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APY = Annual Percentage Yield. APYs are subject to change at any time without notice.
If you're looking for a bank bonus, Chase has some big, big promotions to get excited about. With that in mind, let's take a look at its current offers.
Chase Total Checking® Bonus: Earn $300 with $500 or more direct deposit
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
More than 15,000 ATMs and 4,700 physical locations
Wide range of financial products
User-friendly online and mobile banking tools
No minimum deposit to open
Chase Overdraft Assist
Low APYs on savings accounts and CDs
$12 monthly maintenance fee waived only with qualifying activity
Chase Total Checking® combines tons of features with superior customer service. It's a safe place to put your money. You can walk into any of thousands of branches and withdraw cash from more than 15,000 ATMs in Chase's network. You can access everything online, too. It's one of the best checking accounts for in-person and over-the-phone customer service.
New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
Access to more than 15,000 Chase ATMs and more than 4,700 branches
Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
JPMorgan Chase Bank, N.A. Member FDIC
Open your account online now
Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
*With Chase Overdraft Assist℠, we won't charge an Overdraft Fee if you're overdrawn by $50 or less at the end of the business day OR if you're overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.
**Monthly service fee is $12, or $0 with one of the following, each monthly statement period:
Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
OR a balance at the beginning of each day of $1,500 or more in this account,
OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Receive at least $500 in direct deposit within 90 days. Direct deposits include electronic transfers of your paycheck, government benefits (like Social Security)
Get your bonus. Chase will deposit your bonus within 15 days.
How you qualify: Only new Chase checking account customers. These are clients who (1) don't currently have a Chase checking account (2) have closed a Chase checking account in the last 90 days or (3) have had a Chase checking account closed with a negative balance in the last three years.
Where to open an account: Open a Chase Total Checking® account by requesting a coupon code to be sent to your email so you can open it in person.
Monthly fees: $12, which can be waived through one of the following:
Have direct deposit totaling $500 or more
Maintain a balance $1,500 at the beginning of each day
Maintain an average beginning day balance of $5,000 in combined Chase accounts, like checking and savings.
Offer expires: Jan. 22, 2025
Chase Secure Banking℠ Bonus: Earn $100 with qualifying transactions
Chase Secure Banking℠ is a checking account offered by Chase that advertises no minimum deposit and the ability to get your money up to two business days early with early direct deposit, all for a $4.95 monthly account fee. This account falls short on other features, however, so you may be better off looking elsewhere for a checking account you plan to use often.
How you earn it:
Open a Chase Secure Banking℠ account.
Complete 10 qualifying transactions. These include debit card purchases, ACH transfers, Zelle® transactions, online bill payments, and Chase QuickDeposits℠.
Get your bonus. After you complete the qualifying transactions, the bonus will be available in your account within 15 days.
How you qualify: You need to be a new Chase checking account customer to qualify. Chase defines a new customer as someone who (1) doesn't currently have a Chase checking account (2) hasn't had a Chase checking account in the last 90 days or (3) hasn't had a Chase checking account closed with a negative balance within the last three years.
Where to open an account: You can open the account through the offer page, or request a coupon code be sent to your email to open it in person.
Monthly fees: $4.95
Offer expires: Jan. 22, 2025
Chase Private Client Checking℠ Bonus: Earn up to $3,000 with qualifying transactions
How you earn it:
Open a Chase Private Client Checking℠ account.
Deposit new money in your account within 45 days. The amount of your bonus will depend on how much you deposit.
Earn $1,000 with deposit totaling $150,000 to $249,999
Earn $2,000 with deposit totaling $250,000 to $499,999
Earn $3.000 with deposit totaling $500,000 or more
3. Maintain your new money deposit for 90 days. Then, your bonus will be deposited in your account within 40 days.
How you qualify: The offer is valid for new Chase Private Client Checking accounts. If you're upgrading a Chase account, the offer is valid on personal checking, personal savings, and qualifying J.P. Morgan Wealth Management non-retirement accounts.
Where to open an account: Visit a Chase branch and open the account in person with a private client banker.
Monthly fees: $35, which can be waived in the following ways:
Maintaining a combined $150,000 in total deposits across all eligible Chase checking accounts.
Linking a Chase Platinum Business Checking℠ account.
Offer expires: Jan. 22, 2025
What else should you know about Chase bank bonuses?
The biggest thing to watch for is the account fees. While all the bank accounts discussed above offer multiple ways to waive fees, they can still be pesky if you don't meet requirements. If you'd rather avoid fees altogether, you might be better off opening a free savings account instead.
Are Chase bank promotions worth it?
If you've already decided to bank with Chase, earning a bonus is just icing on the cake. That said, if you're not totally sold on Chase, be sure to check out other bank bonuses. While Chase offers some of the biggest bonuses out there, other banks, like U.S. Bank, have generous bonuses too.
Compare savings rates
Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
3.80%
Rate info
3.80% annual percentage yield as of December 28, 2024. Terms apply.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
up to 4.00%²
Rate info
You can earn the maximum APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet.
Min. to earn: $0
New customers can earn up to a $300 bonus with qualifying direct deposits!¹
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
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.
Our methodology for scoring banks and credit unions revolves around evaluating key aspects such as annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks.
These criteria are weighted differently across various account types, ensuring a comprehensive assessment that reflects the competitive landscape and economic conditions.
We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased by advertiser influence. This robust evaluation process helps us generate balanced, reliable best-of lists that guide consumers to top financial products.
Yes, bank bonuses are taxable as regular income. Typically, the bank will send you a 1099-INT or 1099-MISC. Even if you don't get one of those forms, you're still responsible for reporting it on your tax return.
Chase will deduct your bonus if you close your new checking account within six months of opening it.
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