Best Chase Bank Bonuses of January 2023 (up to $2000!)

One of the most common ways Chase and other banks get new customers is by giving account opening promotions.

These are cash rewards you can get when you open a new account and meet certain requirements.

The bank and you, the customer, both benefit from these new account offers.

Depending on which new account you open, the exact requirements for each sign-up bonus will be different.

For example, if you want to get a Chase checking account bonus when you open a Chase Total Checking^® account, you’ll need to set up direct deposit.

To get a Chase savings account bonus, new customers must put money into their new account and keep that money there for a certain amount of time.

Chase Bank’s sign-up bonuses change all the time, just like most bank promotions.

Deals end, requirements change, and payout amounts go up and down. We keep track of all of this for you, so come back to this page often to find out about the best Chase Bank offers.

Read more: Chase Business Complete℠ Banking Sign-Up Bonus

Important Details On Chase New Account Bonuses

These are clearly spelled out in the fine print of every offer, but there are a few things you should know in general.

1. Applying Chase Coupons

After you give Chase your email address, it will send you an email with a unique code. When you get that unique coupon code, you can open the account later or bring that coupon into your local Chase branch.

No matter which way you go, you should make sure that the coupon is used when you open the account. If you don’t, you won’t get the bonus, even if you meet all the other requirements.

If opening online, make sure your application screen displays that the coupon has been applied. This is extremely important.

Chase’s systems keep track of these codes and give you the bonus automatically when you meet the requirements.

Their online application is clear and easy to use, but if you have any concerns, take the coupon to your local branch and have a banker check that you’re being enrolled in the offer.

2. Once Every 2 Years Limit

This limit is per each account type (i.e. one bonus every 2 years for a checking account).

3. Existing Vs. New Customer Rule

That means you’re not eligible if you already have an account in that product category or if you closed an account in that category in the last 90 days.

A product category refers to account types like “consumer checking account” or “consumer savings account”.

Even if you already have a Chase Total Checking^® account, you could still open a Chase Business Complete Banking^SM account and get the welcome bonus for that account.

But you can’t get a Chase Secure Banking^SM (a checking account) welcome bonus if you have a Chase Total Checking^® account.

4. Bonus Forfeit

This 6-month rule applies even if Chase is the one who closes the account.

5. Tax Reporting

Chase will send you a 1099-INT at the end of the year, and that bank interest will be taxed as regular income.

6. Always Read The Terms & Conditions

Make sure to read all of the fine print about the bonus you want.

You should also know that deals can change at any time. The terms aren’t “locked in” until you’ve fully signed up for that offer and opened the account.

That also means that the promotion could end before the date that was advertised.

This happens all the time, even at a bank like Chase that is pretty reliable. Don’t wait until the last minute to sign up for a bonus if you want one.

Read more: J.P. Morgan Self-Directed Investing Bonus

How To Open a New Chase Bank Account

Fill out an application form:

• At a branch: Chase has more than 4,700 branches across the country, so there’s likely one close to you.
• Online: Chase has a safe website where you can open an account. 

This means that new customers who open a Chase account almost always get some kind of sign-up bonus.

When you’re comparing banking offers, it’s important to look at both the amount of the bonus and what you have to do to get it.

For example, the Chase Total Checking^® bonus is usually around $200 and only requires a single direct deposit, of any amount, within the first 3 months.

On the other hand, the Wells Fargo Everyday Checking $200 bonus requires at least $1,000 in direct deposits. 

There are many more checking offers you can compare with.

At the end of the day, Chase provides great products and features. So it may just come down to which bank has the most branches nearby for your location.

Read more: BMO Harris Bank Checking Account Bonus Offers

Are These Chase Offers A Good Deal?

If you switch your bank account to Chase, you could get a few hundred dollars as a bonus.

But before you open an account, think about what you’ll have to do to avoid the monthly maintenance fee.

A bonus-eligible account can be a great deal, but only if you keep a moderate balance in your checking account or if you can get the fee waived by doing other things that qualify.

You can easily find these details on the offer page or on Chase’s website.

Read more: U.S. Bank Smartly™ Checking and Savings Bonus

Bottom Line

Chase is running a lot of promotions right now, and if you open personal and business accounts at the same time, you could get more than one bonus.

And if you bank with Chase, you can do your banking online, on your smartphone, or in a branch, so you can always get to your money when you need it.

Frequently Asked Questions (FAQ)

What types of accounts does Chase Bank offer?

Chase Bank offers a variety of personal and business banking accounts, including checking and savings accounts, credit cards, mortgages, auto loans, and investment accounts.

How can I apply for a Chase Bank account? 

You can apply for a Chase Bank account online, over the phone, or in-person at a Chase branch.

Are there any fees associated with Chase Bank accounts?

Chase Bank charges fees for certain types of transactions and account activities, such as monthly maintenance fees, non-sufficient funds fees, and foreign transaction fees. These fees may vary depending on the type of account.

Does Chase Bank offer online and mobile banking?

Yes, Chase Bank offers online and mobile banking services, allowing customers to access their accounts, pay bills, and deposit checks remotely.

How can I find a Chase Bank branch or ATM near me?

You can use the Chase Bank branch and ATM locator tool on their website or mobile app to find the nearest branch or ATM.

Can I use my Chase Bank debit card internationally?

Yes, you can use your Chase Bank debit card internationally but you may be subject to foreign transaction fees.

How do I contact Chase Bank customer service?

You can contact Chase Bank customer service by phone, email or through the website and mobile app.

Read more: Best Stock Broker & Investing Promotions