Chase $450–$900 Savings Bonus (16.8%–25.3% Effective APY) - 2026 Review
Bonus Tiers & Effective APY
Overview
Chase Total Checking is offering a tiered bonus of $450–$900 — technically a checking account, but it works like a savings bonus. The real work is parking $5k–$15k+ in new money for 90 days; the one required direct deposit is incidental. Bonus tiers: $450 for $5k–$10k, $600 for $10k–$15k, $900 for $15k+. Offer expires 07/15/2026.
Who This Savings Bonus Is Best For
Anyone who can park $5k–$15k in new money for 90 days and route a paycheck through Chase. The $900 tier is one of the strongest checking bonuses available; even the $450 floor is competitive for a no-hard-pull account.
How to Maximize This Bonus
Use coupon EK42726 when opening to lock in the tiered offer. Deposit your full target amount within 30 days and hold it for 90 days. Set up one qualifying direct deposit (payroll, pension, or government benefits via ACH — Zelle and P2P don't count) at any point during that window. Pair with the Chase Savings combo offer if you want to stack a second bonus on the same relationship. Budget 120 days total before the money is fully liquid.
Pros
Cons
How This Compares to Other Bonuses
For pure new-money holds, Capital One 360 Savings pays $300–$1,500 with no DD requirement and no fee — better if you can't route a paycheck. Chase wins on the lower deposit floor ($5k vs $20k at Capital One) and pairs cleanly with the Chase Savings combo offer for a second bonus on the same relationship.
Frequently Asked Questions
Is this a savings account or a checking account?
It's Chase Total Checking — a checking account. But it works like a savings bonus: you park new money for 90 days and earn a lump-sum bonus. The one required direct deposit is straightforward if you have a paycheck to route.
What are the bonus tiers?
$450 for $5,000–$9,999 in new money, $600 for $10,000–$14,999, and $900 for $15,000 or more. All tiers require one qualifying direct deposit within 90 days.
Does Chase run a hard credit pull for this account?
No — Chase uses a soft pull (if any). Opening Total Checking won't affect your credit score.
How do I avoid the $15 monthly fee?
Three ways: receive $500+ in qualifying direct deposits per month, maintain a $1,500+ daily balance, or keep $5,000+ average daily balance across linked Chase accounts. Most people routing a paycheck will hit the DD waiver automatically.
When does the offer expire?
The EK42726 coupon expires 07/15/2026. Open before that date and complete the deposit and DD requirements within 90 days.
Related Bonus Reviews
Eligibility
Available to Hawaii residents (Chase personal checking/savings bonuses are obtainable in HI). New Chase Total Checking account via coupon EK42726. Not eligible if existing Chase checking customer, closed a Chase checking account within 90 days, or closed with negative balance within 3 years. One opening-related bonus per 24 months. Plus one qualifying direct deposit required within 90 days (payroll/pension/government benefits via ACH, RTP, FedNow, or debit network — Zelle/checks/wires/P2P do not count). Monthly fee waivable with $500+ DD, $1,500+ daily balance, or $5,000+ avg daily balance.
Fees
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