Updated January 4, 2024

Chase Checking Account Bonus Offers

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Get cash bonuses with Chase's current bonus offers. Find the best limited-time checking account promotions today.

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.

Is Chase Bank currently offering any incentives to open an account?
Here are the best Chase checking account offers for June 2024:
  1. Chase Total Checking®: $300 Bonus
  2. Chase Secure Banking℠: $100 Bonus
  3. Chase Business Complete Banking®: $300 Bonus
  4. Chase College Checking℠: $100 Bonus
  5. 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 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 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

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 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.

If you don't see the bonus in your Chase account after 15 business days, you can ask Chase customer service at 1-800-935-9935.

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

  1. ^ Chase. Tax Forms and Mailing Dates, Retrieved 11/18/2022
  2. ^ IRS. Instructions for Forms 1099-INT and 1099-OID (01/2022), Retrieved 11/18/2022
  3. ^ FDIC.BankFind: JPMorgan Chase Bank, National Association, Retrieved 11/18/2022
  4. ^ FDIC. Your Insured Deposits, Retrieved 11/18/2022
Chase
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 7/24/2024
  • 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
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 9/30/2024
  • 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 9/30/2024.
  • To qualify, open a new eligible 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 eligible account within 90 days of account opening. Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Once all requirements are met, 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.
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 9/12/2024

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY624 at application, 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. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers, including co-branded, or affinity accounts. 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 subject to tax reporting. Offer ends 09/12/2024, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.00% APY

  • 5.00% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC
Bluevine

Free Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

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CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

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