Chase Bank new account bonuses: Earn up to $3,000

The largest bank by branch in the U.S., Chase is offering cash incentives for several of its deposit accounts — including a titanic $3,000 bonus when you open a Chase Private Client Checking account with a $500,000 deposit.

If that's too rich for your blood, there's a more manageable $900 reward for opening Chase Total Checking and Chase Savings accounts, plus rewards for secured checking, student accounts, business checking and more.

Here's what you need to know about Chase Bank promotions.

How do you get the bonus?

1. To earn a $100 bonus: Open a new Chase Savings account and deposit $5,000-$9,999 in new money within 30 days of enrollment and maintain that balance for at least 90 days from account opening.
2. To earn a $200 bonus: Deposit at least $10,000 in new money within 30 days of enrollment and maintain that balance for at least 90 days from account opening.

When do you receive the bonus? You should receive your cash reward within 15 days of completing all of the required activities, including balance maintenance periods.

What to know about this offer. Bonuses are not available if you have an existing Chase deposit account, if your account has been closed within 90 days or if it was closed with a negative balance within the last three years. The account cannot be funded with money held by you at Chase or its affiliates.

When does the offer expire? This offer expires Oct. 14, 2026.

How do you get the bonus? Chase offers rewards for opening either a checking or savings account, but the real bonus is when you open both.

1. To earn a $400 bonus: Open a Chase Total Checking account and make direct deposits totaling $1,000 or more within 90 days of account opening.
   
2. To earn a $900 bonus: Open a new Chase Total Checking account and a new Chase Savings account at the same time and complete the qualifying activities for both accounts.

When do you receive the bonus? You should receive your cash reward within 15 days of completing all of the required activities, including balance maintenance periods.

What to know about this offer. Bonuses are not available if you are an existing Chase savings customer, if your account has been closed within 90 days or if it was closed with a negative balance within the last three years. The account cannot be funded with money held by you at Chase or its affiliates.

When does the offer expire? This offer expires Oct. 14, 2026.

How do you get the bonus? To receive the $175 bonus, open a new Chase Secure Checking account and complete at least 10 qualifying transactions within 60 days of enrollment.

When do you receive the bonus? Bonuses are typically deposited within 15 days after completing the required transactions.

What to know about this offer: This basic checking account doesn't come with paper checks, but there's no overdraft fee and money orders and cashier's checks are free. The $4.95 monthly fee can easily be waived with $250 or more in qualifying electronic deposits or if the account owner is under 24.

When does the offer expire? The offer expires Oct. 14, 2026.

How do you get the bonus? Teens ages 13 to 17 can get a $125 bonus when a parent or guardian opens a new Chase High School Checking account and completes at least five qualifying transactions within 60 days of enrollment.

When do you receive the bonus? The bonus will appear in your teen's account within 15 days of completing qualifying transactions.

What to know about this offer: Qualifying transactions include: debit card purchases, online bill payments, Chase QuickDeposit^SM, Zelle^® or ACH credits. The account must be linked to the parent's personal checking account.

When does the offer expire? Oct. 14, 2026.

How do you get the bonus? To earn a $400 bonus, deposit $2,000 to $9,999 in a Chase Business Complete Checking account within 30 days and complete five qualifying transactions.To earn the full $500, deposit $10,000+ and meet the other enrollment requirements.

When do you receive the bonus? Your bonus will be deposited within 15 days of completing all required activities.

What to know about this offer: Qualifying transactions include debit card purchases, Chase QuickDeposit℠, ACH credits, wire transfers, Chase Online℠ Bill Pay and Chase QuickAccept.^® ACH debits, Zelle^® payments and online transfers to Chase credit cards are excluded from qualifying transactions.

When does the offer expire? Oct. 14, 2026.

How do you get the bonus? Open a J.P. Morgan Self-Directed Investing account and fund it with qualifying new money within 45 days and maintain the required balance for 90 days from enrollment.

• To earn a $50 bonus, transfer or roll over $5,000-$24,999
• To earn a $150 bonus, transfer or roll over $25,000-$99,999
• To earn a $325 bonus, transfer or roll over $100,000-$249,999
• To earn a $1,000 bonus, transfer or roll over $250,000+

When do you receive the bonus? Funds will be added directly to your account within 15 days of the 90-day enrollment period.

What to know about this offer: Qualifying new money comes from moving cash, transferring securities or rolling over retirement assets from another institution. Assets transferred from JPMorganChase or its affiliates are not eligible. 

When does the offer expire? Oct. 21, 2026.

How do you get the bonus? Aimed at high-net-worth individuals, Chase Private Client Checking comes with one of the biggest bonuses we've seen — and the account requirements to match.

• $1,000 bonus: Deposit $150,000 to $249,999
• $2,000 bonus: Deposit $250,000 to $499,999
• $3,000 bonus: Deposit $500,000+

You need to make qualifying new money deposits within 45 days of account opening and maintain that balance for at least 90 days from your enrollment date.

When will you receive the bonus? You should receive your bonus within 40 days of completing the required activities.

What to know about this offer: Existing CPC clients are eligible, but you can't use existing deposits, funds or securities held by you at Chase or its affiliates to qualify. You'll need to enter your email address to get a personalized coupon code and schedule a meeting with a banker.

When does the offer expire? Oct. 14, 2026.

Chase cards offer cash back, travel rewards and other benefits that match a variety of spending habits. For more offers, check out our picks for the top Chase credit cards.

New Chase Sapphire Reserve (see rates and fees) cardholders earn a welcome bonus of 100,000 bonus points after spending $6,000 on purchases in the first three months of account opening. One of Chase's best rewards cards, Sapphire Reserve comes with an annual $300 travel credit and robust point-earning opportunities on travel and dining.

For a limited time, the no-annual-fee Chase Freedom Rise (see rates and fees) earns 3% cash back on dining at restaurants, including takeout and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening (and 1.5% on all other purchases). This unsecured starter card is great for students and those new to credit.

According to Chase, having at least $250 in a Chase checking or savings account can improve your chances of approval.

Before you take advantage of a sign-up bonus, there are a few things to keep in mind:

You must be a new customer: You're likely ineligible if you already have a Chase deposit account, although you may still qualify if you have another Chase credit card or other product. Individuals whose Chase accounts have been closed within 90 days or closed with a negative balance within the last three years are also excluded.

You must meet the enrollment requirements: To receive a bonus from Chase, you must make a minimum opening deposit and keep the funds in place for several months. You may also need to make a qualifying number of transactions within a certain timeframe.

You must use new money: The funds used to open your account need to come from an outside source, not money already held by you at Chase or an affiliate.

You might not get the best rate: A promotional bonus doesn't necessarily mean the account is the strongest option. The APY with a Chase Savings account is a fraction of what you'd earn with a high-yield savings account, for example.

Consider the benefits and drawbacks before taking advantage of a new sign-up bonus.

Pros

• Free cash. Even if you have to meet account requirements, a few hundred dollars can help pay down debt or fatten your emergency fund.
• Other perks. Some banks include additional incentives, such as a higher APY on a checking account or cash back on a linked credit card.

Cons

• Eligibility requirements. You'll need to deposit a minimum amount and leave it in your new account for weeks or even months.
• The account offerings may not be great. A hefty bonus may be used to attract customers to an account with little or no interest, high fees, a limited ATM network or other red flags.
• Bonuses are taxable. Bank account bonuses are usually considered taxable income, so a slice of the bonus you earn will have to be given to the IRS.

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