Key Details
Bonus Amount
$300
Direct Deposit Required
$500+
Account Type
Checking
Monthly Fee
$0 (with direct deposit)
Minimum Balance
$0
Requirement Deadline
30 days
Bonus Processing
30-60 days after requirements met
Availability
Nationwide
How to Claim This Offer
Visit Chase.com and Start Application
Go to Chase's online banking site and click 'Open an Account.' Select 'Chase Total Checking' and follow the digital application. You'll need a government ID, SSN, and valid email. The process takes 5-10 minutes.
Complete Identity Verification
Chase will verify your identity using your SSN and address. Most applications are approved within minutes. You'll receive a confirmation email with your new account details and temporary debit card number.
Set Up Direct Deposit
The bonus requires a direct deposit of $500+ within 30 days. Contact your employer's payroll department or use a gig app (DoorDash, Uber, etc.) to set up direct deposit to your new Chase account. You can split your paycheck across accounts if preferred.
Keep Account Open and Active
Use your debit card for at least one transaction before 30 days and maintain the account. Chase Total Checking has no minimum balance and no monthly fee if you have direct deposit.
Receive Your $300 Bonus
Once requirements are met, the $300 bonus will be deposited into your account within 30-60 days. You can then transfer the funds to another account or keep them in Chase.
Pros and Cons
Pros
- Fast and easy online application
- No monthly fees with direct deposit
- No minimum balance requirement
- Large nationwide ATM network (20,000+ ATMs)
- Strong customer service available 24/7
- Can be done entirely online
Cons
- Requires $500+ direct deposit within 30 days
- Bonus is one-time only (limited to new customers)
- Must complete all requirements within deadline
- Account cannot be closed immediately after bonus (wait 6 months to avoid account abuse flags)
- Some employers don't process split direct deposits quickly
Fine Print & Terms
This offer is for new Chase checking customers only. Previous Chase checking account holders are not eligible. The $300 bonus will not be awarded if you do not complete all requirements within 30 days of account opening. Direct deposit must post from an external source (not internal Chase transfers). Chase reserves the right to deny the bonus if they determine the application was fraudulent or the account was opened to take advantage of promotions.
Frequently Asked Questions
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