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 May 2025:
- Chase Total Checking®:
$300 Bonus - Chase Secure Banking℠:
$100 Bonus - Chase Business Complete Banking®:
Up to $500 Bonus - Chase College Checking℠:
$100 Bonus - Chase Private Client Checking℠:
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
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- 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*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Total Checking® is Chase's most popular checking account. It's a no-frills basic checking account with some perks, like Overdraft Assist℠.
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.
- Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
- OR a balance at the beginning of each day of $1,500 or more in this account,
- OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Chase Business Complete Banking
Chase Business Complete Banking® - Up to $500 Bonus
- Earn up to $500 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.
- Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Associate Debit and Employee Deposit Cards available upon request
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 $60 per month on fees after opening their account.
- 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.
- $0 Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
- Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
- With Zelle®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.
- With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly.
- JPMorgan Chase Bank, N.A. Member FDIC
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
- Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
- 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*
- Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
- With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
- Open your account online now
- Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Bank of America Advantage Banking - $300 Bonus Offer
- The $300 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 05/31/2025.
- 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.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
U.S. Bank Business Essentials - $500 Bonus
Promo code Q2AFL25 MUST be used when opening a U.S. Bank Business Essentials, Silver, or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $500 Business Checking bonus by opening a new U.S. Bank Business Essentials or Silver Business Checking account between 4/3/2025 and 6/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 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. 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 qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
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