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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
482,989 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
482,989 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 Nov 2008
L7: Teacher
> bubble2 2,001 Posts
510 Reputation
gt5oh
01-27-2023 at 07:44 PM.
01-27-2023 at 07:44 PM.
Quote from sunfish :
The only way to fund the account with $15000 within 30 days of opening is to deposit a paper check in a Chase branch or start a payroll deposit of $15000(that means you're making mega bucks) because:
1. It won't allow ACH from your other banks;
2. It won't let you Zelle into the savings account;
3. It won't let you mobile deposit more than $5000 in a 30-day period.

For those who don't have a Chase branch nearby and a checkbook, think twice before diving into this deal.

p.s. Not sure if wire works or not. I don't know what the consequences of a failed wire are.

TBH, a lot of misinformation here. You can deposit money to Checking and then transfer to Savings, as long as its NEW money it counts.

Zelle limits depend on the SENDING bank. From Chase FAQs
"Are there limits to the amount of money I can send and receive?
There are no limits to the amount of money you can receive."
source: https://www.chase.com/personal/zelle

If you add External bank account to your Chase.com and do an ACH and its the first time, it will get flagged. If you call fraud dept and get it fixed they will let it go through. As you build history and do it more frequently you won't get flagged.

Same goes for QuickDeposit, they will raise your limits over time as you use the service.

A wire transfer has no limit on $ but will have fees, typically from the sending bank and the receiving bank.

Finally, you can write yourself a check and deposit at a branch or ATM.
1
Reply
Joined Apr 2015
L3: Novice
> bubble2 292 Posts
131 Reputation
Korbo
01-27-2023 at 08:35 PM.
01-27-2023 at 08:35 PM.
Quote from gt5oh :
Quote from Korbo :
According to a phone rep it has to be directy into savings, without passing through checking.
This is false and they have no idea what they are talking about. The systems track new money as any money new to the bank, regardless if they pass through the Checking.

It just CANT be sitting in the checking for 3 months and then transfer to savings.
That would make more sense, although it's a bit late for me to test it. Someone curious and starting out now could try passing a small fraction of the money through the checking route, and seeing if the bonus progress tracker calls the $15k total good after 2-3 days.
Reply
Joined Jul 2019
L2: Beginner
> bubble2 89 Posts
30 Reputation
BuyNowRegretLater55
01-28-2023 at 07:24 AM.
01-28-2023 at 07:24 AM.
Quote from Deals_junky :
Tried to open the accounts but got this message:

Thanks for applying, MR.
We can't open an account for you online. We'll send more information regarding our decision in a few days to the address you provided. Please schedule a meeting to talk with a Chase banker in person.


Don't knw why. Does anyone have the same experience?

Same thing just happened to me. Don't know why, interested to know if anyone else had this issue and if there was a resolution without going into a branch
Reply
Joined Feb 2006
L2: Beginner
> bubble2 98 Posts
17 Reputation
sunfish
01-28-2023 at 07:33 AM.
01-28-2023 at 07:33 AM.
Quote from gt5oh :
TBH, a lot of misinformation here. You can deposit money to Checking and then transfer to Savings, as long as its NEW money it counts.

Zelle limits depend on the SENDING bank. From Chase FAQs
"Are there limits to the amount of money I can send and receive?
There are no limits to the amount of money you can receive."
source: https://www.chase.com/personal/zelle

If you add External bank account to your Chase.com and do an ACH and its the first time, it will get flagged. If you call fraud dept and get it fixed they will let it go through. As you build history and do it more frequently you won't get flagged.

Same goes for QuickDeposit, they will raise your limits over time as you use the service.

A wire transfer has no limit on $ but will have fees, typically from the sending bank and the receiving bank.

Finally, you can write yourself a check and deposit at a branch or ATM.
Misinformation? By whom?
1. Money transfer from checking to savings counts as NEW money?
I don't know if this is true or not. Have you tried that successfully? If not, you are just speculating.

2. Zelle limits depend on the SENDING bank.
I think even a dummy would agree with you. A dummy would also know that there isn't a common bank that has a daily Zelle limit greater than $3500. But this is beside the point since no matter what the limit, you can transfer for a few days to reach the $15,000 goal provided that you don't exceed the monthly Zelle limit. For Zelle to work, #1 has to be true.

3. If you call fraud dept and get it fixed they will let it go through.
OK, I actually tried this and they would not let it go through. Have you tried that and was successful? If yes, then you're probably just speculating on #1. If no, you're speculating on #3 incorrectly.

4. As you build history and do it more frequently you won't get flagged.
How is this relevant to the deal here? I don't know of any history that can be built up in 30 days.

5. Same goes for QuickDeposit, they will raise your limits over time as you use the service.
Sorry, they won't unless you call customer service. They may request additional verification and documentation. Currently limit is $5000/month. Do you know of anyone who has a new account and successfully had his/her limit raised to $15000/month?

6. A wire transfer has no limit on $ but will have fees, typically from the sending bank and the receiving bank.
Obviously. Tips: If you send and receive a lot of wires, park $25000 at CIT instead of other online banks.

7. Finally, you can write yourself a check and deposit at a branch or ATM.
Thank you for your insightful conclusion.
Reply
Joined Feb 2006
L2: Beginner
> bubble2 98 Posts
17 Reputation
sunfish
01-28-2023 at 07:37 AM.
01-28-2023 at 07:37 AM.
double post
Reply
Joined Jul 2017
.:.
> bubble2 391 Posts
Chonkla
01-28-2023 at 07:41 AM.
01-28-2023 at 07:41 AM.
I don't have $15k laying around but can someone help me with the math?

If I take out a $15,000 loan and deposit that into this account and open up a checking account what is the maximum interest rate of the loan so that I still make money?

Thanks in advance.
2
Reply
Joined Jan 2023
New User
> bubble2 2 Posts
10 Reputation
PurpleSofa405
01-28-2023 at 01:12 PM.
01-28-2023 at 01:12 PM.
It appears the link to the offer is gone. I remember reading it was through 4/15. Can I qualify still? Does someone have a coupon capture with offer code?
Reply

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Joined Sep 2010
L5: Journeyman
> bubble2 661 Posts
134 Reputation
BigPapa2
01-28-2023 at 02:01 PM.
01-28-2023 at 02:01 PM.
I just tried applying and got rejected - i got this message after filling out the form "We can't open an account for you based on the info you told us."

what the heck? i have never had a chase bank account before and my credit score is 800+ .... anyone else got this message?
Reply
Joined Feb 2019
PonPugal
> bubble2 12 Posts
14 Reputation
JemsonV
01-28-2023 at 02:08 PM.
01-28-2023 at 02:08 PM.
Quote from greenheck1 :
I just tried applying and got rejected - i got this message after filling out the form "We can't open an account for you based on the info you told us."

what the heck? i have never had a chase bank account before and my credit score is 800+ .... anyone else got this message?







I got the same, called customer NO service and the guy said they cannot disclose the details over phone and asked me to go to a local branch.
Reply
Joined Sep 2010
L5: Journeyman
> bubble2 661 Posts
134 Reputation
BigPapa2
01-28-2023 at 02:22 PM.
01-28-2023 at 02:22 PM.
Quote from JemsonV :
I got the same, called customer NO service and the guy said they cannot disclose the details over phone and asked me to go to a local branch.
I just did the same - called and got escalated to a supervisor and she was not able to tell me anything. said to go to local branch which for me is 40 mins away Frown
Reply
Joined Nov 2008
L7: Teacher
> bubble2 2,001 Posts
510 Reputation
gt5oh
01-28-2023 at 05:45 PM.
01-28-2023 at 05:45 PM.
Quote from sunfish :
Misinformation? By whom?
1. Money transfer from checking to savings counts as NEW money?
I don't know if this is true or not. Have you tried that successfully? If not, you are just speculating.

There is a lot of talk here with people saying you can't pass new money through checking to savings, thats untrue. You CAN pass NEW money through checking to savings. Wife is a manager of a branch for 7 yrs.


2. Zelle limits depend on the SENDING bank.
I think even a dummy would agree with you. A dummy would also know that there isn't a common bank that has a daily Zelle limit greater than $3500. But this is beside the point since no matter what the limit, you can transfer for a few days to reach the $15,000 goal provided that you don't exceed the monthly Zelle limit. For Zelle to work, #1 has to be true.

Again this depends on your sending bank, and your limits there. Chase has no receive limits.


3. If you call fraud dept and get it fixed they will let it go through.
OK, I actually tried this and they would not let it go through. Have you tried that and was successful? If yes, then you're probably just speculating on #1. If no, you're speculating on #3 incorrectly

Yes, its been done plenty of times, that is exactly fraud preventions job, to filter out fraud, if its deemed legit, and proved to them, then its released and let through. If you failed to properly explain the situation and prove its your own account at both banks then thats on you. You can even send a Secure Message with a screenshot of your other bank account or copy of bank statement. I've done that before personally and had them release and allow transfers.



4. As you build history and do it more frequently you won't get flagged.
How is this relevant to the deal here? I don't know of any history that can be built up in 30 days.

Just providing insight on how it works and operates


5. Same goes for QuickDeposit, they will raise your limits over time as you use the service.
Sorry, they won't unless you call customer service. They may request additional verification and documentation. Currently limit is $5000/month. Do you know of anyone who has a new account and successfully had his/her limit raised to $15000/month?

[B]If your opening a Chase account and holding $15k balances then you qualify for Premier Plus Checking, once you have that account you can ask for an increase, but over time if you have multiple accounts, good balances and use the feature often you will have your limits raised, yes this does not help for new accounts or this promo but just letting you know how it works.[B]

6. A wire transfer has no limit on $ but will have fees, typically from the sending bank and the receiving bank.
Obviously. Tips: If you send and receive a lot of wires, park $25000 at CIT instead of other online banks.

7. Finally, you can write yourself a check and deposit at a branch or ATM.
Thank you for your insightful conclusion.
Try not to be so combative when talking to others about a silly bank promotion on Slickdeals forums.
1
Reply
Joined Nov 2008
L7: Teacher
> bubble2 2,001 Posts
510 Reputation
gt5oh
01-28-2023 at 05:46 PM.
01-28-2023 at 05:46 PM.
Quote from PurpleSofa405 :
It appears the link to the offer is gone. I remember reading it was through 4/15. Can I qualify still? Does someone have a coupon capture with offer code?
Not gone? Site still works. https://account.chase.com/consume...ng/QK72296
Reply
Joined Aug 2009
L6: Expert
> bubble2 1,631 Posts
164 Reputation
dcguy703
01-29-2023 at 05:06 AM.
01-29-2023 at 05:06 AM.
Quote from gt5oh :
TBH, a lot of misinformation here. You can deposit money to Checking and then transfer to Savings, as long as its NEW money it counts.

Zelle limits depend on the SENDING bank. From Chase FAQs
"Are there limits to the amount of money I can send and receive?
There are no limits to the amount of money you can receive."
source: https://www.chase.com/personal/zelle

If you add External bank account to your Chase.com and do an ACH and its the first time, it will get flagged. If you call fraud dept and get it fixed they will let it go through. As you build history and do it more frequently you won't get flagged.

Same goes for QuickDeposit, they will raise your limits over time as you use the service.

A wire transfer has no limit on $ but will have fees, typically from the sending bank and the receiving bank.



Finally, you can write yourself a check and deposit at a branch or ATM.

This is incorrect. The money has to be deposited directly to Savings account from an external account. Transfer from checking to savings is not considered as "new" money

adding external account wont work either. they wl flag it and reject it for "fraud" or "suspicious " reasons. i tried it twice, one for $7k and second time for $5 but both times was flag, rejected, and second time they locked my account. only feasable option this time is to deposit a physical check, do a wire transfer, send money from external acct (ofcourse daily limits apply, usually less than $5k)
1
Reply
Last edited by dcguy703 January 29, 2023 at 05:10 AM.
Joined Jun 2022
New User
> bubble2 7 Posts
10 Reputation
wilfredtfs
01-29-2023 at 06:14 AM.
01-29-2023 at 06:14 AM.
Update on the deposit situation. I called up Chase support and they also echoed the same advice that the $15,000 has to be deposited directly into the Savings account but today I checked the mobile app and looks like a deposit into Checking and transferring that into Savings still meets the criteria. Very frustrating because I've already transferred the money out of my account. Need to transfer it back again...
Reply

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Joined Jan 2007
L8: Grand Teacher
> bubble2 3,653 Posts
1,994 Reputation
profitone
01-29-2023 at 09:39 AM.
01-29-2023 at 09:39 AM.
Noticed that the routing number on the free checks they printed for me vs on the direct deposit form they gave me is different...(account # is same) even cross referencing on the app/online its different... checks from wife's account matches routing number on mine but also different then on app/online or dd form.... Googled both and both are chase numbers (one appears unique to my state-- assuming other is maybe the "main" one?) but my payroll is antiquated and wants cancelled check.. Im not in the banking biz.. Anyone who is.. Why do this Chase?
Reply
Last edited by profitone January 29, 2023 at 09:59 AM.
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