Unlocking a substantial bonus like $900 from Chase Bank can be a fantastic way to boost your savings or cover some expenses. These offers are typically designed to attract new customers and often involve opening specific types of accounts and fulfilling certain requirements. As of July 2025, Chase is indeed offering a $900 bonus for new customers who open both a Chase Total Checking and a Chase Savings account and meet the associated conditions.
Are you ready to potentially grab an extra $900? Let's dive into the step-by-step guide on how to pursue this impressive bonus from Chase Bank!
How to Get the $900 Bonus from Chase Bank: Your Step-by-Step Guide
This guide will walk you through the process of qualifying for the Chase $900 bonus, which typically involves opening both a checking and a savings account and meeting specific deposit and maintenance criteria.
Step 1: Confirm Eligibility and Locate the Offer
Before you get too excited, the absolute first step is to confirm that you are eligible for the offer and to find the specific promotional link or coupon code. Chase bonuses are often targeted and have strict eligibility criteria.
Sub-heading: Checking Your Eligibility
New Customer Status: Generally, these bonuses are for new Chase checking customers or those who haven't had a Chase checking account closed within the last 90 days, or closed with a negative balance within the last three years. You also typically cannot have received a new checking account opening bonus from Chase within the last two years. This is a crucial detail to verify.
Geographical Availability: While most offers are nationwide, some may be geo-restricted. Ensure the offer is available in your region.
Offer Expiry Date: As of July 2025, the $900 bonus for Total Checking + Savings is advertised with an expiry date of July 16, 2025. Make sure you initiate the process well before this deadline.
Sub-heading: Finding the Offer
Official Chase Promotions Page: The most reliable place to find the current $900 offer is directly on the official Chase Bank promotions page. Search for "Chase Bank promotions" or "Chase bank new account offers."
Coupon Code (Optional): Sometimes, Chase offers require a coupon code. You might be able to request one to be emailed to you, or the promotional link itself might automatically apply it. Always use the specific link or coupon provided for the $900 offer.
Step 2: Open the Required Accounts
To get the full $900 bonus, you generally need to open both a Chase Total Checking account and a Chase Savings account simultaneously.
Sub-heading: Choosing Your Accounts
Chase Total Checking®: This is the primary checking account required for the bonus. It's a popular choice for everyday banking.
Chase Savings℠: This is the companion savings account necessary to unlock the full bonus amount.
Sub-heading: The Application Process
Online Application: The easiest way to apply is often online through the specific promotional link. You'll need your Social Security Number, driver's license or state-issued ID, and contact information.
In-Branch Application: If you prefer a more personal touch, you can visit a Chase branch. Ensure you bring the coupon code if you received one via email or mail, or explicitly mention the $900 checking and savings offer to the banker. They can guide you through the application process.
Minimum Opening Deposit: There might be a small minimum deposit required to open the accounts, but it's typically quite low (e.g., $0 for Secure Banking, but for Total Checking it might be $25 or $0 with direct deposit conditions). This initial deposit is separate from the bonus requirements.
Step 3: Fulfill the Direct Deposit Requirement for Checking
This is a critical step for a portion of the bonus and a common requirement for checking account offers.
Sub-heading: What Qualifies as a Direct Deposit?
A "direct deposit" typically refers to electronic deposits made into your account from sources like your employer's payroll, government benefits (e.g., Social Security), or pension payments.
Transfers from other personal bank accounts, Zelle transfers, or person-to-person payments usually do NOT count as qualifying direct deposits for bonus purposes. Always check the offer's fine print to be certain.
Sub-heading: Meeting the Direct Deposit Threshold
For the $900 combined bonus, a direct deposit of any amount into your new Chase Total Checking account is often required within the first 90 days of account opening to qualify for the $300 portion of the bonus.
Actionable Tip: As soon as your checking account is open, update your direct deposit information with your employer or benefit provider to ensure the funds are routed to your new Chase Total Checking account.
Step 4: Fund and Maintain the Savings Account Balance
This is where a significant portion of the $900 bonus comes into play, requiring a substantial deposit and a maintenance period.
Sub-heading: The "New Money" Requirement
For the $900 bonus, you typically need to deposit at least $15,000 in new money into your new Chase Savings account. "New money" means funds that are not already held at Chase or its affiliates. This prevents existing Chase customers from just shuffling funds around to qualify.
Timeline: This deposit usually needs to be made within 30 days of account opening.
Sub-heading: Maintaining the Balance
Once you've deposited the $15,000, you are required to maintain at least that $15,000 balance for 90 days from the date of coupon enrollment. This is a strict requirement, and dropping below the threshold, even for a day, could disqualify you from that portion of the bonus.
Monitoring Your Balance: Regularly check your Chase Savings account balance through the Chase Mobile app or online banking to ensure you consistently meet the minimum.
Step 5: Receive Your Bonus
After successfully completing all the requirements, it's time to wait for your bonus!
Sub-heading: Bonus Payout Timeline
Chase typically deposits the bonus into your new account within 15 days of all requirements being met. The $300 checking portion and the $200 savings portion (which combines with an additional $400 for opening both) are often paid out separately but within this timeframe.
Keep Accounts Open: It's crucial that your accounts remain open and in good standing at the time the bonus is paid out.
Sub-heading: What to Do If You Don't See It
If the 15-day window passes and you haven't received your bonus, first re-read the offer terms and conditions carefully to ensure you haven't missed any details.
Then, contact Chase customer service. Be prepared to provide account numbers and the offer details.
Step 6: Managing Account Fees (Post-Bonus)
Once you've received your bonus, consider how to avoid monthly service fees on your new accounts.
Sub-heading: Chase Total Checking® Monthly Service Fee
The Chase Total Checking account usually has a monthly service fee (e.g., $12). This fee can often be waived by meeting one of the following criteria:
Having electronic direct deposits totaling $500 or more made to the account each statement period.
Maintaining a daily balance of $1,500 or more in the checking account.
Maintaining an average daily balance of $5,000 or more in combined Chase deposit accounts (including your new savings account).
Sub-heading: Chase Savings℠ Monthly Service Fee
The Chase Savings account also typically has a monthly service fee (e.g., $5). This can often be waived by:
Maintaining a minimum daily balance of $300 or more.
Having at least one recurring automatic transfer of $25 or more from your Chase checking account.
Being linked to a Chase Total Checking, Premier Plus Checking, or Sapphire Checking account.
Being under 18 years of age.
Pro-Tip: If you don't intend to keep the large balance in your savings account after receiving the bonus, consider linking it to your checking account or setting up a small recurring transfer to avoid fees. You can also downgrade your checking account to a fee-free option or close the accounts if they no longer serve your needs, but only after the bonus has posted and you've confirmed no clawback period exists (though typically, the only requirement is to keep the account open at the time of payout).
Frequently Asked Questions (FAQs)
How to confirm my eligibility for the Chase $900 bonus?
You can confirm eligibility by reviewing the terms and conditions on the official Chase promotions page for the $900 offer. Key points include being a new checking customer, not having closed an account recently, and not having received a previous bonus within a certain timeframe (typically two years).
How to open a Chase Total Checking and Chase Savings account?
You can open both accounts online through the specific promotional link provided by Chase, or you can visit a Chase branch and ensure the banker applies the $900 combined offer.
How to set up direct deposit for the Chase Total Checking account?
After opening your account, provide your new Chase checking account and routing number to your employer's payroll department or the government agency providing your benefits. Ensure these are electronic deposits.
How to ensure my direct deposit qualifies for the bonus?
A qualifying direct deposit usually means an electronic deposit from an employer or government benefits. Transfers from other personal bank accounts or third-party apps like Zelle typically do not count. Always refer to the offer's specific terms.
How to deposit $15,000 "new money" into my Chase Savings account?
"New money" means funds not currently held at Chase. You can transfer funds from an account at a different bank (e.g., via ACH transfer, wire transfer, or by depositing a check from another bank) to meet this requirement.
How to maintain the $15,000 balance in my Chase Savings account for 90 days?
Keep a close eye on your savings account balance through online banking or the Chase Mobile app. Avoid withdrawals that would drop your balance below the $15,000 threshold during the required 90-day maintenance period.
How to know when the bonus will be deposited into my account?
Chase typically deposits the bonus within 15 days after all the requirements have been met. You should receive a notification, and it will appear as a credit in your new checking or savings account.
How to avoid monthly service fees on Chase Total Checking after getting the bonus?
You can avoid the $12 monthly fee by having $500 or more in direct deposits each statement period, maintaining a daily balance of $1,500 or more in the checking account, or maintaining an average daily balance of $5,000 or more across all your linked Chase deposit accounts.
How to avoid monthly service fees on Chase Savings after getting the bonus?
The $5 monthly fee can be waived by maintaining a $300 minimum daily balance, having a recurring automatic transfer of $25 or more from your Chase checking account, or by linking it to an eligible Chase checking account.
How to handle my Chase accounts after receiving the $900 bonus?
Once the bonus is successfully deposited, you can continue to use the accounts, adjust them to avoid fees (as mentioned above), or if they no longer serve your financial needs, you can consider closing them. Always wait until the bonus is fully posted and any potential clawback period (if applicable, though rare for these types of bonuses after payout) has passed.