Bank bonus
Chase · Chase Total Checking + Chase Savings
Ends 2027-01-27
The terms
| Bonus | $900 at $15,000 |
|---|---|
| Minimum | $15,000 in savings + direct deposit |
| Direct deposit | Required: Direct deposit to checking within 90 days |
| Money tied up | about 90 days |
| Fees | Both fees waivable ($500 deposits / $300 balance) |
| Expires | 2027-01-27 |
| States | Nationwide |
| Credit pull | soft (Doctor of Credit data points, not stated by the bank) |
How to actually get it
- Open Chase Total Checking and Chase Savings at the same time with the offer code.
- Checking: get a direct deposit within 90 days of enrollment.
- Savings: deposit $15,000+ in new money within 30 days and keep $15,000 for 90 days.
- Chase deposits the bonus within 15 days of completing all requirements.
Catches
- You must complete the requirements for BOTH accounts to get the extra $400.
- Not available to existing Chase customers, or if your accounts were closed within 90 days or with a negative balance within 3 years.
- Accounts must not be closed or restricted at payout.
- Chase Savings pays 0.01% APY (as of 9/18/2026).
| Early-closure fee | Not stated on the offer page. Keep the account open until the bonus posts. |
|---|---|
| ChexSystems / credit pull | Not stated by the bank. Reader reports suggest a soft pull (Doctor of Credit data points). |
| Taxes | Chase says bonuses are considered interest and reported on IRS Form 1099-INT. |
From https://account.chase.com/consumer/banking/checkingandsavingsoffer, checked 2026-10-24. Confirm on the bank's page before you open.
In their own words
Get $900 for both (an extra $400 bonus) ... get $900 when you open both at the same time and complete qualifying activities. Offer expires 01/27/2027.
Quoted from https://account.chase.com/consumer/banking/checkingandsavingsoffer, checked 2026-10-24.
See the offer at ChaseBattle math
| Amount | 30 days | 90 days | 180 days | 365 days |
|---|---|---|---|---|
| $5,000 | — | — | — | — |
| $10,000 | — | — | — | — |
| $25,000 | — | +$900 | +$900 | +$900 |
| $100,000 | — | +$900 | +$900 | +$900 |
Dollars you keep = bonus + interest earned (APY over the days) − estimated fees. "—" means the amount or time doesn't qualify.
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