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Chase Total Checking®: Earn $300 When You Open a New Account With Qualifying Activities

+93 Deal Score
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This offer is still available.

Chase is offering new checking customers a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.

Details:
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
  • Chase Overdraft AssistSM – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
  • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

Monthly Service Fee:
  • $12 or $0 with one of the following, each monthly statement period:
    • Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
    • OR a balance at the beginning of each day of $1,500 or more in this 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.
Non-Chase ATM Fee: $3 fee per withdrawal at a non-Chase ATM in the U.S. and the U.S. territories. $5 fee per withdrawal at a non-Chase ATM outside of the U.S. and the U.S. territories. Surcharge Fees from the ATM owner/network still apply. U.S. territories include American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.

Slickdeals may be compensated by Chase

Service Fee: Chase Total Checking has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Have electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network; OR, Option #2: Keep a balance at the beginning of each day of $1,500 or more in your checking account; OR, Option #3: Keep 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. Otherwise a $12 Monthly Service Fee will apply.

Chase Savings℠ has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Keep a balance at the beginning of each day of $300 or more in your savings account; OR, Option #2: Have $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile®); OR, Option #3: Have a Chase College Checking℠ account linked to this account for Overdraft Protection; OR, Option #4: Have an account owner who is an individual younger than 18; OR, Option #5: Have a linked Chase Premier Plus Checking℠, Chase Sapphire℠ Checking, or Chase Private Client Checking℠ account. Otherwise a $5 Monthly Service Fee will apply.

2New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Product terms subject to change. For more information, please see a banker or visit chase.com/checking or chase.com/savings.

Bonus/Account Information: Offer not available to existing Chase checking customers, or 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 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 bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $500 or more made into the new checking 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 requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.

With Chase Overdraft Assist℠, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Chase Mobile® app is available for select mobile devices. Enroll in Chase Online℠ or on the Chase Mobile app. Deposits made through the Chase Mobile app are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See chase.com/QuickDeposit or the Chase Mobile app for eligible mobile devices, limitations, terms, conditions and details. Message and data rates may apply.

Chase Online Bill Pay: Must enroll in Chase Online℠ Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.

Enrollment in Zelle® at a participating financial institution using an eligible U.S. checking or savings account is required to use the service. Chase customers may not enroll using savings accounts; an eligible Chase consumer or business checking account is required, and may have its own account fees. Consult your account agreement. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply.
Zelle® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle® nor Chase provide protection if you make a purchase of goods using Zelle® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle® payments, see your account agreement. Neither Chase nor Zelle® offers reimbursement for authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle®. This reimbursement program is not required by law and may be modified or discontinued at any time.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Zero Liability Protection: Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Original Post

Written by
Edited April 3, 2025 at 10:48 AM by
Chase is offering new checking customers a $300 bonus when you open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment.

Details:
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere.
  • Chase Overdraft AssistSM – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
  • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
  • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
  • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

Monthly Service Fee:
  • $12 or $0 with one of the following, each monthly statement period:
    • Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
    • OR a balance at the beginning of each day of $1,500 or more in this 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.
Non-Chase ATM Fee: $3 fee per withdrawal at a non-Chase ATM in the U.S. and the U.S. territories. $5 fee per withdrawal at a non-Chase ATM outside of the U.S. and the U.S. territories. Surcharge Fees from the ATM owner/network still apply. U.S. territories include American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.

Slickdeals may be compensated by Chase

1 Service Fee: Chase Total Checking has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Have electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network; OR, Option #2: Keep a balance at the beginning of each day of $1,500 or more in your checking account; OR, Option #3: Keep 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. Otherwise a $12 Monthly Service Fee will apply.

Chase Savings℠ has no Monthly Service Fee when you do at least one of the following each statement period: Option #1: Keep a balance at the beginning of each day of $300 or more in your savings account; OR, Option #2: Have $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.com or Chase Mobile®); OR, Option #3: Have a Chase College Checking℠ account linked to this account for Overdraft Protection; OR, Option #4: Have an account owner who is an individual younger than 18; OR, Option #5: Have a linked Chase Premier Plus Checking℠, Chase Sapphire℠ Checking, or Chase Private Client Checking℠ account. Otherwise a $5 Monthly Service Fee will apply.

2New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that, the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Product terms subject to change. For more information, please see a banker or visit chase.com/checking or chase.com/savings.

Bonus/Account Information: Offer not available to existing Chase checking customers, or 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 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 bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposits totaling $500 or more made into the new checking 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 requirements, we'll deposit the bonus in your new account within 15 days. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Offer availability subject to change. Other Chase checking bonus offers may exist concurrently.

With Chase Overdraft Assist℠, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Chase Mobile® app is available for select mobile devices. Enroll in Chase Online℠ or on the Chase Mobile app. Deposits made through the Chase Mobile app are subject to deposit limits and funds are typically available by next business day. Deposit limits may change at any time. Other restrictions apply. See chase.com/QuickDeposit or the Chase Mobile app for eligible mobile devices, limitations, terms, conditions and details. Message and data rates may apply.

Chase Online Bill Pay: Must enroll in Chase Online℠ Banking and activate Online Bill Pay. Certain restrictions and limitations may apply.

Enrollment in Zelle® at a participating financial institution using an eligible U.S. checking or savings account is required to use the service. Chase customers may not enroll using savings accounts; an eligible Chase consumer or business checking account is required, and may have its own account fees. Consult your account agreement. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply.
Zelle® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle® nor Chase provide protection if you make a purchase of goods using Zelle® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle® payments, see your account agreement. Neither Chase nor Zelle® offers reimbursement for authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle®. This reimbursement program is not required by law and may be modified or discontinued at any time.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Zero Liability Protection: Special Provisions for Card Transactions (Zero Liability Protection): Chase will reimburse unauthorized debit card transactions when reported promptly. Certain limitations apply. See Deposit Account Agreement for details.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
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Created 01-12-2024 at 03:37 PM by LD7 | Staff
in Finance (3) Chase Consumer Bank
If you purchase something through a post on our site, Slickdeals may get a small share of the sale.
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+93
258,550 Views
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.

214 Comments

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Featured Comments

Yes the $300 was deposited 4 days after the direct deposit hit.
The slicker deal is combining it with opening a Chase savings for $900 total bonus.

Open a Chase Total Checking account and Chase Savings account using https://account.chase.com/consume...vingsoffer
Chase Total Checking: Get a $300 bonus when you set up direct deposits totaling at least $500.
Chase Savings: Get a $200 bonus when you deposit a total of $15,000 or more within 30 days of coupon enrollment and maintain the balance for 90 days.
Chase Total Checking + Chase Savings: Get an extra $400 bonus ($900 in total bonuses) when you open both at the same time and complete all qualifying activities.
Got my $300. But I think I'll be closing the account soon. I hate chase as a company
Thanks!

Does anyone here know if a ACH/Direct transfer from Fidelity/Cap1/Schwab would qualify for DD?

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Joined Jul 2013
L3: Novice
> bubble2 229 Posts
42 Reputation
bodega_bladerunner
04-19-2024 at 03:54 PM.
04-19-2024 at 03:54 PM.
Got my $300. But I think I'll be closing the account soon. I hate chase as a company
4
Reply
Joined Dec 2010
L8: Grand Teacher
> bubble2 3,436 Posts
861 Reputation
Fogmoose
04-19-2024 at 05:24 PM.
04-19-2024 at 05:24 PM.
Quote from FantasticPlastic581 :
They will not tell you those dates due to privacy but you can visit the branch.
Yes thats what I meant, not over the phone.
Reply
Joined Nov 2020
L1: Learner
> bubble2 10 Posts
59 Reputation
CoralCalculator2666
04-23-2024 at 05:30 AM.
04-23-2024 at 05:30 AM.
Quote from mcali786 :
Anyone try this yet?

Did it last time, if you don't deposit $500 per month, then there is a $12 monthly fee. Other than that I got my $300 credit.
Reply
Joined May 2012
L5: Journeyman
> bubble2 620 Posts
152 Reputation
Traveler-1701
04-24-2024 at 10:35 AM.
04-24-2024 at 10:35 AM.
Quote from saygodj2008 :
Yes the $300 was deposited 4 days after the direct deposit hit.
The slicker deal is combining it with opening a Chase savings for $900 total bonus.

Open a Chase Total Checking account and Chase Savings account using https://account.chase.com/consume...vingsoffer
Chase Total Checking: Get a $300 bonus when you set up direct deposits totaling at least $500.
Chase Savings: Get a $200 bonus when you deposit a total of $15,000 or more within 30 days of coupon enrollment and maintain the balance for 90 days.
Chase Total Checking + Chase Savings: Get an extra $400 bonus ($900 in total bonuses) when you open both at the same time and complete all qualifying activities.

I did this one. Be aware that Chase certainly takes their time rewarding the $200 and $400 part of this deal. My deadline came for them to pay and it was processing for at least two weeks. Quite different for the $300 bonus on checking, which was paid almost immediately after I hit the qualification day.
Reply
Joined Jul 2021
L2: Beginner
> bubble2 35 Posts
22 Reputation
FabulousMallard9632
04-24-2024 at 12:01 PM.
04-24-2024 at 12:01 PM.
multi problems when trying to open acc. Try to login to my chass cc acc, also some problems. Finally login, still got problems. No transaction records. some more clicks, it log me out. SIGN.
Reply
Joined May 2023
New User
> bubble2 2 Posts
10 Reputation
HonestLinen402
04-24-2024 at 04:38 PM.
04-24-2024 at 04:38 PM.
Quote from mcali786 :
Anyone try this yet?
I am fighting them to get my money from the last promo they offered
Reply
Joined Jul 2009
L5: Journeyman
> bubble2 919 Posts
262 Reputation
yugioh2
05-06-2024 at 11:28 AM.
05-06-2024 at 11:28 AM.
Quote from HonestLinen402 :
I am fighting them to get my money from the last promo they offered

Me too. I signed up directly from the link in the coupon email which has the coupon code embedded. Somehow the coupon didn't apply and customer service said coupon expired so they can't view the term. They also said they can't accept email so I can't even forward them the damn email so they can review it. I requested for escalation and the review team gave me a call from what appears to be a scam likely number. I've been trying to call back and they're never available.
F Chase
Reply

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Joined Sep 2013
New User
> bubble2 69 Posts
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xTyDiRiUmx
05-06-2024 at 12:05 PM.
05-06-2024 at 12:05 PM.
What is the length of time the account has to be kept open after receiving the $300 to ensure they don't try and take the bonus back? Does it have to stay open for at least 3 months? 6 months?

Trying to see how long until I can just close it and keep the $300 bonus
Reply
Joined Sep 2007
L5: Journeyman
> bubble2 821 Posts
191 Reputation
suray
05-06-2024 at 01:52 PM.
05-06-2024 at 01:52 PM.
Getting extra 600 for keeping 15k for 3 months works to approx 16%. But let's say we keep it for 4 months.. that still means 12%..which is really good. First need to arrange for the 15k that I don't need for 4 months before opening the account.
1
Reply
Joined Aug 2011
L100: Grand Master SD
> bubble2 3,589 Posts
467 Reputation
Juggernaut_510
05-06-2024 at 03:27 PM.
05-06-2024 at 03:27 PM.
What's up with Slickdeals lately? I've been seeing a lot of double front page posts. Is this a new promotion? Where you post it twice?
Reply
Joined Dec 2007
L6: Expert
> bubble2 1,707 Posts
1,239 Reputation
phewry
05-06-2024 at 03:42 PM.
05-06-2024 at 03:42 PM.
For capital one, Zelle counted as direct deposit.
Reply
Joined Dec 2011
L6: Expert
> bubble2 1,326 Posts
633 Reputation
czaplin
05-06-2024 at 07:08 PM.
05-06-2024 at 07:08 PM.
Sorry for being the one asking another question: Do I qualify for a bonus having Chase Business Complete Checking account and Premier Plus Checking account (both opened more that 10 years ago). I also would like Chase Business account to satisfy all requirements. Thanks!
Reply
Joined Oct 2013
L2: Beginner
> bubble2 72 Posts
22 Reputation
chinqlinq89
05-06-2024 at 08:02 PM.
05-06-2024 at 08:02 PM.
Quote from mcali786 :
Thanks!

Does anyone here know if a ACH/Direct transfer from Fidelity/Cap1/Schwab would qualify for DD?
All 3 of those are definite no's. If you have a business account you can typically get the DD to trigger if you ACH PUSH (initiate deposit from your existing business account), do not pull / request an ACH deposit from this new Chase account from your external bank. Almost every major institutios does not work anymore.

If you have a local/regional/obscure credit union or bank, you may be able to trigger the DD with an ACH deposit. People have been triggering it with $5 deposits or less, but keep it $5+ to be safe

Creating an Amazon sellers account & selling an item to yourself and then withdrawing into your Chase account is still working I believe.
1
Reply
Joined Nov 2018
New User
> bubble2 2 Posts
10 Reputation
zabukhdeir
05-06-2024 at 08:37 PM.
05-06-2024 at 08:37 PM.
Anyone know how I can get the direct deposit to work without having an employer? Are there other ways I can deposit the $500?
Reply

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Joined Jun 2006
Wow Amazing Slick Deal
> bubble2 1,411 Posts
71 Reputation
mcali786
05-07-2024 at 05:04 AM.
05-07-2024 at 05:04 AM.
Quote from chinqlinq89 :
All 3 of those are definite no's. If you have a business account you can typically get the DD to trigger if you ACH PUSH (initiate deposit from your existing business account), do not pull / request an ACH deposit from this new Chase account from your external bank. Almost every major institutios does not work anymore.

If you have a local/regional/obscure credit union or bank, you may be able to trigger the DD with an ACH deposit. People have been triggering it with $5 deposits or less, but keep it $5+ to be safe

Creating an Amazon sellers account & selling an item to yourself and then withdrawing into your Chase account is still working I believe.
Thank yuo so much for your detailed post. I actually did end up opening a CHASE business account about 3 weeks ago for the $400 bonus after keeping $2.5K and 5 debit activities.

but do you mind or know any instructions on the below?

Quote :
if you ACH PUSH (initiate deposit from your existing business account), do not pull / request an ACH deposit from this new Chase account
I will tinker around in my biz chase account to see if there's a way to do ach deposit like you mentioned.
Reply
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