Want to move your money to a different bank, or get a new checking or savings account? Chase is providing a number of welcome bonuses this July, and qualified customers may only be able to earn up to $900 when they open up a qualifying account and fulfill certain criteria.
The promotions currently offered include personal checking, savings, secure banking, and business accounts, and are appealing to a variety of customers. Before applying, here’s everything you need to know.
Chase Bank Promotions at a Glance
| Account | Bonus | Promotion Ends |
|---|---|---|
| Chase Total Checking® | $400 | Oct. 14, 2026 |
| Chase Total Checking® + Chase Savings℠ | Up to $900 | Oct. 14, 2026 |
| Chase Secure Banking℠ | $175 | Oct. 14, 2026 |
| Chase Business Complete Banking® | Up to $500 | Oct. 15, 2026 |
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Chase Total Checking®: Earn a $400 Bonus
The Chase Total Checking® offer is among the simplest bank promotions offered these days.
Bonus: $400
How to qualify
To earn the bonus, you’ll need to:
- Open a new Chase Total Checking® account using an eligible promotional offer.
- Receive at least $1,000 in qualifying direct deposits within the first 90 days.
Eligible direct deposits generally include:
- Employer payroll
- Government benefits
- Pension payments
Peer-to-peer transfers like Zelle are not considered direct deposits.
As long as the account is open and not penalized, the bonus usually gets credited within 15 days of meeting all requirements, Chase says.
Who isn’t eligible?
You generally won’t qualify if you:
- Already have a Chase checking account.
- Closed a checking account at Chase in the last 90 days.
- Closed a checking account in the last 3 years with a negative balance at Chase.
- Earned a Chase checking account bonus less than 2 years ago.
- Chase Total Checking® + Chase Savings℠: Up to $900 of interest.
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Chase Total Checking® + Chase Savings℠: Earn Up to $900
Those opening a checking and savings account could be eligible for Chase’s largest promotion for personal banking.
Maximum Bonus: Up to $900
This promotion combines multiple bonus opportunities.
How to qualify
To be eligible for the full offer, the customer needs to:
- Open a new Total Checking® account and Chase Savings℠ account.
- Have a successful direct deposit to the checking account within the first 90 days.
- Make a minimum of a $15,000 deposit in new funds within 30 days of the savings account opening.
- Keep at least $15,000 in the savings account until 90 days after enrollment in the promotion.
Those who successfully go through all qualifying steps will get:
- Checking account sign-up bonuses.
- Savings account bonus.
- An additional combined relationship bonus.
The last bonus is typically awarded around the time of finalizing all the requirements, which is usually 15 days after completing all of them, says Chase.
Eligibility restrictions
The offer does not apply to customers who:
- Already have the relevant Chase checking or savings account.
- Recently closed eligible Chase accounts.
- Had recently received equivalent Chase promotional bonuses in the last 2 years.
- Chase Secure Banking℠: $175 Bonus
Chase Secure Banking℠: Earn a $175 Bonus
Customers looking for a simpler banking option can take advantage of the Chase Secure Banking℠ promotion.
Bonus: $175
How to qualify
After opening a new account, complete 10 qualifying transactions within 60 days.
Eligible transactions may include:
- Debit card purchases
- Online bill payments
- ACH credits
- Chase QuickDeposit
- Zelle transfers
After Chase verifies that the steps have been taken, the bonus should be added in about 15 days.
Chase Business Complete Banking®: Earn Up to $500
Small business owners also have access to a welcome offer through Chase Business Complete Banking®.
Bonus
- $400 with qualifying deposits
- $500 with higher qualifying deposits
How to qualify
Eligible applicants must:
- Open a new Chase Business Complete Banking® account.
- Deposit either $2,000 or $10,000 in qualifying new money within the first 30 days.
- Maintain the required balance for 60 days.
- Complete at least five qualifying business transactions during the same period.
Qualifying activity can include:
- Debit card purchases
- ACH transactions
- Wire transfers
- Chase Online Bill Pay
- QuickDeposit
- Card payments processed through Chase QuickAccept
The bonus is generally deposited within 15 days after all requirements are met.
Who can apply?
This offer is available to eligible new business banking customers, including:
- Sole proprietors
- Limited liability companies (LLCs)
- Partnerships
- Corporations
Government agencies and political organizations are not eligible.
Which Chase Promotion Offers the Best Value?
The right promotion depends on your banking needs.
Best for most customers
Chase Total Checking® ($400)
For those who already receive their payroll via direct deposit, this could be one of the easiest bonuses to make, as there is a relatively low qualifying deposit amount.
Best overall bonus
Chase Total Checking® + Savings℠ ($900).
Those who can afford to save and have $15,000 in savings should consider Chase’s best high-interest savings personal banking product.
Best for business owners
Chase Business Complete Banking®
Business owners who make payments on a frequent basis and who also hold business deposits can get up to $500.
Frequently Asked Questions
When do the promotions expire?
The majority of personal banking offers end on October 14, 2026, and the Business Complete Banking® promotion is currently planned to end on October 15, 2026.
Can existing Chase customers qualify?
Generally, no. Most promotions are for new customers, and Chase will likely not accept people with the same account type or who recently received a similar welcome bonus.
When will Chase pay the bonus?
According to Chase, bonuses for most offers are received within about 15 days of successfully meeting all the requirements.
Bottom Line
In July 2026, Chase has several good bank account promotions, including $900, $175 and more.
The $400 Total Checking® bonus is still among the most straightforward to earn by direct deposit and is still a good incentive, while those who can meet higher savings balance requirements can take advantage of Chase’s $900 combined checking and savings promotion.
It’s important to thoroughly check the requirements, account charges, and promotional terms before opening an account to make sure the promotion fits your financial objectives.
