Chase Total Checking bonus: up to $900

Updated November 5, 2026 · Offer data last verified 2026-11-05 · Not financial or tax advice.

Chase's current tiered checking offer pays $425, $600 or $900 for opening a new Chase Total Checking account, depending on how much you direct-deposit within 90 days of offer enrollment. Chase's page says the offer expires 01/27/2027. The page opens with "As a valued Chase customer, an up to $900 offer could be yours," so the offer may be shown to some people and not others.

Bonus tiers

Total qualifying direct deposits in 90 days	Cash bonus
$2,500 – $4,999.99	$425
$5,000 – $9,999.99	$600
$10,000+	$900

Tiers as listed in Chase's offer terms. Chase says the bonus arrives within 15 days of completing the qualifying activities.

What counts as direct deposit

Chase defines direct deposit as an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. It lists things that don't count: check deposits, person-to-person payments like Zelle, micro-deposits, external transfers from a bank, brokerage or investment account, tax refunds, dividends, retirement distributions, debit card transactions and wire transfers.

Who's eligible

Not for people who already own or co-own a Chase checking account.
Not for accounts closed within the last 90 days, or closed with a negative balance within the last 3 years.
One new checking and one new savings account bonus every two years from the last offer enrollment date.
The account must not be closed or restricted when the bonus pays.

Fees

Chase says new accounts aren't charged the Monthly Service Fee for at least the first two statement periods. After that it applies unless you meet one of the waiver options each statement period. Check the current fee and waivers on Chase's page.

Taxes

Chase states the bonus is considered interest and reported on IRS Form 1099-INT. See are bank account bonuses taxable?

Compare

See Chase vs SoFi checking bonus, and every live offer on our Chase offer page and offer table.

General information only. This isn't financial or tax advice. Offers change or end without notice, and the official terms always govern. Confirm everything on the provider's page before you act. See our disclaimer.

Official page read on 2026-10-31: official terms ↗.

FAQ

How much is the Chase Total Checking bonus?

$425 with $2,500–$4,999.99 in direct deposits, $600 with $5,000–$9,999.99, or $900 with $10,000+, all within 90 days of offer enrollment, per Chase's terms.

When does the Chase checking offer expire?

Chase's page says 01/27/2027.

Does a Zelle or bank transfer count as direct deposit for Chase?

No. Chase lists Zelle, external transfers from a bank or brokerage, check deposits, tax refunds and wires as not qualifying.