Total Checking

Checking

$400

Cash bonus

Apply Track this bonus

Tracking is free: SuperChurn keeps every requirement and deadline for this bonus in one place. No bank login needed.

How to earn it

All 2 are required

$1,000 direct deposit within 90 days
Receive $1,000 in qualifying direct deposits within 90 days of offer enrollment
Direct deposit · Within 90 days of the start date in the terms
Terms: “Have your direct deposits totaling $1,000 or more made into the new checking account within 90 days of coupon enrollment.”
Open through Chase's offer page so the offer is enrolled, and use payroll, pension or government-benefit deposits
Other requirement · No deadline stated in the terms

Who can get this bonus

1 per 2 years“One new checking bonus every two years from your last offer enrollment, and one bonus per account.”
New customers only“Not available if you have a Chase checking account now, had a Chase account closed in the last 90 days, or had one closed with a negative balance in the last 3 years.”

From Chase’s offer terms · checked Oct 5, 2026. Eligibility is the bank’s decision; confirm with it before you apply.

Fees and keeping the account open

Monthly fee: $15; Each statement period: $500+ in qualifying electronic deposits, a $1,500+ beginning day balance, a $5,000+ average beginning day balance in this account or combined with linked qualifying Chase deposits and investments, or a linked qualifying Chase checking account. The first two statement periods are waived.
Keep the account open: Until the bonus posts; Keep it open and unrestricted until the bonus pays (within 15 days after you meet the requirement). Chase's fee schedule (effective 6/14/2026) lists no early-closure fee, and the offer terms have no clawback.
When the bonus posts: About 15 days after the requirements are met; Within 15 days after you meet the requirement. The account must be open and unrestricted at payout.

Offer terms

Open a new Chase Total Checking account through Chase's offer page by Jan 27, 2027. Receive $1,000 or more in qualifying direct deposits within 90 days of offer enrollment: electronic deposits of your paycheck, pension or government benefits. Checks, Zelle and other person-to-person payments, micro-deposits, transfers from other bank, brokerage or investment accounts, tax refunds and the other exclusions in Chase's terms don't count. Not available if you have a Chase checking account now, had a Chase account closed in the last 90 days, or had one closed with a negative balance in the last 3 years. One new checking bonus every two years from your last offer enrollment, and one bonus per account. Chase's terms don't state a minimum opening deposit. Reported on Form 1099-INT. The bonus is paid within 15 days after you meet the requirement; the account must not be closed or restricted at payout. Chase's fee schedule (effective 6/14/2026) lists no early-closure fee, and the offer has no clawback.