[Expired] Chase $450–$900 Savings Bonus (16.8%–25.3% Effective APY) - 2026 Review
Below is the offer exactly as we last tracked it, kept for reference. It may no longer be available to open.
- Bonus tiers
- $450 for a $5,000+ deposit
- $600 for a $10,000+ deposit
- $900 for a $15,000+ deposit
- Availability: Nationwide
- No stated lifetime limit
- Monthly fee: $15/mo
- No early-closure rule listed
- Funding window: 30 days
- Maintenance/hold period: 90 days
- Total practical hold: ~130 days
Bonus Tiers & Effective APY
Overview
EXPIRED 07/15/2026 — this tiered Chase Total Checking bonus ($450/$600/$900 at $5k/$10k/$15k new money) has ended and the EK42726 coupon page is dead. The live alternatives are the $400 Total Checking direct-deposit bonus and the $900 checking + savings combo, both extended to 10/14/2026.
Pros
Cons
Notes
This offer has ended — the EK42726 coupon expired July 15, 2026 and its enrollment page is dead. If you're holding $5k-$15k and want a Chase play now, the $900 checking + savings combo (extended to October 14, 2026) covers the same parking-money job, and the standalone $400 Total Checking bonus covers the direct-deposit side.
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?
It already has — the EK42726 coupon expired 07/15/2026 and the enrollment page no longer works. The $900 checking + savings combo (through 10/14/2026) is the live alternative.
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 or government benefits via ACH, RTP, FedNow, or the debit network; Zelle, checks, wires and person-to-person payments do not count). Monthly fee waivable with $500+ DD, $1,500+ daily balance, or $5,000+ avg daily balance.
Fees
Sources (2)
We last checked on September 3, 2026, but could not confirm every detail directly on the bank's page.
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