Chase Checking Account Bonus Offers
Get cash bonuses with Chase's current bonus offers. Find the best limited-time checking account promotions today.
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Chase has some of the most generous bank bonuses. It frequently offers new customer bonuses worth up to hundreds of dollars.
If you're considering opening a new Chase checking account, make sure to check out their promotions first so you don't miss out on any extra cash.
Here are the best Chase checking account offers for April 2024:
- Chase Total Checking®:
$300 Bonus - Chase Secure Banking℠:
$100 Bonus - Chase Business Complete Banking®:
$300 Bonus - Chase College Checking℠:
$100 Bonus - Chase Private Client:
Up to $3,000 Bonus
Keep reading to learn more about these offers and how to qualify.
Chase Total Checking
Chase Total Checking® - $300 Bonus
- 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*
Chase Total Checking is Chase's most popular checking account. It's a no-frills basic checking account with some perks, like Overdraft AssistSM.
The monthly fee is also easy to waive. As long as you get $500 in electronic deposits each month, you can use the account for free.
Chase Business Complete Banking
Chase Business Complete Banking® - $300 Bonus
- Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
- Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card.
- Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions.
- Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments.
- Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account.
- Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Trusted and secure financial partner. We're committed to helping you grow and protect your business.
Chase Business Complete Banking is a unique business checking account that includes built-in payment processing. It lets you accept credit card payments from anywhere with Chase's mobile app. And plus - you'll get funds from sales deposited into your business checking account the same day.
The monthly service fee can be waived in a number of ways. The easiest is to maintain a $2,000 daily balance.
Chase Secure Banking
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early-exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com.
- JPMorgan Chase Bank, N.A. Member FDIC.
If you can't qualify for Chase Total Checking, the Chase Secure Banking account is a good, low-cost alternative. This account has no overdraft fees. You can only spend what you have available.
There are no fees for overdrafts, check deposits, online bill pay, Zelle®, money orders, and cashier's checks.
Chase College Checking
Chase College Checking℠ - $100 Bonus
- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number or who are 17-year-olds can only open an account at a branch.
- Keep track of your money in the Chase Mobile® app. The app helps you manage your money.
- Zelle® is available in more than 1,000 banking apps in the U.S. So you can send and receive money from almost anyone you know and trust who has a bank account in the U.S.
- Access to more than 15,000 Chase ATMs and more than 4,700 branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- Chase Overdraft Assist℠ - no 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 bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase College Checking Account has no monthly service fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
What to Know About Chase Checking Account Bonuses
To qualify for Chase's sign up bonus, here are some general rules you need to know:
Bonuses are for new customers only
This doesn't mean that you must be a first-time Chase customer. You could qualify even you've had Chase accounts before. The rules for Chase bonus offers are that you:
- Cannot be an existing Chase checking customer.
- Cannot have had an account closed in the past 90 days.
- Cannot have closed an account with a negative balance within the last 3 years.
You can get both a personal and business checking bonus
One big benefit is that personal and business checking are treated as separate products. So even if you already have a personal checking account with Chase, you can still apply and earn the Chase business checking welcome bonus.
Only one checking bonus every 2 years
You can only receive one checking-related bonus every 2 years (from date of your last enrollment), and only one bonus per account. This ensures that you don't just keep opening bank accounts for the offers.
Again, personal and business are separate. If you got a Chase personal checking account bonus, you can still get a Chase business checking bonus within 2 years.
You need a unique offer code
To apply for a Chase checking sign up bonus, you need to provide your email address to get your personalized offer code. You can get your coupon code through our offer link.
You can apply two ways:
- If you apply online, the coupon code will be automatically applied.
- Or you can bring your code to your local Chase bank to apply in person.
Chase Checking Bonus FAQs
How long does it take to get the Chase bonus?
Typically, Chase will deposit your checking bonus into your new account within 15 business days of completing all qualifying activities. So the sooner you complete the requirements, the sooner you'll get your cash bonus.
Do Chase checking bonuses expire?
Yes, Chase bank promotions have an expiration date. We list the expiration date, so be sure to pay attention and apply before the offer expires.
Are Chase bonuses taxed?
Welcome cash bonuses for opening a bank account are considered interest. You will get an IRS Form 1099-INT from Chase by January 31 each year if they paid you $10 or more in interest, and you'll be required to report it as interest income on your taxes.[1][2]
Can I close my Chase checking account after receiving the bonus?
You must keep your Chase account open for 6 months after enrollment. If you close your account before that time, Chase will deduct the bonus amount for that account at closing.
Can I use multiple Chase Bank promotions?
No, you can only get one Chase checking account bonus every 2 years. The exception is that you can earn bonuses for both a personal and business Chase account.
Chase Bank Pros & Cons
Besides generous bank account bonuses, Chase Bank is known for providing great full service banking with excellent customer service.
Here are some pros and cons of banking with Chase.
Pros:
- More than 4,700 physical branches and 15,000 ATMs nationwide
- No minimum deposit to open account
- Many checking options for all financial situations
- Free online bill pay, mobile deposits, and text banking
- 24/7 customer service with real reps
- Highly rated mobile app
- Full service bank with checking and savings, credit cards, loans, and investing
- FDIC insured up to $250,000[3][4]
Cons:
- Low interest rates on savings accounts
- Not located in all states
- Requirements to waive monthly fees
- High out-of-network ATM fees
- Many banking fees
BOTTOM LINE
Chase is a solid option if you're looking for a nationwide bank with lots of services. It frequently rolls out new checking account sign-up bonuses. Requirements to earn the bonus are relatively easy. So it's a nice way to get a little jumpstart if you're in the market for a new checking account.
Just note that many Chase accounts have monthly service fees. Make sure you can meet the requirements to waive that fee. Otherwise, it won't make sense to open a checking account for the bonus, but then be burdened with a monthly fee.
References
- ^ Chase. Tax Forms and Mailing Dates, Retrieved 11/18/2022
- ^ IRS. Instructions for Forms 1099-INT and 1099-OID (01/2022), Retrieved 11/18/2022
- ^ FDIC.BankFind: JPMorgan Chase Bank, National Association, Retrieved 11/18/2022
- ^ FDIC. Your Insured Deposits, Retrieved 11/18/2022
Chase Total Checking® - $300 Bonus
- 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*
Bank of America Advantage Banking - $200 Bonus Offer
- The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 5/31/2024.
- To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
- Bank of America will attempt to pay bonus within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- Bank of America, N.A. Member FDIC.
U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus
Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
Earn up to $200 with a new Standard Savings account.
- Make new money deposit(s) totaling $15,000 or more by July 17, 2024
- Maintain that balance until October 31, 2024
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Personal Checking Account - $200 Bonus
Open an eligible Fifth Third checking account. Make direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Online Savings Account - Earn 4.25% APY
- No fees
- No minimum opening deposit
- No minimum balance required
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