Chase $200 Checking Account Bonus

Chase is offering a $200 bonus for new Chase checking customers that open a Chase Total Checking® account with qualifying activities! Learn more about this Chase bank bonus and how to take advantage of the offer.

For more current bank offers, see our bank bonuses page. The most popular offers are from Chase BankSoFi, U.S. Bank, and Axos Bank.

This post may contain affiliate links, meaning I get a commission at no cost to you if you decide to make a purchase through my links. Visit this page for more information. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Chase Total Checking $200 Bonus

Earn a $200 bonus when you open Chase Total Checking account with qualifying activities. The Chase Total Checking account is the most popular checking account in Chase’s lineup and now you can earn a bonus for getting one.

How To Earn Checking Bonus:

  1. Open a Chase Total Checking account via this link.
  2. Make direct deposits totaling $500 or more within within 90 days of coupon enrollment.
  3. Receive a $200 checking bonus deposited into your account within 15 days of meeting the direct deposit requirements.

Click the ‘View Offer‘ link above to reach Chase’s landing page for this promotion. You can apply online directly through the link or enter your email address to have an offer coupon emailed to you and bring it to a Chase Branch.

Chase $200 checking bonus offer
(Image from Chase Bank)

Am I Eligible For The $200 Bonus?

You are eligible for the $200 bonus if you’re considered a new Chase checking account customer, which means:

  • You don’t have an existing Chase checking account or closed one within the last 90 days
  • You haven’t received a new checking account opening related bonus in the last 2 years
  • You didn’t close a checking account with a negative balance within the last 3 years

If you satisfy those three conditions, then you can take advantage of this bonus offer.

What Are The Offer Details?

Availability: Nationwide
Expiration: 1/24/2024
Household Limit: None
Direct Deposit Required: Yes, $500+ within 90 days
Early Account Termination Fee: None listed

What Are The Fees?

The Chase Total Checking account has a monthly service fee of $12, but that can be waived to $0, when one of the following happens during each monthly statement period:

  • Receive electronic deposits 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 network, or (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network OR
  • Have a monthly balance at the beginning of each day of $1,500 or more in this account OR
  • Have 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

For information on other miscellaneous fees, read this PDF document that details everything you need to know about the Chase Total Checking account.

The Bottom Line

I’m a big fan of Chase and have been deep in their ecosystem for years now as a cardholder of the Chase Sapphire Reserve, Chase Ink Cash, and Chase Hyatt credit cards along with having a Chase checking and savings account.

Chase has offered higher sign-up bonuses for their checking accounts in the past, but this is currently the highest available nationwide bonus.

This should be easy to do for most people since it only requires a direct deposit total of at least $500 to trigger the $200 bonus. While this is higher than the previous requirement where any direct deposit amount worked, the requirement is still lower than the majority of other banking bonuses.

For all other offers from Chase, see this Chase Bank promotions page.

JPMorgan Chase Bank, N.A. Member FDIC.

About John Pham

John Pham is a personal finance expert, serial entrepreneur, and founder of The Money Ninja. He has also been fortunate enough to have appeared in the New York Times, Boston Globe, and U.S. News & World Report. John has a B.S. in Entrepreneurship and a Masters in Business Administration, both from the University of New Hampshire.

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2 months ago

Over the last week I have tried multiple times to open an account at Chase. At the point where you enter your address the system does not recognize my address as valid and will not let me proceed. The error message I receive is “Your address needs to include a street address. It can’t be a C/O address”.

Andrew S
Andrew S
1 year ago

There is no mention in the Terms and Conditions for the Chase bonus that you must keep the account open for 6 months to keep the bonus. Please advise where this is stated or if this is an old requirement.

Shelley Berson
Shelley Berson
1 year ago

I spoke to bank rep today that said
Once you open both checking and savings you are not eligible to get savings bonus when it’s offered again.

Johnny Elizondo
Johnny Elizondo
2 years ago

Hi I recently open a new chase on Oct 20, 2021 account because I saw the $225 bonus for new customer so I was wondering since I link my bank called Mybambu with chase and made a direct deposit with $10 ACH credit do I qualify for the $225 bonus ? So on Thursday Nov 4, 2021 will be the 15 days hopefully the $225 chase bonus gets deposited?

2 years ago

Do you think it’s worth opening it now, or should I wait for a better deal?

2 years ago

So if I understand it right, I can split my paycheck and have any amount sent to this checking account and I’ll get $250?

I might keep the account because it has nice features and no/low fees, but I’m not ready to change my banking yet. I just want to make sure if I deposit something like $1 that I’m not screwing myself up.

2 years ago
Reply to  John Pham

I already had a direct deposit from my job to another account and I just recently opened up a new Chase bank account and was trying to get the $225 bonus what other deposits can I do into the account to get the bonus other than a direct deposit? Can I transfer it from a money network card?

2 years ago

Do yourself a favor. If you open a new checking account, whether it’s personal or business, do it in a branch.
And bring a check to fund your account.
That would be the safest way to prevent your account from being locked up