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Score a $300 sign-up bonus with the largest bank in the country
Written By NerdWallet Staff Last updated July 2025

With Chase Total Checking® you can get access to:

  • Over 15,000 free ATMs

  • More than 4,700 branches nationwide

  • A $300 sign-up bonus for new customers (bonus offer expires 07/16/2025)

A solid checking option

This account is great for those who want a standard checking account with an overdraft program and can meet requirements to avoid the monthly fee.

Plus, enjoy a variety of perks and benefits
$300 sign-up bonus

Open a Chase Total Checking® account and make direct deposits totaling $500 or more within 90 days of coupon enrollment to earn $300. You’ll receive your checking account bonus within 15 days.

Waived monthly fees

By meeting a minimum balance requirement of $1,500 at the beginning of each day or have at least $500 in monthly direct deposits or keep at least $5,000 across Chase accounts, you won’t pay a cent in service fees.

Added flexibility with Chase Overdraft Assist℠

No overdraft fee if you’re overdrawn by $50 or less at the end of the business day, or if you’re overdrawn by more than $50 and bring your balance to overdrawn by $50 or less at the end of the next business day.

Early direct deposit

Get your paycheck up to two days early when you set up direct deposit.

Manage your money on the Chase Mobile® app

Zelle® and Chase QuickDeposit℠ make sending, receiving and depositing money a breeze online or with the Chase Mobile app — and lock your debit card directly from your phone if you misplace your card.