Chase $400 Checking Bonus

Update 10/2/26: Extended to 01/27/2027

Update 7/15/26: Extended until Extended until 10/14

Extended to 7/15/2026

Note: There is a $900 checking & savings bonus as well. This $400 bonus is only worth considering if you’re unable to complete the savings portion of that offer (requires $15,000 deposit for 90 days). 

Offer at a glance

• Maximum bonus amount: $400
• Availability: Nationwide, online or in-branch
•  Direct deposit required: Yes, $1,000+ within 90 days. Click here to view what triggers this bonus.
• Additional requirements: None for checking; $15,000 balance for savings
• Hard/soft pull: Soft
• ChexSystems: Doesn’t pull
• Credit card funding: Can fund up to $50 with a debit card online (prepaids do not work). Cannot fund with debit or credit in branch.
• Monthly fees: $12, waivable
• Early account termination fee: None
• Household limit: None listed
• Expiration date: 04/15/2026

The Offer

Direct link to offer

• Chase is offering a $400 bonus when you open a new total checking account and complete the following requirements:
  • Make $1,000 in direct deposits within 90 days of account opening

The Fine Print

• You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

The Chase Total Checking account comes with a monthly service fee of $15 which is waived if complete any of the following:

• Have monthly deposits totaling $500 or more
• Keep a minimum daily balance of $1,500 or more in the checking account
• Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances

New accounts will not be charged a Monthly Service Fee for at least the first two statement periods.

Early Account Termination Fee

There is no longer any EATF. 

Referral

You can use a referral for this bonus. The person signing up gets the standard $400 bonus, the person referring gets $50. You can find referrals in this linked post. Please do not share referrals in the comments below and remember there is no advantage to using a referral link for the person signing up apart from helping somebody else get $50. 

Our Verdict

The $900 bonus is better unless you don’t have the funds available as it works out to be over 13.3% APY for that 90 day hold period. Obviously not everybody has access to $15,000 and can hold it for 90 days so this is an extra $100 over the standard $300 checking bonus. We will add this to our list of the best bank account bonuses. 

Hat tip to reader Montgomery

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times