Updated November 19, 2022

Chase Checking Account Bonus Offers

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Chase is currently offering cash bonuses for opening a new checking account. See the current checking account bonus promotions before they expire.

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 February 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 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:

  1. Request an offer code online by providing your email address.
  2. Open a new Chase Total Checking account either online or in-person by the offer stated expiration date.
  3. Set up direct deposit and have your first direct deposit made to this account within 90 days of account opening.
  4. 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 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
  • 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 has a great $300 bonus for small business owners. You only need to deposit $2,000 in the first 30 days and maintain that balance for 60 days.

In addition, you just need to make 5 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:

  1. Request an offer code online by providing your email address.
  2. Open a new Chase Business Complete Banking account either online or in-person.
  3. Deposit a total of $2,000 of new money within 30 business days of account opening.
  4. Maintain at least $2,000 balance for 60 days from the date of deposit.
  5. Complete 5 qualifying transactions within 90 days of opening the account (debit card purchases, check deposits, ACH credits, or wires).
  6. The $300 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 QuickAcceptSMor 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 QuickAcceptSM; 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

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:

  1. Open a Chase Secure Banking account online or enter your email to get an offer code to apply in branch.
  2. Complete 10 qualifying transactions within 60 days of enrollment (debit card purchases, online bill payments, Chase QuickDeposit, Zelle®, or ACH credits)
  3. 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

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:

  1. Open a Chase College Checking account online or enter your email to get an offer code to apply in branch.
  2. Complete 10 qualifying transactions within 60 days of enrollment (debit card purchases, online bill payments, Chase QuickDeposit, Zelle®, or ACH credits)
  3. 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 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
  • 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.

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 16,000 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® - $200 Bonus

Expires 4/19/2023
  • 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 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • 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 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*

*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds 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.

Citibank

Citi Priority Account - Earn up to $2,000 Cash Bonus

Expires 4/4/2023
  • Earn up to $2,000 cash bonus when you open a new eligible Citi Priority Checking Account with required activities
  • 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 tier at any point during the maintenance period, the bonus changes.
  • Bonus will be paid within 30 days after you successfully complete all required activities.
TD Bank
Member FDIC

TD Beyond Checking - $300 Cash Bonus

Expires 10/31/2023
  • Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
  • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Overdraft Payback and more.
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more within a statement cycle, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
  • TD ATM fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • Get overdraft fees automatically reversed up to two times a year.
  • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
  • TD checking accounts come with an instant-issue debit card - and, you can pay with confidence with contactless technology Visa Zero Liability protection and 24/7 fraud monitoring.
  • Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
Discover Bank
Member FDIC

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 CY323 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 3/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 3/15/2023
CIT Bank
Member FDIC

CIT Bank Savings Connect - 4.05% APY

  • Earn 12x the national average
  • $100 minimum opening deposit
  • No monthly maintenance fee

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