{"slug":"chase-total-checking-400","category":"bank","institutionSlug":"chase","product":"Total Checking","title":"Chase Total Checking — $400 bonus","bonus":"$400","unit":"cash","amount":400,"reqShort":"$1,000 in direct deposits, 90 days","expiresOn":"2026-07-15","status":"live","verifiedOn":"2026-07-07","reports":2,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Soft pull","fee":"$12/mo — waived with $500+ monthly DD or $1,500 balance","keep":"6 months, or the bonus is clawed back","posts":"Within 15 days of qualifying","applyDomain":"chase.com","applyUrl":"https://account.chase.com/consumer/banking/seo","summary":"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.","reqSteps":["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."],"finePrint":["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."],"memberReports":[{"topic":"Level change","text":"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."},{"topic":"DD coding","text":"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."}],"history":[{"when":"Jul 2026","amount":"$400","note":"elevated level, published end 7/15"},{"when":"2024–2026","amount":"$300","note":"long-running standard level"}],"ruleIds":[],"sources":[{"label":"chase.com offer page","url":"https://account.chase.com/consumer/banking/seo","checkedOn":"2026-07-07"},{"label":"NerdWallet bank promotions roundup","url":"https://www.nerdwallet.com/banking/best/bank-bonuses-and-promotions","checkedOn":"2026-07-07"}],"needsVerification":true}