Who qualifies for the Chase $400 bonus?

This bonus is available to new customers only, no account with Chase in past 30 months, all US residents.

How long does it take to earn the Chase bonus?

You can complete the requirements in 90 days. After qualifying, the bonus is typically credited within 15 days. Total time from account opening to bonus: approximately 105 days.

What are the requirements for the Chase bonus?

Set up direct deposit of any amount.

Are there any fees for the Chase Total Checking?

Yes, be aware of: $15/month fee (waivable).

Is the Chase $400 bonus worth it?

The Chase bonus offers $400 in value. After accounting for potential fees, the net value is approximately $400. The requirements are straightforward, making this an easy bonus to earn.

BankOffers.app

CheckingEasy

Chase $400 Bonus

Total Checking

Expires: April 15, 2026✓ Nationwide

Last verified: January 31, 2026View official bank terms →

Bonus Amount

$400

Apply Now

Direct Deposit

Required

Time to Qualify

90 days

Payout Time

15 days

💡 Quick Answers

Who qualifies?

New customers only. No Chase account in past 30 months. Available nationwide.

Fastest way to earn

Complete requirements in 90 days. Bonus arrives within 15 days after qualifying.

Key requirements

• Direct deposit required

Fees & gotchas

• $15/mo fee (waivable)
• No early closure fee ✓

Is it worth it?

$400 bonus with no fees to worry about. Full bonus value! Requirements are straightforward—good for bonus beginners.

🧮 Calculate your personalized net value →

✅ How to Qualify

1Open a Chase Total Checking account
2Make direct deposits totaling $1,000 or more within 90 days of coupon enrollment

📅 Timeline

Day 1

Open Account

Open a new Total Checking account

Within 90 days

Set Up Direct Deposit

direct deposit

15-15 days after qualifying

Receive Bonus

Bonus credited to your account

💵 Fees & How to Avoid Them

Monthly Fee$15 (waivable)

$15 Monthly Service Fee OR $0 with qualifying requirements

💡 This fee can be waived - check bank requirements

Early Closure Fee$0 ✓

⚠️ Things to Watch Out For

•New customers only - existing customers do not qualify
•Cannot have had account in past 30 months
•Promo code required at account opening

❌ You Won't Qualify If...

•You currently have or previously had an account with this bank
•You had an account with this bank in the past 30 months
•You have any existing account with this bank

Ready to Earn $400?

Click below to apply directly on Chase's website.

Apply for Chase Bonus

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