this at #3 as you probably don’t. 😉
Thanks very much for this! I’ll most likely try #1. #2 would be good but I’ve heard Treasury Direct sometimes hassles you when adding a new bank account, though not sure if that’s true. eBay also was suggested. Any reason you didn’t list eBay? I think #1 sounds like the easiest most reliable method. Really appreciate the help people on this site offer!
After seeing your reply #2050996 , I scrolled down and was surprised to see that you replied to me here. I checked my email and confirmed that I never received an email regarding your reply, which is very odd.
Anyway, to answer your question, I didn’t mention Ebay for 2 reasons.
#1. I wasn’t aware that an Ebay sale counts as a QDD but it’s very possible that it does.
#2. I haven’t sold on Ebay in many years but when I did, I was required to mail out the item even if it was an eGC. That is a real hassle and it’s always possible that some issue will happen with that. It’s possible that Ebay no longer requires that but I think it’s much easier and safer to sell on Raise/GCX.
BTW, I’ve added over 50 FI accounts to my TrD account over time and the only issue that I have run into is running into a limit of 30 accounts linked at 1 time. Now others have had issues but I think as long as use your TrD in good faith, you won’t have any issues.
Do either of you have any idea how/why I didn’t receive an email notification for comment #2049935 from
Marc? The reason I ask is because I’m concerned that others have replied to my comments in this post and/or other posts that I’m subscribed to and I ended up ignoring the replies because I didn’t know that the comment(s) existed!
No idea sorry, the e-mail system is automated
Dude, in the amount of time it took to type all this out you could have opened like 6 accounts
My eBay is coding as:
REAL TIME TRANSFER RECD FROM ABA/CONTR
Type: ACH Credit
Anyone know if this will work?