Chase Checking Account Bonus Offers
Chase is currently offering cash bonuses for opening a new checking account. See the current checking account bonus promotions before they expire.
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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.
Best Chase Bank Checking Offers for September 2023
Chase is constantly rolling out new promotions, so be sure to keep an eye on this page for the latest Chase coupons.
Keep reading to learn more about these offers and how to qualify.
Chase Total Checking $200 Bonus
Chase Total Checking® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
- 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.
To get your $200 bonus, all you need to do is set up direct deposit and have the first direct deposit made to the account within 90 days. You don't need a minimum opening deposit. You can open the account with $0.
Here's how you can earn the $200 Chase Total Checking bonus:
- Request an offer code online by providing your email address.
- Open a new Chase Total Checking account either online or in-person by the offer stated expiration date.
- Set up direct deposit and have your first direct deposit made to this account within 90 days of account opening.
- The $200 bonus will be deposited into your new account within 15 business days after completing the above checking requirements.
Chase Total Checking has a $12 monthly service fee that can be waived with one of the following actions:
- Have monthly direct deposits totaling $500 or more each statement period, OR
- Maintain a balance of $1,500 or more at the beginning of each day, OR
- Maintain an average beginning day balance of $5,000 or more in any combination of this account plus other linked qualifying Chase checking and savings accounts.
- Free debit card with chip technology
- Mobile check deposits by snapping a photo
- Free online bill pay
- Send and receive money through QuickPay with Zelle®
- Chase Overdraft AssistSM - 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
- No fee for Overdraft Protection transfer when you link a Chase Savings account
- Text banking to check balances and transaction history
- Custom account alerts via text, email, or push notifications
- Cardless ATM withdrawals
- The checking offer is not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance.
- A qualifying direct deposit must be an electronic deposit coming from either an employer or the government in the form of a paycheck, pension, or benefits like Social Security.
- If you close the checking account within 6 months after opening, Chase will deduct the bonus amount at closing.
- You can receive only one new checking account-related bonus every two years from the last enrollment date and only one bonus per account.
- Bonus is considered interest and will be taxable.
Chase Business Complete Banking $300 Bonus
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 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 service fees 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 has a great $300 bonus for small business owners. You only need to deposit $2,000 or more in the first 30 days. You must maintain a balance of at least $2,000 for 60 days.
In addition, you just need to make 5 qualifying transactions within 90 days. This can include debit card purchases, check deposits, wire transfers, bill payments, or credit card processing transactions.
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.
Here's how you can earn the $300 Chase business checking bonus:
- Request an offer code online by providing your email address.
- Open a new Chase Business Complete Banking account either online or in-person.
- Deposit a total of $2,000 or more of new money within 30 days from offer enrollment
- Maintain at least $2,000 balance for 60 days from the date of deposit.
- Complete 5 qualifying transactions within 90 days of opening the account (debit card purchases, check deposits, ACH credits, or wires).
- The bonus will be deposited into your new account within 15 business days after completing the above checking requirements.
Chase Business Complete Banking has a $15 monthly service fee that can be waived with one of the following actions:
- Maintain a $2,000 minimum daily balance
- Spend at least $2,000 on purchases with a Chase Ink® Business credit card
- Receive $2,000 in deposits from Chase QuickAccept or other eligible Chase Payment Solutions transactions
- Link a Chase Private Client Checking account
- Provide valid, qualifying proof of military status (active or veteran)
- Built-in card acceptance with Chase QuickAccept; process all major debit and credit cards
- Same-day deposits with QuickAccept to keep the cash flow moving
- Unlimited electronic deposits, including QuickAccept transactions, ACH transfers, debit card purchases, and mobile check deposits
- $5000 in cash deposits per statement cycle for free
- Set up multiple business account users and monitor and control their access
- Free check monitoring services
- Custom account alerts for low balance, large transactions, and more
- Checking offer is not available to existing Chase business checking customers, local, state or federal Government entities or agencies, Not for Profit organizations, Political Action Committees, or those with campaign accounts, or whose accounts have been closed within 90 days or closed with a negative balance.
- The new money cannot be funds held by your business at Chase or its affiliates.
- You can receive only one new business checking account welcome bonus every two years from the last enrollment date and only one bonus per account.
- If you or Chase close the checking account within six months after opening, Chase will deduct the bonus amount for that account at closing.
Chase Secure Banking $100 Bonus
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.
- No overdraft fees with a Chase debit card that helps you stay within your balance.
- Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
- JPMorgan Chase Bank, N.A. Member FDIC.
- Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
- Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
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.
Chase is currently offering a $100 bonus. You just need to make 10 qualifying transactions within the first 60 days. This can be debit card purchases, online bill payments, mobile check deposit, Zelle®, or ACH transfers.
The $4.95 monthly fee can't be waived. In exchange, there are no fees for overdrafts, check deposits, online bill pay, Zelle®, money orders, and cashier's checks. Plus, you don't need to worry about maintaining a minimum balance.
Here's how you can earn the $100 Chase Secure Banking bonus:
- Open a Chase Secure Banking account online or enter your email to get an offer code to apply in branch.
- Complete 10 qualifying transactions within 60 days of enrollment (debit card purchases, online bill payments, Chase QuickDeposit, Zelle®, or ACH credits)
- The $100 bonus will be deposited into your new account within 15 days of completing the qualifying transactions.
Chase Secure Banking has $4.95 monthly fee that cannot be waived.
- No overdraft fees
- No fees to pay bills with Chase OnlineSM Bill Pay
- No fees to send money using Zelle®
- No fees for mobile check deposits
- No fees on money orders or cashier's checks
- Eligible for direct deposit up to 2 days early
- Alerts to monitor your balance, deposits, and more
- Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
- You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account.
- To receive your bonus, the enrolled account must not be closed or restricted at the time of payout.
- Bonus is considered interest and will be taxable.
Chase College Checking $100 Bonus
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 for up to 5 years if you're a student between the ages of 17-24 at account opening with proof of student status.
- 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*
College students can make some extra cash with this $100 bonus offer by opening a Chase College Checking Account.
This account has no monthly service fee for up to 5 years for college students between the ages of 17-24 at account opening. You must provide proof of student status.
To the $100 bonus, you just need to make 10 transactions in 2 months. You can easily do that by buying things with your debit card, sending Zelle payments to friends, or paying bills online.
Here's how you can earn the $100 Chase College Checking bonus:
- Open a Chase College Checking account online or enter your email to get an offer code to apply in branch.
- Complete 10 qualifying transactions within 60 days of enrollment (debit card purchases, online bill payments, Chase QuickDeposit, Zelle®, or ACH credits)
- The $100 bonus will be deposited into your new account within 15 days of completing the qualifying transactions.
Chase College Checking has no monthly service fee for college students between 17-24 years old at account opening, for up to 5 years. You must provide valid student ID or proof of enrollment, college name, and expected graduation date.
After the expected graduation date, the monthly fee is $6. It can be waived with one of the following each statement period:
- Have an electronic deposit made into this account, or
- Keep an average ending day balance of $5,000 or more
- Free debit card with chip technology
- Mobile check deposits by snapping a photo
- Free online bill pay
- Send and receive money through QuickPay with Zelle®
- Chase Overdraft AssistSM - 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
- No fee for Overdraft Protection transfer when you link a Chase Savings account
- Text banking to check balances and transaction history
- Custom account alerts via text, email, or push notifications
- Cardless ATM withdrawals
- Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
- You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account.
- To receive your bonus, the enrolled account must not be closed or restricted at the time of payout.
- Bonus is considered interest and will be taxable.
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® - $200 Bonus
- New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
- 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 Business Advantage Checking Account - $200 Bonus Offer
- Open a new eligible business checking account by December 31, 2023
- Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
- Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC
Citi Priority - Earn up to $2,000 Cash Bonus
- Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
- New to Relationship customers can choose their Relationship Tier.
- Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
- Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
- If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
- Bonus will be paid within 30 days after you successfully complete all required activities.
- Restrictions apply.
TD Beyond Checking - $300 Cash Bonus
- New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
- Three ways to go monthly maintenance fee-free: Monthly Maintenance fee waived when you set up direct deposits of $5,000 or more within a statement cycle, maintain a $2,500 minimum daily balance, or have a $25,000 combined balance across eligible TD accounts.
- ATM perks: TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
- A little extra time. A lot of extra relief: Avoid fees with Grace Period, which gives you until 11 PM ET the next business day to fix an overdraft. Make sure your available balance is at least $0 by depositing enough to cover the overdrawn balance plus any additional transactions and TD will refund the overdraft fee to your checking account.
- Fast and secure payments: TD Bank debit cards are backed by the Zero Liability guarantee and 24/7 fraud monitoring
- Convenient locations with the longest hours around: We have over 1,100 locations from Maine to Florida that's open early, late, and weekends.
- Get reimbursed for fees including two overdraft fees per year, all Rush Bill Payments, and one outgoing wire per statement cycle (domestic or international).
- Additional TD Bank checking account perks worth talking about: Get 24/7 access to all your TD accounts with Online & Mobile Banking, plus Bill Pay, Send
- Money with Zelle®, Mobile Deposit and Online Statements.
Discover Online Savings - $200 Cash Bonus
To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY923 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.
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