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Checking account · Chase
Last verified July 6, 2026

Chase Total Checking

$400 for $1,000+ in qualifying direct deposits within 90 days (up from a prior $300 single-deposit offer). Chase has also run limited-time combo promotions pairing checking with a new savings account for a larger total — check Chase's current offers page for any live add-on, since we couldn't confirm one was still active as of this sweep.

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 July 6, 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 2026-07-15 — 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 →