Posted by William Charles on April 24, 2018
Bank Account Bonuses

Published on April 24th, 2018 | by William Charles


Chase Savings $300 Bonus – Requires $25,000 Deposit For 90 Days [Bonus Returns]

Keep in mind this now contains the new two year language.

Update 04/24/18: Bonus is back and valid until June 14th, 2018. I wonder if this will work in states with no branches as the last Chase checking bonus did. Hat tip to nruhc

Orignally posted on November 13th, 2017. Reposting on November 22nd, 2017 due to the fact there is now a public link. Thanks to reader Ender L for the information.

Offer at a glance

  • Maximum bonus amount: $300
  • Availability: Nationwide
  • Deposit required: $25,000
  • Deposit length: 90 days
  • APY: 0.01%
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: Not available when opening in branch
  • Monthly fees: $5, avoidable
  • Early account termination fee: Six months, bonus forfeit
  • Household limit: None
  • Expiration date: January 16th, 2018 March 3rd, 2018 March 10th, 2018 June 14th, 2018 August 6, 2018 September 27th, 2018 November 20th, 2018 January 17th, 2018

The Offer

Direct link to offer

  • Chase is offering a bonus of $300 when you open a new Chase Savings account and deposit $25,000 or more in new money within 10 business days of account opening and maintain that balance for 90 days.


The Fine Print

  • Savings offer is not available to existing Chase savings customers, those with fiduciary accounts, or those whose accounts have been closed within 90 days or closed with a negative balance.
  • To receive the bonus: 1) Open a new Chase SavingsSM account, which is subject to approval; 2) Deposit a total of $25,000 or more in new money within 10 business days of account opening; AND 3) Maintain at least a $25,000 balance for 90 days from the date of deposit.
  • The new money cannot be funds held by Chase or its affiliates.
  • After you have completed all the above requirements, we’ll deposit the bonus in your new account within 10 business days. F
  •  You can only receive one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account
  • The bonus is considered interest and will be reported on IRS Form 1099-INT(or Form 1042-S, if applicable).

Avoiding Fees

This account has a $5 monthly fee that isw aived if you do any of the following:

  • Maintain a daily balance of at least $300 or more
  • Have at least one repeating automatic transfer of $25 or more from your Chase personal checking account
  • Are under 18 years of age
  • Have a linked Chase Premier Plus, Chase Premier Platinum Checking or Chase Private Client checking account.

Our Verdict

Chase typically offers two savings bonuses:

Your return actually decreases as the bonus increases. This deal works out to be over 4.8% APY, not outrageous for a savings bonus but still pretty good. Keep in mind some savings accounts offer 5% long term so those might be better options for some people. If you’re considering this offer make sure you do the $300 checking bonus at the same time as well. I’d also recommend checking for in branch pre-approvals as these by pass the dreaded 5/24 rule. I won’t be adding this to the best savings bonuses because it’s targeted.

Big thanks to reader, Stephen E & Gary M who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

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does chase still have the savings bonus referral for $200 where you could open it online and not go in branch? or did that one expire

The simplest way to avoid fees is to open this account as Premier Savings which requires a $15K/month minimum balance which you are exceeding anyway. Premier status adds a few other perks and may help with CHASE credit card offers (it certainly can’t hurt). Downgrade after the 3 months, then keep the account open for another 3 months with $300 before closing.

My email offer today was $200 for $15K to open a savings account with the same terms as in this post.

I got the 25K/ 300 offer which I thought was very weird.

Found it under my offers after signing in. Just signed up a week prior for the $200 offer . . asking to be matched, will report back.

And . . . told to visit a branch, never mind.

I got the 300 offer on the chase app my offers

I’ve also seen this in the mail with statements.

Good reason to avoid paperless statements.

Interestingly got a separate mailer with the $200 for 15k, as well as a banner when I login. Not the $300 for 25k though. If I accumulate that much in funds by June I may do it.

Not targeted on this one. I got one saving bonus for account opening in Oct, 2016, closed after 6 months. Opened a new saving account in branch with code in August 2017, $200 bonus posted 2 weeks ago. I’ll close my current saving account in March/April 2018. It’s just too bad that the requirement to keep the bonus live is 6 months, wish it could reduce to 3-4 months for churners like me. lol

Newb question: Can I ask a branch rep. to match this offer? I don’t have a savings acct. with Chase – Can’t I just show them the screenshot of sample email above?

I actually got this offer showing in my selected for you section and appearantly I can do this online. Any idea about credit card funding?

Open an account and tell us please.

You can fund the account with a DEBIT card but not a CREDIT card as long as you open the account online. However, while the option to open the account online appears in conjunction with the offer, this option only works if there is a Chase branch in your State of residence.

Any decent /recommend accounts that pay bonuses on debit cards worth getting to fund the 25k?

Paypal Business debit card? 1% on “eligible transactions”. Wonder if this is worth the trouble or even possible. Haven’t seen too many data points of people getting debit card rewards

You will only get 1% if the transaction is coded as credit not debit. So probably won’t work.

“You can only receive one new savings account related bonus each calendar year” enforced? I had combo $500 bonus in February.
“those whose accounts have been closed within 90 days” how enforced this one too? If account closed within 60 days, zero chances to get the bonus?

Everything is enforced. Don’t fuck around with Chase.


I have a related question: I opened chase checking and savings accounts earlier this year, got the 500 bonus (thanks doc) and then closed them around mid-year(ABC). So now past the 90 days as well. I am wondering if I will be able to get this bonus if I apply now since the 90 day requirement to hold the funds on this will end only in 2018 and the bonus expected date is only in 2018.
Anyone straddled consecutive years in this manner and got Chase Bonus? Or would it be safer to wait to Jan 1st to apply for this. I have funds lying around after the Discover bonuses and would have preferred to move them in here ASAP though would play it safe if there are any DPs that suggest otherwise.

Same question, my last Chase Savings bonus posted in Jan 2017. Wondering if I can apply now and when the bonus posts in 2018 it will get credited. Not sure it’s even worth the risk, might as well wait till 2018 to do everything.

I have the same question with WF bonuses, but I actually am the DP I want to see on that one. (Opened a checking acct w/in 12 months of receiving last WF bonus, but won’t meet bonus requirements until after 12 months. I’ll find out in Feb/Mar and will report back.)

I’m not getting the option to open it online. Not worth it for me personally to have to go to branch. I’ve never understood the requirement to open in branch…

Yeah really dumb imo, only waste both the person opening and the bankers time.

Only thing i can see is maybe them wanting a limited number of apps

“only waste both the person opening and the bankers time”

why? if one will get a $300 bonus?

I think you missed the point. Were comparing opening an account online vs in branch. You get the bonus either way

Not exactly nationwide. Still not available in my zip code.

Opening account at the brunch went pretty smooth. However, when I tried to transfer $$$ from bank X, the transaction didn’t go thought. Chase generated message “$10K max at the time”. Then Chase representative called me and explained that they can’t have my money until a 3 way call between me, the bank I’m transferring money from and Chase representative… And I should be the one initiating that call. After I said ” Doesn’t worth my time. No. Thank you. Feel free to close the Account”, representative offered to take care of the call. He called me back but apparently he reached a credit department of the bank X instead of a savings department. Then I had to stay on the line and wait until the appropriate division is reached. Once it happened, I was asked to verify all the personal info (including security questions) by bank X so they can pull my account info and it all happened while Chase representative was on the phone. It looks like verifying my account wasn’t enough, because after that Chase representative start asking Bank X representative unrelated questions: “when the account was open”, ” how long did she reported that address on the account”, and etc. It made me uncomfortable to release all that but I didn’t know if that’s how the process goes so I kept saying Bank X representative “Yes, it’s Ok to release that”. At some point I noticed that the bank X representative got uncomfortable as well. That’s when I had enough and said it totally doesn’t worth the time put and amount of the info I had to release, so I asked to close Chase Saving account.
Note: I’ve never been involved in any suspicious activities so I don’t understand why transferring $10K from one back to another can be such a pain.
It possible some of you will have much smother process. I’m still not sure why I had such an extensive interrogation from Chase to perform a $10K transfer (it’s not like I’m transferring hundred thoughts of dollars) TO Chase. Bank X didn’t give me any hard time and technically they are the one who were about to lose the customer.
I thought I’ll share my story so you’ll take that into consideration when deciding whether it worth your time. Sorry for the lengthy comment.

You should have done a push from a hub bank like Ally, not pull from Chase.

Thanks for the info. Good to know for the future reference. I wish I knew it from the beginning. When I asked Chase, they said they do not care which way the money get into the account so I went with the pull as I was able to verify Bank X as external bank faster than Bank X verified Chase as external bank to transfer. It’s too late for me know since I closed the account but will know going forward. Is that true to all banks: push is faster and easier than pull, or it’s only for Chase?

Yes, a push should have gone way easier here. Another very important point is to avoid doing inter-bank ACHs (push/pull) of >=10K. Always keep it less than the full 10K, like 9.5K, especially amongst accs open 1 such transaction (i.e. multiple similar transactions) the same day; login back subsequent days for each.

Yeah, use push from hub to new bank, or use paper check.

Same occurred with me. The FRAUD division will nab any outsized deposits to the new bank account. They will ask you to call them and re-ask verification questions.

Just answer the questions and then they will allow you to transfer large amounts of money. Chase is very vigilant with money laundering and illegal transfers, i suppose.

Once the verification went thru – it was clear sailing. And if you have a problem, you can always ask the bank representatives, that you signed up with, to intercede or give you assistance. Hope this helps.

I once came in with 18K in cash. They said transferring through the internet would be easier, and I replied yes, but much much slower. I will say that it does get weird whenever I take cash to the bank. It’s as if nobody does that anymore. Maybe I’m too old skool, maybe lived in a society where cash was king for too long.

Exactly. I also wanted to withdraw ~5K of my own cash at a BoA branch and the cashier sent me to a lady Mgr desk, who kinda delayed around for 45min-1hr, asked me for my DL, kept looking at it, weirdly asking 1 identity ques every 10-15mins. Then, all that delaying, was for nothing – she just asked me to go back to the cashier. Even while there, she kept hovering as though I’m some crook, and had the balls to ask the cashier if everything was OK?!?! Bloody, sh*tty, shady ladies, act as though they are giving me my hard earned money from their own pockets – sh*t?! I felt humiliated for asking for my own money. I will NEVER again go back to a BoA branch. Later on, I closed my account after withdrawing the last 1500 via ACH pull and then calling them to close my ac.

Since then, I learned that the banking industry is not making enough profit margins in dealing with cash and wants to seriously and desperately nudge ppl into all-digital transactions – shady banking industry, the biggest crooks on this planet.

chase will accept a check in branch for funding someone’s else acct, correct? my dad’s appl was approved online earlier today, i could come in a branch to hand a check in my dad’s name for $25k, correct?

meant that a check in my name from another bank pay to my dad’s name

Shoudn’t be an issue, as long as he sighs it.

meant this, thx

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