4 Chase Bank Account Bonuses You Can Get -- if You Act Fast

Online checking accounts draw in customers with few fees and the option to earn more interest. That's something brick-and-mortar banks, with their higher overhead costs, can't compete with. So they have to look for other ways to attract new customers, like bank account bonuses.

Right now, Chase is running four offers that are worth a closer look if you're in the market for a new checking account. But they expire on Jan. 22, 2025, so you have to act fast.

1. Chase Total Checking® account ($300 bonus)

The Chase Total Checking® account bonus is one of the easiest-to-achieve bonuses you'll find today. All you have to do is open an account from this Chase page and make direct deposits of at least $500 within 90 days of account opening. Those able to pull this off will get their bonus within 15 days.

2. Chase College Checking account ($100 bonus)

This bonus is a great option for college students who may not have a job that pays them via direct deposit. To obtain the bonus, you need to open a Chase College Checking account from this Chase page and make at least 10 qualifying transactions within 60 days of enrollment.

Our Picks for the Best High-Yield Savings Accounts of 2024

Product	APY	Min. to Earn
American Express® High Yield Savings Member FDIC. APY 3.80% Rate info 3.80% annual percentage yield as of January 7, 2025. Terms apply. Min. to earn $0 Open Account for American Express® High Yield Savings On American Express's Secure Website. Member FDIC.	3.80% Rate info 3.80% annual percentage yield as of January 7, 2025. Terms apply.	$0	Open Account for American Express® High Yield Savings On American Express's Secure Website.
Capital One 360 Performance Savings Member FDIC. APY 3.80% Rate info See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Dec. 6, 2024. Rates are subject to change at any time before or after account opening. Min. to earn $0 Open Account for Capital One 360 Performance Savings On Capital One's Secure Website. Member FDIC.	3.80% Rate info See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Dec. 6, 2024. Rates are subject to change at any time before or after account opening.	$0	Open Account for Capital One 360 Performance Savings On Capital One's Secure Website.
Western Alliance Bank High-Yield Savings Premier Member FDIC. APY 4.40% Rate info The annual percentage yield (APY) is accurate as of Jan. 2, 2025, and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Min. to earn $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website. Member FDIC.	4.40% Rate info The annual percentage yield (APY) is accurate as of Jan. 2, 2025, and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.	$500 to open, $0.01 for max APY	Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website.

Qualifying transactions include debit card purchases, online bill payments, Chase QuickDeposit, Zelle, or ACH transfers. If you meet these criteria, you'll get your bonus within 15 days.

3. Chase Secure Banking℠ account ($100 bonus)

The Chase Secure Banking℠ account bonus has the same requirements as the Chase College Checking account, except you must apply from this Chase page. This is a great alternative to the Chase College Checking account bonus for adults who don't qualify for the former.

4. Chase Private Client Checking account (Up to $3,000 bonus)

The Chase Private Client Checking account bonus is last on the list simply because most people won't qualify for it. To earn it, you must meet with a Chase Private Client Banker either in person or over the phone to open your account. Then, you have 45 days to transfer a certain amount of funds, which correspond to your bonus as follows:

• $150,000 to $249,999: $1,000 bonus
• $250,000 to $499,999: $2,000 bonus
• $500,000 or more: $3,000 bonus

You also have to maintain this balance for at least 90 days. If you pull this off, you'll get your bonus within 40 days.

Research before opening any new bank accounts

Though the above offers might be tempting, you also have to make sure you like the account. You'll still own it even after achieving the bonus, and it can be a big hassle to transfer your money elsewhere.

Pay attention to the following factors when evaluating any bank account:

• Fees: Look at what kinds of fees the account charges and whether there's a way to waive them. If there is, think about how feasible this is for you.
• Accessibility: Find out how you can deposit and withdraw funds, and make sure you're comfortable with these options.
• Online and mobile tools: Even those who work with brick-and-mortar banks still like to have online and mobile tools to quickly move money around and check their balance. Read reviews to see whether other customers have any major issues with these tools.
• Customer service: You may not need to contact your bank often, but you still want it to have reasonable support hours in case a problem does arise.
• Other perks: Some accounts offer interest, while others offer fee-free out-of-network ATM transactions or other perks. Think about which matter most to you and use this to guide you toward the best account for you. For example, you may not care about interest in a checking account if you have a high-yield savings account, so you don't need to focus specifically on interest-bearing accounts..

Compare a few other checking accounts to the Chase account that stands out the most to you. But don't take too long to do this. Some banks renew their bonuses after they expire, but this isn't a guarantee. So get your application in by Jan. 22, 2025 if you hope to claim any of the above Chase bonuses.