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Chase Checking & Savings Bonus
Bank

Chase Checking & Savings Bonus — Up to $900 + $25

Apply to Chase Checking & Savings Bonus and earn up to $925 in combined sign-up and referral bonuses.

See all Chase offers →

Bonus Tiers

DepositBonus
$0$300
$15,000$200
Both checking + savings$400 (additional)

Hold Period

90 days (savings deposit balance must be maintained)

Qualifying Period

90 days (checking direct deposit); 30 days (savings deposit)

Payout

Within 15 days after completing requirements

Requirements

  • ✓Direct deposit to checking account (within 90 days of coupon enrollment)
  • ✓Deposit $15,000+ to savings account (within 30 days of coupon enrollment)
  • ✓Maintain $15,000 balance in savings for 90 days
  • ✓Both accounts must remain open at time of payout
  • ✓Open Chase Total Checking account (requires approval)
  • ✓Direct deposit of any amount to checking within 90 days of coupon enrollment
  • ✓Open Chase Savings account (requires approval)
  • ✓Deposit $15,000+ in new money to savings within 30 days of coupon enrollment
  • ✓Maintain $15,000 balance in savings for 90 days from coupon enrollment
  • ✓For $900 combo: must open both accounts at same time and complete all requirements for both bonuses
  • ✓Accounts must remain open and not restricted at time of payout
  • ✓Open Chase Total Checking account
  • ✓Direct deposit of $1,000 or more within 90 days (for $400 bonus)
  • ✓For savings: deposit $10,000+ within 30 days and maintain for 90 days
  • ✓Open Chase Total Checking account (checking bonus)
  • ✓Set up direct deposit within 90 days of coupon enrollment (checking bonus)
  • ✓Open Chase Savings account (savings bonus)
  • ✓Deposit $15,000 or more in new money within 30 days of coupon enrollment (savings bonus)
  • ✓Maintain $15,000 balance for 90 days from coupon enrollment (savings bonus)
  • ✓New money cannot be existing Chase funds
  • ✓Open a Chase Total Checking account
  • ✓$1,000+ in direct deposits within 90 days of checking coupon enrollment
  • ✓Open a Chase Savings account (separate)
  • ✓Deposit qualifying new money within 30 days of savings enrollment
  • ✓Maintain new money for 90 days in savings account
  • ✓$1,000+ direct deposit to checking within 90 days of enrollment
  • ✓Open Chase Savings account
  • ✓$15,000+ new money deposit to savings within 30 days of enrollment
  • ✓Maintain $15,000 balance in savings for 90 days from enrollment
  • ✓Account must not be closed or restricted at payout time
  • ✓$1,000+ direct deposit required for checking (within 90 days of enrollment)
  • ✓$15,000+ new money deposit into savings (within 30 days of enrollment)
  • ✓Open new Chase Total Checking account
  • ✓Direct deposit (paycheck, pension, or government benefits) within 90 days for checking bonus
  • ✓Deposit $5,000+ in new money within 30 days for deposit-based bonuses
  • ✓Maintain required balance for 90 days from coupon enrollment for savings bonus ($15,000)
  • ✓Set up direct deposit of paycheck, pension, or government benefits within 90 days of coupon enrollment
  • ✓Open new Chase Savings account
  • ✓Deposit $15,000+ new money to savings within 30 days
  • ✓Open both accounts at the same time to qualify for $400 extra bonus
  • ✓Direct deposit (any amount) to checking within 90 days
  • ✓$15,000 deposit to savings within 30 days (for combo/savings bonus)
  • ✓Accounts subject to approval
  • ✓Open a new Chase Total Checking account and set up a direct deposit within 90 days of coupon enrollment
  • ✓Open a new Chase Savings account and deposit $15,000+ in new money within 30 days, then maintain $15,000 balance for 90 days (for the tiered bonuses shown)
  • ✓For $900 combo bonus: Must open both checking and savings at the same time and complete all requirements for both
  • ✓Open new Chase Total Checking account and receive direct deposit within 90 days of coupon enrollment
  • ✓Open new Chase Savings account and deposit $15,000+ in new money within 30 days and maintain for 90 days
  • ✓New money cannot be funds held at Chase or its affiliates
  • ✓For combo bonus: complete both checking and savings requirements
  • ✓Open new Chase Total Checking account and a new Chase Savings account
  • ✓Have direct deposit made to checking account within 90 days of coupon enrollment
  • ✓Deposit $15,000+ in new money into savings account within 30 days of coupon enrollment
  • ✓Deposit $15,000 or more in new money into savings account within 30 days of coupon enrollment
  • ✓Maintain at least $15,000 balance in savings for 90 days from coupon enrollment
  • ✓Open new Chase Total Checking account and new Chase Savings account
  • ✓Direct deposit made to checking account within 90 days of coupon enrollment
  • ✓Deposit $15,000+ in new money to savings account within 30 days and maintain for 90 days
  • ✓New money cannot be funds held at Chase or affiliates
  • ✓Open Chase Total Checking account and receive direct deposits (paycheck, pension, or government benefits) totaling at least $1,000 within 90 days of coupon enrollment
  • ✓Open Chase Savings account and deposit $15,000+ in new money within 30 days of coupon enrollment
  • ✓Both accounts must be opened at the same time for $900 bonus

Restrictions

  • ⚠New checking and savings customers only
  • ⚠Not available to those who closed an account within 90 days
  • ⚠Not available if account was closed with negative balance in last 3 years
  • ⚠One checking bonus and one savings bonus per account every 2 years
  • ⚠New customers only
  • ⚠Not available to existing Chase checking customers
  • ⚠Not available to existing Chase savings customers
  • ⚠Not available if accounts closed within 90 days or closed with negative balance within 3 years
  • ⚠One checking bonus and one savings bonus per account every two years from last coupon enrollment date
  • ⚠Coupon valid one time only
  • ⚠Not available to existing Chase checking customers or those closed within 90 days or with negative balance in last 3 years
  • ⚠One bonus per account, one per household every 2 years
  • ⚠Not available if account closed within 90 days or closed with negative balance within 3 years
  • ⚠One new checking bonus every 2 years from coupon enrollment date
  • ⚠One bonus per account
  • ⚠New customers only (not existing Chase checking customers)
  • ⚠Accounts closed within 90 days or with negative balance within 3 years ineligible
  • ⚠One new checking bonus every 2 years from last coupon enrollment date
  • ⚠New customers only (not for existing Chase checking/savings customers)
  • ⚠Accounts closed within 90 days or closed with negative balance within last 3 years ineligible
  • ⚠One new checking bonus every two years from last coupon enrollment
  • ⚠One new savings bonus every two years from last coupon enrollment
  • ⚠New customers only — offer not available to existing Chase checking customers
  • ⚠Accounts closed within 90 days or closed with negative balance within last 3 years are not eligible
  • ⚠One new checking account opening bonus every two years from last coupon enrollment
  • ⚠New customers only (not available to existing Chase checking/savings customers)
  • ⚠Not available if account closed within 90 days or closed with negative balance within last 3 years
  • ⚠One new checking bonus every two years from last coupon enrollment date
  • ⚠One new savings bonus every two years from last coupon enrollment date
  • ⚠Coupon good for one-time use only
  • ⚠New customers only — not available to existing Chase checking or savings customers
  • ⚠Not available to accounts closed within 90 days or closed with negative balance within 3 years
  • ⚠One new checking and one new savings bonus every two years from last coupon enrollment date
  • ⚠Coupon code required — targeted offer
  • ⚠Not available to existing Chase checking/savings customers
  • ⚠One checking bonus and one savings bonus per account every two years
  • ⚠Accounts cannot have been closed within 90 days or closed with a negative balance within the last 3 years
  • ⚠One checking and one savings bonus every two years from last coupon enrollment date
  • ⚠Coupon good for one-time use
  • ⚠Accounts closed within 90 days or closed with negative balance within 3 years are ineligible
  • ⚠One new checking and one new savings account opening bonus every two years from last coupon enrollment date
  • ⚠Accounts closed within 90 days or closed with negative balance within last 3 years are ineligible
  • ⚠Not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years
  • ⚠One new checking and one new savings account opening related bonus every two years from the last coupon enrollment date
  • ⚠Coupon is good for one-time use
  • ⚠Not available to existing Chase checking or savings customers
  • ⚠Not available if accounts closed within 90 days or with negative balance in last 3 years
  • ⚠One checking and one savings bonus per two years from last coupon enrollment
  • ⚠Accounts closed within 90 days ineligible
  • ⚠Accounts closed with negative balance within 3 years ineligible
  • ⚠One checking and one savings bonus per person every two years from last coupon enrollment date
  • ⚠Coupon code required (one-time use)

Fees

  • Checking: $15/month (waived with $500+ direct deposits or $5,000+ average daily balance)
  • Savings: $5/month (waived with $300+ daily balance or $25+ monthly Autosave transfers)
  • Chase Total Checking: $15 monthly fee (waived with $500+ monthly direct deposits, $1,500+ minimum daily balance, or $5,000+ average daily balance)
  • Chase Savings: $5 monthly fee (waived with $300+ balance, $25+ recurring automatic transfers, or linked qualifying checking account)
  • $15 monthly service fee (waivable with $500+ direct deposits or $5,000+ average daily balance)
  • $15 Monthly Service Fee for Chase Total Checking (waived with qualifying direct deposits or other conditions)
  • Chase Total Checking: $15 monthly service fee (waived with $500+ direct deposits or $5,000+ average daily balance)
  • Chase Savings: $5 monthly service fee (waived with $300+ balance or qualifying transfers)
  • $15 monthly service fee for Chase Total Checking (can be waived with $500+ direct deposits or $5,000+ balance)
  • Chase Total Checking: $15 monthly service fee (waivable with $500+ direct deposits or $5,000+ average daily balance)
  • Chase Savings: $5 monthly service fee (waivable with $300+ balance or $25+ automatic transfers)
  • $15 monthly service fee for Chase Total Checking (waived with $500+ monthly direct deposits or $1,500 minimum daily balance)
  • $15 monthly service fee on checking (waived with $500+ monthly direct deposits or $1,500 minimum balance)
  • $0 monthly service fee on savings with linked checking or $25+ in Autosave transfers
  • Chase Total Checking: $15 monthly fee (waived with $500+ monthly direct deposits or $1,500+ minimum daily balance)
  • $15 monthly service fee on Chase Total Checking (waived with $500+ monthly direct deposits or $1,500+ minimum average daily balance)
  • Chase Total Checking: $15 monthly service fee (waived with $500+ monthly direct deposits, $1,500+ minimum daily balance, or $5,000+ average daily balance across qualifying accounts)
  • Chase Savings: $5 monthly service fee (waived with $300+ minimum daily balance, $25+ recurring automatic transfers, or certain linked account conditions)
  • Chase Total Checking: $15/month (waived with $500+ direct deposits monthly or $1,500+ daily balance)
  • Chase Savings: $5/month (waived with $300+ balance or other qualifying conditions)
  • Chase Total Checking: $15 monthly service fee (waived with $500+ monthly direct deposits or $1,500+ daily balance)
  • Chase Savings: $5 monthly service fee
  • Chase Total Checking: $15 monthly service fee (waived with $500+ monthly direct deposits or $1,500+ average daily balance)
  • Chase Savings: Monthly service fee structure varies based on account links and balances
  • $15 monthly service fee for checking (waived with $500+ direct deposits, $1,500+ minimum balance, or $5,000+ average daily balance in combination with linked accounts)
  • $5 monthly service fee for savings (waived with $300+ minimum balance, $25+ automatic transfers, or linked qualifying checking account)
  • New money cannot be funds already held at Chase or its affiliates
  • Direct deposit must be paycheck, pension, or government benefits—not Zelle or transfers
  • Bonus considered interest and reported on Form 1099-INT
  • Bonus is considered interest and reported on IRS Form 1099-INT
  • Offer requires a unique coupon code (can be obtained via email or direct mail)
  • Both accounts must be in good standing with no closure or restriction at bonus payout
  • Account must not be closed or restricted at time of payout
  • Bonus considered interest and reported on IRS Form 1099-INT
  • If account closed within 6 months, bonus is deducted
  • Direct deposit must be paycheck, pension, or government benefits—not person-to-person payments or micro-deposits
  • Bonus appears in account within 15 days after completing all requirements
  • Accounts subject to approval
  • One-time coupon use per offer
  • Bonus amounts vary by offer code
  • Direct deposits must be via ACH from employer/government—excludes checks, Zelle, transfers, tax refunds, dividends
  • Account must remain open and not restricted at time of payout
  • Bonus requires direct deposit (defined as electronic paycheck, pension, or government benefits)
  • Zelle, external transfers, and tax refunds do not qualify as direct deposit
  • Direct deposit must post (not just be scheduled) within 90 days for checking bonus
  • $15,000 in new money must be maintained for 90 days in savings to keep bonus
  • Bonus is not paid if account is closed or restricted at time of payout
  • New money cannot be existing deposits at Chase or its affiliates
  • Direct deposit must be from employer or government (Social Security, tax refunds, etc.) — external transfers and peer-to-peer payments do not qualify
  • New money cannot be funds held at Chase or its affiliates
  • Account must not be closed or restricted at time of bonus payout
  • Person-to-Person payments (Zelle) do not qualify as direct deposit
  • Micro-deposits do not qualify as direct deposit
  • Direct deposit must be electronic deposit of paycheck, pension, or government benefits; excludes Zelle, check deposits, micro-deposits, external transfers, tax refunds, dividends, wire transfers
  • New money cannot be existing Chase deposits or funds
  • Account must remain open and not be restricted at time of payout
  • Bonus is reported as interest income on Form 1099-INT
  • Bonus paid separately for each account component
  • Direct deposit must be from employer/government (not Zelle, external transfers, or micro-deposits)
  • New money cannot be existing Chase funds
  • Account must remain open and in good standing at payout
  • Account must remain open and unrestricted at time of payout
  • No hold period after bonus is paid – funds can be withdrawn after bonus posts
  • Direct deposit must be paycheck, pension, or government benefits – not Zelle or micro-deposits
  • Offers are targeted and require coupon code from email or mailer
  • Direct deposit must be paycheck, pension, or government benefits (not Zelle, micro-deposits, or external transfers)
  • Bonus must not be closed or restricted at time of payout
  • Bonus is considered interest income and taxable on Form 1099-INT
  • Offer extended to July 15, 2026
  • Direct deposit must be electronic deposit of paycheck, pension, or government benefits from employer or government — not Zelle or P2P payments
  • Enrolled account must remain open and unrestricted at time of bonus payout
  • New money cannot be funds held by you at Chase or its affiliates
  • Enrolled account must not be closed or restricted at time of payout
  • Direct deposit must be electronic deposit of paycheck, pension, or government benefits from employer or government
  • Person to Person payments (such as Zelle) do not qualify as direct deposit
  • Coupon is good for one-time use only
  • Account must not be closed or restricted at payout time
  • Direct deposit means paycheck, pension, or government benefits from employer/government
  • Zelle and person-to-person payments do not qualify as direct deposits
  • New money cannot be funds already held at Chase
  • Bonuses reported as interest on IRS Form 1099-INT
  • Accounts must remain open and in good standing at payout
  • Geographic restrictions may apply (branch availability in state or bordering state)

Total potential bonus

$925

Sign-Up Bonus

$900

View Promo Terms →

Additional Referral Bonus (how it works)

$25

Your 50% share of $50 paid directly by the referrer

View Referral Terms →

$900 (sign-up) + $25 (referral) = $925 total

Offer expires July 14, 2026

Last updated July 7, 2026

Saved source PDFs

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Discussion

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How to evaluate Chase Checking & Savings Bonus

Before opening this account, compare the bonus against direct deposit rules, monthly fees, minimum balance requirements, and any clawback period after payout.

More bank bonuses →All Chase offers →Maximize bank bonuses →Direct deposit bonus guide →

Qualification checklist

Timing

Qualifying period
90 days (checking direct deposit); 30 days (savings deposit)
Payout timeline
Within 15 days after completing requirements
Hold period
90 days (savings deposit balance must be maintained)

How to qualify

  • Direct deposit to checking account (within 90 days of coupon enrollment)
  • Deposit $15,000+ to savings account (within 30 days of coupon enrollment)
  • Maintain $15,000 balance in savings for 90 days
  • Both accounts must remain open at time of payout

Common pitfalls

  • New checking and savings customers only
  • Not available to those who closed an account within 90 days
  • Not available if account was closed with negative balance in last 3 years
  • One checking bonus and one savings bonus per account every 2 years

What makes this offer different

What makes this bank offer different

This is a bank-bonus fit for users who can satisfy a deposit rule quickly; the key comparison point is whether the required deposit type matches your normal cash flow.

Bonus value versus similar offers

The sign-up bonus is below the current nearby $2,000 median, so the requirements and any referral or portal stack matter more.

Stacking potential

The tracked value can include $900 sign-up bonus, $25 referral share for a total displayed potential of $925. Confirm which apply path you use before assuming every component stacks.

Requirement clarity

Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.

Frequently Asked Questions

When does Chase Checking & Savings Bonus expire?

Chase Checking & Savings Bonus expires on July 14, 2026.

Can Chase Checking & Savings Bonus stack with a referral?

Credolix tracks a referral path for this offer. The displayed user share is $25 based on 50% of the listed referral payout.

How long do I have to qualify for Chase Checking & Savings Bonus?

The qualifying period listed for Chase Checking & Savings Bonus is 90 days (checking direct deposit); 30 days (savings deposit).

When does Chase Checking & Savings Bonus pay out?

The payout timeline listed for Chase Checking & Savings Bonus is Within 15 days after completing requirements.

Compare this offer

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