Chase $1,000–$3,000 Checking Account Bonus (2026) - Review & Requirements
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- Deposit window: 45 days
- Keep $150,000 in the account for the full holding period
- Bonus tiers
- $1,000 with $150,000 in new money held 90 days
- $2,000 with $250,000 in new money held 90 days
- $3,000 with $500,000 in new money held 90 days
- Enter the offer's promo code when you apply
- Availability: Nationwide
- No stated lifetime limit
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $35/mo — $35 monthly CPC service fee waived with $150,000+ average daily balance across linked accounts (or a linked Chase Platinum Business Checking).
- No early-closure rule listed
- Bonus posts: ~40 days
- Account hold: Must keep open 90 days
- Holding period: 90 days
Overview
Chase is currently offering a tiered checking bonus paying up to $3,000. Each rung has its own requirement: $1,000 with $150,000 in new money held 90 days; $2,000 with $250,000 in new money held 90 days; $3,000 with $500,000 in new money held 90 days. The account has a $35 monthly fee; review the waiver terms before applying.
Pros
Cons
Notes
Enroll in the offer, then transfer qualifying NEW money/securities (not existing Chase/affiliate funds) into eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts within 45 days. Bonus tier set on day 45: $1,000 for $150,000–$249,999, $2,000 for $250,000–$499,999, $3,000 for $500,000+. Maintain the new money for 90 days from enrollment; bonus paid within 40 days after. Requires a banker meeting to redeem the coupon code. Offer expires 10/14/2026 (extended from 07/15; verified live 2026-07-23). The amount you are paid depends on which rung you complete: $1,000 with $150,000 in new money held 90 days; $2,000 with $250,000 in new money held 90 days; $3,000 with $500,000 in new money held 90 days. Allow approximately 40 days for the bonus to post after qualification. Keep the account open for at least 90 days.
How This Compares to Other Bonuses
Chase's $3,000 offer is closest in headline value to HSBC's $3,000 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Chase checking bonus?
Chase currently advertises up to $3,000, across 3 rungs that each ask for something different: $1,000 with $150,000 in new money held 90 days; $2,000 with $250,000 in new money held 90 days; $3,000 with $500,000 in new money held 90 days.
Does the Chase bonus require direct deposit?
No qualifying direct deposit is currently listed; complete the alternative activity shown in the official terms. Not every rung is a direct-deposit rung: $1,000 with $150,000 in new money held 90 days; $2,000 with $250,000 in new money held 90 days; $3,000 with $500,000 in new money held 90 days.
When should the Chase bonus post?
The tracked estimate is about 40 days after you satisfy the requirements.
Full Requirements
Enroll in the offer, then transfer qualifying NEW money/securities (not existing Chase/affiliate funds) into eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts within 45 days. Bonus tier set on day 45: $1,000 for $150,000–$249,999, $2,000 for $250,000–$499,999, $3,000 for $500,000+. Maintain the new money for 90 days from enrollment; bonus paid within 40 days after. Requires a banker meeting to redeem the coupon code. Offer expires 10/14/2026 (extended from 07/15; verified live 2026-07-23).
Fees
$35 monthly CPC service fee waived with $150,000+ average daily balance across linked accounts (or a linked Chase Platinum Business Checking).
ChexSystems & Credit Pull
Chase does not pull ChexSystems; soft pull/EWS reported. New money must not be existing Chase or affiliate funds.
Eligibility
Open or upgrade to a new Chase Private Client Checking account by October 14, 2026. Top $3,000 tier requires $500,000+ in new money; $1,000 minimum tier requires $150,000. Requires an in-person/banker meeting to redeem the coupon.
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Sources (1)
We last checked this against the bank's page on September 8, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.