A $400 bank bonus for $1,000 in direct deposits is one of the best ratios in banking right now. That is exactly what Chase is offering on a new Chase Total Checking® account, and the window closes on October 14, 2026.
Offer details verified September 29, 2026. Bank promotions change often, so confirm the current terms on Chase’s site before you apply. See our Advertiser Disclosure for how we work with partners.
Open Chase Total Checking with my referral link
Chase $400 checking bonus at a glance
| Detail | What you need to know |
|---|---|
| Bonus | $400 |
| Account | Chase Total Checking® |
| Requirement | Direct deposits totaling $1,000 or more within 90 days of coupon enrollment |
| Who qualifies | New Chase checking customers |
| Offer ends | October 14, 2026 |
| Monthly fee | $15, waivable (see below) |
How to earn the $400 bonus
- Open a new Chase Total Checking account through the offer or a referral link before October 14, 2026. You need to be a new Chase checking customer.
- Set up direct deposit. Route part of your paycheck, pension or government benefits to the new account.
- Reach $1,000 in direct deposits within 90 days. It can be one deposit or several that add up to $1,000.
- Keep the account open until the bonus posts.
The fine print
You can only receive one new checking account bonus from Chase every two years, counted from your last coupon enrollment, and only one bonus per account. The bonus is reported as income, so expect to pay tax on it.
Chase Total Checking carries a $15 monthly service fee. New accounts are not charged the fee for at least the first two statement periods, and you can avoid it after that with qualifying direct deposits each statement period or by keeping enough money in qualifying Chase balances.
Chase also runs a targeted offer that pays more when you open a checking and a savings account together. If you see it in your Chase account or mailbox, compare it before you apply, since you can only earn one checking bonus.
Is the Chase bonus worth it?
For most people, yes. The $1,000 requirement is low, you get three months to meet it, and Chase has one of the largest branch and ATM networks in the country. If you already get paid by direct deposit, this is close to free money.
Tips to get paid without a hitch
- Use a true payroll or government direct deposit. Transfers from other banks may not count.
- Set a calendar reminder for day 60 so you have time to fix a missing deposit.
- Keep your direct deposit going until the monthly fee waiver period is covered.
- Do not close the account right after the bonus posts. Chase can claw back bonuses on accounts closed early.
More bank bonuses
- U.S. Bank Smartly Checking Bonus: Earn Up to $450 (Through November 10, 2026)
- BMO Checking Bonus: Earn Up to $600 With Direct Deposit
- PNC Virtual Wallet Bonus: Earn Up to $400 With Direct Deposit
- Citi Checking Bonus: Earn $325 With Direct Deposit (Open by October 26, 2026)
- Capital One Business Checking Bonus: Earn $500 With Promo Code SBOFFER500
- All bank sign-up bonuses
Takeaway
Chase’s $400 Total Checking bonus asks for only $1,000 in direct deposits over 90 days, which makes it one of the easiest bank bonuses available this fall. Open the account before October 14, 2026, move a paycheck over, and let Chase pay you for switching.
