If you're looking for a bank bonus, Chase has some big, big promotions to get excited about. With that in mind, let's take a look at its current offers.
Chase Total Checking® Bonus: Earn $300 with $500 or more direct deposit
Open Account for Chase Total Checking®
Member FDIC.
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Ratings Methodology
Rates asof Mar 11, 2024
Chase Total Checking®
Open Account for Chase Total Checking®
Member FDIC.
Rating image, 3.50 out of 5 stars.
3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 3.50 out of 5 stars.
3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Open Account for Chase Total Checking®
APY
0%
Min. To Earn APY
N/A
- Largest bank in the U.S. in terms of assets
- More than 15,000 ATMs and 4,700 physical locations
- Wide range of financial products
- User-friendly online and mobile banking tools
- No minimum deposit to open
- Chase Overdraft Assist
- Low APYs on savings accounts and CDs
- $12 monthly maintenance fee waived only with qualifying activity
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
*With Chase Overdraft Assist℠, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
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How you earn it:
- Open a Chase Total Checking® account.
- Receive at least $500 in direct deposit within 90 days. Direct deposits include electronic transfers of your paycheck, government benefits (like Social Security)
- Get your bonus. Chase will deposit your bonus within 15 days.
How you qualify: Only new Chase checking account customers. These are clients who (1) don't currently have a Chase checking account (2) have closed a Chase checking account in the last 90 days or (3) have had a Chase checking account closed with a negative balance in the last three years.
Where to open an account: Open a Chase Total Checking® account by requesting a coupon code to be sent to your email so you can open it in person. Or you can open it through the offer page.
Monthly fees: $12, which can be waived through one of the following:
- Have direct deposit totaling $500 or more
- Maintain a balance $1,500 at the beginning of each day
- Maintain an average beginning day balance of $5,000 in combined Chase accounts, like checking and savings.
Offer expires: April 17, 2024
Chase Savings℠ Bonus: Earn $200 with $15,000 deposit
Open Account for Chase Total Checking®
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Rates asof Mar 11, 2024
Chase Savings℠
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Member FDIC.
Rating image, 2.50 out of 5 stars.
2.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 2.50 out of 5 stars.
2.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
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APY
0.01%
Min. To Earn APY
N/A
- Large, nationwide branch network
- Highly rated customer service
- Automated savings tools for those with linked Chase checking accounts
- Unimpressive APY
- Monthly maintenance fee
- Fees for making more than six monthly withdrawals
The Chase Savings account doesn't offer a high APY, but it remains a popular pick because of the bank's impressive customer service and huge branch network. Those who prefer personalized, in-person support will find Chase difficult to beat.
How you earn it:
- Open a Chase Savings℠ account.
- Deposit $15,000 within 30 days. You have to maintain at least a $15,000 balance for 90 days.
- Receive your bonus. Bonus will be deposited within 15 days of completing the qualifying activities.
How you qualify: New Chase customers only. If you closed a Chase Savings℠ account within the last 90 days, or had a Chase account closed with a negative balance in the last three years, you are not eligible.
Where to open an account: Online through the offer page or in person with a coupon code sent to your inbox.
Monthly fees: $5, which is waivable through the following ways:
- Maintaining a beginning balance of $300 or more each day.
- Setting up automatic transfers of $25 or more from a Chase personal checking account or in total Autosave.
- Linking a Chase College Checking account to this account for overdraft protection.
- Being younger than 18.
- Owning a Chase Premier Plus Checking℠, Chase Sapphire℠ Checking, or Chase Private Client Checking℠ Account.
Offer expires: April 17, 2024
Chase Total Checking® + Chase Savings℠ Bonus: Earn $900
Open Account for Chase Total Checking®
Member FDIC.
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Rates asof Mar 11, 2024
Chase Total Checking®
Open Account for Chase Total Checking®
Member FDIC.
Rating image, 3.50 out of 5 stars.
3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 3.50 out of 5 stars.
3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Open Account for Chase Total Checking®
APY
0%
Min. To Earn APY
N/A
- Largest bank in the U.S. in terms of assets
- More than 15,000 ATMs and 4,700 physical locations
- Wide range of financial products
- User-friendly online and mobile banking tools
- No minimum deposit to open
- Chase Overdraft Assist
- Low APYs on savings accounts and CDs
- $12 monthly maintenance fee waived only with qualifying activity
- New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
- Access to more than 15,000 Chase ATMs and more than 4,700 branches
- Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
- JPMorgan Chase Bank, N.A. Member FDIC
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
*With Chase Overdraft Assist℠, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
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Chase Savings℠
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Member FDIC.
Rating image, 2.50 out of 5 stars.
2.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 2.50 out of 5 stars.
2.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Read Review
APY
0.01%
Min. To Earn APY
N/A
- Large, nationwide branch network
- Highly rated customer service
- Automated savings tools for those with linked Chase checking accounts
- Unimpressive APY
- Monthly maintenance fee
- Fees for making more than six monthly withdrawals
The Chase Savings account doesn't offer a high APY, but it remains a popular pick because of the bank's impressive customer service and huge branch network. Those who prefer personalized, in-person support will find Chase difficult to beat.
How you earn it:
- Open both a Chase Total Checking® and Chase Savings℠ account.
- Complete the qualifying activities above on both accounts. That is, receive at least $500 in direct deposits within 90 days (Chase Total Checking®) and maintain a $15,000 balance for 90 days (Chase Savings℠).
- Receive your bonuses. Bank bonuses will be deposited within 15 days of completing activities.
How you qualify: New Chase customers are eligible, that is, those who haven't had a Chase account within 90 days or whose account was closed with a negative balance within the last three years.
Where to open an account: Online through the offer page, or in person with a coupon code sent to your inbox.
Monthly fees: $12 for Chase Total Checking® and $5 for Chase Savings℠, though both accounts offer multiple ways to waive those (see above).
Offer expires: April 17, 2024
Chase Secure Banking℠ Bonus: Earn $100 with qualifying transactions
Open Account for Chase Total Checking®
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Rates asof Mar 11, 2024
Chase Secure Banking℠
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Member FDIC.
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APY
0%
Min. To Earn APY
N/A
- Early direct deposit
- Free money orders and cashier's checks
- Potential new account bonus
- Not interest bearing
- Monthly service fee of $4.95 applies
- No overdraft services
- No check writing privileges
- No wire transfers
Chase Secure Banking℠ is a checking account offered by Chase that advertises no minimum deposit and the ability to get your money up to two business days early with early direct deposit, all for a $4.95 monthly account fee. This account falls short on other features, however, so you may be better off looking elsewhere for a checking account you plan to use often.
How you earn it:
- Open a Chase Secure Banking℠ account.
- Complete 10 qualifying transactions. These include debit card purchases, ACH transfers, Zelle® transactions, online bill payments, and Chase QuickDeposits℠.
- Get your bonus. After you complete the qualifying transactions, the bonus will be available in your account within 15 days.
How you qualify: You need to be a new Chase checking account customer to qualify. Chase defines a new customer as someone who (1) doesn't currently have a Chase checking account (2) hasn't had a Chase checking account in the last 90 days or (3) hasn't had a Chase checking account closed with a negative balance within the last three years.
Where to open an account: You can open the account through the offer page, or request a coupon code be sent to your email to open it in person.
Monthly fees: $4.95
Offer expires: April 17, 2024
Chase Business Complete Checking Bonus: Earn up to $750 with qualifying transactions
Open Account for Chase Total Checking®
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Rates asof Mar 11, 2024
Chase Business Complete Checking
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Member FDIC.
Rating image, 4.00 out of 5 stars.
4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
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APY
0%
Min. To Earn APY
N/A
- Account fee can be waived
- New account bonus with qualifying activity
- Huge footprint of brick-and-mortar locations
- Great variety of accounts and services
- Account fee is high if not waived
- Monthly cash deposit limits
A solid option for business owners who can maintain the requirements for the fee waiver and who want easy access to in-person banking. While the Business Complete account isn't free by nature, meeting the minimum balance to waive the fee is likely doable for many small businesses.
How you earn it:
- Open a Chase Business Complete Checking account.
- Fund your account with new money within 30 days. The bonus amount you receive will depend on how much you deposit.
- Earn $400 with deposits totaling at least $2,000.
- Earn $750 with deposits totaling at least $30,000.
3. Maintain that balance for at least 60 days. For example, if you deposit $30,000, you will need to keep that amount for at least 60 days to remain eligible.
4. Complete five qualifying transactions within 90 days. These transactions can include debit card purchases, accepting credit and debit card payments with QuickAccept®, Chase QuickDeposit℠, ACH transfers (credits) wire transfers (credit and debits), and Chase Online℠ Bill Pay.
How you qualify: As with the personal checking accounts discussed above, you can't currently have a Chase Business Complete Checking account. If you've had a Chase business account in the past, you're ineligible if the account was closed within the last 90 days or closed with a negative balance within the last three years.
Where to open an account: You can open an account through the offer page (coupon code will be automatically applied), or by requesting an offer code be sent to your email to open the account at a Chase branch.
Monthly fees: $15, which you can waive in one of the following ways:
- Maintain a minimum daily balance of at least $2,000
- Receive at least $2,000 in deposits from QuickAccept or other eligible Chase Payment solutions products
- Spend at least $2,000 on a Chase Ink Business credit card
- Link an active Chase Private Client Checking, JPMorgan Classic Checking, or Private Client Checking Plus account.
- Meet Chase military requirements.
Offer expires: April 18, 2024
Chase Private Client Checking℠ Bonus: Earn up to $3,000 with qualifying transactions
How you earn it:
- Open a Chase Private Client Checking℠ account.
- Deposit new money in your account within 45 days. The amount of your bonus will depend on how much you deposit.
- Earn $1,000 with deposit totaling $150,000 to $249,999
- Earn $2,000 with deposit totaling $250,000 to $499,999
- Earn $3.000 with deposit totaling $500,000 or more
3. Maintain your new money deposit for 90 days. Then, your bonus will be deposited in your account within 40 days.
How you qualify: The offer is valid for new Chase Private Client Checking accounts. If you're upgrading a Chase account, the offer is valid on personal checking, personal savings, and qualifying J.P. Morgan Wealth Management non-retirement accounts.
Where to open an account: Visit a Chase branch and open the account in person with a private client banker.
Monthly fees: $35, which can be waived in the following ways:
- Maintaining a combined $150,000 in total deposits across all eligible Chase checking accounts.
- Linking a Chase Platinum Business Checking℠ account.
Offer expires: April 17, 2024
What else should you know about Chase bank bonuses?
The biggest thing to watch for is the account fees. While all the bank accounts discussed above offer multiple ways to waive fees, they can still be pesky if you don't meet requirements. If you'd rather avoid fees altogether, you might be better off opening a free savings account instead.
If you've already decided to bank with Chase, earning a bonus is just icing on the cake. That said, if you're not totally sold on Chase, be sure to check out other bank bonuses. While Chase offers some of the biggest bonuses out there, other banks, like U.S. Bank, have generous bonuses too.
High-yield savings account comparison
We recommend comparing high-yield savings account options to ensure the account you're selecting is the best fit for you. To make your search easier, here's a short list of standout accounts.
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| Account | APY | Promotion | Next Steps |
|---|---|---|---|
Open Account for SoFi Checking and Savings Member FDIC. Rating image, 4.75 out of 5 stars. 4.75/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | up to 4.60% Rate infoYou can earn the maximum APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet.Min. to earn: $0 | N/A | Open Account for SoFi Checking and Savings |
Open Account for American Express® High Yield Savings Member FDIC. Rating image, 4.00 out of 5 stars. 4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | 4.35% Rate info4.35% annual percentage yield as of March 11, 2024Min. to earn: $1 | N/A | Open Account for American Express® High Yield Savings |
Open Account for UFB Secure Savings Account Member FDIC. Rating image, 4.00 out of 5 stars. 4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | 5.25% Rate infoTo ensure you keep getting the highest rate at UFB, you'll need to keep an eye on their rates. Occasionally, the bank launches new accounts with higher rates. Existing accounts need to contact the bank to request being moved to one of these new accounts.Min. to earn: $0 | N/A | Open Account for UFB Secure Savings Account |
FAQs
Yes, bank bonuses are taxable as regular income. Typically, the bank will send you a 1099-INT or 1099-MISC. Even if you don't get one of those forms, you're still responsible for reporting it on your tax return.
Chase will deduct your bonus if you close your new checking account within six months of opening it.
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By:Steven Porrello
Writer
Steven is a personal finance writer covering topics from mortgages to credit cards to market news. He has written for The Motley Fool Canada, Ramsey Solutions, Nerdwallet, Clever Real Estate, and other major outlets. Steven launched his writing career at the age of four with his first book, "Revenge of the Bad Guys." He currently lives in Portland, Oregon.
Fact CheckedAshley Maready
Writer and Editor
Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.
