How to earn a Chase checking account bonus
Take advantage of Chase bank promotions and you could earn $125, $400, $500 or up to $3,000. New customers can open an account online, at a branch or use a coupon emailed from the website and then complete requirements within the specified time frame. Existing Chase checking customers can earn bonuses by referring up to 10 friends.
Here's how to qualify for Chase checking account bonuses, which are some of the best on the market and some of which have been consistently offered over the years.
+ See a summary of available Chase bank promotions
Chase checking account bonuses 2026
Click to skip to details about each of these Chase checking account bonuses.
| Chase checking account bonuses 2026 | |
| | Chase Secure Banking℠: $125 bonus offer
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| | Chase Total Checking®: $400 bonus offer
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| | Chase Private Client Checking℠: Up to $3,000 bonus offer
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| Multiple accounts are eligible. | Chase checking referrals: Up to $500 bonus offer
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| | Chase Business Complete Checking℠: $500 bonus offer
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» Want to browse your options? See this month's best bank bonuses
Chase Secure Banking℠: $125 bonus
This offer is best for those who tend to overdraft — the Chase Secure Banking℠ account has no overdraft fees. You’ll get rewarded for making a minimum number of simple transactions such as debit card purchases and Zelle transfers.
- Offer: Get a $125 bonus when you open a new Chase Secure Banking℠ account and complete qualifying transactions.
- Minimum deposit to qualify: $0 to qualify for bonus; $0 to open account.
- Expiration date: 07/15/2026.
- How to get it: New Chase checking customers (who haven't had a Chase checking account within the last 90 days or had one closed with a negative balance in the last three years) can open a Chase Secure Banking℠ account online or in person using a coupon emailed through the promotion page. You must complete 10 qualifying transactions within 60 days of opening the account. Note that you are allowed to receive one bonus that’s related to opening a new checking account every two years, and you can receive only one bonus per account.
- When you'll get it: Within 15 days after the 10 qualifying transactions have posted.
- Monthly fee: Can be waived; see bank site for details.
» Want to compare accounts? See our Chase checking accounts review
Chase Total Checking®: $400 bonus
This offer is best for those who can meet the minimum balance or direct deposit requirements to avoid the monthly fee. The Total Checking bonus from Chase offers an excellent ratio of bonus amount compared to minimum deposit requirement. New account bonus offers from other banks can be much smaller, with a much bigger deposit requirement.
- Offer: Get a $400 bonus when you open a new Chase Total Checking® account and complete a qualifying direct deposit.
- Minimum deposit to qualify: $1,000.
- Expiration date: 07/15/2026.
- How to get it: Open a Chase Total Checking® account online or in person using a coupon emailed to you through the promotion page. You must make at least $1,000 in direct deposits into the account within 90 days. Note that you are allowed to receive one bonus that’s related to opening a new checking account every two years, and you can receive only one bonus per account.
- When you'll get it: Within 15 days of completing requirements.
- Monthly fee: Can be waived; see bank site for details.
» MORE: Don't forget to pay taxes on your bank bonus or interest
Chase Private Client Checking℠: Up to $3,000 bonus offer
This offer is best for those who can meet high minimum transfer requirements. If you’re looking to keep a large sum of money at one of the largest banks in the U.S., this offer could be worthwhile for you. Before enrolling in this offer, note the opportunity costs (such as not earning a high interest rate) and the deposit insurance issues you’ll need to consider. Skip ahead to read about FDIC limits and this bonus.
- Offer: Get a $1,000, $2,000 or $3,000 bonus when you open or upgrade to a new Chase Private Client Open Checking℠ account and complete qualifying transfers within the specified time frame.
- Minimum deposit to qualify: $150,000.
- Expiration: 07/15/2026.
- How to get it: Meet with a Private Client Banker to open a new Chase Private Client Checking℠ account (or upgrade your existing Chase personal account) at a branch, using the offer code emailed to you from the promotion page. Then transfer at least $150,000 in new money or securities to eligible personal checking, savings and/or J.P. Morgan Wealth Management accounts within 45 days of offer enrollment, and keep the money in the accounts for at least 90 days after offer enrollment. Deposit at least $150,000 to earn $1,000, $250,000 to earn $2,000 or $500,000 to earn $3,000. You are only allowed to receive one bonus per account.
- When you’ll get it: The bonus will be deposited into your new account within 40 days of completing all the requirements.
- Monthly fee: Can be waived; see bank site for details.
Disclosures
J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.
INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE
» MORE: Learn about what premium bank accounts offer
Chase checking account referrals: Up to $500 bonus
This offer is best for those who have friends and family who don’t have a Chase checking account. Chase’s referral bonus is arguably its easiest to earn — just share your referral link with someone you know, and once they open an account through the link, you’ll earn a bonus. You can do this as many as 10 times per year.
- Offer: Get a $50 Chase referral bonus for each friend you refer that opens an eligible Chase checking account (Chase Total Checking®, Chase Premier Plus Checking℠, Chase Sapphire® Checking and Chase Private Client Checking℠) using your referral link. Earn up to 10 referral bonuses per calendar year.
- Minimum deposit to qualify: $0.
- Expiration date: None.
- How to get it: Invite friends to open an eligible Chase checking account using your referral link. Note that you must have had your own Chase personal checking account open for at least 30 days.
- When you'll get it: You will earn your referral bonus within 30 days after your friend has opened their new account, completed requirements and earned their bonus.
» Looking to increase your savings? Check out NerdWallet's best high-yield online savings accounts
Chase Business Complete Checking®: $500 bonus offer
This offer is best for small business owners. This Chase business checking bonus could be easy to obtain if you need to deposit a certain amount of money, will make a few transactions in the couple months after opening the account and can maintain the minimum balance requirement.
- Offer: Earn $500 when you open a new Chase business checking account, complete qualifying transactions, meet the deposit requirement and meet a minimum balance requirement.
- Minimum deposit to qualify: $2,000.
- Expiration: 06/18/2026.
- How to get it: Open a new Business Complete Checking® account online or at a branch, using the offer code emailed to you from the promotional page. Then within 30 days, deposit at least $2,000 in new money to earn $500, maintain the new money balance for 60 days and complete five qualifying transactions — such as debit card purchases, QuickAccept℠ deposits, QuickDeposits℠ and ACH or wire transfers — within 90 days. You are only allowed to receive one bonus related to a new business checking account every two years, and only one bonus per account. Other restrictions apply; see promotional page for details.
- When you’ll get it: The bonus will be deposited into your new account within 15 days of completing all the requirements.
- Monthly fee: Can be waived; see bank site for details.
» MORE: See our list of the best business bank account bonuses
Our Nerds say:
“Chase bank bonuses are a standout because they’re among the easiest to earn. Plus, the bank promises to pay out the cash bonus quickly — about two weeks after all requirements are met.
“But depending on how much you need to deposit to earn a bonus, you could be better off with a high-yield savings account instead."
Frequently asked questions about Chase bonuses for bank accounts
Here are answers to common questions about Chase bank bonuses.
What is the $3,000 bonus at Chase bank?
For its premium checking account, the Chase checking account bonus offers three tiers: Deposit at least $150,000 to earn $1,000, $250,000 to earn $2,000 or $500,000 to earn $3,000.
How do you get your Chase bonus?
You’ll receive your Chase bonus once you’ve opened your new account and completed all the requirements.
- For the Secure Banking℠ account, you’ll get your bonus within 15 days after the 10 qualifying transactions have posted.
- For the Chase Total Checking® account, you’ll get your bonus within 15 days of completing a qualifying direct deposit, which must be made within 90 days of opening the account.
- For the Chase Private Client Checking℠ account, you’ll get your bonus within 40 days of completing all requirements.
- For the Chase referral bonuses, you’ll get your bonus within 30 days of the referral account being opened.
- For the Chase Business Complete Checking® account, you’ll get your bonus within 15 days of: 1) five qualifying transactions being posted, 2) making the minimum deposit requirement and 3) maintaining the minimum required balance for the required time.
» Want more details? See our Chase business checking review
Does Chase bank have a new account bonus?
The bank often offers promotions, including Chase checking account bonuses for new customers. You can check this page for available new account bonuses and other Chase bank promotions.
» Read our full Chase bank review
What to know about Chase checking account bonuses
Here’s some general information that applies to all Chase personal checking account bonuses.
- There are limitations on who can qualify for the offers. You can only qualify for the Chase Secure Banking℠ and Chase Total Checking® offers if you’re a new Chase customer or haven’t had a Chase account closed within the last 90 days or closed with a negative balance in the last three years. And you’re only eligible to receive a bonus for opening a new checking account every two years and can only earn one bonus per account. If you have received a bonus coupon previously, you can earn only one Chase Private Client Checking℠ bonus for the year following your last bonus coupon enrollment date.
- You can earn a bonus for a personal checking account and a business checking account. While you can qualify for only one Chase bonus per personal checking account as a new customer who meets eligibility requirements, you can qualify for two Chase checking account bonuses if the other account is for business.
- Existing Chase customers could qualify for a new account bonus. Even if you already have a Chase savings account, you can qualify for a Chase checking account bonus as long as you don’t already have one, or haven’t had a Chase account that was closed in the last 90 days or closed a Chase account with a negative balance in the last three years. Another way existing Chase customers can qualify for a new account bonus is by sharing a referral link with someone. When a new checking account is opened through a referral link, the referrer earns a bonus.
- Your account must be open to receive the bonus. To receive the bonus from Chase after you’ve completed all the requirements, your account must be open and in good standing.
- Your Chase bonus could be taxable. Bank bonuses are considered interest, so you’ll need to report any you’ve earned when you file your taxes.
» MORE: Learn what to look out for when signing up for a bank bonus
Chase checking account bonuses and FDIC limits: What to know
Earning the maximum bonus amount offered by Chase requires making a deposit of at least $500,000. Not only is that a huge sum of money, but it’s more than the standard amount of $250,000 covered by the Federal Deposit Insurance Corp.
The $250,000 limit is per depositor, per insured bank, per ownership category — but there are some ways to protect your funds in excess of $250,000, including adding a joint owner or moving some funds to an account that’s in a different ownership category. If you’re going to deposit $250,000 or more to qualify for the biggest Chase bonuses — earning the biggest bonuses requires depositing at least $250,000 or at least $500,000 — understand both the bonus requirements and what you need to do to protect all of your deposits.
What else to watch out for when choosing a bank bonus
Chase offers a promotion that awards $2,000 for making a deposit of at least $250,000 or $3,000 for making a deposit of at least $500,000 (and meeting a few other requirements). It isn’t the only bank to offer bonuses with such steep deposit requirements, either. If you’re considering a bonus with a hefty deposit requirement, weigh these trade-offs before moving forward:
- Having a large sum of money tied up. The Chase bonus requires leaving your money in your new account for at least 90 days, depending on how you enrolled in the offer. That’s a long time to go without access to these funds, should you need them.
- Missing out on interest. Chase’s interest-bearing checking accounts earn almost nothing (0.01% APY) so you could miss out on thousands of dollars. The best high-yield online savings accounts currently offer around 4% annual percentage yield. If you were to put your $500,000 in a savings account with a 4% APY, you’d earn nearly $5,000 in interest in 90 days, which is much more than the $3,000 bonus. If you left your money in that savings account for a year, you’d earn upward of $20,000. (Check out our compound interest calculator to see exactly how much you could be earning in a savings account.)
- Having more than the standard FDIC insured amount in an account. The standard FDIC insurance limit is $250,000. To protect all of your money, including the funds in excess of the standard limit, you’ll need to take some strategic actions, such as having a joint account holder. (Read more about how to protect your funds in excess of $250,000.)
» MORE: Read about the best and worst things about new account bonus offers
Are Chase bank promotions worth it?
If you’re debating between a Chase bank account and an account from one of its competitors, these bonuses may be enough to swing your decision. A Chase bank bonus could be worth it if you want to keep your checking account at a large, traditional bank with many branches, online banking and well-rated mobile apps. But make sure you can avoid any monthly fees that might apply.
» Want Chase credit card bonuses? See our guide to Chase quarterly bonuses
