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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.
Add Comment
Created 01-12-2024 at 03:37 PM by LD7 | Staff
in Finance (3) Chase Consumer Bank
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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 Oct 2013
L2: Beginner
> bubble2 72 Posts
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chinqlinq89
05-11-2024 at 02:53 PM.
05-11-2024 at 02:53 PM.
Quote from Vice_Monkey :
Pretty sure fidelity will work for chase.
Have you tried it in the last 3 months or so? If it does I apologize. Was just relaying information from multiple people reporting Fidelity & Schwab accounts are not coding as DD by Chase anymore, used to but changed sometime this year.

Saw someone mention Fidelity Bloom specifically worked for them.
Reply
Joined Sep 2010
L5: Journeyman
> bubble2 800 Posts
416 Reputation
Flawless700
05-11-2024 at 06:25 PM.
05-11-2024 at 06:25 PM.
Do not try to use one time ACH transfers to qualify for this.

Just do the little work it takes to switch your DD for a pay period
Reply
Joined Nov 2016
L2: Beginner
> bubble2 48 Posts
10 Reputation
dylanduong123
05-22-2024 at 08:41 PM.
05-22-2024 at 08:41 PM.
Bad credit or deduct point if you close it after receiving a $300?
Reply
Joined Jan 2018
L3: Novice
> bubble2 101 Posts
63 Reputation
Dinesh-D
06-11-2024 at 10:59 AM.
06-11-2024 at 10:59 AM.
I opened checking only 2 months back and got 300$ bonus. Can I open saving now to get the rest of the bonus?
Reply
Joined Dec 2008
L4: Apprentice
> bubble2 327 Posts
67 Reputation
RacerxxLP
06-12-2024 at 10:24 AM.
06-12-2024 at 10:24 AM.
It's only $500 direct deposit to avoid monthly fees in checking, not to qualify.

Quote from LD7 :
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
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ – 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*
Slickdeals may be compensated by Chase
1
Reply
Joined Apr 2013
L4: Apprentice
> bubble2 421 Posts
31 Reputation
ZoS6660
06-12-2024 at 02:53 PM.
06-12-2024 at 02:53 PM.
Is there any disadvantage if I open the account, deposit the money, withdraw all the money after getting the 300, and closing the account?
Reply
Joined Aug 2004
L7: Teacher
> bubble2 2,412 Posts
407 Reputation
cacadiablo
06-12-2024 at 02:54 PM.
06-12-2024 at 02:54 PM.
Chase sucks ass. Hear me now, believe me later. Almost Well Fargo level bad. Getting worse all the time, so I think they might catch them soon as the worst.
Reply

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Joined Dec 2008
L1: Learner FOREVER
> bubble2 814 Posts
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jlmooman3
06-12-2024 at 08:10 PM.
06-12-2024 at 08:10 PM.
Only slightly better than some short term CDs (5%) but with a lot more hoops. Not worth it.
2
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Joined Sep 2020
Lieutenant
> bubble2 298 Posts
18 Reputation
037_Mia
06-12-2024 at 09:04 PM.
06-12-2024 at 09:04 PM.
I'm an eBayer seller. Does the weekly deposits count as DD ?
Reply
Joined Jul 2012
L5: Journeyman
> bubble2 1,768 Posts
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Tigga573
06-13-2024 at 03:15 AM.
06-13-2024 at 03:15 AM.
Quote from jlmooman3 :
Only slightly better than some short term CDs (5%) but with a lot more hoops. Not worth it.
Slightly?.. 5% interest on $15k over 3 months is $188. I'll gladly spend 1/2 hour to sign up and move some money around a couple of times for $712.
Reply
Joined Apr 2021
L2: Beginner
> bubble2 29 Posts
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KuttyPie
06-13-2024 at 04:42 AM.
06-13-2024 at 04:42 AM.
FYI, you need to pay taxes on the bonus based on your income
Reply
Joined Nov 2019
VIP Member
> bubble2 14,564 Posts
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Lilyly
06-13-2024 at 05:10 AM.
06-13-2024 at 05:10 AM.
Quote from Tigga573 :
Slightly?.. 5% interest on $15k over 3 months is $188. I'll gladly spend 1/2 hour to sign up and move some money around a couple of times for $712.
how do you move your money around? close this chase account then they send you a check to deposit to next bank?
Reply
Joined Jul 2012
L5: Journeyman
> bubble2 1,768 Posts
291 Reputation
Tigga573
06-13-2024 at 08:55 AM.
06-13-2024 at 08:55 AM.
Quote from Lilyly :
how do you move your money around? close this chase account then they send you a check to deposit to next bank?
  • Transfer money from my main account with another bank into Chase within 30 days. Make sure to give at least a few days wiggle room and don't wait until day 29 to be safe.
  • Let it sit until 90 days after account opening.
  • From my main account, initiate a transfer from the Chase account back to my main account (doing it from your main account initiates a "pull" instead of a "push" request and helps avoid any daily transfer limits/etc from Chase).
  • Make sure to close the Chase account shortly after the transfer to avoid any monthly fees/etc.
  • Profit.

I think in most cases you could just close the account afterward and wait for a check too, but I'd rather do it electronically where it's faster and I can verify everything before closing the account.
Reply
Last edited by Tigga573 June 13, 2024 at 09:09 AM.
Joined Dec 2015
Corp. Crap Consumer
> bubble2 179 Posts
26 Reputation
genesisformula
06-14-2024 at 10:16 AM.
06-14-2024 at 10:16 AM.
dang, I closed my last personal account in Sept 2022. I would love to do this. Chase bonuses have been reliable for me.
Reply

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Joined Apr 2017
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DonnieY
06-18-2024 at 07:01 AM.
06-18-2024 at 07:01 AM.
First, I did sign up for checking and savings with $600 bonus. after finding out about the $900, I called chase to see if they can change the coupon to $900 one. As long as your account was recently opened, you can update the coupon code. Thankfully, I'm getting the $900
1
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