Chase Total Checking®

Chase $600 Bonus for Checking + Savings (2022)

Chase is offering a $600 bonus for opening up a checking and savings account. This is one of the best bank bonuses that you can take advantage of! We recommend you do this if you’re eligible.

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

Ninja Update: Finally, this incredible Chase bonus is back for 2022 after a two year gap! Learn more about this promo, bonus eligibility, and offer requirements below. This is stackable with the $300 Chase business checking offer for a total bonus of $900!

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

After a two year hiatus, Chase has brought back an incredible promotion right now offering a total of up to $600 in bonuses 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 for both (an extra $100 bonus).
Chase $600 bonus offer
(Screenshot from Chase Bank)

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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.

Where do I enroll?

You can learn more about this Chase bonus and enroll in the offer with the button link provided below. This is the 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)

What are the details?

Availability: Nationwide
Expiration: 10/19/22
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:

  • Checking Account: Receive a bonus of $300 when you open a Chase Total Checking account and have a direct deposit within 90 days of account opening.
  • Savings Account: 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.

Ninja Note: For the checking account bonus, I recommend having a real direct deposit of any amount to trigger the bonus. In the past, there were many other transfers that counted as a direct deposit, but it seems like it hasn’t worked with Chase lately.

Avoiding Fees

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

Checking Account:

  • 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

Savings Account:

  • 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 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 $300 (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’ve done this for all four of my family members – it’s an easy $2,400 in free money!

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

89 thoughts on “Chase $600 Bonus for Checking + Savings (2022)”

  1. 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.

    Reply
  2. 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??

    Reply
    • 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.

      Reply
      • 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! 🙂

        Reply
        • 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.

          Reply
  3. 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.

    Reply
  4. 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

    Reply
  5. 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.

    Reply
  6. 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?

    Reply
      • 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.

        Reply
        • 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).

          Reply
  7. 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?

    Reply
    • 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.

      Reply
  8. 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?!?

    Reply
    • 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.

      Reply
  9. 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?

    Reply
  10. 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?

    Reply
  11. 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?

    Reply
    • 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.

      Reply
  12. 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.

    Reply
  13. 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 ?

    Reply
      • 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

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

      Reply
  14. 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.

    Reply
    • 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.

      Reply
    • 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.

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

    Reply
  16. 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?

    Thanks!

    Reply
    • 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?

      TMN

      Reply
      • 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.

        Reply
        • 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!

          Reply
  17. 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

    Reply
  18. Datapoint

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

    Reply
  19. 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.

    Reply
  20. 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……

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

    Reply
  22. 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?

    Reply
    • 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.

      Reply
  23. 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?

    Reply
  24. 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?

    Reply
    • 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.

      Reply

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