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Edited January 14, 2023
at 10:28 PM
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Get $300 with a new checking account and another $200 with a new savings account with qualifying activities. Plus, get an extra $400 bonus when you open both accounts at the same time. TOTAL $900.
Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to 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 and one new savings account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use.
To receive the checking bonus:
1) Open a new Chase Total Checking account, which is subject to approval;
AND 2) Have your direct deposit made to this account within 90 days of coupon enrollment. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 15 days.
To receive the savings bonus:
1) Open a new Chase SavingsSM account, which is subject to approval;
2) Deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment;
AND 3) Maintain at least a $15,000 balance for 90 days from the coupon enrollment. The new money cannot be funds held by you at Chase or its affiliates. After you have completed all the above savings requirements, we'll deposit the bonus in your new account within 15 days.
To receive the extra bonus:
You must open the checking and savings account at the same time and complete all requirements above for BOTH the checking bonus and savings bonus. After you have completed all requirements, we will deposit the remaining bonus due in your new account within 15 days.
To receive any of the above bonuses, the enrolled account must not be closed or restricted at the time of payout. Bonuses are considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).
Open link in incognito if it doesn't work
https://account.chase.com/consume...ng/QK72296
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If you close either account within 6 months of account opening, you will forfeit the bonus.
$900 / $15,500 = 0.058
0.058 * 4 quarters = 23%
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We're reviewing your application for Chase Total Checking® and Chase SavingsSM
You're all set for now. We'll send a response to the email address you provided on your application within 1 to 2 business days
I had thought that Zelle wouldn't let someone have more than one Zelle account.
Zelle isn't really an account but rather a different way to move money, like a modern ACH...so instead of days to make a transfer (ACH), Zelle is minutes. If your bank allows Zelle then you just have to designate an email address to that specific bank account. It's super easy but Zelle may limit how much money you can initially move as they want to make sure you're not scamming or getting scammed. Each bank has a daily and\or monthly Zelle transfer limit but it's usually around $2.5k or $3k a day.
When I rejected Yodlee route, Chase offered the ACH and account number option!!!
Next, they locked me out out my account and I had to call them to unlock it.
They said I can only fund it with wire transfer or Zelle.
I couldn't. I had to print out the offer and go into a branch.
Anyone faced this ?
"We're reviewing your application for Chase Total Checking® and Chase Savings"
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Are you thinking it will be bad? The last time Chase at least did this offer, bank stocks are up over 50% and in the interim were even higher than that. As well, in todays interest rate environment the NIM (net interest margin) that banks earn on deposits is probably 3X what it used to be back then and probably similarly over the past decade. So, I'm thinking backs are VERY interested in increasing accounts and deposits, and are will to pay a CAC (customer acquisition cost) that is marginally higher than normal to get those monies.
The thing about NIM is, long rates have been going down lately, while it seems customer acquisition costs are going up. Bank loans have been getting hammered by the rising interest rates and a lot of them are not figured into net income calculations.
The thing about NIM is, long rates have been going down lately, while it seems customer acquisition costs are going up. Bank loans have been getting hammered by the rising interest rates and a lot of them are not figured into net income calculations.
Other than what is says about the overall macro economy, banks WANT long rates lower… they borrow long and lend short (where rates are higher comparatively).
Change banks, and take advatage in the future...ya its a hassle....but I like the guys post above about schwab, and i might give that a go after I find out more.
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