Chase $600 Bonus for Checking + Savings (2023)

Chase is offering a $600 bonus when you open both a Chase Total Checking® account and a Chase SavingsSM account and complete qualifying activities.

This is one of the best bank bonuses that you can take advantage of. I recommend you to do this if you’re eligible. Full details of this combo checking and savings account offer below.

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

Ninja Update: Finally, this incredible Chase bonus is back after a two year gap! Learn more about this promo, bonus eligibility, and offer requirements below. This is also stackable with the $500 Chase business checking offer (you don’t need a registered business) and the $3,000 Chase Private Client offer for a total bonus of $4,100!

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 Checking + Savings $600 Bonus Offer

Chase has brought back an incredible promotion, offering a total bonus of $600 when you open a checking and savings account and complete qualifying activities:

  • Get $300 when you open a new Chase Total Checking® account.
  • Get $200 when you open a new Chase SavingsSM account.
  • Get $600 when do you both (an extra $100 bonus).
Chase $600 bonus offer
(Image from Chase Bank)

Who qualifies for the Chase $600 bonus?

You are eligible for one Chase checking bonus and one savings account opening related bonus every two years from the time of your last bonus enrollment or coupon enrollment date.

Each account type has a separate timer, so if for example you enrolled in a checking bonus from Chase in the last two years, but didn’t open a savings account within the same time frame, you’re eligible for the savings bonus.

The other eligibility requirement is the checking offer is not available to existing Chase checking customers and the savings offer is not available to existing Chase savings customers. Both offers are also not available to customers whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.

What are the details?

Availability: Nationwide
Expiration: 7/19/23
Household Limit: None (everyone in your family can get the bonus!)
Direct Deposit Required: Yes, any amount for checking account
Soft/Hard Pull: Soft
Early Account Termination Fee: Must keep the account open for 6 months or you will forfeit the bonus

The Chase $600 bonus is broken up as follows:

  • Chase Total Checking®: Receive a bonus of $300 when you open a Chase Total Checking account and have a direct deposit within 90 days of account opening.
  • Chase SavingsSM: Receive a bonus of $200 when you open a Chase Savings account and deposit $15,000 or more in new money into the new savings account within 30 days of account opening and maintain a balance of $15,000 for 90 days.
  • Extra Bonus: Receive an extra $100 bonus when you open the checking and savings account at the same time and complete all requirements for both the checking bonus and savings bonus.

Chase will deposit the bonus due within 15 days of completing the requirements.

Where do I enroll?

You can learn more about this Chase bonus and enroll in the offer with the link below. This is a direct link to Chase’s promotional landing page:

You can either apply directly online, or enter your email address and Chase will send you a coupon which you bring with you to a Chase branch.

(Screenshot from Chase Bank)

>> Related Posts:

Avoiding Fees

The Chase Total Checking® account has a monthly fee of $12 and the Chase SavingsSM account has a monthly fee of $5. Both can be waived if you do ONE of the following each monthly statement period:

Chase Total Checking®:

  • Keep a minimum daily balance of $1,500 or more
  • Keep an average daily balance of $5,000 or more in all your qualifying Chase accounts combined

Chase SavingsSM:

  • Keep a minimum daily balance of $300 or more
  • Have at least 1 repeating automatic transfer of $25 or more from your Chase checking account (one-time transfers do not count)
  • Have a linked Chase Better Banking Checking, Chase Premier Checking, Chase Premier Plus Checking, Chase Sapphire Checking, or Chase Private Client Checking account

Chase $600 Bonus Terms & Conditions

  • Account Closing: If either the checking or savings account is closed by the customer or Chase within six months after coupon enrollment, we will deduct the bonus amount for that account at closing.
  • Offer Eligibility: Checking offer is not available to existing Chase checking customers and savings offer is not available to existing Chase savings customers. You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. 
  • Bonuses: Bonus offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance.
  • Taxes: Bonuses are considered interest income and will be reported on IRS Form 1099-INT.

The Bottom Line

This is the best promotion Chase has offered to the public and definitely belongs in the list of the best bank bonuses.

I also opened the Chase Business Complete Banking℠ for an additional $500 (business account bonuses are considered separate offers so you can do both). It’s a great checking account to actually use too.

In the past, you could have done this every year, but since it got so popular, they have increased the time required between receiving bonuses to every two years.

The savings account requirement of depositing and maintaining $15,000 for 3 months may be difficult for some people, but everyone should at least be opening up a checking account if eligible. Getting $300 for having one direct deposit is easy breezy, lemon squeezy.

I did this deal for all four of my family members – easy $2,400 in free money!

Editor’s Note: We’re not compensated for this article and the links contained are not monetized.

100 thoughts on “Chase $600 Bonus for Checking + Savings (2023)”

  1. With the new offer that expires in July I can not find anywhere in the terms and conditions that the account must be open for 6 months or the bonus will be withdrawn. I checked all of the spots I could think of for terms listing. Is this not the case anymore?

    • I also don’t see the six month early account termination penalty either. Maybe someone who is going to take part in this latest offer can provide a data point for us.

  2. Hope someone answers . . . Does this just require a one-time direct deposit of any amount?
    Will an ACH push from my regular hometown bank count? Will a transfer/push from Charles Schwab work? I see you have Vanguard scratched out on the “what counts as DD” list. Hate to hassle with my government paycheck just to make one DD.

    If I open these 2 Chase accounts, I’m hoping to get approved for a Chase Business credit card with a good sign up bonus. Got denied a yr ago partly because of “no other banking relationship” with them. Also because I paid off loans and don’t have any current mortgage or car payment. They actually WANT you to owe money and be paying on other loans. Weird. My credit score is high.

    • The checking account bonus is a one-time direct deposit of any amount. I made a $1 direct deposit and can verify that it worked to trigger the bonus.

      Chase Bank is very strict with the direct deposit requirement though, so other methods that may work for other bank bonuses won’t work with Chase.

  3. This is not a good deal for the customers. The interest rate is .01%, the bank will make back the $600 bonus in 4 or fewer months on your $15,000 deposit. chase is pretending to give you $. Schwab has a 3% cd for 1 yr which would be better for most customers who have $15,000 to deposit. Looks are deceiving sometimes.

      • It’s not $600 bonus, only $200 – “Receive a bonus of $200 when you open a Chase Savings account and deposit $15,000 or more in new money into the new savings account within 30 days of account opening and maintain a balance of $15,000 for 90 days.”

        Their advertising is deceptive because it’s not 90 days, it should say 180 days and deposit $15,005.00. If you close the account prior to 180 days (6 months) they take their $200 back. Also, if the account doesn’t get funded immediately (same day). The following month they charge you a $5 fee for not having a minimum of $300 at the start of each day, which brings your balance down to $14,995 in essence voiding the offer. They are a terrible bank!

        • I was thinking the same about the bonus on the saving account. I did not expect it to be the case that I have to keep the money in the account of 15k for 6 months. The banker who opened my account did not even tell me that I had to deposit 15k on the same day I open the account. Oh dang it

        • Did this actually happen to you (about charging a service fee the first month because your account wasn’t immediately funded, and then voiding the offer because your account went below $$15,000) or are you just speculating that they would do this?

    • This math is still wrong. To get $450 from a CD you’d need to leave the money in for 1 yr. In this case you only need the full amount in for a bit over 3 months… so the 3% CD (if you could get one for 3 months, which you can’t) is only worth $112.

      Also, you do not need to leave the full $15K in for 6 months. After 3 months, you can reduce your balances to $300 in the savings account and $1500 in checking.

      Also, I don’t believe that Chase will charge a fee for having a zero balance when you open the savings account. Most banks give you a month after new account opening, without fees. But, I always deposit a bit more than $15,000 just in case.

      HOWEVER, Chase is being stricter than ever about the “direct deposit.” I made a deposit from my Vanguard IRA, and I’m currently fighting with Chase over whether this is truly a retirement account. Now that I’ve sent them screen-shots from Vanguard, I expect Chase to honor the deal – but – I wouldn’t try this again without carefully considering the direct deposit source.

    • I just got this offer in the snail mail with a coupon code, and am considering doing it if I can get them to hone a push transfer from my TD Ameritrade account as a direct deposit.

      Are they still only paying .01% interest on this savings accounts, or have the interest rates gone up to at least full percent numbers with the other banks? (My Discover and Citibank savings accounts are both paying more than 3.5% currently).

  4. I see this was updated around February 2022, but I checked throughout December ’21 and January ’22 and did not see the offer?

    When was the $600 combined bonus last officially offered??

    • Hi Rena – the post was updated to clarify the promotional terms and conditions. It’s been a while since Chase offered $600 for opening both a savings and checking account. Currently, there’s a $225 bonus for a personal checking account and a $300 for a business checking account.

      • Thanks, John! I just checked again and so bummed the $600 combined offer hasn’t come back within the last year or two? If I were to take advantage of the personal checking bonus by opening that account, would I be eligible later down the road to take advantage of the savings account bonus when offered?

        Additionally, I’m looking to open a joint account with my husband (a checking and savings) along with opening an account for just myself (also checking and savings). My husband is already a Chase member, but I am not.

        1.) If I were to open a joint account with him – would we qualify for the bonuses or no because he will be on the account and he is already a banking client?

        2.) If I later opened up a checking/savings account for myself, and we DID get the bonus for our joint account previously, I am assuming I would not qualify for a bonus later down the road under just my name?

        Thanks for your help – great website with super useful information! 🙂

        • Yes, you can take advantage of a Chase savings account bonus if one becomes available later. You can even get another Chase checking account bonus if you decide to close it and it’s been 24 months since you received a checking bonus.

          Here are all Chase Bank promotions currently available.

          1. To my knowledge, you won’t get the bonus on joint accounts. Even if you could, you may not qualify because your husband has an existing account. You wouldn’t want the bonus tied to both your Social Security numbers anyway 🙂

          2. See my answer to #1 above.

  5. The “direct deposit” requirement was hard for me to figure out! I tried so many things that did not work: zelle, venmo, bank transfer, xoom transfer, a payment from my business checking account, a real-time transfer, merchant payment, paypal transfer…
    What finally worked for me was paying the $25 monthly fee on my Business checking account and sending money (I did not see a minimum) via ACH. It did take 7 business days to show I met the requirement.

  6. Hi. Why did you delete the chase $225 promotion page? The link to this page does not work. I just really wanted to take part in this action. Please tell me where to send the transfer to the chase, so that it counts it as a direct deposit? It’s just that on your page with information about direct deposit, I saw methods that are definitely not relevant anymore. Can you please tell me what will work for sure now? And please sorry for my bad english

  7. I just recently found out. PNC bank does not accept my direct deposit from CA unemployment after did all the requirements

    They are the only bank I came across who has this issues.

    I even went through the trouble report them their faults advertisement, illegal unfair competition practice to CFPB.

    Hope more people will report them.

    Be aware ! Caution.

  8. I’m waiting for the $500/$600 offer to come back but also waiting for another Sapphire banking bonus as well.
    Will getting the $500/$600 bonus disqualify me for potential future Sapphire bonus? or are they separate products and can get both?

      • Thanks for this info site!

        If we “like” (heart) an article, do we get automatic email updates? Or do we have to sign up for all emails? (I just want to follow certain subjects like when Chase brings back the $600 bonus.)

        Please advise.

        • Hi SD!

          If you “heart” an article, it just saves it to your profile so you can reference it in the future. There are no emails associated with the heart. If you want to receive my newsletter, you can use one of the forms that show up on every post.

          It’s a general email with a roundup of the deals. I don’t spam my readers – expect to receive 1 email a month (2 max).

    • and if we open an account and just pay the 15 and 5 dollar fee…. does that make us eligible for the bonus still, since it’s the alternative to the balance requirements???? because the whole point of this for me is I don’t have 200-300 dollars to put in immediately. I need $600 !

  9. I’m interested in switching to a Chase checking account but have no real urgency. Am I better off waiting for a higher bonus instead of the $200 they are offering right now, assuming $200 is one of the lower bonuses?

    • The $500 and $600 bonuses have come quite often in the past – I think there were a handful of them (4-5) in 2020. That being said, it’s up to Chase gods. We haven’t seen anything yet this year and we’re 1/4 of the way through.

  10. I have been wanting to get into this” free” extra money but I am hesitant… it has to be a downside… what about your credit? Score? Report? Would it look ok to have so many accounts opened and closed in such a short time?!?

    • There really isn’t a downside to chasing bank bonuses. There’s no effect on your credit score since you’re not getting a loan or credit.

      I open 25+ bank accounts in an average year and nothing adverse has happened.

  11. Hello – The above link to enroll is giving me a chase message saying I am not authorized to view the page. Any chance there’s an updated link to share?

  12. I saw the offer for the $500 bonus. Does this mean my husband and I can each open separate checking/saving accounts and each get the $500 bonus?

  13. How do I go about getting both the Chase checking and savings bonus? I think I read if you already have a Chase Checking (I don’t) you can’t get the Savings account bonus. Is there a way to sign up both at the same time?

    • I believe you can get the savings bonus and checking bonus separately – you just won’t get the extra bonus for doing both.

      The application process will open both accounts at the same time though. Early in the process it will give you this choice.

  14. Money Ninja, one correction. In the grey update box, “Ninja Update 11/18/20” should read “Ninja Update 10/18/20” (i.e., “10” instead of “11). Thanks for the good content.

  15. Hey Money Ninja, I was looking for the $600 bonus coupon code but I can’t find any link. Any idea where can I get it or any other offer at Chase or any other bank that I can use ?

      • Thanks Money Ninja. I looked at Santander offer but I do not qualify as I don’t live in the eligible states. I even looked into Citizens bank 600 bonus offer but that seems to me over on 1 Oct as well. Let me know if Chase or Citizens or any other banks offer comes back. I will follow this thread ! Thanks

    • Thanks money ninja! Waiting for the big chase offer to come back. It’s been a while. Hopefully it will come back soon! 🙂

  16. I’m having trouble triggering the direct deposit for Chase Bank. I tried Acorn, Amazon payments and Pen Fed. I’m afraid that I’m going to lose the sign up bonus. I read the Capital One 360 didn’t work recently too.

    • Hi Catyanna,

      I don’t have data points on Acorn, but a lot of people reported PenFed working. I’ve personally used Fidelity and Santander before and they both worked.

      How long since you pushed payments to Chase? I ask because the bonus doesn’t post immediately.

    • Hi Tran. You won’t be eligible as an existing account holder or if you’ve closed the account in the last 90 days.

      Most people in your situation just close both accounts, wait the 90 days, and then apply for the savings and checking accounts again to receive the bonus.

  17. Hi, I opened checking and saving account And qualified for the 600 bonus, how much is the minimum direct deposit?

  18. The info says that the offer is good through 7/2, but I tried it and keep getting an “Oops” page. Any idea on an updated link?


    • Hi Kari,

      Thanks for alerting me to this. It seems that Chase pulled the offer a day early. They usually give a new link within a few days and I will definitely update it when they do.

      So hang tight! You can also complete the other bank bonuses we list on this site. Have you done the others?


      • Thanks so much. I’m reviewing some of the others, but I’m excited for this one because my credit cards are Chase, and I’d like the ease of banking under one roof.

        • Totally get it, I’m the same way! I use Fidelity for everything to make life easier.

          For bank bonuses, I usually open the account, get the bonus, cancel the account, wait until I’m eligible again, and repeat the bonus process. To me, $300-$600 is worth the small effort.

          Welcome to the site, Kari. Hope you find it useful for your personal finances. Not sure how you found us, but glad you’re here and commenting!

  19. Adding a DP for Chase:

    5/21/20 opened chase total checking
    5/28 pushed $25 from TD Ameritrade (coded as ACH PPD)
    6/2 $200 bonus posted

  20. Datapoint

    5/18 – Opened
    5/20 – Pushed $501 from PenFed (received direct deposit notification)
    5/26 – $300 bonus pending in account.

  21. I received my bonus last Friday. I deposited the required amounts through Fidelity by connecting my Fidelity account to Chase and doing an electronic transfer initiated from the Fidelity account.

  22. Just finished my deposits and waiting for the bonus to show up. I can’t believe I have been signing up for bank accounts for things like a free beach blanket……

  23. all bank bonuses are taxable as interest. think of the bonus as interest you normally earn from your accounts.

  24. Anyone know when you become a new customer again? I know it’s 24 months, but is it 24 months after you opened an account or 24 months after the bonus gets posted or 24 months after you close the account?

    • Of course you will get a 1099-INT. Chase says so in its fine print terms. Besides which, IRS treats all bonuses of this kind as interest, which they are, because they are payments to you for the use of your money over time.

  25. I heard Chase is cracking down on both push and pull methods. No hard data, but wondering if anyone else heard anything with Chase Bank?

  26. I was reading in the information section the direct deposit should be a paycheck, pension, or government check, ex. Social Security. Is my understanding correct?

    • I just updated the link. The $600 offer expired, but I suspect Chase will offer it again as they have in the past. There is a $350 one that is available right now though if you don’t want to wait.


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