All bonuses
Chase Total Checking®
Personal Checking
CheckingAvailable nationwide36 days left
The most reliable checking bonus in the market. One qualifying direct deposit within 90 days unlocks $300.
Your personalized eligibility
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Add your state, bank relationships, and bonus history to see which rules could disqualify you.
Requirements at a glance
- Direct deposit minimum
- $500
- Balance requirement
- None
- Minimum holding period
- 180 days
- Estimated effort
- Low effort
- Monthly fee
- $12/mo
- Offer expires
- 12/15/2026
Fee waiver: Waived with $500+ monthly direct deposit, $1,500 daily balance, or $5,000 across linked Chase accounts.
Step-by-step qualification
- 1Open a new Total Checking account online with the offer code applied.
- 2Set up and receive at least one direct deposit of $500 or more within 90 days.
- 3Keep the account open and in good standing until the bonus posts.
Payout timeline
Day 0
Account opened and funded.
Day 1-90
Qualifying direct deposit of $500+ arrives.
Within 15 days
Bonus deposited into the new account.
Day 180
Safe to close without a $25 early-closure fee.
Fine print traps to avoid
- Closing within 6 months triggers a $25 early account closure fee.
- Not available if you already hold a Chase personal checking account.
- Bonus is reported on a 1099-INT.