What bonus can $1,000, $5,000, or $25,000 realistically unlock?
Start with the amount you can commit without disrupting normal cash flow. Then compare the deposit window, holding period, fees, and actual reward—not just the maximum tier.
At about $1,000
Chase Total Checking currently describes a $1,000 qualifying direct-deposit requirement. A transfer from your own bank is not the same as qualifying payroll or benefits.
At about $5,000
Chase Business Complete Checking includes a verified tier built around required new money and qualifying activity. Compare its holding period and fee waiver before treating the full reward as net value.
At $25,000
Wells Fargo’s business comparison includes a $25,000 tier with the largest advertised reward in that promotion, but lower tiers may deliver better reward per dollar committed.
Decision rule
Do not move more money merely to chase a larger headline. Use only funds you can leave available for the complete verified period, and include fees and opportunity cost in your decision.