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

+93 Deal Score
258,733 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.
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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
258,733 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 May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
07-09-2024 at 01:37 PM.
07-09-2024 at 01:37 PM.
Quote from Patmymonkey :
I used the $900 dollar offer and they deposited the money within days of completing the requirements

Did you have to keep the 15k the whole time
Reply
Joined May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
07-09-2024 at 01:38 PM.
07-09-2024 at 01:38 PM.
Quote from artrickwo :
I got $900 last year for opening new checking and savings accounts, met the terms, then closed both.

Did you have to keep the 15k there the whole time? I thought I read once that you could transfer it in last day and it'd work
Reply
Joined Dec 2015
L3: Novice
> bubble2 278 Posts
71 Reputation
artrickwo
07-09-2024 at 07:00 PM.
07-09-2024 at 07:00 PM.
Quote from Venom213 :
Did you have to keep the 15k there the whole time? I thought I read once that you could transfer it in last day and it'd work
I did keep it there the entire time, I can't recall if there was something specific I read in the terms that led me to do that, or it was just to be sure that they couldn't find a reason to not give me the bonus (CYA). I didn't earn the interest I would have at another bank, but the bonuses more than made up for that.
Reply
Joined Nov 2017
L7: Teacher
> bubble2 2,085 Posts
198 Reputation
twiggy_alien_man
07-15-2024 at 09:49 AM.
07-15-2024 at 09:49 AM.
Already have a chase savings and checking account.

Can I open a new checking account, and get this bonus?

Would ideally have a separate account from my main account, to link to new apartment that will withdraw money.
Reply
Joined Mar 2009
L10: Grand Master
> bubble2 6,574 Posts
6,797 Reputation
freebies4me2
07-15-2024 at 09:51 AM.
07-15-2024 at 09:51 AM.
Quote from twiggy_alien_man :
Already have a chase savings and checking account.

Can I open a new checking account, and get this bonus?

Would ideally have a separate account from my main account, to link to new apartment that will withdraw money.
I don't think so. You would need to close the accounts and wait 6 months at least to reopen and get the bonus if you haven't got a bonus within 2 years.
Reply
Joined Nov 2008
L5: Journeyman
> bubble2 563 Posts
pej7445
07-15-2024 at 12:27 PM.
07-15-2024 at 12:27 PM.
Crazy how these banks keep giving me free money... I just closed 2 accounts with Wells Fargo after collecting the bonuses. Thank you Thank you! Smilie Smilie
Reply
Joined Jan 2015
peeing outdoors
> bubble2 1,889 Posts
939 Reputation
khronos
07-15-2024 at 12:48 PM.
07-15-2024 at 12:48 PM.
Quote from pej7445 :
Crazy how these banks keep giving me free money... I just closed 2 accounts with Wells Fargo after collecting the bonuses. Thank you Thank you! Smilie Smilie

I keep records of when I opened and closed accounts
Reply

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Joined May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
07-15-2024 at 01:05 PM.
07-15-2024 at 01:05 PM.
Quote from khronos :
I keep records of when I opened and closed accounts

Ugh that's one of the best advice you could give new folks. I'm having to call all banks before applying again when it comes around to a new bonus from them because there's rules to how soon you can open again.
Reply
Joined Aug 2019
L3: Novice
> bubble2 101 Posts
65 Reputation
aeron-plz
07-15-2024 at 01:45 PM.
07-15-2024 at 01:45 PM.
Already have a joint checking account. Will opening my own qualify for this bonus?
Reply
Joined May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
07-15-2024 at 06:03 PM.
07-15-2024 at 06:03 PM.
Quote from aeron-plz :
Already have a joint checking account. Will opening my own qualify for this bonus?

Probably not
Reply
Joined Feb 2008
L5: Journeyman
> bubble2 649 Posts
117 Reputation
matrixman
07-17-2024 at 01:08 PM.
07-17-2024 at 01:08 PM.
Total scam. Received email for bonus. From that email I opened an account. The email clearly states 'Coupon code applied when you choose "Open an account"" I did the direct deposit. Waited. Nothing. I called them. Somebody from India who can barely speak English. Contacted Chase again. they said I didnt apply the code. THERE WAS NO CODE. I checked the website again. One option clearly says "$300 Checking coupon code applied when you choose "Open an account""

I am closing the checking account and one Chase credit card. That will leave me with one Chase credit card. Closing that would affect my FICO score.
Reply
Joined May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
07-17-2024 at 01:25 PM.
07-17-2024 at 01:25 PM.
Quote from matrixman :
Total scam. Received email for bonus. From that email I opened an account. The email clearly states 'Coupon code applied when you choose "Open an account"" I did the direct deposit. Waited. Nothing. I called them. Somebody from India who can barely speak English. Contacted Chase again. they said I didnt apply the code. THERE WAS NO CODE. I checked the website again. One option clearly says "$300 Checking coupon code applied when you choose "Open an account""

I am closing the checking account and one Chase credit card. That will leave me with one Chase credit card. Closing that would affect my FICO score.

Not a big deal just contact CFBB and file a claim
Reply
Joined Feb 2008
L5: Journeyman
> bubble2 649 Posts
117 Reputation
matrixman
07-17-2024 at 02:18 PM.
07-17-2024 at 02:18 PM.
Quote from Venom213 :
Not a big deal just contact CFBB and file a claim
CFPB does little to nothing. Last time I complained they just deferred to the company to respond.
Reply
Joined Oct 2015
L2: Beginner
> bubble2 68 Posts
14 Reputation
huh28
07-17-2024 at 09:56 PM.
07-17-2024 at 09:56 PM.
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.

Must be new customer?
Reply

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Joined Nov 2017
L7: Teacher
> bubble2 2,085 Posts
198 Reputation
twiggy_alien_man
07-17-2024 at 10:44 PM.
07-17-2024 at 10:44 PM.
Quote from pej7445 :
Crazy how these banks keep giving me free money... I just closed 2 accounts with Wells Fargo after collecting the bonuses. Thank you Thank you! Smilie Smilie
Obviously this deal is posted on SD. But anywhere to find all the banks that give away x dollars when opening an account? I assume need wallet, but that is a wild guess.
Reply
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