Act Fast: Earn a $300 Bonus With This Chase Checking Account

If you'd like to close out the year with an extra $300 (and who wouldn't?), you could get just that with a Chase Total Checking® account. It's offering a $300 bonus for new Chase customers, but this is only available for a limited time.

You'll find all the details below, including how to apply and what you need to do to earn the bonus.

How to earn a $300 bonus with Chase Total Checking®

Here's all you need to do to earn this Chase bonus:

• Open a Chase Total Checking® account online.
• Make direct deposits totaling $500 or more in the first 90 days.

It's two simple steps, making this one of the easiest bank bonuses to earn. Once you've met the requirements, you'll receive your $300 bonus as a deposit to your Chase checking account within 15 days. This offer lasts through Jan. 22, 2025.

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 December 28, 2024. 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 December 28, 2024. 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 4.46% Rate info The annual percentage yield (APY) is accurate as of November 7, 2024 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.	4.46% Rate info The annual percentage yield (APY) is accurate as of November 7, 2024 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.

If this is your first time opening a Chase account, you're eligible for this bonus. You're ineligible if you currently have a Chase checking account or have closed one within the last 90 days, or if you've closed a Chase bank account with a negative balance in the last three years. You're also ineligible if you've already received a Chase checking bonus within the last two years.

When you're ready to get started earning your bonus, click here to open a Chase Total Checking® account.

Avoiding the monthly service fee

The Chase Total Checking® account has a $12 monthly service fee. It's almost never worth paying a service fee for a checking account. Fortunately, there are several ways to avoid the monthly fee and get this account for $0 per month:

• Receive electronic deposits totaling $500 or more per month
• Have a balance of $1,500 or more in the account at the beginning of each day
• Have an average beginning day balance of $5,000 or more in any combination of this account and other qualifying Chase accounts

For an easy option, you could set up direct deposit of your paycheck to this account. As long as you earn at least $500 per month, that will be enough to waive the monthly service fee. But if you'd rather not open an account with any monthly fees, there are plenty of popular checking accounts that don't charge service fees.

Should you open a Chase checking account?

If you're looking for a checking account, Chase Total Checking® is a good choice. The main draw is the $300 bonus. In addition, Chase also has a huge network with over 4,700 branches and over 15,000 ATMs nationwide. You probably won't have any trouble finding places to get cash.

Chase also has a user-friendly web platform and mobile app. I have firsthand experience with both, as I carry several Chase credit cards and have also used Chase bank accounts. I've always felt that its website is a strong suit compared to most other banks.

Chase Total Checking® has a couple of drawbacks, but nothing major. We already covered the monthly fee, which you can easily get waived. It also doesn't earn any interest. That sounds bad, but checking accounts are for managing money, not storing your savings. If it's a high APY you're after, check out our list of the best high-yield savings accounts.

With the $300 bonus opportunity, now is a great time to open a Chase Total Checking® account. It only lasts through Jan. 22, 2025, so don't wait long if you're interested.