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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
483,903 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
483,903 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 May 2019
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> bubble2 46 Posts
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Pramod13
01-16-2023 at 10:29 AM.
01-16-2023 at 10:29 AM.
Quote from dannysporea :
Where are you guys getting the need to maintain the account for 6 months language? The only language I can see is to have the account in good standing at the time the bonus is credited... there is nothing stating you have to have the accounts open for 6 months. Based on this, you can close them immediately after the bonus is credited.
I think one of the comment says that if you don't maintain account for 6 months, you have to waive bonus and people are following this.
Reply
Joined May 2019
L2: Beginner
> bubble2 46 Posts
14 Reputation
Pramod13
01-16-2023 at 10:34 AM.
01-16-2023 at 10:34 AM.
Quote from shooooooooter :
Early Account Termination Fee
If you close either account within 6 months of account opening, you will forfeit the bonus.
I can't see that language anywhere.
Reply
Joined Jan 2007
L3: Novice
> bubble2 197 Posts
38 Reputation
ANC96
01-16-2023 at 11:12 AM.
01-16-2023 at 11:12 AM.
Quote from Pramod13 :
May this help to answer your question
1. you need to have more than $500 direct deposit once to get $200 bonus for checking. After that you don't need to have direct deposit unless you can maintain $1500 minimum daily balance. Failing to do so would have $12 fee per month to maintain 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.
2. For savings, after 90 days you can withdraw the amount but need account active for 6 months like checkings. To maintain an account you need $300 daily balance or $25 autotransfer per month from checkings account otherwise you will be charged $5 per month until the account closure.
Can you let me know where the language is that says checking needs a $500 direct deposit? In my confirmation it only says it need to be done within 90 days of coupon enrollment, no person to person, and no micro-deposits (less than $1).
Having $500 of my pension direct deposited each month should avoid any fees, then have that money auto transferred into my normal account the next day.
Also.. I don't know how to attach the screen shot, but no where does it say I need to keep the savings account open for 6 months. Only 90 days from coupone enrollment.
I'll be confirming it before withdrawing it though
Reply
Joined Aug 2009
L9: Master
> bubble2 4,467 Posts
1,211 Reputation
ghostfreckle
01-16-2023 at 11:14 AM.
01-16-2023 at 11:14 AM.
1. Can you split your current direct deposit (to your normal bank) and still have it count?
2. You just need to keep it until you get paid by chase and then you can close the account? No fees?
3. How transfer money back and forth between your current bank and Chase?

Bonus: Do these deals only allow you to do it once? If I close my accounts, can I do it again in the future? How much time needs to pass?
Reply
Last edited by ghostfreckle January 16, 2023 at 11:35 AM.
Joined Jan 2007
L3: Novice
> bubble2 197 Posts
38 Reputation
ANC96
01-16-2023 at 11:45 AM.
01-16-2023 at 11:45 AM.
Hmm.. I was accepted, no problem.
Tried to do one for my daughter and it said with the information I put in the account was denied? The personal info was correct. My daughter has never had any chase account (she's 26),,, she has good credit.. I don't understand. Why would it be refused?
Reply
Joined Apr 2008
L3: Novice
> bubble2 192 Posts
31 Reputation
wakerider017
01-16-2023 at 11:58 AM.
01-16-2023 at 11:58 AM.
Quote from Pramod13 :
I think one of the comment says that if you don't maintain account for 6 months, you have to waive bonus and people are following this.
Right, and we asking for the source of that info used in that comment(s).

It appears on google search from various contributors... I just dont see anything official from Chase in the fine print.

https://www.forbes.com/advisor/ba...ons-bonus/

https://www.cnbc.com/select/chase...%20closing.

https://www.bankrate.com/banking/...ing-bonus/
Reply
Last edited by wakerider017 January 16, 2023 at 12:03 PM.
Joined May 2019
L2: Beginner
> bubble2 46 Posts
14 Reputation
Pramod13
01-16-2023 at 12:16 PM.
01-16-2023 at 12:16 PM.
Quote from wakerider017 :
Right, and we asking for the source of that info used in that comment(s).

It appears on google search from various contributors... I just dont see anything official from Chase in the fine print.

https://www.forbes.com/advisor/ba...ons-bonus/ [forbes.com]

https://www.cnbc.com/select/chase...%20closing [cnbc.com].

https://www.bankrate.com/banking/...ing-bonus/ [bankrate.com]
Only thing i found close to that is from 2016. I don't know if it is true now or not.
https://www.doctorofcredit.com/ch...200-bonus/
1
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Joined May 2019
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> bubble2 46 Posts
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Pramod13
01-16-2023 at 12:19 PM.
01-16-2023 at 12:19 PM.
Quote from ANC96 :
Can you let me know where the language is that says checking needs a $500 direct deposit? In my confirmation it only says it need to be done within 90 days of coupon enrollment, no person to person, and no micro-deposits (less than $1).
Having $500 of my pension direct deposited each month should avoid any fees, then have that money auto transferred into my normal account the next day.
Also.. I don't know how to attach the screen shot, but no where does it say I need to keep the savings account open for 6 months. Only 90 days from coupone enrollment.
I'll be confirming it before withdrawing it though
You will need a $500 direct deposit to avoid fees anyways (OR you can have $1500 sitting in the account to avoid fees).
For savings, you will need to have $300 to avoid any fees. So I would withdraw 15000 and leave $300 after or auto-transfer $25 per month from checking to saving after I get the bonus and close the account after 6 months.
Reply
Joined Dec 2017
L2: Beginner
> bubble2 29 Posts
10 Reputation
bstromski
01-16-2023 at 12:20 PM.
01-16-2023 at 12:20 PM.
Opened accounts for this deal, moved some monies to my new checking/savings to hit the minimum and I get a call from some dumbo saying they rejected the transfer (only wire transfer is supported not ACH)? This reminds me why I closed all my chase bank accounts years ago. What a joke of a bank.
Reply
Joined Jan 2007
L3: Novice
> bubble2 197 Posts
38 Reputation
ANC96
01-16-2023 at 12:52 PM.
01-16-2023 at 12:52 PM.
Quote from Pramod13 :
You will need a $500 direct deposit to avoid fees anyways (OR you can have $1500 sitting in the account to avoid fees).
For savings, you will need to have $300 to avoid any fees. So I would withdraw 15000 and leave $300 after or auto-transfer $25 per month from checking to saving after I get the bonus and close the account after 6 months.
I don't think the savings account needs to be open for 6 months, only "90 days after coupon enrollment date".
Not only did the confirmation say this, but also the small print on the complete terms and conditions. However, I will call to confirm this before I withdraw the $15,000.
For checking, I was going to just have $500 direct deposited, then auto-transfered out the next day. But it's probably easier to leave $1,500 in there.
Reply
Joined May 2015
L5: Journeyman
> bubble2 642 Posts
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Original Poster
addictedsaver
01-16-2023 at 12:57 PM.
01-16-2023 at 12:57 PM.
Quote from ANC96 :
Is there a minimim direct deposit amount that needs to be deposited?
Can I direct just a small portion of my pension to go into the new account?

I'm not even sure if I can do that with my pension.. I used to split deposits with my paycheck, so hopefully I can with my pension too.
Also does this direct deposit need to be done every month for the 3 months the $15,000 is in there or can it be stopped after the first deposit?
Also, was it confirmed that the $15,000 needs to be there only 3 months, or 6 months as one person had stated.

Thanks for any help

Only one direct deposit of any amount. $15k balance for 3 months only, but account needs to stay open for 6 months.
Reply
Joined Dec 2007
Timespent:1y 2m 1w 2d
> bubble2 2,425 Posts
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StephenCarboni
01-16-2023 at 01:08 PM.
01-16-2023 at 01:08 PM.
Quote from deal15220 :
bummer.. I did their $300 offer few months back

I got $600 for savings and checking.
Reply
Joined Feb 2016
...confuzed
> bubble2 3,308 Posts
650 Reputation
dazedxxx
01-16-2023 at 01:54 PM.
01-16-2023 at 01:54 PM.
Quote from addictedsaver :
Only one direct deposit of any amount. $15k balance for 3 months only, but account needs to stay open for 6 months.

You have up to 30 days to fund the 15k after opening....so your window could be shrunk to 60 days with 15k. There are minimums set for direct deposit which depends on how much is sitting in your account, and no micro deposits accepted. That's all listed in the fine print...just nothing on the 6 months though.

Also if you hold other Chase bank credit cards, they can cancel those when cancelling your accounts. There is no great data point on that though....maybe if they see your gaming them by closing after you get your $$$.
Reply
Last edited by dazedxxx January 16, 2023 at 02:00 PM.
Joined Sep 2007
L3: Novice
> bubble2 290 Posts
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bujjodu
01-16-2023 at 01:59 PM.
01-16-2023 at 01:59 PM.
Can we go to the branch and open an account to get this offer
Reply

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Joined Feb 2016
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> bubble2 3,308 Posts
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dazedxxx
01-16-2023 at 02:02 PM.
01-16-2023 at 02:02 PM.
Quote from bujjodu :
Can we go to the branch and open an account to get this offer

Yes, print out offer or show your email message from them, so they can get the code #. This means clicking the link, and having entered your email for the offer.
Reply
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