Chase Bank is the largest bank by assets in the US and has thousands of locations and ATMs to visit – with that, they also are well known for their Chase Bank Promotions and Bonus Offers to help make their accounts even more attractive.
Saving money has never been as important as it is today. From unexpected personal finance challenges to global economic downturns that affect everyone, having some cash set aside can help all of us survive a rough patch.
As you know, I believe in the value of having money set aside – as well as investing it as soon as you have the opportunity. Taking advantage of the different promotions and bank bonuses makes saving money easier. Lots of companies we buy stuff from – from retailers to credit card providers – offer tons of promotions.
Chase Bank is an excellent company for that.
Chase Bank’s Current Promotions
Here are the current best Chase promotions you can benefit from today:
- Chase Business Complete Checking®: $300 bonus
- Chase Total Checking®: $200 bonus
- Chase Secure Banking℠: $100 bonus
- Chase College Checking℠: $100 bonus
- Chase Freedom Unlimited: $200 bonus
- Ink Business Unlimited Credit Card: $900 bonus
- Ink Business Cash Credit Card: $900 bonus
- Chase Private Client Checking℠: $3,000 bonus
- Refer Your Friends: up to $500 bonus
Chase Bank’s promotions, coupons, and bonuses can help you save thousands of dollars – if you’re smart about how you use them, and what’s better is getting started with Chase is simple. The bank also offers credit cards with cashback offers and payment waivers to sweeten the deal!
But let’s not get ahead of ourselves. In this post, I’m going to tell you what promotions Chase Bank currently offers – what you’ll need to qualify – and if there’s an expiration date for an offer, so you don’t miss out!
1. Chase Business Complete Checking® – $300 Bonus
- Offer Expires: 01/18/2024
The Chase Business Complete Checking® bonus is perfect for small businesses. And it’s one of the simplest Chase bank promotions to qualify for.
How to Qualify:
- Get your offer code using the link below.
- Open a Chase Business Complete Checking® account
- Within 30 days, deposit at least $2,000 into your new account
- Maintain that balance for 60 days.
- Within 90 days of opening your new account, complete 5 qualifying transactions. Qualifying transactions include: debit card purchases, Chase QuickAccept® deposits, Chase QuickDeposit℠, ACH (Credits), wires (Credits and Debits)
*Note: If balances decrease below the threshold during the 60 day period, your offer amount will change.
2. Chase Total Checking® – $200 Bonus
- Offer Expires: 01/24/2024
By opening a new Chase Total Checking® account, you can collect the $200 bonus once you set up a direct deposit within 90 days. This is one of the easiest Chase bank promotions to apply and qualify for. Here’s the process to get your $200 bank bonus.
How to Qualify:
- Use the link below to open a new checking account online or get a coupon code by email if you want to open an account in a Chase branch.
- Within 90 days of opening your new account, receive a direct deposit from either your employer (paycheck or pension) or the government (such as Social Security)
- Wait for your bonus money, which should reach you within 15 business days.
3. Chase Secure Banking℠ Bonus – $100 Bonus
- Offer Expires: 01/24/2024
Qualifying for this bonus is easy. All you have to open a new Chase Secure Banking℠ account, and make sure to complete 10 transactions within 60 days of the account opening.
The transactions that can be done are debit card purchases, Chase QuickDeposits, online bill payments, direct deposits, checks paid, and Chase QuickPay with Zelle. $100 is all yours as long as you complete all the steps.
How to Qualify:
- Open a Chase Secure Banking℠ account online or enter your email to receive a coupon if you wish to open your account at a branch.
- Complete 10 transactions from the list within 60 days.
4. Chase College Checking℠ Bonus – $100 Bonus
- Offer Expires: 01/24/2024
All you have to do is open a new Chase College Checking℠ account, and make sure to complete 10 transactions within 60 days of the account opening (trust me, it sounds harder than it actually is!).
The transactions that can be done are debit card purchases, Chase QuickDeposits, online bill payments, direct deposits, checks paid, and Chase QuickPay with Zelle. $100 is all yours as long as you complete all the steps.
How to Qualify:
- Open a Chase College Checking℠ account online or enter your email to receive a coupon if you wish to open your account at a branch.
- Complete 10 transactions from the list within 60 days.
- Enjoy no monthly service fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
5. Ink Business Unlimited and Ink Business Cash Credit Card – Up to $900 Bonus
You can earn a $900 bonus in cashback if you spend $6,000 during the first three months after opening your account.
Balance transfers, money orders, traveler’s checks, foreign currency, or any other transactions do not apply toward your $6,000 spending threshold. Only purchases from retailers and online stores apply.
Once your purchases’ total reaches the required amount, you will receive the bonus as cash amounting to $900. It might take up to eight weeks for the points to reach your account, so be patient, and you will be rewarded.
How to Qualify:
- Sign up for Ink Business Unlimited or Ink Business Cash credit card using the link below.
- Make purchases using your new card for a minimum of $6,000 during the first three months.
- Receive a $900 bonus.
Ink Business Unlimited® Credit Card bonus >>
Ink Business Cash® Credit Card bonus >>
6. Chase Freedom Unlimited Credit Card Promotion – $200 Cashback
When you apply for the Chase Freedom Unlimited credit card through Millennial Money you can get $200 cashback.
Once you get your card you have to spend $500 on purchases within three months and you will receive a $200 cash back bonus. This offer is only valid for new cardholders.
How to Qualify:
- Order your Chase Freedom Unlimited credit card from Chase.
- Spend $500 on purchases in the first 3 months.
- Redeem $200 in cashback bonus.
7. Chase Private Client – up to $3,000 Bonus
- Offer Expires: 01/24/2024
You can get up to a $3,000 bonus by upgrading your account to Chase Private Client Checking℠. You will need to get a coupon with an upgrade code using our link below before visiting a Private Client Banker.
Once the upgrade is complete, you will have to transfer a minimum amount of new money as outlined below within 45 days and keep that balance for 90 days.
When all the requirements are met, the bonus will be deposited into your account within 40 business days, which you can save or invest. Here are the steps you need to take to qualify for this offer.
How to Qualify:
- Get a Chase coupon by entering your email on the Chase website.
- Meet with a Private Client Banker, provide the coupon – and upgrade your account to become a Chase Private Client.
- Within 45 days, Deposit new money or securities to a combination of eligible checking, savings and/or investment accounts and maintain it for 90 days to receive the bonus in your new account as follows: $150,000 – $249,999 to earn $1,000; $250,000 – $499,999 to earn $2,000 or $500,000+ to earn $3,000.
8. Refer Your Friends Promotion – Up to $500 a Year
You can earn up to $500 annually when referring friends or family to join Chase Bank. An existing Chase client with checking and savings accounts and Chase credit cards can invite friends or family members by entering their email addresses.
For each friend you refer, you will earn $50 once your friend opens a new account — a Chase Total Checking or/and Chase Savings using the coupon they received from you.
You can invite as many friends as you want, but it’s worth bearing in mind that you can only receive up to 10 bonuses in a year.
How to Earn $50 Per Friend or Family Member:
- Invite your friends and family to open an account with Chase through the website.
- Earn $50 each time someone you referred opens an eligible account up to $500 a year.
Keep in mind your friends can still benefit from any promotions that Chase is offering for opening their new accounts.
Expired Chase Bank Promotions
Chase Sapphire Checking – $1,000 Bonus
Get a $1,000 bonus when opening or upgrading to a Chase Sapphire Checking account.
To receive your Chase checking account bonus, you will have to transfer at least $75,000 to your newly opened or upgraded account within the first 45 days of account opening and maintain this balance for 90 more days at the very least.
Once the time window is up, you will receive $1,000 within 10 business days to your Chase Sapphire Checking account. This promotion is so easy you can complete it in three easy steps.
How to Qualify:
- Open a new Chase Sapphire Checking account or upgrade an existing account.
- Transfer a minimum of $75,000 in funds within 45 days of opening your account.
- Maintain this balance for 90 days – and receive $1,000 in your account.
Chase Premier Plus Checking – $300 Bonus
Chase Premier Plus Checking is an interest-earning checking account.
All you have to do is open a new checking account using the bonus offer below and make your first qualifying direct deposit within 90 days to receive your $300 account bonus.
How to Qualify:
- Open an account online or get a coupon by entering your email if you want to open an account in a Chase branch.
- Complete activities to qualify for direct deposit.
- Wait for your bonus money, which should reach you within 15 business days.
Chase Savings℠ – $150 Bonus
You can get a $150 bonus by signing up for a Chase Savings℠ account.
Once approved, you will have to 20 business days to transfer a total minimum amount of $10,000 in new money and keep that balance for 90 days. After these requirements are met, you’ll receive the $150 bank account bonus.
How to Qualify:
- Use our link to get a Chase coupon after entering your email on the website.
- Deposit $10,000 of new money within 20 business days
- Maintain that balance for 90 days to receive $150 in your account within 15 business days.
Chase First Banking℠ – $25 Bonus
You can get a $25 bonus by signing up for a Chase First Banking℠ account for your child (age 6-17 years old). After opening the account, your child will receive the $25 bank account bonus.
There are no additional requirements; however, note that in order to open an account you must be an existing Chase checking customer.
How to Qualify:
- Be an existing Chase checking customer.
- Open a Chase First Banking℠ account for your child (age 6-17 years old).
- Receive $25 in the new account within 15 business days.
Chase Coupons
If you have come across a Chase promotion you will probably need a coupon or a coupon code to redeem the offer. This is an important step during the account opening application process.
How Can I Get Chase Coupons?
To get a coupon you can use with applicable offers, simply use our links above for qualified promotions.
Fill in the details, including your email address, and you will receive your coupon in your inbox. Be sure to check the Junk or Spam folder if the email does not show up within a few minutes.
If you are heading to a Chase Bank branch, don’t forget to print out the coupon and take it with you. You can also redeem coupons online by entering the coupon code when asked to during the sign-up process.
If you know someone who is already a Chase customer, you can also ask them to send you an invitation. You and your friend would both receive special offers.
It’s really important to make sure the coupon code or merchant category code is applied during account opening. Chase bank’s internal systems track these codes to make sure the bonuses are applied to your bank account automatically after the qualifying activities are met.
If your bank bonus doesn’t get applied automatically, you’ll need to contact Chase and request the bonus manually. This is sometimes a difficult process, so make sure you have the right coupon code, to begin with.
Chase Bank’s Checking Accounts
Banking is part of our everyday lives, so choosing a bank requires some thought. Other than the cash bonus you can earn by opening a Premier Checking or Total Checking Account with Chase, why else should you bank with Chase?
- Accessibility: I like Chase’s approach. You can access top-notch mobile banking apps and other online banking tools such as online bill pay through chase.com. But the bank also has lots of physical branches — almost 5,000 spread across 40 states and D.C. — and about 16,000 ATMs which means you can access money directly 24/7 in most areas.
- Interest-Earning Potential: You could earn interest on your balance in a Chase Premier Plus Checking Account but the rate will pale compared to an online bank. Chase’s current checking interest rate is 0.01 percent APY. The same is true for Chase’s savings account interest rates.
- Other Financial Products Offered: Plus, the bank has mortgages, personal loans, certificates of deposit, investment accounts, and a variety of savings accounts.
To keep your checking bonus amount you’ll need to keep the new account open for at least six months. If you close the account within six months, Chase will deduct your bonus from your account balance before closing the account.
Chase will report your bonus as paid interest to the IRS.
Monthly Fees
Both the Total and Premier Checking accounts charge monthly fees that you can waive pretty easily.
- Total Checking ($200 cash bonus offer): The $12 monthly maintenance fee will be waived if you keep an average minimum daily balance of $1,500, receive $500 in qualifying direct deposit each month, or keep a $5,000 minimum daily balance combined across all your connected Chase deposit accounts.
- Premier Checking: The $25 monthly maintenance fee will be waived if you keep an average minimum daily balance of $15,000 in your Chase checking, savings, or other deposit accounts. You can also waive the fee if you have a Chase mortgage with automatic payments from the checking account. Also, Chase does not charge this monthly fee to current and former military members.
Qualifying Direct Deposit
Direct deposits qualify to exempt you from Chase’s monthly service fees if they come from your employer or from government benefits such as Social Security. This is quite a simple process to have your employer’s payroll department switch your direct deposit information.
Usually, they will have you sign a form to confirm the change. You will need to provide your employer the routing number and account number for the new account you set up, and changes sometimes take a few weeks.
Transfers between your personal accounts or through services such as Venmo, PayPal, or Zelle will not qualify. Neither will Chase ATM transactions or automatic transfers between your Chase savings account and your checking.
Overdraft and Other Fees
Almost all banks charge fees for overdrafts and other services. Here’s how Chase’s fees line up:
- Overdraft: $34 per transaction up to 3 times a day.
- Non-Chase ATM Use: $2.50 fee from Chase; other banks will charge too. ($5 outside of U.S. or Puerto Rico.)
- Debit Card Replacement Shipping: $5 if you choose to expedite shipping; free for standard shipping.
These fees align with the fees you’d pay with other large national banks such as Citibank and Wells Fargo.
Along with the bonus paying Total Checking and Premier Plus Checking, Chase offers checking accounts designed for high school and college students, both of which have more generous terms. Chase also has Private Client Checking with a variety of perks for high wealth clients with $250,000 or more in assets.
Chase Bank’s Credit Cards
Chase’s bonus offers on credit cards come with some other nice perks such as cashback and no annual fees:
- Ink Business Unlimited: 1.5% cash back on all purchases with no annual fee; 0 percent APR for qualified applicants during the first 12 months.
- Ink Business Cash: 5% cashback in some business expense categories with no annual fee; 0 percent APR for qualified applicants during the first 12 months.
- Freedom Unlimited: 1.5% cash back on all purchases with no annual fee.
When you use a credit card like Chase Freedom Unlimited to make your regular household purchases each month — and then pay off the entire balance — you can get 1.5 percent cash back on a big portion of your monthly expenses.
This is perfect for clients that purchase everything with their credit card. Typically these cash back incentives add up to big savings throughout the year and cover the annual fee of the credit card.
About J.P. Morgan’s Self Directed Investing Investment Accounts
(formerly known as ‘You Invest’)
J.P. Morgan’s Self Directed Investing service and its mobile banking app dovetail nicely with Chase Bank’s online services. You can transfer money seamlessly between your deposit accounts and your investing account.
Because J.P. Morgan is not a bank, it’s important to understand your invested cash will not have FDIC protections like your checking, savings, or CDs. Your investment account could lose value, just like money invested with any online brokerage.
J.P. Morgan SDI lets you open a taxable brokerage account, a traditional IRA, or a Roth IRA. If you already have these types of merchant services with another financial institution, you can transfer them over and might qualify for the $700 bonus.
Overall, Self-Directed Investing provides the basics any beginning investor could need, but more advanced investors may want a service with more options.
J.P. Morgan Current Offers
Below are the best investment-related offers available through J.P. Morgan:
Self-Direct Investing – up to $700 Bonus
- Offer Expires: 01/22/2024
As far as brokerage bonuses go, this is one of the best available. It is a tiered bonus, meaning the more you deposit, the more money you can earn.
Your lowest tier starts out at a $50 bonus for depositing new funds of $5,000 – $24,999; $25,000 – $99,999 earns $150; $100,000 – $249,999 will net you a $325 bonus, and $250,000 or more will see you earn the full amount of $700.
Keep in mind though that you’ll have a limited time to deposit the new funds and you’ll also need to maintain that balance for an introductory period or you will not earn the bonus amount.
How to Qualify:
- Open a J.P. Morgan Self-Directed Investing account using the link below
- Within 45 days, fund your account with qualifying new money; $10,000 – $24,999 = $50 bonus; $25,000 – $99,999 = $150 bonus; $100,000 – $249,999 = $325 bonus, $250,000 = $700 bonus. (Your bonus amount will be determined on day 45).
- Maintain your new funds for 90 days (losses due to trading or market fluctuation will not be taken into account).
- Bonus will be received within 15 days.
INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT • NOT FDIC INSURED • NO BANK GUARANTEE • MAY LOSE VALUE
Frequently Asked Questions
Is Chase Bank offering any promotions right now?
Chase routinely offers a number of different promotions that can help businesses as well as individuals. The promotions are usually available for both new and existing customers. New promotions come out all the time, so check back here from time to time to see which offers you can claim on any given day.
If you’re an existing Chase customer, you can earn up to $500 per year by referring your friends and family to open a Chase checking account. You get a referral credit, and your friend also qualifies for whatever bank account bonus they are applying for. This also works for referring small businesses when they open up a new business checking account.
How do I get $2,000 from Chase?
You can get a $2,000 bonus from Chase by upgrading your account to Chase Private Client. You will need to get a coupon with an upgrade code using our link before visiting a Private Client Banker. Once the upgrade is complete, you will have to transfer a minimum amount of $250,000 in new money within 45 days and keep that balance for 90 days.
Does Chase Bank give money for opening an account?
Yes, Chase Bank will give you a bonus of up to $200 for opening a checking account as noted above. But, you have to meet all the qualifying criteria which include setting up direct deposit activities within the specified time period. We go over the qualified direct deposit options below in more detail.
How many Chase Bank Promotions can I get at once?
Chase offers these incentives as a welcome bonus for NEW customers. While it’s possible to open a personal checking account, a business checking account, and a credit card simultaneously, Chase typically doesn’t allow existing customers to qualify for the exact same savings bonus twice. You will also need to meet the individual requirements and minimum deposit for each account you open.
Check carefully within the terms and conditions of each offer, and you’ll see the definitions for new or returning customers. If you sign up for one of these Chase bank promotions, you will usually need to wait 2 years before qualifying for another bonus of the same type.
Chase Bank Promotions & Bonuses Can Help Jump-Start Your Savings
I recommend Chase Bank to readers who want to start a relationship with a large brick-and-mortar bank with locations around the country. You might earn more interest with an online savings account but you won’t get the same level of customer service.
Also, Chase’s mobile banking app is quite advanced and you can perform a lot of self-service activities right from your mobile phone. You can cash checks remotely, do Zelle money transfers, and manage all of your accounts within a single view.
If you’re already considering a new bank, or if you’re shopping to open your first-ever account, bank bonuses like the Chase checking account bonuses may provide the incentive you need.
The key to using bank bonuses is to save or invest the bonus, if possible. Move the money into a savings account and be sure to set up direct deposits into your checking account so you can avoid the monthly maintenance fee.
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