Chase Total Checking® $400 Welcome Bonus & New Account Guide

Chase currently advertises a $400 bonus for eligible new Chase Total Checking® customers who open an account with the offer and complete the qualifying direct-deposit requirement.

Open a new Chase Total Checking® account through the offer, then receive qualifying direct deposits totaling at least $1,000 within 90 days of offer enrollment. The account is subject to approval.

Chase describes a qualifying direct deposit for this bonus as an electronic deposit of a paycheck, pension or government benefits such as Social Security from an employer or government entity.

Checks, mobile check deposits, Zelle®, person-to-person payments, micro-deposits, bank or brokerage transfers, tax refunds, dividends, retirement distributions, debit-card transactions and wire transfers do not count for the bonus requirement.

No. Chase states that qualifying direct deposits must total $1,000 or more within 90 days. Multiple qualifying deposits may be combined.

Chase states that the bonus is deposited within 15 days after all offer requirements are completed. The enrolled account must remain open and unrestricted at payout.

The current Chase public offer states that the account must be opened with the offer by October 14, 2026. Offer availability can change, so verify the date on the Chase destination page.

The offer is generally not available to existing Chase checking customers. Chase also excludes certain former customers based on when and how their prior account was closed.

Chase states that a customer can generally receive only one new checking-account opening bonus every two years from the last coupon-enrollment date and only one bonus per account.

The account has a $15 monthly service fee unless one of Chase’s qualifying waiver conditions is satisfied during the monthly statement period.

You can currently avoid it with $500 or more in qualifying electronic deposits, a $1,500 beginning daily balance, a $5,000 combined average beginning-day balance across eligible linked accounts or investments, or by linking a qualifying checking account.

No. The $1,000 amount is the promotional direct-deposit requirement within 90 days. The $500 amount is one monthly method for avoiding the account’s service fee. They are separate rules.

Chase may charge a $34 overdraft fee in qualifying situations. Chase Overdraft Assist℠ can prevent a fee when the account meets the conditions described in Chase’s current terms.

Yes. Eligible deposits at JPMorgan Chase Bank, N.A. are FDIC insured up to applicable legal limits.

Yes. Chase states that eligible applicants can open Chase Total Checking® online or visit a Chase branch.

Yes. Eligible Chase checking customers can use Zelle® through the Chase Mobile® app or Chase Online℠, subject to enrollment and service terms.

Yes. Chase QuickDeposit℠ allows eligible customers to deposit checks through the Chase Mobile® app, subject to limits and availability rules.

Chase states that the bonus is considered interest and may be reported on IRS Form 1099-INT or Form 1042-S, as applicable. Consult a tax professional for advice about your situation.

No separate RegisterBonus fee is added. The normal Chase account fees, eligibility requirements and other account terms still apply.

The owner of the referral link may receive a Chase referral reward if the referred person opens a qualifying account and completes Chase’s requirements. Chase determines all eligibility.

No. RegisterBonus does not approve accounts, determine eligibility, track direct deposits or pay bonuses. JPMorgan Chase Bank, N.A. makes all final decisions.