Slickdeals is community-supported.  We may get paid by brands for deals, including promoted items.
Frontpage Advertiser Disclosure

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

+93 Deal Score
258,598 Views
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.
Add Comment
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.
Deal
Score
+93
258,598 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

Your comment cannot be blank.

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?

Sign up for a Slickdeals account to remove this ad.

Joined Sep 2017
L6: Expert
> bubble2 1,072 Posts
128 Reputation
Vice_Monkey
05-07-2024 at 06:54 AM.
05-07-2024 at 06:54 AM.
Can someone please say an easy sign up institution where we can do an ACH that will 100% be a DD? Can't believe there's 4 pages without such info.
Reply
Joined Dec 2008
L4: Apprentice
> bubble2 327 Posts
67 Reputation
RacerxxLP
05-07-2024 at 10:48 AM.
05-07-2024 at 10:48 AM.
Hard pull on this?
Reply
Joined Oct 2013
L2: Beginner
> bubble2 72 Posts
22 Reputation
chinqlinq89
05-07-2024 at 02:17 PM.
05-07-2024 at 02:17 PM.
Quote from mcali786 :
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?



I will tinker around in my biz chase account to see if there's a way to do ach deposit like you mentioned.
Should be something on your dashboard menus saying "Transfer money" or "ACH/Wire money" and then find something like "Add external account / recipient" where you enter your new Chase account's information.
1
Reply
Joined Oct 2013
L2: Beginner
> bubble2 72 Posts
22 Reputation
chinqlinq89
05-07-2024 at 02:18 PM.
05-07-2024 at 02:18 PM.
Quote from RacerxxLP :
Hard pull on this?
Soft pull
Reply
Joined Oct 2013
L2: Beginner
> bubble2 72 Posts
22 Reputation
chinqlinq89
05-07-2024 at 02:28 PM.
05-07-2024 at 02:28 PM.
Quote from Vice_Monkey :
Can someone please say an easy sign up institution where we can do an ACH that will 100% be a DD? Can't believe there's 4 pages without such info.
Nothing is 100% as Chase and other institutions actively update their systems to not accept deposits as DDs from more and more places.

Many business banking accounts can still trigger DDs, I don't have experience sending Business > Personal checkings between the same banks but you can try.
Reply
Joined Nov 2009
L2: Beginner
> bubble2 35 Posts
14 Reputation
logangm
05-07-2024 at 03:08 PM.
05-07-2024 at 03:08 PM.
I signed up with the $900 checking/savings coupon to start a joint account with my wife. She is depositing money from her other Chase account to bring up our savings total to 15k. Im worried that money won't qualify, as it's not "new" money to Chase which the fine print said it needed to be. Should I have her transfer it out to her other bank and back into our account? Or is that an unnecessary step?

Also my initial deposit was into checking, and then I transferred it into savings, I was wondering if they're going to try and disqualify that money as well because they'll see it as coming from the attached checking account?

I've never had a Chase account before this so I'm not sure how pedantic they can be. Thanks to anyone with any advice.
Reply
Joined Jun 2006
Wow Amazing Slick Deal
> bubble2 1,411 Posts
71 Reputation
mcali786
05-07-2024 at 03:18 PM.
05-07-2024 at 03:18 PM.
Quote from chinqlinq89 :
Should be something on your dashboard menus saying "Transfer money" or "ACH/Wire money" and then find something like "Add external account / recipient" where you enter your new Chase account's information.
Amazing! THANK YOU so much. I will let you know what it coded.
Reply

Sign up for a Slickdeals account to remove this ad.

Joined Dec 2008
L4: Apprentice
> bubble2 327 Posts
67 Reputation
RacerxxLP
05-07-2024 at 03:50 PM.
05-07-2024 at 03:50 PM.
The site must be getting hammered? Just spins then says 'It's not working right now." Tried two different browsers....
Reply
Joined Oct 2023
L2: Beginner
> bubble2 40 Posts
14 Reputation
EagerStraw668
05-07-2024 at 07:36 PM.
05-07-2024 at 07:36 PM.
Anyone know if the combined checking+savings bonus can be combined with a referral bonus too?
Reply
Last edited by EagerStraw668 May 7, 2024 at 07:38 PM.
Joined Apr 2018
L2: Beginner
> bubble2 39 Posts
14 Reputation
yardmin
05-08-2024 at 08:41 AM.
05-08-2024 at 08:41 AM.
Quote from Traveler-1701 :
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.

Same, got the 300 DD bonus pretty quick after paycheck, savings bonus took 90 days plus couple weeks, add a few days to deposit and withdraw just to be safe and it's about 4 months of 15k locked in, not sure if it's worth the hassle.
Reply
Joined May 2012
L5: Journeyman
> bubble2 620 Posts
152 Reputation
Traveler-1701
05-08-2024 at 10:03 AM.
05-08-2024 at 10:03 AM.
Quote from yardmin :
Same, got the 300 DD bonus pretty quick after paycheck, savings bonus took 90 days plus couple weeks, add a few days to deposit and withdraw just to be safe and it's about 4 months of 15k locked in, not sure if it's worth the hassle.

Another really annoying thing is you can't add beneficiaries to the accounts you create online. You have to go to a physical Chase location to add beneficiaries, which is absolutely frustrating. With $15k sitting in an account for 3-4 months I definitely wanted beneficiaries on the accounts. Chase seems a decade behind as other financial institutions I've worked with can all perform this function online.
Reply
Joined May 2015
L1: Learner
> bubble2 12 Posts
48 Reputation
PriyoRussel
05-08-2024 at 09:22 PM.
05-08-2024 at 09:22 PM.
They need one single deposit of $500 or split deposits is ok within 90 days . I got around $150 weekly on my paycheck.. Thanks
Reply
Joined Sep 2017
L6: Expert
> bubble2 1,072 Posts
128 Reputation
Vice_Monkey
05-10-2024 at 08:08 PM.
05-10-2024 at 08:08 PM.
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.
Pretty sure fidelity will work for chase.
Reply

This comment has been rated as unhelpful by Slickdeals users

Show Comment

Sign up for a Slickdeals account to remove this ad.

Joined Oct 2008
L10: Grand Master
> bubble2 8,196 Posts
604 Reputation
DontTaxBeer
05-10-2024 at 08:28 PM.
05-10-2024 at 08:28 PM.
Quote from FeistyPiranha7011 :
How the fark can you be bitchy and get burned from free money? SDers really are something else
ummm...because they never paid out? duh.
1
Reply
Page 5 of 15
Start the Conversation
 
Link Copied

The link has been copied to the clipboard.