Chase Total Checking $400 bonus

Open a new Chase Total Checking account with the offer code and receive direct deposits totaling $1,000 or more within 90 days of offer enrollment. The catalog records this offer as listed; check the bank page before opening.

Reviewed offer

Reward: $400
Requirement window: 90 days
Payout timing: After you have completed all the requirements, Chase deposits the bonus in the new account within 15 days.
Fees: $15 monthly fee; waivers listed in the offer
Offer deadline: January 27, 2027
Reviewed: 2026-10-12

How to qualify

Open a new Chase Total Checking account with the offer code and receive direct deposits totaling $1,000 or more within 90 days of offer enrollment. Direct deposit is an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government using your Chase checking account and routing number.

Eligibility and account timing

Not available to existing Chase checking customers, or to anyone whose Chase checking account was closed within 90 days or closed with a negative balance within the last three years. The enrolled account must not be closed or restricted at the time of payout. No six-month early-closure clause appears on the current offer page.

Fees and exclusions

$0 with $500 or more in electronic deposits per statement period, a $1,500 beginning-of-day balance, a $5,000 average balance across linked accounts, or a linked qualifying Chase account. A typical paycheck direct deposit meets the $500 electronic deposit waiver. Only one new checking account opening bonus every two years from the last offer enrollment date.

SourcesChase official offer