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Open New Chase Total Checking & Chase Savings Accounts w/ Direct Deposit, Get Expired

$900 Bonus
(w/ $15K+ Minimum Initial Deposit) & More
+343 Deal Score
483,651 Views
Chase has select Bonus Offers when you open a New Checking and/or Savings Account with the terms listed below.

Thanks to Community Member addictedsaver for posting this deal.

Note: Instructions below are for opening account(s) online; to open account(s) in person, enter your email address on the promotion page and you will receive a coupon via email to take to your nearest Chase branch.

Offers/Instructions:
  • $300 Bonus when you open a New Chase Total Checking Account:
    1. Click "Open an account" under "Get $300 Chase Total Checking" on the promotion page to open a new Chase Total Checking account, which is subject to approval
    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, Chase will deposit the bonus in your new account within 15 days
  • $200 Bonus when you open a New Chase Savings Account:
    1. Click "Open an account" under "Get $200 Chase Savings" on the promotion page to open a new Chase Savings 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
    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, Chase will deposit the bonus in your new account within 15 days.
  • $900 Bonus when you open BOTH of the above accounts:
    1. Click "Open an account" under "Get $900 for both (an extra $400 bonus) Chase Total Checking + Chase Savings" on the promotion page to 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, Chase will deposit the remaining bonus due in your new account within 15 days.

Original Post

Written by
Edited January 14, 2023 at 10:28 PM by
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
in Finance (3) Chase Consumer Bank
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Deal
Score
+343
483,651 Views
$900 Bonus
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

1,212 Comments

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Featured Comments

Early Account Termination Fee
If you close either account within 6 months of account opening, you will forfeit the bonus.
23% return on investment, not bad at all.

$900 / $15,500 = 0.058

0.058 * 4 quarters = 23%
lol what? You're getting $900 for 90 days with $15,000. You need to redo your math.

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Joined Apr 2011
L5: Journeyman
> bubble2 833 Posts
416 Reputation
sexydude
01-15-2023 at 02:06 PM.
01-15-2023 at 02:06 PM.
I got below response after trying to open account online. Is it normal or something was flagged for review?

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
Reply
Joined Dec 2016
L3: Novice
> bubble2 297 Posts
61 Reputation
malmskd
01-15-2023 at 02:24 PM.
01-15-2023 at 02:24 PM.
Quote from ieee488 :
Good to know! Thanks.
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.
Reply
Joined Jul 2005
L2: Beginner
> bubble2 89 Posts
98 Reputation
Technocrat
01-15-2023 at 02:33 PM.
01-15-2023 at 02:33 PM.
I created a new chase checking & Savings under the $600 promo. To fund the account, chase offered to LINK the account, saying its easy and convenient. Typically for any financial institute when you link an account they ask for ACH/Routing number and Account number. Using these 2 they make a nominal deposit and withdrawal that you need to confirm. Chase sent be to BoFA bank of america through Yodlee - This data aggregator will get all of your account info - date created, type of account, current balances etc. Chase does not state these things when you are setting up the link. If you want to know more about Yodle https://www.yodlee.com/account-verification.
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.
1
Reply
Joined Nov 2016
L3: Novice
> bubble2 170 Posts
21 Reputation
dhanushshai
01-15-2023 at 02:33 PM.
01-15-2023 at 02:33 PM.
What is the best way to open account for this offer: online or branch
Reply
Joined Jun 2004
L8: Grand Teacher
> bubble2 3,236 Posts
544 Reputation
ieee488
01-15-2023 at 02:35 PM.
01-15-2023 at 02:35 PM.
Quote from dhanushshai :
What is the best way to open account for this offer: online or branch
If you are able to do it online, do it.
I couldn't. I had to print out the offer and go into a branch.

Reply
Joined Mar 2019
L3: Novice
> bubble2 126 Posts
14 Reputation
Latency65
01-15-2023 at 02:56 PM.
01-15-2023 at 02:56 PM.
Does it mean denied? Or just wait and watch
Anyone faced this ?

"We're reviewing your application for Chase Total Checking® and Chase Savings"
1
Reply
Joined May 2021
L3: Novice
> bubble2 785 Posts
107 Reputation
ImagineNoReligion
01-15-2023 at 03:01 PM.
01-15-2023 at 03:01 PM.
Quote from ms123 :
I have chase from last 10-15 years. Do you guys occasionally close bank accounts every few years and open new ones for bonuses ? Isn't this a bit complicated to deal with?
I had used up my free checks from Chase, so I decided to close the account last year. Had to go into the branch to do it. Worth it now.
Reply

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Joined May 2021
L3: Novice
> bubble2 785 Posts
107 Reputation
ImagineNoReligion
01-15-2023 at 03:03 PM.
01-15-2023 at 03:03 PM.
Quote from ms123 :
I have chase from last 10-15 years. Do you guys occasionally close bank accounts every few years and open new ones for bonuses ? Isn't this a bit complicated to deal with?
I had used up my free checks from Chase, so I decided to close the account last year. Had to go into the branch to do it. Worth it now.
Quote from SSSSSJ :
If I transfer fund from my bofa checking to chase checking.will it be called as direct deposit?
No. Read the OP.
Reply
Joined May 2021
L3: Novice
> bubble2 785 Posts
107 Reputation
ImagineNoReligion
01-15-2023 at 03:10 PM.
01-15-2023 at 03:10 PM.
Anyone holding bank stocks, consider what this offer implies for profitability. Also, give the OP a thumb-up and rep point, will you?
Reply
Joined May 2006
L7: Teacher
> bubble2 2,509 Posts
394 Reputation
tivoboy
01-15-2023 at 03:20 PM.
01-15-2023 at 03:20 PM.
Quote from ImagineNoReligion :
Anyone holding bank stocks, consider what this offer implies for profitability. Also, give the OP a thumb-up and rep point, will you?

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.
Reply
Last edited by tivoboy January 15, 2023 at 03:27 PM.
Joined May 2021
L3: Novice
> bubble2 785 Posts
107 Reputation
ImagineNoReligion
01-15-2023 at 03:25 PM.
01-15-2023 at 03:25 PM.
Quote from tivoboy :
Are you thinking it will be bad? The last time Chase at least did this offer, 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.
I've seen a lot of bank offers lately. Seems like they have to compete for deposits now. Maybe I'm wrong.

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.
Reply
Joined May 2006
L7: Teacher
> bubble2 2,509 Posts
394 Reputation
tivoboy
01-15-2023 at 03:29 PM.
01-15-2023 at 03:29 PM.
Quote from ImagineNoReligion :
I've seen a lot of bank offers lately. Seems like they have to compete for deposits now. Maybe I'm wrong.

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).
1
Reply
Joined Feb 2016
...confuzed
> bubble2 3,301 Posts
650 Reputation
dazedxxx
01-15-2023 at 03:44 PM.
01-15-2023 at 03:44 PM.
Quote from vazgen112 :
Hate deals that aren't any good for existing customers.

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.
Reply
Last edited by dazedxxx January 15, 2023 at 03:50 PM.
Joined Jun 2021
L2: Beginner
> bubble2 95 Posts
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MoneyPrinter
01-15-2023 at 03:47 PM.
01-15-2023 at 03:47 PM.
this is a GREAT deal, thank you OP!
Reply

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Joined Feb 2016
...confuzed
> bubble2 3,301 Posts
650 Reputation
dazedxxx
01-15-2023 at 04:07 PM.
01-15-2023 at 04:07 PM.
Quote from MoneyPrinter :
this is a GREAT deal, thank you OP!

Tell me more about your username...Smilie
Reply
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