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Tiered business checking account opening bonusChase Business Complete Checking®
Chase determines account eligibility, approval, and bonus qualification. Terms may change. Verify the latest terms on the official website before applying.
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What would this bonus be worth to you?
Start with the largest advertised cash tier, then adjust it to the tier you can actually earn. Fees below are illustrative until you confirm your product and waiver.
$500.00 bonus − $45.00 fees − $0.00 forgone interest
Changing the waiver can change the winner. Compare the same assumptions across offers.
Assumptions and calculation
Net value = cash bonus − monthly fee × charged months − estimated forgone interest. Forgone interest = tied-up balance × ((1 + alternative APY / 100)^(days / 365) − 1). This assumes the tied-up balance earns no interest; use 0% to exclude opportunity cost. A direct-deposit threshold is not automatically a required held balance. Enter only the balance you actually cannot use elsewhere.
Fee waivers are an assumption, not a qualification check. Excludes taxes, incidental fees, interest earned in the new account, approval risk, and your time. Inputs stay in this page; only clicking Copy writes the scenario to your clipboard. This is a scenario estimate, not APY or a guaranteed return.
Your before-you-apply checklist
1. Check your account history
Account opening is subject to approval. The offer is for new Chase business checking customers. Only one business checking offer is available per signer every two years from the last offer enrollment. The account must remain open and unrestricted when the bonus is paid. Dates in the Capital Efficiency module are estimates based on the stated example opening date, not guaranteed payment dates.
2. Enroll through the promotion
Recorded enrollment deadline: January 21, 2027. Save the offer terms and any required coupon before applying.
3. Plan the qualifying activity
Open a new qualifying account, deposit the tier's required new money within 30 days of enrollment, maintain that balance for 60 days from enrollment, and complete five qualifying transactions within 90 days.
4. Confirm what counts
Not required as a standalone condition. ACH credits can count among the five qualifying transactions; ACH debits and person-to-person payments such as Zelle are excluded.
5. Choose an ongoing fee waiver
$15. Chase lists qualifying activity that can reduce the monthly service fee to $0, including maintaining the stated qualifying balance where applicable. Verify the current account terms.
6. Track payment and account status
Within 15 days after all requirements are completed. The account must remain open and unrestricted when Chase pays the bonus.
This checklist uses the offer record last checked October 30, 2026; the bank determines qualification. Save your bank confirmation and transaction records.
Compare the reward with the capital required
The $400 tier pays less in absolute dollars but produces a substantially higher return on required capital.
| Metric | $400 Tier | $500 Tier |
|---|---|---|
| Bonus amount | $400 | $500 |
| Required capital | $2,000 | $10,000 |
| Capital holding period | Through Day 60 from enrollment | Through Day 60 from enrollment |
| Effective return on required capital | 20.00% | 5.00% |
| Estimated completion date | Jan 28, 2027 | Jan 28, 2027 |
| Estimated bonus payout date | Feb 12, 2027 | Feb 12, 2027 |
Estimate assumptions: Example account opening and enrollment on Oct 30, 2026; required new money deposited within 60 days; required balance maintained through Day 60 from enrollment; five qualifying transactions completed by Day 90; bonus paid within 15 days after completion.
What this metric means: Effective return on required capital is bonus amount ÷ minimum required capital. It is not APY, an annualized return, an investment return, or a guaranteed return. It excludes taxes, opportunity cost, interest, account fees, and the effect of how long capital is unavailable.
Bonus Reality CheckCan you realistically earn this bonus?Check your bonus fitCheck the funding and timing requirements in about one minute.
Verification ledgerOffer terms at a glanceDeposit, spending, fee, deadline, and eligibility details
We separate the headline from the conditions required to earn it.
- Product name
- Chase Business Complete Checking®
- Financial institution
- Chase
- Offer type
- Tiered business checking account opening bonus
- Advertised bonus
- Up to $500
- Required deposit or spending
- Open a new qualifying account, deposit the tier's required new money within 30 days of enrollment, maintain that balance for 60 days from enrollment, and complete five qualifying transactions within 90 days.
- Direct deposit requirement
- Not required as a standalone condition. ACH credits can count among the five qualifying transactions; ACH debits and person-to-person payments such as Zelle are excluded.
- Minimum balance
- $2,000 for the $400 tier or $10,000 for the $500 tier in qualifying new money.
- Monthly or annual fee
- $15
- How to waive the fee
- Chase lists qualifying activity that can reduce the monthly service fee to $0, including maintaining the stated qualifying balance where applicable. Verify the current account terms.
- Eligible states / geographic restrictions
- Application and account availability are determined by Chase. The public offer does not provide a universal state-level eligibility list.
- Offer deadline
- January 21, 2027
- Estimated payout timing
- Within 15 days after all requirements are completed.
- Early closure considerations
- The account must remain open and unrestricted when Chase pays the bonus.
- Credit inquiry information
- The official public offer does not state whether opening this business checking account results in a hard credit inquiry.
- New Chase business checking customers who can supply the required new money without disrupting business liquidity.
- Business owners who can complete five listed qualifying transactions within 90 days.
- Existing Chase business checking customers or signers excluded by the offer's two-year limitation.
- Businesses that need continuous access to the deposited capital during the maintenance window.
What the headline leaves out
Before taxes and opportunity cost, the $400 tier retains $400 if the fee is waived or $355 after three $15 monthly fees. The $500 tier retains $500 if waived or $455 after three monthly fees.
How this offer differs
The $500 tier pays $100 more, but requires $8,000 more capital. The capital-efficiency comparison below separates the larger headline bonus from the amount of money required to earn it.
- 01Account opening is subject to approval.
- 02The offer is for new Chase business checking customers.
- 03Only one business checking offer is available per signer every two years from the last offer enrollment.
- 04The account must remain open and unrestricted when the bonus is paid.
- 05Dates in the Capital Efficiency module are estimates based on the stated example opening date, not guaranteed payment dates.
This record currently uses an official, non-affiliate link. BonusMetric does not claim a partnership with Chase and does not receive compensation for this link. Read our full disclosure.
Frequently asked questions
Which Chase Business bonus tier uses capital more efficiently?
Using bonus divided by required capital, the $400 tier is more capital-efficient. This simple ratio is not an APY or annualized return.
How long must the new money remain in the account?
The official offer requires the applicable new-money balance to be maintained for 60 days from enrollment after funding within 30 days.
When does Chase pay the business checking bonus?
Chase states that the bonus is paid within 15 days after all requirements are completed, provided the account remains open and unrestricted.
Related guides
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- Can I close my account after the bonus?
- What counts as direct deposit?
- Bank bonus checklist