Chase Total Checking
- Bonus
- $400
- To qualify
- $1,000 direct deposit within 90 days
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Anyone in the US, online
- Monthly fee
- $15 a month, waived with $500 or more in direct deposits a month
- When the bonus is paid
- Within about 15 days after you finish the requirements
- Keep it open
- At least until the bonus posts. Chase's offer doesn't list a penalty for closing early, but some banks take the bonus back within 6 months, so 6 months is the safe choice.
- Past customers
- Not eligible if you got a Chase checking bonus in the last 24 months
- Open by
- January 27, 2027
Chase's offer page lists no state limits. Confirm your state is accepted when you apply.
Checked against Chase's own terms on October 19, 2026.