Chase Bank Promotions

Earn $200 or more by opening a new Chase bank account

By Lindsay VanSomeren
Updated July 19, 2023
Fact checked by
Hans Daniel Jasperson
Hans Daniel Jasperson
Fact checked by Hans Daniel Jasperson
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Chase Bank is the largest bank in the country, with over 4,800 locations nationwide. That’s why a lot of people prefer banking with Chase—no matter where you go, there’s a good chance there’s a branch location nearby. 

Chase has a reputation as being a very fee-heavy bank, and that’s true. But if you’re careful, there are plenty of ways to come out ahead with one of the many generous Chase Bank promotions.

Chase Bank Promotions: July 2023

Chase : Total Checking – $200

Chase bank logo

Courtesy of JP Morgan Bank
  • Bonus Amount: $200
  • Promotion Expiry: October 18, 2023
  • Qualifications: Direct deposit
How to Get the Bonus
  1. Open a new checking account with the coupon code. You can do this online via the promotion offer page to make sure the correct coupon code is applied to your application. Alternatively, you can enter your email address to receive a coupon you can bring with you to a Chase branch if you want to open an account in person. 
  2. Set up direct deposit. You’ll have 90 days to set up a direct deposit into your account in order to receive the bonus. Direct deposits could include paychecks from your employer or government benefits, but they don’t include transfers between other people or bank accounts.
  3. Wait for the bonus. After you set up direct deposit, Chase will deposit the bonus to your new checking account within 15 days. 
Bonus Restrictions and Account Fees
  • Not available if you currently have a Chase checking account
  • Not available if you previously had a Chase checking account but closed it within the last 90 days, or closed it within the last three years while you had a negative account balance
  • Not available if you already earned another checking account bonus from Chase within the past two years
  • Chase Total Checking comes with a $12 monthly fee, but you can have it waived if you meet one of three requirements each month: have $500 or more in electronic deposits, a $1,500 balance at the start of each day, or an average daily balance of $5,000 across all of your linked Chase checking and savings accounts, if you have others.
  • Chase Bank charges ATM fees if you use a non-Chase machine ($3–$5) and overdraft fees ($34, up to three times per day) for certain transactions.
  • Chase Total Checking also comes with a variety of other fees, such as for stop payment orders ($30), money orders ($5), domestic wire transfers (up to $35), and many more.

Chase : Secure Banking – $100

Chase bank logo

Courtesy of JP Morgan Bank
  • Bonus Amount: $100
  • Promotion Expiry: October 18, 2023
  • Qualifications: Transactions
How to Get the Bonus 
  1. Open a new Chase Secure Checking account. You can open the account online or in person. If you’re opening the account in person, you’ll need to enter your email address on the offer page in order to get a code you can bring to the bank to ensure you get the bonus offer.
  2. Complete at least 10 transactions within two months. Transactions that count include swiping your debit card, ACH transfers into your account, paying bills online, using Zelle, etc. You have 60 days to complete these transactions in order to earn the bonus.
  3. Wait 15 days for the bonus. Once you’ve finished making 10 eligible transactions, Chase bank will deposit the bonus into your account within 15 days. 
Bonus Restrictions and Account Fees
  • You’re not eligible for this offer if you currently have a Chase checking account, if you’ve had one within the past 90 days and closed it, or if you’ve had one within the past three years and closed it with a negative balance. 
  • You can’t use paper checks with this account, only a debit card. 
  • You can’t send or receive wire transfers or get a safe deposit box at a local branch with this account. 
  • This account comes with a $4.95 monthly fee, with no option to waive it.
  • You won’t be charged any overdraft fees with this account—instead, any charges you try to make that would overdraw your account will be declined right at the cash register. 
  • This account is designed as a “second-chance account” for people who aren’t able to qualify for better checking accounts with fewer fees and more features. 

You can use second-chance checking accounts much like how you use a secured credit card to build better credit. After a time with this account, you may be able to qualify for a better checking account elsewhere. 

Chase : Business Complete Checking – $500

Chase bank logo

Courtesy of JP Morgan Bank
  • Bonus Amount: $300–$500
  • Promotion Expiry: August 3, 2023
  • Qualifications: Deposit, transactions
How to Get the Bonus
  1. Open a new Chase Business Complete Checking account. Chase offers the option of opening an account online or at a local branch. 
  2. Maintain a balance of $2,000 for a $300 bonus, or $15,000 for a $500 bonus. in your account for 60 days. You’ll need to fund your new account with “new” money—i.e., money that came from somewhere other than another Chase bank account—within 30 days of offer enrollment, and you'll need to keep that balance for 60 days.
  3. Make at least five qualifying transactions. This could include making a purchase with your debit card, using online bill pay, etc. 
  4. Wait 15 days for your bonus. Once you achieve all of the deposit and transaction requirements, Chase Bank will deposit the bonus amount into your checking account within 15 days. 
Bonus Restrictions and Account Fees
  • You’re not eligible for this offer if you’ve received another Chase business checking account offer within the past two years, if you currently have another Chase business checking account, if you’ve closed a prior Chase business checking account within the past 90 days, or if you’ve closed a prior Chase business checking account while you had a negative balance within the past three years. 
  • The Chase Business Complete Checking account charges a $15 monthly fee unless you meet one of five requirements each month: have a linked Chase Private Client Checking account; meet Chase Bank’s military banking requirements; use Chase payment solutions to process at least $2,000 of sales into your account; have $2,000 in your account at the end of each business day; or spend at least $2,000 with a Chase Ink business credit card, like the Chase Ink Business Preferred.

Chase : College Checking – $100

Chase bank logo

Courtesy of JP Morgan Bank
  • Bonus Amount: $100
  • Promotion Expiry: October 18, 2023
  • Qualifications: Transactions
How to Get the Bonus
  1. Open a new Chase College Checking account. Opening the account online is probably easiest. You can also enter your email address to get a coupon emailed to you that you can bring to a local branch if you’ll be opening the account in person. 
  2. Make at least 10 qualifying transactions within 60 days. You can qualify with a wide range of transaction types, including ACH transfers, debit card purchases, Zelle transfers, etc. But, you only have 60 days to do them. 
  3. Receive your bonus. Once you meet the requirements, Chase will deposit the bonus into your account within 15 days of when you qualify. 
Bonus Restrictions and Account Fees
  • Only available for college students between the ages of 17 and 24.
  • You’re not eligible if you already have another Chase checking account, or if you previously had a Chase checking account but you closed it within the past 90 days (or within the past three years if you closed it with a negative balance).
  • You’re also not eligible if you’ve received any other Chase checking account bonus within the last two years. 
  • When you sign up, you’ll need to provide proof of enrollment, such as a bill statement or student ID. You’ll also need to provide your expected graduation date, which can be up to five years in the future. 
  • There are no monthly fees while you’re in college. But once you either turn 24 or reach the expected graduation date you stated when you opened the account, you’ll start owing a $6 monthly fee unless you meet one of two requirements each month: have some sort of electronic deposit into your account or keep a $5,000 average balance in your account.

Chase : Private Client Checking – $3, 000

Chase bank logo

Courtesy of JP Morgan Bank
  • Bonus Amount: $1,000, $2,000, or $3,000
  • Promotion Expiry: October 18, 2023
  • Qualifications: Banker meeting, deposit
How to Get the Bonus
  1. Meet with a banker in person. You won’t have the option of opening an account online to earn this bonus. You’ll need to enter your email address on the offer page to get a code, and then head to a local branch in order to set up your account in person with a Private Client Banker. Alternatively, if you already have another Chase checking account, you can upgrade to the Private Client Checking account at this time.
  2. Deposit $150,000–$500,000+ into your Chase accounts. This doesn’t have to all be in your new Private Client Checking account; you can sprinkle it among other account types too, including investment accounts. You’ll need to transfer the money over within 45 days of opening the account, and keep it there for at least 90 days in order to be eligible for the bonus.
  3. Wait up to 40 days for the bonus. Once you meet the deposit and time requirements, Chase Bank will deposit the bonus into your new checking account within 40 days; a bigger deposit will result in a bigger bonus.
Bonus Restrictions and Account Fees
  • You’re not eligible for this bonus if you’ve earned another Chase Private Client Checking account bonus in the last year.
  • This account comes with a $35 monthly fee unless you meet one of two waiver conditions each month: keep at least $150,000 combined across this and certain other Chase checking and savings accounts, or link a Chase Platinum Business Checking account with this one.
  • The $250,000 deposit must come from somewhere other than another Chase account; you can’t transfer it over from your business partner’s Chase account, for example.

Compare Chase Bank Promotions

Account Bonus Amount  Promotion Expiry  Qualifications 
Chase Total Checking $200 October 18, 2023 Direct deposit 
Chase Secure Banking  $100  October 18, 2023 Transactions 
Chase Business Complete Checking  $300  August 3, 2023 Deposit, transactions 
Chase College Checking $100  October 18, 2023 Transactions 
Chase Private Client Checking $1,000, $2,000, or $3,000 October 18, 2023 Banker meeting, deposit 

Are Chase Bank Promotions a Good Deal?

Yes, Chase Bank promotions are often very good. However, the actual Chase bank accounts you’ll be signing up for may not be worth keeping for very long. They offer very low rates and come with high fees, so we suggest looking elsewhere for your long-term banking needs. Overdraft fees could wipe out the bonus you’ll earn for the Chase College Checking account in just one day, for example. 

Are Chase Bank Promotions Taxed?

Yes, Chase Bank promotions are considered taxable income. At the end of the year, Chase Bank will send you an IRS Form 1099-INT so you can report the bonus you earned and pay your taxes on it. It’s a good idea to hold some money from your bonus back to pay the taxes.

How Do You Find Chase Bank Promotions?

Chase Bank promotions are not very well advertised on its website. In order to find them, we suggest following the links provided in this article. Each page offers an option to sign up, and we suggest using that specific link in order to ensure you’re receiving the correct Chase Bank promotion offer. 

Can You Use Multiple Chase Bank Promotions?

Yes, but you’ll need to be careful about it. Most Chase Bank promotions are limited to people who don’t already have the same type of account open. For example, if you’re applying for the Chase Total Checking bonus, you won’t be eligible if you have any other Chase checking accounts open—but if all you have is a Chase savings account, for example, you’re still eligible for the bonus.  

Overhead view of young woman managing online banking

Evgeniia Siiankovskaia / Getty Images
Article Sources
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  1. Federal Reserve. "Large Commercial Banks." 

  2. Chase. "A Guide to Your Account."

  3. Chase Bank. "Deposit Account Agreement." 

  4. Internal Revenue Service. "Topic No. 403 Interest Received."

  5. Chase Bank. "Chase Total Checking."