May 16, 2020

Chase Total Checking Bonus

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Need a new checking account? You can get $200 from Chase Bank for signing up for a Total Checking account with direct deposit. Here's how to do it.

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Checking accounts from major banks tend to blend together; they all seem to offer the same things with similar fees. Chase Bank is offering a $200 bonus for new Total Checking customers right now, which might make your decision easier.

    Member FDIC

    Chase Total Checking® - $200 Bonus

    Expires 4/14/2021
    • Enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit
    • Access to 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

Chase Total Checking Bonus Offer

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The $200 bonus offer is available nationwide to all new Chase Bank checking customers except those who live in Hawaii, Alaska, or Puerto Rico.

You're considered a new customer if you:

  • Don't have a checking account with Chase
  • Haven't closed a Chase account within the past 90 days
  • Have never closed a Chase account with a negative balance

The current $200 bonus isn't unheard of; in the past, Chase has offered $150, $200, and $300 bonuses for the Total Checking account. Check out all of Chase's current promotions here.

How to Get the Bonus

You can get the bonus by signing up for a Chase Total Checking account online or in person.

Here's how:

  1. Open an account: Either have the coupon emailed to you if you're opening it in person or apply online.
  2. Set up direct deposit: This can be a payment from an employer or the government in the form of a paycheck, pension, or benefits like Social Security.
  3. Direct deposit within 90 days: There's no minimum required amount.
  4. Receive your bonus: It will be credited to your account within 10 business days.
  5. Keep the account open for at least 6 months: If you or Chase closes it before then, the $200 will be deducted from your balance.

That bonus might not be worth it if you have to pay the Total Checking Account's monthly fees. It's easy to waive them, though.

Sign-up bonuses are considered taxable interest. The $200 bonus will appear on Form 1099-INT when filing your taxes for the year that you received the funds.

How to Waive Chase Total Checking Monthly Fees

The Total Checking account charges a $12 monthly fee unless you meet ONE of the following conditions:

  • Have monthly direct deposits of at least $500
  • Keep at least $1,500 in the account every day
  • Keep an average of at least $5,000 in all linked Chase accounts

Monthly fees are fairly standard in most traditional checking accounts. Before you sign up for a Chase Total Checking account, make sure it has all of the features you need.

Chase Total Checking Pros and Cons

The Chase Total Checking account comes with most of the standard checking account features.


  • No required minimum opening deposit
  • More than 4,700 bank branches and 16,000 ATMs
  • Mobile banking, check deposit, and bill pay with Chase app
  • Account alerts notify customers of all changes


  • Monthly maintenance fee
  • Charges fees for overdrafts, wire transfers, and insufficient funds
  • Only available in 29 states
  • Checking account doesn't give any interest

Bottom Line

The Chase Bank Total Checking bonus offer is a chance to make some extra money if you're willing to open a new checking account. The bonus is simple to get, and the account's fees are easy to waive, making it an uncomplicated way to earn some cash.

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