The Chase $900 checking and savings bonus is still available until January 27, 2027, according to Chase's offer page as of October 9, 2026. Chase pays $300 for a new Chase Total Checking account, $200 for a new Chase Savings account, and $900 in total (an extra $400) when you open both at the same time and complete both sets of requirements. January 27 is the last day to open your accounts with the offer code.
The catch is the savings half: $15,000 in new money, deposited within 30 days and held for 90 days. Here's what each requirement means, who's eligible, and how to avoid losing the bonus.
How the $900 Splits
It's three bonuses stacked, not one payout. $300 for opening a new Chase Total Checking account and setting up a qualifying direct deposit. $200 for opening a new Chase Savings account and funding it with $15,000. Then an extra $400 for opening both at the same time and completing both.
Miss either half and the $400 goes with it. Open only the checking and you earn $300. That structure makes the combined offer worth more to someone who'd otherwise open just one account.
What Each Half Requires
The checking side. Open a new Chase Total Checking account and have your direct deposit made into it within 90 days of coupon enrollment.
Chase is specific about what counts. The direct deposit has to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Chase says person-to-person payments such as Zelle aren't considered a direct deposit, and micro-deposits (small deposits, typically less than $1, sent to verify an account) don't qualify either.
If you're self-employed, paid through a platform that doesn't send a payroll deposit, or retired without a pension or benefit deposit, confirm your deposit type qualifies before you count on the $300.
The savings side. Deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment, then keep at least $15,000 in it for 90 days from enrollment.
"New money" means funds not already held by you at Chase or its affiliates. Moving an existing Chase balance into the new account doesn't count.
Note the clocks. The savings deposit has a 30-day window, the direct deposit has a 90-day window, and the $15,000 balance has to be maintained for 90 days from enrollment, not from when you deposited.
What the $15,000 Costs You
The $900 isn't free money. Parking $15,000 in a Chase Savings account for 90 days means giving up whatever that money could earn elsewhere. Chase's page lists the Chase Savings APY at 0.01% for all balances, effective September 18, 2026.
Here's the check. Say your money currently earns interest somewhere else: work out what $15,000 would earn there over about three months at today's rate, and subtract it from the bonus. Use your own account's current rate, since savings rates move.
Where it doesn't work: if the $15,000 would come out of an emergency fund you might need inside 90 days, or out of investments you'd have to sell. Dropping below the balance requirement forfeits the savings bonus and the extra $400. Our guide to building an emergency fund while earning rewards covers where that money should live.
The Monthly Fees, and How to Avoid Them
Chase's page lists a $15 Monthly Service Fee on Chase Total Checking and a $5 Monthly Service Fee on Chase Savings. New accounts aren't charged a Monthly Service Fee for at least the first two statement periods, and after that the fee applies unless you meet one of the waivers each statement period.
Chase Total Checking's fee is $0 with any one of these:
- $500 or more in qualifying electronic deposits
- A $1,500 or higher balance at the beginning of each day
- A $5,000 or higher average beginning day balance in the account, or combined with linked qualifying personal deposits or investments
- Linking the account to a qualifying checking account
Chase Savings' fee is $0 with any one of these: a $300 or higher balance at the beginning of each day, $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account, a link to a qualifying checking account, a link to a Chase College Checking account enrolled in Overdraft Protection, or an account owner under 25.
Chase counts balances in Chase Savings as qualifying personal deposits, so if your new savings account is linked to your checking, the $15,000 counts toward the $5,000 average beginning day balance option. The fee matters most after the 90 days. Once you move the $15,000 back out, check which waiver you still meet each statement period, and decide whether to keep the accounts funded, keep the direct deposit pointed at them, or close them.
Who Is Eligible
Chase's terms set these limits:
- The checking offer isn't available to existing Chase checking customers, and the savings offer isn't available to existing Chase savings customers.
- Neither offer is available if your accounts were closed within 90 days, or closed with a negative balance within the last 3 years.
- You can receive only one new checking and one new savings account opening bonus every two years from your last coupon enrollment date, and only one bonus per account.
That two-year clock is the one to check first. Chase counts it from your last coupon enrollment date, so if you've had a Chase checking or savings bonus before, start from the day you enrolled in that coupon.
The coupon is good for one-time use. Open online with the offer code, or have Chase email you the code and bring it to a branch.
Getting the Direct Deposit Right
The $15,000 gets the attention, but the direct deposit has the narrower definition.
Chase wants an electronic deposit of your paycheck, pension or government benefits from your employer or the government. Person-to-person payments such as Zelle don't count, and neither do micro-deposits. If you're paid any other way, confirm your deposit qualifies before you enroll.
Without a qualifying direct deposit, you lose the $300 checking bonus and the extra $400, and you're left with only the $200 savings bonus. If you can redirect payroll, do it in the first pay cycle rather than the last, so a shifted payroll date doesn't push you past the 90-day window.
What Happens If You Miss One
The checking and savings bonuses are separate. The extra $400 needs both.
Fund the savings but never land a qualifying direct deposit and you get $200. Land the direct deposit but let the savings balance drop below $15,000 before the 90 days are up and you get $300.
Chase's terms say to maintain at least $15,000 for 90 days, so keep a buffer above $15,000 rather than sitting exactly at it.
The Timeline, Step by Step
- Enroll and open both accounts at the same time. The extra $400 requires opening them together, so don't split them across two visits. Open by January 27, 2027.
- Within 30 days, move $15,000 of new money into savings. Earlier is better, since the 90-day balance clock runs from enrollment.
- Within 90 days, get a qualifying direct deposit into checking.
- Keep at least $15,000 in savings for 90 days from enrollment.
- Watch for the payout. Chase deposits each bonus in the new account within 15 days after you've completed its requirements. The account must not be closed or restricted at the time of payout.
Don't Forget the Tax
Chase's terms say the bonuses are considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). Plan for the $900 to count as income on your tax return. Our breakdown of which rewards are taxable explains how bank bonuses and card rewards are treated.
How It Compares
If you don't have $15,000 you can leave untouched for three months, the smaller option is Chase's checking offer on its own: $300 for a new Chase Total Checking account and a qualifying direct deposit, with no savings deposit required.
If you're weighing a bank bonus against a credit card welcome bonus, our 2026 travel card guide covers the card side, and what happens to your score when you open a card walks through the credit effect of a card application.
Who This Bonus Is For
It fits you if all of these are true: you're not an existing Chase checking or savings customer, you haven't had a Chase checking or savings bonus coupon enrollment in the past two years, you have $15,000 that can sit still for three months, and you have a qualifying direct deposit you can point at the account.
It's the wrong move if the $15,000 would come from an emergency fund, from selling investments, or from money you might need before the 90 days are up. And if your income doesn't arrive as a qualifying direct deposit, you're capped at the $200 savings bonus with $15,000 tied up to get it.
Bottom Line
The Chase $900 checking and savings bonus is available until January 27, 2027, the last day to open your accounts with the offer code. Check the two-year eligibility clock and confirm your direct deposit qualifies before you start, because those two decide whether the work pays off.
Updated October 9, 2026: offer terms confirmed on Chase's page.
