Total Checking + Chase Savings

Checking

$900

Cash bonus

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How to earn it

All 3 are required

Maintain $15,000 for 90 days
Keep $15,000 in the savings account for 90 days from offer enrollment
Maintain balance · Within 90 days of the start date in the terms
Terms: “Maintain at least a $15,000 balance in the new savings account for 90 days from the coupon enrollment.”
Deposit $15,000 within 30 days
Deposit $15,000+ in new money into the new savings account within 30 days of offer enrollment
Deposit · Within 30 days of the start date in the terms
Terms: “Deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment.”
1 direct deposit within 90 days
Receive a direct deposit into the new checking account within 90 days of offer enrollment
Direct deposits · Within 90 days of the start date in the terms
Terms: “Have your direct deposit made into the new checking account within 90 days of coupon enrollment.”

Who can get this bonus

1 per 2 years“One new checking and one new savings bonus every two years from your last coupon enrollment, and one bonus per account.”

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; Total Checking ($15): $500+ in qualifying electronic deposits, a $1,500+ daily balance, a $5,000+ average daily balance, or a linked qualifying account. Chase Savings ($5): $300+ daily balance, $25+ automatic transfers, a linked qualifying account, or an owner under 25.
Keep the account open: Until the bonus posts; Keep both accounts open and unrestricted until the bonuses pay (within 15 days after each set of requirements; the savings hold runs 90 days from enrollment). 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; Each bonus within 15 days after its requirements are met; the savings bonus and the extra $400 come after the 90-day hold (about day 105 from offer enrollment).
Taxes: Usually reported on a 1099-INT (as interest).

Offer terms

Open a new Chase Total Checking and a new Chase Savings account at the same time through Chase's offer page by Jan 27, 2027. Checking ($300): set up a direct deposit (an electronic deposit of your paycheck, pension or government benefits) within 90 days of offer enrollment; the terms state no minimum amount. Savings ($200): deposit $15,000 or more in new money (not already held at Chase or its affiliates) within 30 days of offer enrollment and keep a $15,000 balance for 90 days. Complete both to earn another $400, for $900 in total. Each bonus is deposited within 15 days after its requirements are met; the accounts must not be closed or restricted at payout. Not available if you had a Chase account closed within 90 days or with a negative balance in the last 3 years. One new checking and one new savings bonus every two years from your last coupon enrollment, and one bonus per account. Reported on Form 1099-INT.