Updated February 17, 2023

Chase Private Client Bonus

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Chase is now offering up to a $3,000 bonus when you open a new Chase Private Client Checking account. Find out how to qualify below.

Chase is back with its popular bonus offer for opening a new Chase Private Client account!

This is the biggest cash bonus that Chase offers. It's exciting because this doesn't happen very often.

So if you've been interested in this account for a while, now is the time to get it and snag a super sweet bonus at the same time. Who knows when it'll be back again.

Here's all the details of how to get the bonus. Plus, we'll go over the benefits so you can decide if this account is right for you.

What Is Chase Private Client?

Chase Private Client (CPC) is an elite banking and investment service for high-balance Chase customers. You get a personalized banking experience and access to exclusive products and services.

Just some of the benefits include:

  • A private banker
  • A dedicated JP Morgan financial advisor
  • No banking fees for most everyday activities
  • Free 3x5 Safe Deposit Box
  • Discounted rates for home and auto loans
  • Access to a portfolio line of credit at a competitive rate
  • Guidance to help with your business needs

And now, Chase sweetens the deal even more with a large $3,000 welcome bonus when you join. Read on for what you need to know.

How to Get the $3,000 Bonus

To earn the Chase Private Client $3,000 bonus, you must:

  1. Get an offer code by entering your email address.
  2. Speak with a Private Client Banker to open a Chase Private Client Checking account.
  3. Within 45 days of coupon enrollment, transfer qualifying new money or securities to a combination of eligible Chase banking and investment accounts.
  4. Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000
  5. Maintain your new money for at least 90 days from coupon enrollment.

You'll get the cash bonus deposited into your new Chase Private Checking account within 40 days.

Who is Eligible for the Bonus

This Chase Private Client promotion is open nationwide. It's not only by invitation to existing Chase customers.

You do need to meet with a Private Client Banker, so you should live near a Chase Bank location. Here's a branch locator to find your nearest branch.

What Accounts are Eligible for New Money Deposit

  • Chase Personal Checking and Savings accounts
  • J.P. Morgan Wealth Management non-retirement investment accounts. It must be opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor.

Accounts that are NOT eligible include:

  • Chase business checking and savings accounts
  • Any J.P. Morgan Self-Directed Investing & Automated Investing accounts
  • Any J.P. Morgan retirement accounts (such as Traditional and Roth IRAs, SEP IRAs, SIMPLE IRAs, Keoghs, and 401k plans)
  • CDs
  • Insurance products
  • Fixed and variable annuities
  • J.P. Morgan Fund Accounts
  • 529 College Savings Plans
  • Attorney trust accounts
  • Client fund trust accounts
  • Government or Non-Profit accounts
  • Donor-advised funds

How to Waive the Monthly Fee

Chase Private Client Checking has $35 monthly service fee. You can waive this fee one of two ways:[1]

  • Maintain an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying Chase checking, savings, and investment accounts, OR
  • Have a linked Chase Platinum Business CheckingSM account

Qualifying Accounts Include:
  • Chase Personal Checking and Savings Accounts (excluding Chase Premier Savings)
  • Investment and Annuity Products offered through JPMorgan Chase & Co. and its affiliate and agencies.

Other Fine Print to Know

  • The new money cannot be existing deposits, funds, or securities held by you at Chase or its affiliates.
  • Gains and losses to qualifying investment balances from trading or market fluctuation will not be counted for purposes of meeting the balance requirements.
  • To receive this bonus, the enrolled account must not be closed or restricted at the time of payout.
  • You can only participate in one Chase Private Client Checking new money bonus in a 12 month period from the last bonus coupon enrollment date.
  • Coupon is good for one time use and only one bonus per account.
  • Bonuses are considered interest and will be taxable.

Who Chase Private Client is Best For?

Chase Private Client is for high-net-worth individuals. It could be right for you if you:

  • Want an all-inclusive banking and investment experience
  • Want personalized attention and financial advice
  • Can keep at least $150,000 combined in your Chase banking and investment accounts
  • Regularly use banking services like wire transfers and money orders

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Pros & Cons of Chase Private Client


  • Dedicated advisors to provide guidance
  • Personal relationship with your banker
  • No banking fees for most activities
  • Discount rates on home and auto loans
  • Benefits extend to adult immediate family members
  • Dedicated phone line


  • Not all branches may offer CPC services
  • Low interest rates compared to online only banks
  • Need at least $150,000 to qualify for Chase Private Client bonus

Now let's review the Chase Private Client program in detail.

Dedicated Advisors

One of the most valuable parts of being a Chase Private Client is that you'll get a private banker and other dedicated advisors.

This gives you a more personal relationship with your bank. They'll know your needs and can help you find the best financial solutions for your goals. Whether you need a loan or are starting a business, your personal banker will be there to guide you.

Banking Benefits

As a Chase Private Client, you'll get priority service and no Chase fees for most everyday activities.

  • No ATM fees worldwide; Chase will even refund ATM fees charged by other owners
  • No foreign exchange fees
  • No fees on the first 4 overdrafts during the current and prior 12 statement periods
  • No fees incoming or outgoing wires
  • No fees for cashier's checks, counter checks, and money orders
  • No stop payment fee
  • Free 3x5 Safe Deposit Box (20% discount on larger boxes) for existing rentals
  • Free rushed card replacement to anywhere in the world
  • Free personal check designs

You also get higher limits for transactions:

  • Daily ATM withdrawal limit up to $3,000
  • Daily purchase limit up to $7,500 with the CPC debit card
  • Chase QuickDepositSM limits of $100,000/day ($250,000 every 30 days)
  • Chase QuickPay with Zelle® limits of $5,000/day ($40,000 every 30 days)

Investment Benefits

  • Dedicated JP Morgan Private Client Advisor
  • Personalized investment strategy based on your financial situation, time frame, risk level, and goals
  • Regular meetings to update your strategy
  • Retirement and education planning
  • Get real-time global insights, market conditions, and trends
  • Direct line to your advisor, whether it's by phone, video chat, or in-person

Loan Benefits

  • Up to 0.50% rate discount when you purchase or refinance a home[2]
  • 0.25% rate discount when you purchase a new car
  • Dedicated Home Lending Advisor
  • Access to a portfolio line of credit with no annual fees and no origination fee. This lets you get access to funds without having to liquidate your investments.

Business Benefits

  • Dedicated business relationship manager
  • Guidance on improving cash flow, finding payment solutions, and providing financing options
  • No monthly service fee on a Chase Business Complete Checking account
  • Reduced minimum balance of $50,000 to waive monthly fee for Chase Platinum Business Checking account.
  • No Chase fee on incoming or outgoing wire transfers

Other Benefits for Family Members

  • Your Chase Private Client benefit also extend to adult immediate family members when you are joint owners on a CPC deposit account.
  • Authorized debit cards for family members or caregivers
  • Access to Chase First Banking - a debit card for teens and kids

Bottom Line

The Chase Private Client bonus is an amazing deal if you can meet the requirements. It doesn't come around often, so don't wait if you've already been curious about this account.

Chase Private Client offers personalized service and financial guidance, plus access to exclusive products. This alone could be worth it for high-net individuals who want more from their bank than just a place to park their money.


Member FDIC

Chase Private Client - $3,000 Bonus

Expires 7/19/2023
  • You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
  • Speak with a Private Client Banker to open your Chase Private Client Checking account today. Schedule your meeting at your nearest branch or over the phone.
  • Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
  • Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000
  • No ATM fees worldwide.
  • No Chase fee on incoming or outgoing wire transfers; can be completed online or over the phone.
  • Experience a financial relationship that brings you more.
  • Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 7/19/2023
  • 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.
  • 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 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 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 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.


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

Expires 7/23/2023
  • 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 CY223 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 6/15/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 6/15/2023

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