The largest bank by branch in the U.S., Chase is offering cash incentives for several of its deposit accounts — including a titanic $3,000 bonus when you open a Chase Private Client Checking account with a $500,000 deposit.
If that’s too rich for your blood, there’s a more manageable $900 reward for opening Chase Total Checkingand Chase Savings accounts, plus rewards for secured checking, student accounts, business checking and more.
Here’s what you need to know about Chase Bank promotions.
Earn up to $900 by opening Chase Savings and Total Checking accounts
Chase offers generous rewards for opening a checking or savings account, but the real bonus is when you open both.
Requirements:
- To earn a $200 bonus: Open a new Chase Savings account and deposit at least $10,000 in new money within 30 days of enrollment and maintain that balance for at least 90 days from account opening. (You can qualify for a $100 bonus with a deposit of $5,000-$9,999.)
- To earn a $400 bonus: Open a Chase Total Checking account and make direct deposits totaling $1,000 or more within 90 days of account opening.
- To qualify for a $900 bonus: Open a new Chase Total Checking accountand a new Chase Savings account at the same time and complete the qualifying activities.
Chase Savings
Capital One Bank is a Member FDIC.
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Annual Percentage Yield (APY)
0.01% APY
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Minimum balance
None ($300+ daily balance will waive maintenance fee)
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Monthly fee
$5 (can be waived)
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Maximum transactions
None
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Excessive transactions fee
None
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Overdraft fee
None
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Checking account
Yes
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ATM card
Yes, with access to more than 14,000 ATMs and 5,000 branches
Terms apply.
Pros
- No minimum opening deposit or balance requirement
- Monthly fee can be waived if you have $300 daily balance, $25 in direct deposits or for are under 25
- New account holders may be eligible for a cash bonus
Cons
- Very low APY.
- $5 monthly maintenance fee if you don’t meet waiver requirements.
You should receive your cash reward within 15 days of completing all of the required activities, including balance maintenance periods.
Restrictions: Bonus offers are not available to existing Chase savings customers or if your account has been closed within 90 days or closed with a negative balance within the last three years. The account cannot be funded with money held by you at Chase or its affiliates. This offer expires Oct. 14, 2026.
What to know about Chase Total Checking:Account holders have access to over 4,700 branches and more than 15,000 fee-free Chase ATMs nationwide. You can earn cash back when you make purchases with your Chase debit card.
Earn $175 when you open a Chase Secure Checking account
Chase Secure Banking℠
JPMorgan Chase Bank, N.A. Member FDIC
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Monthly service fee
$4.95 (waived for account holders under 25 or if you have qualifying electronic deposits totaling $250+ each monthly statement period)
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Minimum opening deposit
None
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Minimum balance to open
$0
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Annual Percentage Yield (APY)
N/A
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Free ATM network
More than 15,000+ Chase ATMs, more than 4,700 Chase branches, the Chase Mobile®app and Chase.com.
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ATM fee reimbursement
None
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Overdraft fee
No overdraft fees. Chase Secure BankingSMallows you to spend only the money you have available.
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Mobile check deposit
Yes
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Terms apply.
JPMorgan Chase Bank, N.A. Member FDIC.
Pros
- No minimum opening deposit
- New account holders may be eligible for a cash bonus
- No overdraft fees
- May be able to get your paycheck up to two days early
- Free money orders and cashier’s checks
- Over 4,700 branches and 15,000 ATMs nationwide.
Cons
- No APY
- $4.95 monthly maintenance fee if you are over 25 and don’t meet the direct deposit requirement
- No paper checks
- No reimbursement for out-of-network ATM fees
Information about Chase Secure Banking℠ has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.
Requirements: To receive the $125 bonus, open a new Chase Secure Checking account and complete at least 10 qualifying transactions within 60 days of enrollment. Bonuses are typically deposited within 15 days after completing the required transactions.
Restrictions: The offer expires Oct. 14, 2026.
What to know about Chase Business Complete Checking:This basic checking account doesn’t come with paper checks, but there’s no overdraft fee and money orders and cashier’s checks are free. The $4.95 monthly fee can easily be waived with $250 or more in qualifying electronic deposits or if the account owner is under 24.
Teens can earn $125 with a new Chase High School Checking account
Chase High School Checking℠
Chase Bank is a Member FDIC.
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Annual Percentage Yield (APY)
None
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Minimum deposit/balance
None
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Monthly maintenance fee
None
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Overdraft fee
None
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Offers debit card?
Yes
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ATM access
16,000 fee-free ATMs nationwide; no ATM fee reimbursement
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Parental controls
Teens ages 13 to 17 can open with a parent/guardian as co-owner. Parents can monitor account activity, but can’t set spending limits or block certain transactions
Terms apply.
Pros
- No monthly service fee or overdraft fee
- No minimum deposit or balance requirements
- 5,000+ Chase branches and 15,000 ATMs
Cons
- Parent/guardian must have an existing Chase checking account
- Account must be opened at a Chase branch
- No APY
- $3 to $5 ATM fee at non-Chase ATMs
Requirements: Teens ages 13 to 17 can get a $125 bonus when a parent or guardian opens a new Chase High School Checking account and completes at least five qualifying transactions within 60 days of enrollment.
Restrictions: Qualifying transactions include: debit card purchases, online bill payments, Chase QuickDepositSM, Zelle® or ACH credits.The account must be linked to the parent’s personal checking account. This offer expires Oct. 14, 2026.
Earn up to $500 with a Chase Business Complete Checking account
Chase Business Complete Banking®
Chase Bank is a Member FDIC.
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Special offer
Earn up to $500 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
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Annual Percentage Yield (APY)
N/A
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Monthly maintenancefee
$15 (can be waived)
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Minimum opening deposit
None
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Minimum balance
None (Minimum daily balance of $2,000 waives the monthly maintenance fee)
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Free ATM network
More than 15,000 Chase ATMs
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ATM fee reimbursement
None
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Small business perks
Multiple owners can get debit cards, PINs, online account access and employee debit cards (owners control daily limits)
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Overdraft fee
$34 with ways to waive
Terms apply. Chase Bank is a Member FDIC.
Pros
- Earn up to a $500 welcome bonus when you open a new account with qualifying activities.
- Access to over 5,000 branches and 15,000+ ATMs nationwide
- Accept credit card payments on the spot with Chase QuickAccept℠,
- Same-day access to cash deposits
- Multiple owners and employees can get debit cards with customizable daily spending limits
Cons
- $15 monthly maintenance fee requires a minimum daily balance of $2,000 to waive.
- Fee for cash deposits over $5,000
- Only 20 free in-person transactions per month,
How to avoid the monthly fee:
Meet one of these conditions during your monthly statement period.
- $2,000 minimum daily balance
- $2,000 in purchases on your Chase Ink®Business Card(s)
- $2,000 in deposits from QuickAccept℠ and/or other eligible Chase Merchant Services transactions
- Link a Chase Private Client Checking℠ account
How overdraft fees are waived:
- If your account balance at the end of the business day is overdrawn by $5 or less
- If the item that caused the overdraft was $5 or less, even if your account balance at the end of the business day is overdrawn
- If you made a debit card transaction and your available balance was sufficient at the time it was authorized
- If a merchant submitted the same check or ACH item submitted multiple times, resulting in a Returned Item Fee and an Insufficient Funds Fee
- Insufficient Funds Fees do not apply to withdrawals made at an ATM
Requirements: To earn a $400 bonus, deposit $2,000 to $9,999 in a Chase Business Complete Checking account within 30 days and complete five qualifying transactions, including debit card purchases, Chase QuickDeposit℠, ACH credits, wire transfers, Chase Online℠ Bill Pay and Chase QuickAccept®
To earn the full $500, deposit $10,000+ and meet the other enrollment requirements.
Restrictions: ACH debits, Zelle® payments and online transfers to Chase credit cards are excluded from qualifying transactions. This offer expires Oct. 14, 2026.
What to know about Chase Business Complete Checking: Enjoy unlimited free electronic transactions and built-in credit card processing via QuickAccept. You can get the $15 monthly service fee waived by keeping a $2,000 daily balance or spending at least $2,000 per month with a Chase Ink business credit card.
Earn up to $3,000 with a Chase Private Client Checking account
Chase Private Client Checking℠
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Annual Percentage Yield (APY)
0.01% APY (effective as of 03/20/2026)
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Minimum balance
None, although customers who work with a J.P. Morgan Private Client Advisor generally intend to invest $100,000 or more.
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Monthly fee
$35 (can be waived with an average beginning day balance of $150,000+)
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Free ATM network
More than 15,000 Chase ATMs
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ATM fee reimbursement
Chase will refund ATM fees charged by the ATM owner/network
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Overdraft fee
N/A
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Mobile check deposit
Yes
Terms apply.
Pros
- Potential interest rate discounts on mortgages and auto loans
- Access to a dedicated banker and a J.P. Morgan Client Advisor
- Invitations to cultural, sports and J.P. Morgan thought-leadership events
- Out-of-network ATM fees are reimbursed by Chase
Cons
- Intended for customers intending to invest $100,000 or more
- $35 monthly fee requires $150,000 average daily balance to waive
- Only earns 0.01% APY
Aimed at high-net-worth individuals, Chase Private Client Checking comes with one of the biggest bonuses we’ve seen — and the account requirements to match.
- $1,000 bonus: Deposit $150,000 to $249,999
- $2,000 bonus: Deposit $250,000 to $499,999
- $3,000 bonus: Deposit $500,000+
Requirements: You need to make qualifying new money deposits within 45 days of account opening and maintain that balance for at least 90 days from your enrollment date. You should receive your bonus within 40 days of completing the required activities.
Restrictions: Existing CPC clients are eligible, but you can’t use existing deposits, funds or securities held by you at Chase or its affiliates to qualify. You’ll need to enter your email address to get a personalized coupon code and schedule a meeting with a banker. The offer expires Oct. 14, 2026.
What to know about Chase Private Client:This premium account comes with a dedicated banker and J.P. Morgan Wealth Management advisor to provide personalized financial and retirement advice.
Chase credit card promotions
Chase cards offer cash back, travel rewards and other benefits that match a variety of spending habits. For more offers, check out our picks for the top Chase credit cards.
New Chase Sapphire Reserve (see rates and fees) cardholders earn a limited-time welcome bonus of 150,000 bonus points after spending $6,000 on purchases in the first three months of account opening. One of Chase’s best rewards cards, Sapphire Reserve comes with an annual $300 travel credit and robust point-earning opportunities on travel and dining.
For a limited time, the no-fee Chase Freedom Rise (see rates and fees) earns 3% cash back on dining (and 1.5% on all other purchases). This unsecured starter card is great for students and those new to credit.
According to Chase, having at least $250 in a Chase checking or savings account can improve your chances of approval.
What to know about bank bonuses
Before you take advantage of a sign-up bonus, there are a few things to keep in mind:
You must be a new customer: You’re likely ineligible if you already have a Chase deposit account, although you may still qualify if you have another Chase product (for example, a credit card). Individuals whose Chase accounts have been closed within 90 days or closed with a negative balance within the last three years are also excluded.
You must meet the enrollment requirements: To receive a bonus from Chase, you must make a minimum opening deposit and keep the funds in place for several months. You may also need to make a qualifying number of transactions within a certain timeframe.
You must use new money: The funds used to open your account need to come from an outside source, not money already held by you at Chase or an affiliate.
You might not get the best rate: A promotional bonus doesn’t necessarily mean the account is the strongest option. The APY with a Chase Savings account is a fraction of what you’d earn with a high-yield savings account, for example.
Pros and cons of bank bonuses
Consider the benefits and drawbacks before taking advantage of a new sign-up bonus.
Pros
- Free cash.Even if you have to meet account requirements, a few hundred dollars can help pay down debt or fatten your emergency fund.
- Other perks.Some banks include additional incentives, such as a higher APY on a checking account or cash back on a linked credit card.
Cons
- Eligibility requirements. You’ll need to deposit a minimum amount and leave it in your new account for weeks or even months.
- The account offerings may not be great.A hefty bonus may be used to attract customers to an account with little or no interest, high fees, a limited ATM network or other red flags.
- Bonuses are taxable.Bank account bonuses are usually considered taxable income, so a slice of the bonus you earn will have to be given to the IRS.
What states does Chase operate in?
Chase has more than 4,700 branches across 49 states and Washington, D.C., the largest bank network in the U.S. Residents of all 50 U.S. states can open checking and savings accounts with Chase online, provided they meet the bank’s account eligibility requirements.
Can I close my Chase account after I get my bonus?
Chase requires that your account be open and in good standing when you receive the bonus. Some specific offers, like the Chase Secure Banking bonus, state that if you close the account within six months of enrollment, Chase will deduct the bonus amount.
What counts as a qualifying transaction?
Qualifying transactions vary by award. To earn the Chase Business Complete Checking account bonus, for example, eligible transactions include debit card purchases, Chase QuickDeposit℠, ACH credits, wire transfers, Chase Online℠ Bill Pay and Chase QuickAccept.®
Is it OK to have more than one checking account?
If you are good at staying on top of your finances, having multiple deposit accounts can allow you to take advantage of various benefits. You can use one checking account for bills and another for daily spending, or use separate accounts for business and personal expenses.
Some couples have joint accounts for household expenses, as well as their own private accounts.
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