Chase Bank Promotions: $900 Checking and Savings Bonus

The Chase $900 bonus is the largest of the personal Chase bank promotions. It is not a single bonus with a single requirement. It is three payments stacked together: one for a new Chase Total Checking account, one for a new Chase Savings account, and an extra amount that Chase pays only when both halves are completed. The savings half requires $15,000 in new money, held for roughly three months. That deposit, more than the headline figure, decides whether the offer suits you.

How the $900 checking and savings bonus is built

The combined offer breaks down into three parts:

• $300 checking bonus: paid for receiving a direct deposit into the new Total Checking account within the first 90 days.
• $200 savings bonus: paid for depositing at least $15,000 in new money into the new Savings account within 30 days, then keeping at least that balance until 90 days after coupon enrollment.
• $400 extra bonus: paid only when you have completed both the checking and the savings requirements.

Under this structure, $300 + $200 + $400 = $900. The math also shows what happens if you complete only one side. A reader who meets the checking requirement but never funds the savings account is working toward $300, not $900. That is less than the standalone $400 Total Checking offer, which asks for $1,000 in direct deposits. The extra $400 is what makes the combined offer worth more than the standalone checking bonus, and you only get it by tying up a large savings balance.

How to earn the $900 bonus, step by step

1. Open both accounts together. The combined offer requires a new Total Checking account and a new Savings account opened at the same time. Opening checking now and savings next month does not qualify you for the combined payout.
2. Enroll through the offer, online or with a branch coupon code, as covered below. The enrollment date starts the clocks on the requirements.
3. Set up a direct deposit to checking. At least one qualifying direct deposit has to land in Total Checking within 90 days.
4. Fund savings with $15,000 or more in new money within 30 days. “New money” means funds coming from outside Chase and its affiliates. Moving money from another Chase account does not count.
5. Hold the $15,000 balance until day 90. Once the balance reaches $15,000, it has to stay at or above that level until 90 days after coupon enrollment. If it drops below that level during the holding period, the savings requirement can fail.
6. Wait for the payout. Chase deposits the bonus into one of your accounts within 15 days of your meeting the requirements. The accounts must be open and in good standing (not restricted) when the bonus posts.

The three clocks running at once

The tight window is the 30-day savings deposit. If the money for savings is currently in a CD, a brokerage account or another bank, check how long the transfer takes before you open the accounts. A transfer that settles on day 32 misses the deadline.

Who is eligible for Chase new account bonuses

Chase’s restrictions on the personal offers apply to account relationships, not to credit scores or income:

• Current Chase checking customers are not eligible for the checking bonus.
• Current Chase savings customers are not eligible for the savings bonus.
• Recently closed accounts: you are not eligible if you closed a Chase account within the last 90 days, or closed one within the last three years with a negative balance.
• Recent bonuses: you are not eligible if you earned another Chase checking or savings account bonus within the past two years.

Because checking and savings are treated separately, your eligibility for the combined offer depends on both sides. Someone who already has a Chase savings account but no checking account is blocked from the savings bonus. Without it, the extra $400 is out of reach as well, even if the checking side is still open to them.

The two-year rule also matters for planning. The $900, $400 and $175 offers all pay a checking bonus. Earning any one of them starts a two-year period during which another Chase checking bonus is not available. Choosing the smaller offer today can rule out the larger one for two years.

What counts as a qualifying deposit or transaction

Direct deposits (Total Checking, both standalone and combined) are electronic payments from an employer or the government: paychecks, pension payments and benefits payments. Person-to-person payments, such as Zelle transfers you send yourself from another account, do not count as direct deposits for these offers.

Qualifying transactions (Secure Banking) are broader. They include debit card purchases, Zelle transfers, ACH credits, online bill payments and Chase QuickDeposit (mobile check deposit) transactions. You need 10 of them within 60 days of offer enrollment.

Comparing the $900, $400 and $175 offers

Money required and return on deposit

Return on deposit divides the bonus by the money the offer requires:

• Total Checking ($400): $1,000 in direct deposits within 90 days. $400 ÷ $1,000 = 40%. The direct deposits are typically money you were going to receive anyway, and you do not have to keep it in the account for a set period.
• Total Checking + Savings ($900): at least $15,000 held in savings, plus a direct deposit to checking. $900 ÷ $15,000 = 6%, before any interest the savings account pays. This is a return over about three months, not an annual rate.
• Secure Banking ($175): no minimum deposit, only 10 qualifying transactions. There is no meaningful deposit-based return to calculate; the cost is mostly effort and any fees.

On return alone, the $400 offer is far more efficient. The $900 offer pays the largest dollar amount, but only to someone who can keep $15,000 aside.

Effort and timing

The $400 offer needs one condition (direct deposits totaling $1,000 or more within 90 days). The $900 offer has four conditions across two accounts, and missing any of them costs at least the $400 extra bonus. The $175 offer has the shortest window, 60 days, but requires the most individual actions.

All three pay within 15 days of meeting the requirements, so the realistic time from opening to payout is roughly 75 days for Secure Banking (60 plus up to 15) and up to about 105 days for the two Total Checking offers if you finish near the end of the 90-day window.

The total cost of chasing the bonus

The headline bonus is a gross figure. Three costs reduce it.

Monthly fees

Monthly service fees differ by account. Chase Savings shows a $5 or $0 Monthly Service Fee, so the savings side can cost up to $15 over a 90-day qualifying period if the fee applies every month; check the Total Checking fee on the official page. Chase waives monthly service fees under published conditions, and meeting them during the bonus period protects the net value.

Opportunity cost on the $15,000

Money held in Chase Savings to earn the bonus is money not held somewhere else. An example shows the effect:

Hypothetical example: Suppose your $15,000 would otherwise sit in an account paying 4.00% APY. Over 90 days, that money would earn roughly $15,000 × 4% × 90/365 ≈ $148. That $148 is the interest you give up, minus whatever interest Chase Savings pays during the same period. The 4% rate is an assumption for illustration, not a quoted rate.

Under that assumption, the $200 savings bonus barely covers the interest you give up, and most of the combined offer’s value comes from the $400 extra bonus. Run the same calculation with the rate you actually earn now.

Taxes

Bank account bonuses are generally treated as interest income for U.S. federal tax purposes, and banks typically report them on Form 1099-INT. A $900 bonus is taxed at your ordinary income rate, so the after-tax amount depends on your bracket.

Putting the costs together

A simple net-value formula for the combined offer:

Net value = $900 − monthly fees paid − interest given up on $15,000 + interest earned in Chase Savings − tax on the bonus

For the standalone $400 offer, the opportunity-cost term is close to zero, because the qualifying deposits are payroll money passing through rather than a balance you must hold. That difference narrows the gap between the two offers more than the headline amounts suggest.

Promo codes, coupons and opening the account

There is no separate promo code to type in for the online application. Applying through the offer link on the official Chase page enrolls you. The “coupon code” applies to branch openings: you request it by email from the offer page and present it when you open the account in person. The official offer page is chase.com for the combined offer and account.chase.com for the standalone Total Checking and Secure Banking offers.

Whichever route you use, keep a record of the enrollment date. It starts the 30-, 60- and 90-day windows, and it is the date to count from if you need to confirm whether a deposit landed in time. Eligibility is also judged on the enrollment date, not the date you finish the requirements.

Before you open the accounts, confirm three things on the official Chase page. First, check that the offer is still live, since Chase bonuses carry expiry dates and can change or end. Second, check the monthly fee waiver conditions for each account, which can differ between accounts. Third, check the early-closure terms, especially if you plan to move the $15,000 out soon after day 90. Closing an account or letting it become restricted before the bonus posts can cost you the payout.

How we checked Chase

On 13 November 2026 we connected from Tallinn, Estonia, and opened chase.com. It loaded normally. We scrolled to the footer, where “Member FDIC” sits under the “Other Products & Services:” heading, next to a separate notice for investment products stating they are “NOT FDIC INSURED”. From that footer we clicked “Deposit Account Agreements”, which took us to a page headed “Product agreements”, and then “Terms of Use”. We also opened the savings page, the Chase Private Client page, and the personal and business credit card listings.

Prices were easy to find. The Chase Savings page lists “$5 or $0” and “$25 or $0” Monthly Service Fee options, and the Private Client page shows “$35 or $0”. Card annual fees ran from $0 up to $795. The Private Client page names the deposit provider plainly: JPMorgan Chase Bank, N.A., Member FDIC. Part of the home page sat behind a login wall. We did not apply for any account, so we cannot say how far an application goes before Chase asks you to sign in or create a profile.

The register check was clean. We searched the FDIC BankFind Suite twice on 13 November 2026, once by bank name for “JPMorgan Chase Bank” and once by web address for “chase.com”. Both searches returned the same record. It shows JPMorgan Chase Bank, National Association, certificate 628, insured, insured since 01/01/1934, with the Comptroller of the Currency listed as regulator. That matches what the site claims.

Customer sentiment is another story. When we read Trustpilot on 13 November 2026, Chase scored 1.2/5 from 2,942 reviews, with 89% of them one-star, and the profile was not claimed. The Wayback Machine’s first capture of chase.com dates to 1996-11-15, and the domain was registered on 1995-10-11. One gap remains. None of the pages we opened showed the $900 checking and savings offer described above, so its amounts and deadlines rest on Chase’s offer terms rather than on anything we saw ourselves.

Choosing among the Chase bank promotions

The choice comes down to two questions: whether you can redirect a direct deposit, and whether you can hold $15,000 for about three months without needing it.

• Both yes, and you have no current Chase checking or savings account: the $900 offer pays the most dollars, provided the net value still holds up once you account for the interest you give up.
• Direct deposit yes, but no spare $15,000: the $400 Total Checking offer has the highest return on the money required and the simplest condition.
• No direct deposit to redirect: Secure Banking’s transaction-based requirement is the one you can meet without changing how you are paid.