Chase Total Checking® is the most popular account from one of the nation's best banks. You'll have access to more than 4,700 branch locations and 15,000 ATMs, along with a top-rated mobile app.
Your new account can be opened easily online, and earning the bonus is super straightforward: receive a qualifying direct deposit into your new account within 90 days, and Chase will reward you within 15 days.
Keep in mind that Chase Total Checking® does charge a $12 monthly maintenance fee, but there are several ways to have this waived, including maintaining a minimum daily balance of $1,500 or making at least $500 in electronic deposits each month.
Assuming you can keep the account free, we definitely recommend taking advantage of this easy cash bonus from Chase!
How To Earn The Bonus
The Chase Total Checking® promotion requires you to set up eligible direct deposits in order to earn the $300 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the bank will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
- Offer not valid to existing Chase checking customers or to those whose accounts have been closed within 90 days.
- If you close the account within six months, Chase will take the bonus back.
- You can only receive one new checking account opening related bonus once every two years.
Open a Chase Total Checking® account before the bonus expires on January 22, 2025
How does this personal checking offer from Chase compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
TD Bank
Beyond Checking
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 14 days
- Requires
- Direct Deposit
BMO
Smart Advantage Checking Account
- Bonus
- $300
- Account Type
- Personal Checking
- Expires In
- 47 days
- Requires
- Direct Deposit
Discover
Discover® Cashback Checking
- Bonus
- up to $360
- Account Type
- Personal Checking
- Expires In
- Limited Time
- Requires
- Card Spend
Recent Versions of This Offer
Banks often tweak the requirements and the reward amount of their welcome offers. Track how this welcome bonus from Chase has changed over time:
| Promo Dates | Amount | Requirement Notes |
|---|---|---|
| Expired Apr 7, 2022 | $225 | Make a direct deposit |
Why Chase Bank?
Chase Bank is one of the largest banks in the U.S., and one of our top picks for national banks. You'll have access to more than 4,700 physical branches, more than 15,000 ATMs, and a well-liked mobile app that makes it easy to skip both (it averages 4.8 stars in the App Store and 4.4 stars on Google Play).
Chase offers everything from credit cards, home and auto loans, personal accounts, business and commercial products, and investment products under their J.P. Morgan umbrella.
Like most of the national banks, their rates aren't great, but their product breadth makes it easy to conveniently bank all at one place.
Plus, when it comes to bank bonuses and coupon codes, Chase has some of the best out there. The bank is constantly trying to attract new customers with sign-up bonuses and promotional offers.
Learn more in our Chase Bank review
Chase Total Checking®
This is Chase's most popular checking account, and it's a solid choice if you want a straightforward, basic checking account. The account does, however, charge for checks and for using ATMs outside of Chase's network, nor does it offer interest on your account balance.
Fees
Chase Total Checking® does charge a monthly maintenance fee of $12, but there are ways to get this waived:
- Make electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNowSM network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network
- OR, maintain a balance at the beginning of each day of $1,500 or more in this account
- OR, maintain an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Apply now for a Chase Total Checking® account to earn the $300 bonus offer
Share Your Thoughts or Questions
There have been 24 comments about the Chase Total Checking® $300 Bonus.
Joseph Lee Robbins
November 17, 2023Easiest bonus ever! I would highly recommend this bonus! So easy to deal with and fast payout of bonus!
ReplyReply to Joseph Lee Robbins
Tom
November 16, 2023Chase will let you get a bonus every 24 months from the last time you opened an account. If there is a direct deposit requirement, I do not know of any ACH transfer that has been successful at counting as a direct deposit. You will need to plan on using your employer or Social Security for the DD requirement. Be mindful of the monthly fees for checking and savings. Do a monthly DD or keep your balances at $1500 for checking, $300 for savings to avoid monthly fees. Chase is reliable to pay out bonuses on time if you meet the requirements.
ReplyReply to Tom
Jake
November 16, 2023Chase is always good for paying their bonuses. In working with dozens of banks, I can say Chase by and far has the best customer service (with USBank in second place). I did this bonus as well as the Chase business bonus and there was a very small error made that kept me from getting the bonus (money hit my account a business day late or something like that) and I went into the branch and explained the situation and they were able to apply the bonus anyways.
ReplyReply to Jake
Jon Snow
November 15, 2023There’s a $900 promo for both checking and savings combined here: https://account.chase.com/consumer/banking/checkingandsavingsoffer
Even the just the checking account offer is better. ($300)
Reply to Jon Snow
John
November 15, 2023I've done this bonus before - paid out on time and hassle free. Just make sure to avoid the monthly fees.
ReplyReply to John
Misty
November 15, 2023I helped my parents take advantage of this offer. They were very happy for their bonus! They opened the account in the branch with the offer code they received by email. I’m sure they could have opened it online but they prefer to see the banker face to face.
ReplyReply to Misty
Tamela Finney
November 15, 2023Chase has always been one of my favorite bonuses to do. I'm currently doing the bonus with them for $900 for both my husband and I. Usually, all of Chase's bonuses are pretty straightforward. However, if you're doing the one for $900, you may have to go inside a branch to deposit your funds. For some reason, my transaction kept getting rejected. Nonetheless, deposit the money as soon as possible. You have up to 30 days, but if you do it sooner, you'll have time to mitigate any unforeseeable issues.
ReplyReply to Tamela Finney
bb8
November 15, 2023I just received this bonus. Easy to earn if you can get approved by Chase.
ReplyReply to bb8
Enighenja Okengo
November 14, 2023Over the years I've taken advantage of all Chase credit card promos until for a while I didn't get qualified for their cards again! Basically I paid off my debt before they could make an extra penny on me (mind you, each time you swipe your credit card, Chase collects 5%) and eventually they got tired of me. We're friends again and I'll go for the checking promo now.
ReplyReply to Enighenja Okengo
Doug
November 14, 2023There is a targeted offer that pairs this chase checking bonus with a chase savings bonus. The combination offer pays $900 and includes this $200 checking offer, a $300 savings offer, and a $400 bonus for doing both. I'd look for that combo before doing either the checking or savings individually.
ReplyReply to Doug
Lee
November 13, 2023Thanks to BANKBONUS.com for providing this bonus earning information about the Chase Total Checking $200 promotion, I am well on my way to picking up some early Christmas shopping money. BANKBONUS.com ROCKS!
ReplyReply to Lee
Jon Snow
November 13, 2023If you use the Chase app, there is a bonus tracker on there.
ReplyReply to Jon Snow
Bill B
November 11, 2023I earned the Chase $300 bonus in early 2023. It also offered an added bonus for Amazon Prime credit card holders, which was an added bonus for me. I also like Chase's transfer tools, which I often use to move money from other banks that don't have great offerings in this regard. I definitely recommend getting this bonus.
ReplyReply to Bill B
Klaus Pohlmann
November 6, 2023Chase has some great incentives. This total checking bonus of $300 was pretty simple to get. There were no surprises, no questions. Just remember to waive the $12/mo maintenance fees you need a $1500 daily balance or monthly Direct Deposits of $500. Easy to open, easy to close!
ReplyReply to Klaus Pohlmann
Den
November 5, 2023I`ve got a bonus of 225 USD and established a relationship with Chase which helped me get their credit cards.
ReplyReply to Den
Ankit Jain
November 3, 2023I suggest waiting for a better one and preferably a combo with savings as it gives additional 100$ for meeting the requirements for both checking and savings. This is churnable so make sure to close the account but not before 6 months after opening. We do not want to mess with Chase
ReplyReply to Ankit Jain
pj
September 8 Replying to Ankit JainI couldnt find in the terms and conditions where it said you need to have account open for 6 months. Do you mind finding that for me please? I'm curious if the bankbonus.com article that states "dont close account for 6 months" is a mistake.
ReplyReply to pj
Nicholas
November 3, 2023I’d probably wait until a larger bonus is available for this. If you look online, Chase has had much bigger amounts available in the past few years.
ReplyReply to Nicholas
Brittany Harvey
November 3, 2023I had a personal checking account with Chase and I used it quite a few times. However, my experience with Chase has not been the best. I’m not too fond of all the fees it sets especially with maintaining a certain balance in the account. Things happen in life that sometimes it can’t be met. I also have the business checking account of Chase that again I am having the same issues with. I do like that I receive bonuses from Chase when I make a certain amount of purchases. I knew I had to make a big purchase so I used this to my advantage and the bonus was one of the biggest bonuses I received from a bank. I was able to use it towards my statement and other things needed. Again, the specific standards of having so much in the bank or transferred are quite annoying. The process itself to open the account was also a bit extra because I sent all required documents, but somehow they got lost. I do like that they have ample ways to submit your documents to open a checking account, that part is quite easy and convenient. I also like when you step into a Chase bank there is someone welcoming you and asking if you need an appointment/assistance with anything.
ReplyReply to Brittany Harvey
Stevie
November 3, 2023One of the easiest to earn! The bonus was delivered within a couple of days of meeting requirements.
ReplyReply to Stevie
MichelleFine
November 3, 2023I am still waiting on the bonus for this. I have faith in Chase that it will come through since I followed all the requirements. A friend of mine did this promotion and she received her bonus on time. I still technically have a week left.
ReplyReply to MichelleFine
Wayne
November 3, 2023I've received this bonus for my self and P2. It's easy to qualify for and I like it because I use it to qualify for other bonuses. You'll find a number of other bank requirements can be filled by using Chase as a direct deposit.
ReplyReply to Wayne
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