Chase Sapphire℠ Banking

Premium Checking

CheckingAvailable nationwideExpired

Highest-value bank bonus available if you can move $75,000 in new money for 90 days. No direct deposit needed.

Your personalized eligibility

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Requirements at a glance

Direct deposit minimum: Not required
Balance requirement: $75,000
Minimum holding period: 180 days
Estimated effort: High effort
Monthly fee: $25/mo
Offer expires: 10/20/2026

Fee waiver: Waived with an average beginning day balance of $75,000 across qualifying accounts.

Step-by-step qualification

1Open a Sapphire Banking account with the promotional offer.
2Transfer $75,000 in new money within 45 days of opening.
3Maintain the balance for 90 days from enrollment.

Payout timeline

Day 0-45
Fund with $75,000 of new-to-Chase money.
Day 45-135
90-day balance maintenance window.
Within 30 days
Bonus posts after the maintenance period.

Fine print traps to avoid

Money already at Chase does not count as new money.
Early closure within 6 months incurs a $25 fee.
A balance dip below $75,000 on any day can void the bonus.