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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
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+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

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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
07-18-2024 at 07:19 AM.
07-18-2024 at 07:19 AM.
Quote from huh28 :
Must be new customer?

Correct
Reply
Joined Jan 2018
L3: Novice
> bubble2 113 Posts
49 Reputation
BonnieP5390
07-28-2024 at 09:59 AM.
07-28-2024 at 09:59 AM.
I never got my money. Chase is very shady, including Prime Visa. If you don't pay your monthly balance before the due date, you get hit with up to 29.24% interest. The only way to avoid this is to pay in full a week before the due date.
2
Reply
Joined Mar 2012
I'm not cheap. I'm thrif
> bubble2 142 Posts
34 Reputation
hustle86
07-29-2024 at 01:28 AM.
07-29-2024 at 01:28 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.com]
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 late last year/ earlier this year. They did eventually pay all the bonuses, and then I closed both accounts a few days later. Do read the fine print and make sure you meet their requirements, but I did appreciate the $900 (minus what I lost by moving money out of an interest-bearing account that was around 5% at the time).
Reply
Joined Aug 2013
L6: Expert
> bubble2 1,089 Posts
107 Reputation
Byron33
07-29-2024 at 03:52 AM.
07-29-2024 at 03:52 AM.
How are you guys opening and closing accounts with the direct deposit requirement? Do you have multiple direct deposits or are you moving them around? This is all easy money but I only have one income and hesitant to keep changing banks.
Reply
Joined May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
07-29-2024 at 05:52 AM.
07-29-2024 at 05:52 AM.
Quote from hustle86 :
I did this one late last year/ earlier this year. They did eventually pay all the bonuses, and then I closed both accounts a few days later. Do read the fine print and make sure you meet their requirements, but I did appreciate the $900 (minus what I lost by moving money out of an interest-bearing account that was around 5% at the time).

How long did it take to get that savings account bonuses after the 90 days?
Reply
Joined Sep 2023
New User
> bubble2 1 Posts
10 Reputation
AdiBoy6
08-05-2024 at 06:49 PM.
08-05-2024 at 06:49 PM.
Does anyone know if this is offered for people on a Visa?
Reply
Joined Sep 2019
L3: Novice
> bubble2 172 Posts
12 Reputation
SirScot
08-06-2024 at 05:37 PM.
08-06-2024 at 05:37 PM.
Quote from bodega_bladerunner :
Got my $300. But I think I'll be closing the account soon. I hate chase as a company
Why is that? Currently have Ally but figured I needed a physical bank to bank at. I've only heard good things about Chase when it came to their app.
Reply

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Joined Jul 2013
L3: Novice
> bubble2 229 Posts
42 Reputation
bodega_bladerunner
08-09-2024 at 07:47 AM.
08-09-2024 at 07:47 AM.
Quote from SirScot :
Why is that? Currently have Ally but figured I needed a physical bank to bank at. I've only heard good things about Chase when it came to their app.

Follow-up…I actually kept my account. Chase has improved my experience with them compared to many years ago. I was pleasantly surprised. And yes, their app (and website) is very good and easy to navigate.
I'm in the same boat as you…Ally + chase = good combo. Even better if you have the chase credit card to get points and discounts on purchases
Reply
Last edited by bodega_bladerunner August 10, 2024 at 06:01 AM.
Joined Oct 2006
L5: Journeyman
> bubble2 760 Posts
165 Reputation
Pickngrin
08-12-2024 at 12:24 PM.
08-12-2024 at 12:24 PM.
My $500 direct deposit was received on 7/26 and the $300 bonus has not appeared yet It seems like many people have been receiving theirs well before the 15 day designated period. Anyone else waiting?
Reply
Joined Oct 2006
L5: Journeyman
> bubble2 760 Posts
165 Reputation
Pickngrin
08-16-2024 at 01:45 PM.
08-16-2024 at 01:45 PM.
Quote from Pickngrin :
My $500 direct deposit was received on 7/26 and the $300 bonus has not appeared yet It seems like many people have been receiving theirs well before the 15 day designated period. Anyone else waiting?

I just got off the phone with Chase. I had called to inquire as to why my bonus has not been deposited. The rep told me that payroll direct deposit made on 7/26 does not show as a payroll transaction. It is definitely payroll, and for a rather large organization. I will try one of these workarounds.
Reply
Joined Jun 2020
L2: Beginner
> bubble2 27 Posts
10 Reputation
Lemonss
08-18-2024 at 09:46 AM.
08-18-2024 at 09:46 AM.
Does this offer still work if I already have a credit card with them but never opened a checking or savings account? Am I still eligible for the $900?
Reply
Joined Mar 2007
L6: Expert
> bubble2 1,718 Posts
189 Reputation
kevin347
08-18-2024 at 09:59 AM.
08-18-2024 at 09:59 AM.
How long I have to keep these accounts open ? I got the 900$ offer for opening both checking/savings account back in March should I be good to close then now ? In the past there used to be a clause saying have to keep accounts open for 6 month or something like that..
Reply
Joined Mar 2007
L6: Expert
> bubble2 1,718 Posts
189 Reputation
kevin347
08-18-2024 at 11:02 AM.
08-18-2024 at 11:02 AM.
Quote from Lemonss :
Does this offer still work if I already have a credit card with them but never opened a checking or savings account? Am I still eligible for the $900?
Yes it has nothing to do with credit card.
Reply
Joined Oct 2006
L5: Journeyman
> bubble2 760 Posts
165 Reputation
Pickngrin
08-27-2024 at 07:53 AM.
08-27-2024 at 07:53 AM.
I sent a secure message to Chase asking them to get to the bottom of my not getting the bonus even though I had a legitimate $500 direct deposit from my employer. They responded in a timely manner, and I now see that my bonus was deposited.
Reply

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Joined May 2022
L99: Jack of All Trades
> bubble2 1,029 Posts
133 Reputation
Venom213
08-27-2024 at 08:42 AM.
08-27-2024 at 08:42 AM.
Quote from Pickngrin :
I sent a secure message to Chase asking them to get to the bottom of my not getting the bonus even though I had a legitimate $500 direct deposit from my employer. They responded in a timely manner, and I now see that my bonus was deposited.

How long until you got it
Reply
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