checking
Chase $400
Total Checking
New Chase checking customers can earn $400 on Total Checking after $1,000 in qualifying direct deposits within 90 days.
Effective value after fees
$355
Minimum-path estimate: $400 minus three $15 fees ($45). The bonus asks for $1,000 total within 90 days, which does not by itself waive a $15 fee every statement. Route $500 of direct deposit each statement and the fee is $0, so the bonus is worth the full $400.
Exact requirements
- Open a new Chase Total Checking account with the offer. It is not available to existing Chase checking customers, people whose checking accounts closed within 90 days, or accounts closed with a negative balance within the last 3 years.
- Have direct deposits totaling $1,000 or more within 90 days of coupon enrollment. Chase counts an electronic deposit of your paycheck, pension, or government benefits. Zelle, check deposits, micro-deposits, wires, and transfers from a bank or brokerage do not count.
- You can receive only one new checking-account opening bonus every two years from the last coupon enrollment, and only one bonus per account.
- The account must not be closed or restricted when Chase pays the bonus.
- Bonus
- $400
- Direct deposit
- $1,000 or more in paycheck, pension, or government-benefit direct deposits within 90 days of coupon enrollment.
- Deposit
- Opening deposit: not stated on the offer page.
- Keep the account open
- Not stated as a fixed number of days. The account must be open and not restricted when the bonus is paid.
- When the bonus posts
- Within 15 days after you complete the requirements. Chase says to refer to your specific offer for dates.
- Expiration
- Not stated on the offer page.
- Monthly fee
- $15 monthly service fee on Chase Total Checking.
- How to waive it
- Avoid the fee with direct deposits totaling $500 or more, or with a minimum average daily balance each statement period. The offer page does not state the dollar amount of that balance.
- Early closure
- Not stated.
- Credit pull or ChexSystems
- not stated
- Where it is offered
- Availability not stated. The offer page does not list states or say the offer is nationwide. You can open online or in a Chase branch.
- Last verified
- November 15, 2026
Fine print
Bonus is considered interest and reported on Form 1099-INT (or Form 1042-S, if applicable). Person-to-person payments such as Zelle are not a direct deposit. Micro-deposits do not qualify. Verified against Chase's offer page on November 15, 2026. An expiration date is not stated there.
Source checked November 15, 2026: https://account.chase.com/consumer/banking/seo