# Chase Total Checking — $400 bonus

Canonical: https://dealaka.com/offers/chase-total-checking-400

- Status: Limited reports
- Bonus: $400
- Requirement: $1,000 in direct deposits, 90 days
- Expires: Jul 15, 2026
- Availability: Nationwide
- Institution: Chase
- Verified: Jul 7, 2026 against chase.com
- Field reports: 2

## 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.

## Requirements
1. Open a Total Checking account with the offer coupon by July 15, 2026 (online or in-branch).
2. Receive $1,000 in qualifying direct deposits within 90 days — payroll, pension, or government payments; peer-to-peer transfers don't qualify.
3. Bonus posts within 15 days of qualifying.
4. 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.

## Offer history
- Jul 2026: $400 — elevated level, published end 7/15
- 2024–2026: $300 — long-running standard level

## Sources
- chase.com offer page <https://account.chase.com/consumer/banking/seo> (checked Jul 7, 2026)
- NerdWallet bank promotions roundup <https://www.nerdwallet.com/banking/best/bank-bonuses-and-promotions> (checked Jul 7, 2026)

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