Offer value details
Chase lists a $400 bonus for new Chase Total Checking customers who open with the offer code and complete qualifying direct deposit activity.
Qualification requirements
Open a new Chase Total Checking account by October 14, 2026 with the offer code, then have direct deposits totaling $1,000 or more made into the new account within 90 days of offer enrollment.
Fees and costs
The $15 monthly service fee is waived each statement period with $500 or more in qualifying electronic deposits, a $1,500 beginning-of-day balance every day, a $5,000 average beginning-day balance across eligible linked deposits/investments, or a linked qualifying checking account. The electronic-deposit definition for fee waivers is broader than the direct-deposit definition for this bonus. Other service fees may apply.
Availability
The bonus excludes existing Chase checking customers, customers whose checking accounts closed within 90 days, and accounts closed with a negative balance within three years. Only one new checking opening bonus is allowed every two years from the last offer enrollment date and one bonus per account. Opening is subject to approval.
What to verify
- Direct deposit must meet Chase's qualifying definition.
- Fees can reduce the value if waiver requirements are not met.
- The bonus is treated as interest and may be tax reported.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.