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At a Glance
Requirements
Direct deposit: $500 in qualifying direct deposits
Deposit window: 90 days
Eligibility
Availability: Nationwide
No stated lifetime limit
ChexSystems sensitivity: Low
Credit pull: soft pull only
Fees
Monthly fee: $15/mo — $500+ qualifying electronic deposits, OR $1,500+ daily balance, OR $5,000+ average daily balance, OR linked qualifying checking account.
Bank bonuses are taxable interest — expect a 1099-INT. See our bank bonus tax guide.
What Counts as Direct Deposit
188 reports across 3 sources. Last report Jul 3, 2026. Doctor of Credit comments 178, Reddit 9, our own checks 1.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
YESEmployer payroll or government benefit deposit35 reports · 27 worked · 8 failed · last report May 11, 2026The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. 27 member reports of it working, 8 of it failing, last confirmed Feb 2026. Members report it posting as "Square Inc Payroll PPD ID: [10 digit number]".
YESTreasuryDirect ACH push14 reports · 14 worked · last report May 6, 2026General note: Gov-coded; helps at strict banks (Chase, BofA), fails at Ally/Amex. 14 member reports of it working, none of it failing, last confirmed May 2026.
YESCash App ACH push7 reports · 7 worked · last report Jul 3, 2026General note: P2P at most; works at Capital One. 7 member reports of it working, none of it failing, last confirmed Jul 2026.
YESElements Financial ACH push6 reports · 6 worked · last report Jun 4, 20266 member reports of it working, none of it failing, last confirmed Jun 2026.
MAYBEFidelity Cash Management ACH push75 reports · 38 worked · 37 failed · last report Jun 8, 2026How it posts: "Business Banking Tiered"The #1 workaround pusher; codes payroll-like at most banks. 38 member reports of it working, 37 of it failing, last confirmed Jun 2026. Members report it posting as "Business Banking Tiered". own-name CMA coin flip (7W/7F, 2026 fails); third-party "EFT to someone else" CMA setup 7/7 Jun 2026.
MAYBECharles Schwab ACH push22 reports · 10 worked · 12 failed · last report Jun 5, 2026General note: Historically strong; deteriorating at Chase/Huntington in early 2026. 10 member reports of it working, 12 of it failing, last confirmed Apr 2026. 8/10 recent fails, last success 2023, multiple 2026-03 failure reports.
MAYBESoFi ACH push12 reports · 4 worked · 8 failed · last report Apr 24, 2026Good as a sender, but STRICT as a receiver in 2026. 4 member reports of it working, 8 of it failing, last confirmed Apr 2026. 7/7 but latest DP 2026-03 — aging at a tightening bank.
MAYBECurrent ACH push6 reports · 2 worked · 4 failed · last report Jun 5, 20262 member reports of it working, 4 of it failing, last confirmed May 2026.
MAYBEKraken ACH push4 reports · 3 worked · 1 failed · last report Apr 28, 20263 member reports of it working, 1 of it failing, last confirmed Apr 2026.
NOWealthfront ACH push3 reports · 0 worked · 3 failed · last report Jun 19, 2026General note: Thin data; mixed at BofA. 0 member reports of it working, 3 of it failing. 5W/0F, lastW 2026-06 (~17d fresh).
Open Chase Total Checking through the $900 checking + savings combination offer and make direct deposits totaling $500 or more within 90 days of coupon enrollment. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Source: our guide to what counts as direct deposit, verified per-bank against official terms and community data points (originally compiled with help from Doctor of Credit). Data points change, so always verify with the bank.
Overview
Chase is currently offering a $300 checking bonus. The core requirement is $500 in qualifying direct deposits within 90 days. The account has a $15 monthly fee; review the waiver terms before applying.
Pros
+$300 cash bonus
+No documented hard credit pull
+Available nationwide, subject to the bank's eligibility rules
+90-day qualification window
Cons
-$15 monthly fee unless waived
Notes
Receive $500+ in direct deposits within 90 days. Allow approximately 15 days for the bonus to post after qualification.
How This Compares to Other Bonuses
Chase's $300 offer is closest in headline value to PSECU's $300 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 $300. The principal requirement is $500 in qualifying direct deposits within 90 days.
Does the Chase bonus require direct deposit?
Yes. The catalog currently records $500 in qualifying direct deposits within 90 days. Confirm the bank's exact definition before applying.
When should the Chase bonus post?
The tracked estimate is about 15 days after you satisfy the requirements.
Full Requirements
Open Chase Total Checking through the $900 checking + savings combination offer and make direct deposits totaling $500 or more within 90 days of coupon enrollment. This is the $300 checking leg; the $200 savings leg and the $400 combination premium live on the paired Chase Savings record and require the $15,000 savings deposit. Offer expires 10/14/2026.
Fees
Monthly Fee$15/mo
$500+ qualifying electronic deposits, OR $1,500+ daily balance, OR $5,000+ average daily balance, OR linked qualifying checking account.
ChexSystems & Credit Pull
Chex SensitivityLow
Hard PullNo
Soft PullYes
Soft pull/EWS reported. Chase does not pull ChexSystems. Not available to existing Chase checking customers, those closed within 90 days, or closed with negative balance within 3 years. One checking-opening bonus per two years from last coupon enrollment.
Eligibility
AvailabilityNationwide
Lifetime LimitNo
The checking leg of the $900 checking + savings combination. Not available to existing Chase checking customers, or if you closed a Chase checking account within 90 days or closed one with a negative balance in the last 3 years. Some trackers report the combination link as targeted; if the combination page will not enroll you, the standalone $400 checking coupon is the fallback and pays more for checking alone. One checking-opening bonus every two years, so this and the standalone coupon are one choice, not two.
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.