Checking account opening bonus

Chase Total Checking®

Chase determines account eligibility, approval, and bonus qualification. Terms may change. Verify the latest terms on the official website before applying.

Official Website Last verified July 24, 2026

Verification ledger

Offer terms at a glance

We separate the headline from the conditions required to earn it.

Product name: Chase Total Checking®
Financial institution: Chase
Offer type: Checking account opening bonus
Current bonus: $400
Required deposit or spending: Open a new account using the offer and receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.
Direct deposit requirement: Required. Chase specifies electronic deposits of paycheck, pension, or government benefits from an employer or the government. Zelle, external bank transfers, checks, micro-deposits, and wires do not qualify for this offer.
Minimum balance: No minimum balance is stated for earning the bonus.
Monthly or annual fee: $15
How to waive the fee: Any one per statement period: $500+ in qualifying electronic deposits; a $1,500+ beginning-day balance; a $5,000+ average beginning-day combined qualifying balance; or a qualifying linked checking account.
Eligible states / geographic restrictions: Availability depends on Chase account-opening eligibility and product availability. Confirm your address and branch/online availability with Chase.
Offer deadline: October 14, 2026
Estimated payout timing: Within 15 days after completing the offer requirements.
Early closure considerations: The enrolled account must remain open and unrestricted when the bonus is paid. Review the current deposit agreement before closing an account.
Credit inquiry information: Chase does not state on this public offer page whether opening the checking account results in a hard credit inquiry.

Who it may suit

New Chase checking customers with eligible payroll, pension, or government-benefit deposits.
People who can meet a monthly-fee waiver after the bonus posts.

Who it may not suit

Existing Chase checking customers or recent former customers excluded by the offer.
People relying on ACH transfers from another personal bank or brokerage account to satisfy the bonus.

Net value analysis

What the headline leaves out

The headline value is $400 before any tax impact or account fees. If the $15 monthly fee applied for three months, that would reduce the pre-tax value to $355. Someone who meets a listed fee waiver can avoid that reduction.

Comparison context

How this offer differs

Compared with SoFi’s current offer, Chase requires less qualifying direct deposit for the top bonus but charges a monthly fee unless a waiver applies. SoFi requires substantially more direct deposit in a shorter window for its top tier.

Important limitations

01Account opening is subject to Chase approval.
02Not available to existing Chase checking customers or people whose Chase checking account closed within 90 days or closed with a negative balance within three years.
03Only one Chase checking account opening-related bonus every two years from the last offer enrollment date, and one bonus per account.
04Offer availability and terms may change.

Affiliate disclosure

This page currently uses an official, non-affiliate link. BonusMetric does not claim a partnership with Chase and does not receive compensation for this link.

Frequently asked questions

Do transfers from another bank count for this Chase bonus?

No. The published offer excludes external transfers from another bank, brokerage, or investment account and specifies qualifying electronic deposits such as payroll, pension, or government benefits.

How soon does Chase pay the bonus?

The published terms say the bonus is deposited within 15 days after the requirements are completed, provided the account remains open and unrestricted.

Is there a monthly fee?

Chase Total Checking has a $15 monthly service fee. The account page lists several ways to waive it, including at least $500 in qualifying electronic deposits per statement period.