New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure BankingSM account with qualifying transactions. Open online or at any Chase branch. Learn more about this Chase checking account and how to qualify for the $125 bank bonus!
For more current bank offers, see our bank bonuses page. The most popular offers are from Chase Bank, SoFi, KeyBank, BMO and Axos Bank.
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Overview of Chase Secure Banking Account
Chase Secure Banking is a second-chance checking account created for people with bad financial history.
It provides you with an opportunity to establish a traditional banking relationship with one of the most recognizable names in banking while removing a couple of features that may tempt people to overspend.
Chase Secure Banking customers don’t have access to:
- Overdraft Protection – say goodbye to overdraft fees with a Chase debit card that helps you stay within your balance
- Paper Checks – you can use your Chase debit card to make payments instead
This particular Chase checking account is ideal for consumers who had problems maintaining a checking account in the past and young people just starting out on their financial journey.
Chase Secure Banking $125 Checking Bonus
Get a $125 bonus when you open a Chase Secure Banking account and complete at least 10 qualifying transactions.
How To Earn Bonus:
- Open a new Chase Secure Banking account using this link.
- Complete at least 10 qualifying transactions within 60 days after account opening.
- Receive a $125 bonus deposited into your account within 15 days of completing the qualifying transactions.
A qualifying transaction includes:
- debit card purchases
- Zelle®
- ACH credits
- Chase QuickDepositSM
- online bill payments
Ninja Note: Direct Deposits don’t count as a qualifying transaction for this sign-up bonus offer.
You can also open this account at a Chase branch by requesting a coupon on Chase’s landing page for this promotion.
Am I Eligible For The $125 Bonus?
You are eligible for the $125 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: 07/15/2026
Household Limit: None
Direct Deposit Required: No
Monthly Fee: $4.95
Early Account Termination Fee: None listed
What Are The Fees?
The Chase Secure Banking checking account has a monthly service fee of $4.95 or $0 when you have one of the following during each monthly statement period: Option #1: $250+ in qualifying electronic deposits; OR, Option #2: an account owner who is age 17-24).
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees – Chase Secure BankingSM allows you to spend only the money you have available.
- Chase Secure BankingSM customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure BankingSM account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
For information on other miscellaneous fees, read this PDF document that details everything you need to know about the Chase Secure Banking account.
The Bottom Line
For those who made a few mistakes financially, the Chase Secure Banking account is a good way to establish a relationship with a premier bank. Customers told Chase they save an average of more than $60 per month on fees after opening their account. The $125 bonus is also a nice little cherry on top.
I recommend the Chase Total Checking® account instead for people with a better track record. That account comes with more features and you can waive the monthly fee in a number of ways. It also comes with a higher $400 bonus offer (Chase had a $600 offer at one point, but that offer has expired).
I’ll include this in the list of bank account opening bonuses.
JPMorgan Chase Bank, N.A. Member FDIC.
