Chase Offering $900 Bonus for New Total Checking Account

Chase Total Checking $900 Bonus

Chase has launched a new promotion, offering customers up to $900 bonus for opening a Total Checking account. This promotion does not require opening a savings account at all, while the requirements remain similar top the previous promotion.

You can open the account online, or get your Chase Total Checking coupon code now and visit a branch to open it in person.

To earn the bonus, you must act by July 15, 2026. In this article, we will break down the exact steps to ensure you meet the 90-day balance requirement and avoid the monthly service fees. Plus give a few extra tips to make it easier. 

How to Earn This Chase Checking $900 Bonus

This Chase tiered checking bonus offers you three options. They all require opening a Chase Total Checking and setting up direct deposit of any amount within 90 days. Then you need to deposit new money into the account and keep it there for 90 days. The deposit amount decided your bonus tier.

So here are the steps for this:

1. Open a Chase Total Checking account online with the offer code or enter your email address to get your offer code and bring it to a Chase branch to open an account.
2. Set up direct deposit (any amount) within 90 days of offer enrollment
3. Deposit new money (not limited to direct deposit) within 30 days of offer enrollment and maintain that balance for 90 days from offer enrollment
   • $450 Bonus – Deposit $5,000 – $9,999
   • $600 Bonus – Deposit $10,000 – $14,999
   • $900 Bonus – Deposit $15,000 or more.
4. Receive your bonus within 15 days.

Important Terms

• Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit.
• Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account.
• Chase will deposit bonus in your account 15 days after you complete requirements.

Are You Eligible?

Make sure you are eligible for this Chase Checking $900 bonus. Here are some important terms:

• Checking offer is not available to existing Chase checking customers.
• Offer are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
• You can receive only one new checking and one new savings account opening related bonus every two years from the last coupon enrollment date and only one bonus per account.
• Coupon is good for one-time use.
• Most likely you need to have a Chase branch in your state in order to be eligible, even when applying online. Check the branch locator here.

Account Fees

Chase Total Checking® has a monthly service fee of $15 OR $0 with one of the following, each monthly statement period:

• $500+ in qualifying electronic deposits
• OR $1,500+ balance at the beginning of each day
• OR $5,000+ average beginning day balance in this account, or in combination with any linked qualifying personal deposits or in investments
• OR link this account to a qualifying checking account

New and accounts will not be charged a Monthly Service Fee for at least the first two statement periods.

Guru’s Wrap-Up

This Chase $900 bonus is one of the best bank offers out there in 2026, and now it only requires a checking account. There are also three tiers, which make it easier to still get a $450, $600, or the full $900 payout depending on the funds that you have available.

To make sure you don’t miss out, remember to claim your Chase coupon code and open your account by the July 15, 2026 expiration date. Sometimes we see these offers pulled early, but you can still use the coupon code until the expiration date.

By maintaining your balance for the required 90 days and automating your deposits, you can easily bypass the monthly service fees and walk away with a significant win for your wallet.

Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. 

And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.

💡 Link & Full Details

• OFFER PAGE
• Max Bonus: $900
• Account Type: Total Checking
• Availability: Nationwide
• Type of Inquiry: Soft pull
• Direct Deposit Requirement: Yes, within 90 days (see what works)
• Other Requirements: Deposit $15K+ 
• Credit Card Funding: No
• Monthly Fee: $15 (waivable) 
• Early Account Closing Fee: No
• Expiration Date: 7/15/26

HT: Doctor of Credit

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