You can now earn a $400 bonus when you open a new Chase Total Checking® account.

One of the most popular checking accounts available, new customers can apply for a Chase Total Checking^® to get a $400 bonus when they open a new account with qualifying activities.

Apply online or enter your email to receive a Total Checking Coupon to take to your local Chase branch.

Update 1/23/26: The offer has been improved to a $400 bonus (up from $300) valid through 4/15/26. One of the most popular bank bonuses on the web! Have a banking relationship with Chase would only help you get more Chase credit cards. You will have access to Chase offers which provide many cash back opportunities with your purchases.

Chase Total Checking^® $400 Bonus Coupon

With Chase Total Checking®, you get access to thousands of Chase ATMs and branches, free debit card, free online banking & bill pay, and mobile banking with their award winning Chase Mobile App. Chase QuickDeposit^SM lets you deposit checks almost anytime, anywhere with the ease of taking a picture.

• Learn More at Chase Bank
• What you’ll get: $400 bonus
• Account Type: Chase Total Checking®
• Availability: Nationwide except in Alaska, Hawaii and Puerto Rico (Locator)
• Direct Deposit Requirement: Yes
• Opening Deposit: $0
• Credit Inquiry: Soft Pull
• Early Account Termination Fee: If your Checking account is closed by you or by Chase within six months after opening, they will deduct the bonus amount at closing.

(Expires 04/15/2026)

How To Earn Bonus

• Apply directly online or in-branch using your personalized coupon generated from the offer page.
• Open a Chase Total Checking^® account.
• Make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
• Receive your new checking account bonus within 15 days.

Account Features

• New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
• Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
• Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
• Chase Overdraft Assist^SM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
• Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit^SM .
• Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
• Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
• Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.

*With Chase Overdraft Assist^SM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Waive The Monthly Fees

Chase Total Checking®:

• Monthly Service Fee: $15 or $0 with one of the following, each monthly statement period:
  • $500+ in qualifying electronic deposits OR $1,500+ balance at the beginning of each day OR $5,000+ average beginning day balance in this account, or in combination with any linked qualifying personal deposits or in investments OR Link this account to a qualifying checking account

Bottom Line

The Chase Total Checking® is one of the best checking accounts to open along with a generous welcome bonus. The checking account is an easily obtainable bonus while offering fantastic services to cater to your needs.

If you’re looking for convenience, this checking account offers that! You’ll get access to thousands of Chase ATMs and branches. Waiving the monthly fee on this account is easy!

You can find our collection of Chase’s best offers here and other top bank bonuses here.

If you’re looking to open a business, we recommend opening a Chase business checking account.

• New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment. • Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card. • Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick DepositSM . • Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you. • Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. Open an Account