Update 7/15/26: Extends to Extension until 10/14
Added until 15.7.2026
Note: There is one $900 Check and Save Bonus as well. This $400 bonus is only worth considering if you are unable to complete the savings portion of that offer (it requires a $15,000 deposit over 90 days).
Offer at a glance
- Maximum bonus amount: 400 dollars
- Availability: Nationwide, online or in-branch
- Direct deposit required: Yes, $1,000+ within 90 days. Click here to see what triggers this bonus.
- Additional requirements: None for control; $15,000 balance in savings
- Hard/soft pull: Soft
- ChexSystems: It doesn’t attract
- Credit card financing: Can fund up to $50 with a debit card online (prepayments do not work). Cannot be funded by debit or credit at the branch.
- Monthly fees: $12, possible
- Early account closure fee: ANY
- Family boundary: None listed
- Expiration date: 15.04.2026
Offers
- Chase offers a $400 bonus when you open a new total checking account and meet the following requirements:
- Make $1,000 in direct deposits within 90 days of account opening
Fine Press
- You can only receive one new checking account bonus every two years from the last coupon registration date and only one bonus per account
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
The Chase Total Checking account comes with a $15 monthly service fee, which is waived if any of the following are met:
- Have monthly deposits totaling $500 or more
- Maintain a minimum daily checking account balance of $1,500 or more
- Maintain 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 is no more EATF.
REFERENCE
You can use a referral for this bonus. The person who signs up gets the standard bonus of $400, the person referred gets $50. You can find references in this related post. Please do not share referrals in the comments below and remember there is no advantage to using a referral link for the person signing up other than helping someone else get $50.
Our verdict
of $900 bonus it’s better if you don’t have the funds available as it works out to be over 13.3% APY for that 90 day holding period. Of course, not everyone has access to $15,000 and can hold it for 90 days, so this is an additional $100 on top of the standard $300 checking bonus. We will add this to our list best bank account bonuses.
Hat tip to the reader Montgomery
Useful posts about bank bonuses:
