Chase is paying up to $500 to new business checking customers who open a Chase Business Complete Checking account by October 15, 2026. The bonus is $400 if you deposit $2,000 in new money, or $500 if you deposit $10,000, and either way you'll need five qualifying transactions within 90 days. It's a small-business checking bonus, so you need a business to open the account for, and the money has to come from outside Chase.

Here's what each tier requires, who's shut out, and how to keep the $15 monthly fee from eating into the bonus. Everything below comes from Chase's business checking offer page, including its Business Complete Checking terms, read on September 30, 2026.

The Two Bonus Tiers

Chase's offer page lists two amounts, and the one you get depends on how much new money you deposit. A minimum deposit of $2,000 earns $400, and a minimum deposit of $10,000 earns $500.

New money means funds that aren't already at Chase or its affiliates. Moving money over from another Chase account doesn't count.

What You Have to Do

  1. Get the offer and open the account. Request an offer code on Chase's page, then open the account online with the code applied or bring it to a branch. The offer expires October 15, 2026.
  2. Deposit the new money within 30 days of offer enrollment. Then keep at least that amount in the account for 60 days from enrollment. Chase's terms say that if the balance drops below the required minimum at any point in those 60 days, the offer may be reduced or may no longer qualify.
  3. Complete five qualifying transactions within 90 days of enrollment. Debit card purchases, Chase QuickDeposit, ACH credits, wire credits and debits, Chase Online Bill Pay and Chase QuickAccept all count, in any combination. QuickAccept card payments are combined into one daily qualifying transaction.

Some common payments don't count. The terms exclude ACH debits, person-to-person payments such as Zelle, and online transfers to Chase credit cards. After you've met everything, Chase says the bonus is deposited within 15 days, and the account has to be open and unrestricted when it pays.

Who Can't Get the Bonus

The offer isn't available to existing Chase business checking customers. It's also closed to government entities, political action committees and campaign or other political accounts, and to anyone with an account closed within 90 days of opening or closed with a negative balance within 3 years of opening.

Timing matters too. Chase's terms say signers can receive one business checking offer every two years from the last offer enrollment date, and there's one offer per account. Chase employees and affiliates' employees are excluded.

The bonus counts as interest, so Chase may report it on IRS Form 1099-INT.

Keeping the $15 Monthly Fee at $0

Business Complete Checking carries a $15 Monthly Service Fee. Chase waives it for a statement period if you do any one of these:

  • Keep a $2,000 minimum daily ending balance each business day of the statement period (the last business day doesn't count).
  • Take in $2,000 in Chase Payment Solutions deposits, such as QuickAccept, for the same business.
  • Put $2,000 of eligible purchases on a Chase Ink or Sapphire Reserve for Business card tied to the same business, in the most recent card billing cycle.
  • Link a personal Chase Private Client Checking, JPMorgan Classic Checking or Private Client Checking Plus account owned by a signer who is a direct owner of the business.
  • Meet Chase Military Banking requirements.

The bonus balance and the fee waiver are separate tests. The waiver needs a $2,000 minimum daily ending balance on every business day of the statement period except the last, so if the balance dips under $2,000 on any of those days, say before your new money arrives or after you move it out, that period won't clear the balance test. In those statement periods, you'd need one of the other waivers to avoid the $15 fee.

When the Chase Business Checking Bonus Makes Sense

Open it if you run a business that needs a checking account anyway, can move $2,000 or $10,000 from another bank and leave it for 60 days, and can make five qualifying transactions in the first 90 days, such as Chase Online Bill Pay payments or debit card purchases. Skip it if you're an existing Chase business checking customer, or if you've enrolled in a Chase business checking offer in the last two years. Get your code from Chase's business checking offer page by October 15, 2026.

If you want a card to pair with it, our Chase Ink Business Cash review covers the no-annual-fee Ink card whose purchases also count toward the fee waiver.

Sources

  1. Chase for Business: Business Checking Account Bonus offer page and terms

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