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Checking account · Chase
Last verified October 26, 2026

Chase Total Checking

$400 for $1,000+ in qualifying direct deposits within 90 days. Chase also runs a combo promotion, confirmed live as of this sweep: $300 for the checking account alone (any direct deposit), $200 for a new Chase Savings account ($15,000 deposit held 90 days), plus a $400 bonus for opening both — up to $900 total. It's unclear whether this combo is open to everyone or targeted, so confirm it's showing on your own Chase offers page before counting on it; both offers are listed as expiring 2027-01-27.

The deal

Open a new Chase Total Checking account and receive $1,000+ in qualifying direct deposits within 90 days

Bonus value history

$0 $200 $400 July 1, 2018 · $300 November 1, 2020 · $200 January 1, 2022 · $225 January 1, 2023 · $300 June 3, 2026 · $300 October 26, 2026 · $400 20192020202120222023202420252026

Past values are estimates compiled from issuer announcements and public records; points are converted to USD at the card’s current valuation. Our methodology →

The walkthrough

  1. 01 Open the account online — no coupon code is required for the current $400 offer.
  2. 02 Add your new Chase routing and account numbers to your employer's payroll portal as a direct deposit.
  3. 03 Accumulate $1,000+ in qualifying direct deposits within 90 days. The bonus arrives ~15 business days after you qualify.
  4. 04 Keep the account open for 6 months to avoid the bonus clawback, then you can close.

What to watch for

  • ! ACH transfers from your own external accounts do NOT qualify as direct deposits for this bonus.
  • ! Chase ChexSystems-checks new applicants — if you've had recent negative banking history, you may be denied.
  • ! This offer's account-opening deadline is 2027-01-27 — check Chase's site for the current cycle after that date.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →