It's fantastic that you're looking to maximize your financial potential with a Chase bank bonus! While a direct $900 bonus for only opening a checking account is rare, Chase does frequently offer combination bonuses for opening both a checking and a savings account, which can indeed total up to $900 or even more, as of July 2025. These are excellent opportunities, but they require careful attention to the details.
This comprehensive guide will walk you through the steps to potentially earn a significant bonus from Chase, like the often-seen $900 offer for opening both a checking and a savings account.
Let's dive in!
How to Get Up to $900 from Chase Bank: Your Step-by-Step Guide to Maximizing Bonuses
Are you ready to unlock hundreds of dollars just by making smart banking choices? Chase Bank often runs enticing promotions for new customers, and with a little planning, you can take full advantage of these offers. The typical $900 bonus involves opening both a Chase Total Checking® account and a Chase Savings℠ account. It's a fantastic way to boost your savings right from the start!
Step 1: Are You Eligible? Let's Find Out!
Before we even talk about opening accounts, the most crucial step is to determine if you're eligible for a Chase bonus. This is where many people miss out, so pay close attention!
New Customer Status is Key: Generally, Chase bank bonuses are for new checking and/or savings customers. This usually means you haven't had a Chase checking or savings account open within the last 90 days, or haven't had an account closed with a negative balance within the last three years.
Bonus Frequency: Even if you're a new customer, there's often a "one bonus per account type every two years" rule. So, if you received a checking account bonus from Chase within the last 24 months, you might not be eligible for another checking bonus (but you could still be eligible for a savings bonus, or vice-versa, if you haven't had one recently).
Location, Location, Location: While many offers are available nationwide, some might be geographically limited or require you to open an account in a branch. Always check the specific offer's terms and conditions.
Coupon Code Requirement: Many of the larger bonuses, especially combination offers, require a specific coupon code. This code is often obtained by providing your email address on Chase's promotional pages or by receiving a mailer. Do not proceed without securing your coupon code first!
Action Item: Visit Chase's official website (personal.chase.com) and navigate to their "Bank Accounts" or "Promotions" section. Look for offers that specifically mention bonuses for opening checking and savings accounts. If you see a "Get Coupon" or "Email me a coupon" option, use it! Keep an eye on the expiration date of any offer you find.
Tip: Read actively — ask yourself questions as you go.
Step 2: Choosing the Right Accounts for the $900 Bonus
The $900 bonus is typically a combination of three separate bonuses: one for a checking account, one for a savings account, and an additional bonus for opening both.
Chase Total Checking® Account: This is Chase's most popular checking account and often comes with a significant bonus (commonly $300-$325) when specific direct deposit requirements are met.
Chase Savings℠ Account: This savings account frequently offers a bonus (often $150-$200) for depositing and maintaining a certain balance of "new money."
Combined Account Bonus: The real kicker for the $900 offer is an additional bonus (often $400) for opening both a Chase Total Checking and a Chase Savings account simultaneously and fulfilling the requirements for each.
Important Note: Make sure the offer you are pursuing explicitly states the $900 (or similar large combined) bonus. Don't assume that simply opening any checking and any savings account will get you this amount. Read the fine print carefully!
Step 3: Gathering Your Documentation – Be Prepared!
Whether you open your account online or in a branch, you'll need a few key pieces of information and documentation. Having these ready will make the process smooth and quick.
Primary Identification (Photo ID):
For U.S. Citizens: Valid Driver's License or State-Issued ID, or a U.S. Passport.
For Non-U.S. Citizens/Permanent Residents: Permanent Resident Alien Card (Green Card), or a foreign passport with a valid U.S. visa and I-94 (if applicable).
Secondary Identification (Proof of Address/Additional ID):
Credit card or debit card with your embossed name.
Utility bill (electricity, water, gas) in your name and current address.
Bank statement from another financial institution.
Employer ID card.
Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN): This is essential for tax reporting purposes, as bonuses are considered taxable income.
Opening Deposit: While some accounts may have a $0 minimum to open, it's good to have funds ready, especially for the savings account bonus requirement.
Pro Tip: If opening online, be prepared to scan and upload documents or verify your identity electronically. For in-branch opening, bring the physical documents.
QuickTip: Scan the start and end of paragraphs.
Step 4: Opening Your Accounts (With Your Coupon!)
This is where the magic begins! You have two primary ways to open your accounts: online or in person.
Online Application (Recommended for Speed and Convenience):
Access the Offer Page: Click on the specific promotional link from Chase's website (the one where you got your coupon code). This link often automatically applies the coupon code.
Start the Application: Follow the on-screen prompts to begin the application for both the checking and savings accounts.
Provide Information: Fill in all required personal details, contact information, and employment details.
Verify Identity: You'll likely go through an electronic identity verification process. If it can't be completed online, you may be asked to upload documents or visit a branch.
Fund Your Accounts: Make your initial deposit if required.
Confirm and Submit: Review all information carefully before submitting your application. You should receive an immediate confirmation.
In-Branch Application (For Personalized Assistance):
Print Your Coupon: Make sure you have a physical copy of your bonus coupon code.
Visit a Branch: Locate your nearest Chase branch.
Speak with a Representative: Inform them you wish to open a new checking and savings account to take advantage of the current promotion and present your coupon.
Complete Paperwork: The representative will guide you through the application forms.
Provide Documentation: Present your identification and other required documents.
Make Initial Deposit: Fund your accounts as advised.
Crucial Step: Double-check that the bonus offer, including the combined $900 bonus, is clearly linked to your application before you finalize it. If applying online, the promotion code should be visible. If in-branch, confirm with the banker.
Step 5: Fulfilling the Bonus Requirements – This is Where You Earn It!
This is the most critical stage. Meeting the requirements precisely and within the specified timeframe is paramount to receiving your bonus. Do not miss any of these details!
For the Chase Total Checking® Bonus (e.g., $300):
Direct Deposit Requirement: This is almost always the core requirement. You will typically need to make direct deposits totaling a certain amount (e.g., $500 or more) into your new Chase Total Checking account within a specific timeframe (usually 90 days from coupon enrollment or account opening).
What counts as a "Direct Deposit"? This is crucial. It generally means electronic deposits of your paycheck, pension, or government benefits from your employer or a government agency. Person-to-person payments (like Zelle®), transfers from other bank accounts you own, or micro-deposits typically do not count.
Keep the Account Open: Your checking account must remain open and in good standing until the bonus is paid out.
For the Chase Savings℠ Bonus (e.g., $200):
New Money Deposit: You will usually need to deposit a substantial amount of new money into your new Chase Savings account within a specific initial period (e.g., $15,000 or more within 30 days of account opening). "New money" means funds that are not already held at Chase or its affiliates.
Maintain Balance: This is equally important. You must maintain at least that minimum balance (e.g., $15,000) for a specified duration (typically 90 days from coupon enrollment or the date you met the deposit requirement). If your balance drops below the threshold, you might not qualify.
Keep the Account Open: Your savings account must also remain open and in good standing until the bonus is paid out.
For the Combined Account Bonus (e.g., $400):
This bonus is usually awarded after you have successfully met all the requirements for both the Chase Total Checking and Chase Savings bonuses. It's the grand finale!
Key Action: Once your accounts are open, immediately set up your direct deposit with your employer or benefit provider to go into your new Chase Total Checking account. For the savings account, transfer the required "new money" from an external bank account as soon as possible. Track your balances daily to ensure you meet the minimums.
Step 6: Tracking Your Progress and Receiving Your Bonus
Tip: Pause whenever something stands out.
Patience is a virtue, but vigilance is key!
Online Tracking: Chase often provides an online bonus tracker within your account dashboard, especially for checking account bonuses. This can help you monitor your progress towards meeting the direct deposit or transaction requirements.
Bonus Payout Timeline: The bonus is typically deposited into one of your new accounts (often the checking account) within a certain number of days after all requirements have been met and verified. This usually ranges from 15 to 40 days.
Verify Payout: Once the specified time frame passes, check your account statements and transactions to confirm the bonus has been deposited. It will often appear as a "bonus" or "promotional credit."
What if it Doesn't Appear? If the bonus doesn't appear within the stated timeframe and you're confident you met all requirements, contact Chase customer service. Have your offer details, account numbers, and dates of qualifying activities ready. Be polite but firm in your inquiry.
Remember: Bonuses are considered taxable income. Chase will likely issue you a 1099-INT form for tax purposes in the following tax year.
Step 7: Managing Your Accounts and Avoiding Fees
Congratulations on potentially earning your bonus! Now, it's important to manage your new accounts effectively to avoid any monthly service fees.
Chase Total Checking® Monthly Service Fee Waiver Options (commonly $12/month):
Have electronic deposits totaling $500 or more made into this account each statement period (your direct deposit from the bonus requirement can help with this!).
Maintain a beginning daily balance of $1,500 or more in this account.
Maintain an average beginning daily balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Chase Savings℠ Monthly Service Fee Waiver Options (commonly $5/month):
Keep a balance at the beginning of each day of $300 or more in your savings account.
Have $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account.
Link the account to a qualifying Chase Premier Plus Checking, Chase Premier Platinum Checking, or Chase Private Client Checking account.
Recommendation: Set up an automatic transfer from your checking to your savings account, or ensure your direct deposits are sufficient to waive fees, even after the bonus period.
 |
| How To Get $900 From Chase Bank |
10 Related FAQ Questions
Here are some quick answers to common questions about Chase bank bonuses:
Tip: Reading carefully reduces re-reading.
How to find current Chase bank promotions? You can typically find current Chase bank promotions by visiting the "Personal Banking" section of the official Chase website (chase.com) and looking for sections like "Checking Accounts," "Savings Accounts," or "Offers & Promotions."
How to know if I'm eligible for a Chase bonus? Eligibility usually depends on being a "new customer" (no Chase checking or savings account open in the last 90 days, or closed with a negative balance in the last three years) and not having received a similar bonus within the last two years. Always check the specific offer's terms.
How to get a Chase coupon code for a bonus? Many Chase bonus offers provide a way to get a coupon code directly from their promotional webpage, usually by entering your email address. Sometimes, the offer link itself will automatically apply the code when you click to open an account.
How to make a "direct deposit" that qualifies for a Chase bonus? A qualifying direct deposit is typically an electronic deposit of your paycheck, pension, or government benefits from your employer or a government agency. Transfers from personal accounts or P2P payments like Zelle® usually do not count.
How to avoid monthly fees on Chase checking and savings accounts? For Chase Total Checking, maintain a $1,500 daily balance, have $500+ in electronic direct deposits, or maintain $5,000+ across linked Chase accounts. For Chase Savings, maintain a $300 daily balance or set up recurring automatic transfers of $25+.
How to track my progress towards a Chase bonus? Many Chase bonuses for checking accounts have an online tracker available within your Chase Online banking or mobile app, showing your progress towards meeting the direct deposit or transaction requirements.
How to know when my Chase bonus will be paid out? The terms and conditions of your specific bonus offer will state the payout timeline, typically within 15 to 40 days after all requirements have been met and verified by Chase.
How to ensure my "new money" deposit for a savings bonus qualifies? "New money" means funds that have not been held at Chase or its affiliates within a certain period (e.g., the last 90 days). It's best to transfer these funds from an account at a different financial institution.
How to contact Chase customer service about a bonus issue? You can contact Chase customer service via phone (number usually found on their website), through secure messages in your online banking portal, or by visiting a local Chase branch. Have your account details and offer terms ready.
How to handle taxes on a Chase bank bonus? Bank bonuses are considered taxable income by the IRS. Chase will typically issue you a Form 1099-INT for the bonus amount in the following tax year, and you will need to report this on your income tax return.
 |
💡 This page may contain affiliate links — we may earn a small commission at no extra cost to you.
