Now open a Chase checking account and get a $400 opening bonus. You only need to set up a direct deposit of $1,000 within 90 days. Fill in your email through the link below to get the promo code. Offer ends on October 14, 2026.

Use LemFi with the memo payroll to complete DD directly; it's more convenient and more stable than bank ACH. There are also recent DPs showing Robinhood, Discover, SoFi, Chime, and others can be disguised as DD. See below for details:

This is a very solid opening bonus and has already been added to the bank account bonus ranking. If you're interested in other bank opening bonuses, check it out.

If you plan to open a savings account at the same time and can meet the $15,000 deposit requirement, you can choose the combo offer below. Opening the savings account gets a $200 bonus, and if you open the checking and savings accounts together, you can get an additional $400. Fill in your email through the link below to get the promo code. Offer ends on July 15, 2026. This savings account has an ordinary interest rate, so it's only worth it for the opening bonus.

The bonus requirements are as follows:

  • Checking account $300: complete one direct deposit within 90 days
  • Savings account $200: deposit $15,000 within 30 days (must be transferred from another bank; avoid depositing cash directly), and keep it there for 90 days
  • Open both for $400: must open both accounts at the same time and complete the two tasks above

In addition, if you have closed an account within the last 90 days or had a negative balance within the last 3 years (meaning you owed money), you won't be eligible for the opening bonus.

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

Now open Chase Private Client and get up to a $3,000 bonus. You need to get the promo code through the link below.

Requirements are as follows:

  • Deposit $150,000-$250,000 within 45 days after opening and keep it there for 90 days to get a $1,000 bonus
  • Deposit $250,000-$500,000 within 45 days after opening and keep it there for 90 days to get a $2,000 bonus
  • Deposit more than $500,000 within 45 days after opening and keep it there for 90 days to get a $3,000 bonus

If you opened this type of account within the past 12 months or closed this type of account within the past 90 days, you are not eligible for the opening bonus.

About Chase Bank Accounts

Chase offers a variety of checking and savings accounts. In addition to solid service, each account also comes with a decent opening bonus. Having a Chase checking or savings account also helps when applying for Chase credit cards. Checking accounts let you deposit and withdraw cash, write checks, deposit checks, pay credit card or utility bills, transfer money, and more. Savings accounts are limited to 6 withdrawals or payments per month and earn a small amount of interest, but Chase's interest rates are so low that they can basically be ignored.

Chase offers multiple products for different users. The opening requirements and bonus terms vary by account, and the benefits differ as well. Below we introduce them one by one. The comparison on the official site is below

For most people, any checking account can meet everyday needs. So prioritize the one with the highest opening bonus, while also confirming whether the monthly fee can be waived.

Chase Total Checking

Total Checking is Chase's flagship product and most people can open it. It's a mainstream option with an easy-to-earn bonus.

Opening bonus

See the beginning of the article

How to get the checking account bonus

Bonus eligibility: you currently do not have a Chase checking account; you have not closed a Chase checking account within the last 90 days, and the last account was not closed with a negative balance. Other requirements:

  • Open the account successfully with valid ID
  • Deposit at least $25 on the spot, in cash or by check
  • Set up one direct deposit to the new account within 60 days, any amount

In practice, the bonus usually posts automatically a few days after the funds arrive. If it doesn't, you can send a secure message to ask. Example of Chase direct deposit:

  • an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government

Generally, salary and TARA income count as direct deposit. In practice, the following may also count (based on DOC data):

If you have a TopCashback cashback site (signup link, detailed introduction), the fastest way is to withdraw any amount from it to a Chase checking account. If you have a brokerage account, you can try the transfer methods listed above. You can also open a free Robinhood brokerage account, receive one free stock, sell it, and then transfer the proceeds to Chase.

Note that the direct deposit must be completed within 60 days of opening the account, so try early.

How to avoid the monthly fee

Chase Total Checking monthly fee waiver methods; complete one of the following, otherwise $12 per month:

  • Monthly direct deposits totaling $500 or more; you can use the methods above
  • Maintain a minimum daily balance of $1,500 or more
  • Maintain a combined average monthly balance of $5,000 or more across your checking and savings accounts

Chase Savings Account

Bonus qualification requirements: No current Chase savings account; no Chase savings account closed within the past 90 days, and the previous account was closed with a non-negative balance. Other requirements:

  • Successfully open the account with valid ID
  • Deposit at least $10,000/$15,000 within 10 days. Cash, checks from other banks, or transfers are allowed, and multiple deposits can be combined
  • Maintain a balance of at least $10,000/$15,000 for 90 days

You can deposit by writing a check from another bank. It's best not to deposit large amounts of cash, since Chase is sensitive to cash deposits. In our experience, the bonus posts a few days after you meet the requirements.

Important note: Deposits cannot come from a Chase checking account or a Chase-related investment account. The bonus amount depends on the offer; the $200 bonus requires $15,000, and the $150 bonus requires $10,000.

How to waive the monthly fee

Ways to waive the Chase savings account monthly fee; complete any one of the following, otherwise it's $5 per month:

  • Maintain a daily balance of at least $300
  • Transfer at least $25 from a checking account to the savings account at least once per month
  • Hold a Chase Premier Plus CheckingSM, Chase Premier Platinum CheckingSM, or Chase Private Client CheckingSM account

Overall, it's pretty easy to waive~

Chase Private Client (CPC)

Open Chase Private Client now and you can get up to a $3,000 bonus. You must use the offer code from the link below.

Requirements:

  • Deposit $150,000-$250,000 within 45 days of account opening and keep it there for 90 days to receive a $1,000 bonus
  • Deposit $250,000-$500,000 within 45 days of account opening and keep it there for 90 days to receive a $2,000 bonus
  • Deposit $500,000 or more within 45 days of account opening and keep it there for 90 days to receive a $3,000 bonus

If you opened this type of account within the past 12 months, or closed one within the past 90 days, you are not eligible for the new-account bonus.

This account has a $35 monthly fee, which can be waived by keeping $150,000 in Chase-related accounts or by linking a Platinum Business account.

Service Fee: Chase Private Client CheckingSM has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Keep an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances OR, Option #2: Have a linked Chase Platinum Business CheckingSM account. Otherwise a $35 Monthly Service Fee will apply.

CPC is Chase's special client status. Besides the Sapphire Banking fee waiver, you can also access wealth-management features, with investments handled by professionals.

Other checking accounts

Chase Secure Banking

This account has a monthly fee of just $4.95, and it's easy to waive: just make a $250 direct deposit each month.

The $125 bonus only requires 10 account activities within 60 days: debit card purchases, online bill payments, Chase QuickDeposit, Zelle, or ACH credits.

To receive the bonus: 1) Open a new Chase Secure BankingSM account, which is subject to approval; AND 2) Complete at least 10 qualifying transactions within 60 days of coupon enrollment. Qualifying transactions include debit card purchases, online bill payments, Chase QuickDepositSM, Zelle®, or ACH credits.

Chase College Checking

College Checking is for college students. The monthly fee is waived while you're a student, and after graduation it is $6 per month, which can be waived if you meet the requirements. Account-opening requirements:

You’ll need ID, a passport, F-1, I-20, etc. After graduation, a monthly direct deposit or an average daily balance of $5,000 or more waives the fee. Students can open it too.

To get the $125 bonus: no current Chase checking account, and no account closed within the past 90 days or previous account closed with a non-negative balance; set up paperless statements within 60 days of account opening; and complete 10 activities within 60 days (debit card purchases, online bill payments, cashing a check for someone else, depositing checks, QuickPay, direct deposit).

Chase High School Checking

You can open Chase High School Checking for children ages 13-17, with a bonus of up to $125 and 5 activities within 60 days: debit card purchases, Bill Pay, Zelle, or ACH credits.

Link it to an adult Chase checking account to waive the monthly fee. It automatically converts to Chase Total Checking at age 19.

Chase First Banking

Chase checking account holders can get a Chase First Banking debit card for children ages 6-17. User DPs show that no SSN is required and there is no hard pull, but NRA accounts may not be able to open online.

Checking bonus matching

"Updated 11/2019" Based on DOC, Chase now allows matching personal and business checking account signup bonuses. You can do it through secure message or at a local branch. Requirements:

  • Match within 21 days of account opening
  • You haven't received this bonus
  • You have the new offer code (a screenshot plus the code is best)
  • Send a secure message (choose the checking account category) or visit a branch. Phone reps usually aren't helpful.

Feel free to share matching DPs. We'll update good offers as soon as possible.

If you apply for a checking account + savings account within 21 days, it may be matched. Just contact Chase through secure message (choose checking accounts), and the rep can replace the offer code. It's recommended to generate an offer code from the link and attach it to the secure message (or a screenshot), saying you received a new offer, which makes matching easier. (The example below is for matching a $900 bonus; others are similar)

After more than 21 days, it can't be matched, and the rep will explain why

Important notes

  • If there isn't a Chase branch in your area, don't open the account across state lines, or it may be closed later
  • Chase is sensitive to cash deposits, so don't deposit large amounts of cash. You can deposit it at another bank first, then finish with a check or transfer
  • All bank signup bonuses are taxable. Chase issues a 1099-INT in January; report it as appropriate

Application links