Chase's flagship checking bonus, elevated to $400 from its usual $300. Direct deposits totaling $1,000 within 90 days qualify. Published end date is July 15 — a successor usually follows, not always this high.
Requirements, precisely
- Open a Total Checking account with the offer coupon by July 15, 2026 (online or in-branch).
- Receive $1,000 in qualifying direct deposits within 90 days — payroll, pension, or government payments; peer-to-peer transfers don't qualify.
- Bonus posts within 15 days of qualifying.
- Keep the account open 6 months to avoid clawback; keep the fee waiver in mind meanwhile.
Fine print that matters
- Not available if you hold any Chase checking account, or closed one within the past 90 days, or closed one ever with a negative balance.
- Checking-bonus eligibility resets 24 months after your last Chase checking bonus (from receipt).
- Bonus is taxable interest; expect a 1099-INT.
Field reports
Level change. Elevated from the long-running $300 to $400 in this window — confirmed across NerdWallet, Yahoo Finance, and BankBonus listings on 7/7/26. Verify the coupon still shows $400 at publish.
DD coding. Historically the most permissive major bank on what codes as a direct deposit; recent public threads still report ACH from several payroll-like sources qualifying. Treat as unconfirmed until fresh reports are curated.
Reports are dated, sourced, and curated from public coverage and reader tips. Spot something new or wrong? Send a tip — corrections ship and are credited in the changelog.
Offer history
| Jul 2026 | $400 | elevated level, published end 7/15 |
| 2024–2026 | $300 | long-running standard level |
Status: Limited reports — computed from the field reports above, never hand-set. Label definitions are on the method page. Sources: chase.com offer page (checked Jul 7, 2026) · NerdWallet bank promotions roundup (checked Jul 7, 2026)