Chase Total Checking®

Chase $600 Checking and Savings Bonus

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.

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Chase $600 Checking and Savings Account Overview

Chase has brought back an incredible promotion right now that gives you a chance to get up to $600 in bonuses.

This is open to the public and ends in a couple of months, but don’t wait until the last minute! Sometimes they pull the offer before the expiration date, so I would jump on it if you’re interested.

The current offer summary:

  • Get $300 with a new checking account and another $200 with a new savings account with qualifying activities.
  • Plus, get an extra $100 bonus when you do both!
Chase $600 bonus offer

Where do I enroll?

You can enroll directly at the promotion page Chase has set up for this special offer, linked below:

Ninja Update 4/7/22: The $600 offer has expired and is no longer available on any site. The current promotion is a $200 Chase Total Checking account bonus (see this post for details) that you can get right now!

Looking for other bank bonuses? See this post for the best bank bonuses currently available on this page.

Who qualifies for the Chase $600 bonus?

Everyone is eligible for one checking bonus and one savings account opening related bonus every 2 years from the time you last received a bonus from Chase.

That also means if you had a checking bonus from Chase in the last 2 years, but never opened a savings account, you can get the bonus for the savings (and vice versa).

You also can’t be a current customer for the specific account you’re applying to.


What are the details?

Availability: Nationwide
Expiration: 10/1/20 (see new offer link here)
Household Limit: None (everyone in your family can get the bonus!)
Direct Deposit Required: Yes, any amount for checking account (see what counts as a direct deposit)
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 with $25 or more 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 within 20 days of account opening and maintain a balance of $15,000 for 90 days
  • Extra Bonus: Receive an extra $100 bonus for completing both account bonuses

After you have completed all requirements, Chase will deposit the bonus due within 10 business days.

Ninja Note:

For the savings account bonus, I recommend depositing the $15,000 by writing a check out to yourself from a checking account you have at another bank. Then use mobile deposit or deposit the check at a physical Chase branch. It appears as though electronic bank transfers for an amount that large triggers a security alert with Chase and it’ll take a call to their customer service to clear warning – you can avoid the hassle with a check deposit.

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 very recently.

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.

Chase Bank bonus account opening options

Avoiding Fees

The checking account has a monthly fee of $10-12 and the savings account has a monthly fee of $5, both can be waived if you do ONE of the following:

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

Terms & Conditions

  • Checking offer is not available to existing Chase checking customers.
  • Savings offer is not available to existing Chase savings customers.
  • Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance.
  • 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. 

The Bottom Line

This is the best promotion Chase has offered to the public.

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’s requirement of leaving $15,000 in there for 3 months may be difficult for some people to do, but everyone should at least be opening up a checking account. Getting $300 for putting $25 in and having one direct deposit is easy breezy, lemon squeezy.

I’ve done this for all 4 of my family members – it’s an easy $2,400 in free money!

86 thoughts on “Chase $600 Checking and Savings Bonus”

  1. 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.

  2. 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.

  3. 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

  4. 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.

  5. 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).

  6. 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.

  7. 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?!?

  8. 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?

  9. 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?

  10. 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.

  11. 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.

  12. 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! 🙂

  13. 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.

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

  15. 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!

  16. 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

  17. Datapoint

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

  18. 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.

  19. 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……

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

  21. 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.

  22. 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?

  23. 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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