Chase College Checking℠ Coupon: $125 Bonus Offer – Ends 1/21/2026

Earn a $125 bonus when you open a new Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment. See the full details below!

Chase College Checking℠ $125 Offer

How To Earn The Bonus:

• Enjoy $125 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
• Where it’s available: Available nationwide

Offer Expires: January 21, 2026

Disclosure: The information related to this Chase Bank offer has been collected by MoneysMyLife and has not been reviewed or provided by Chase.

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Introduction: College Banking Benefits with Chase

Managing finances as a college student can feel overwhelming, but Chase is here to help simplify the process with their Chase College Checking℠ account. If you’re between 17 and 24, this account offers everything you need to manage your money efficiently—plus, you can score a $125 bonus just for signing up! Designed with students in mind, Chase College Checking℠ provides a full suite of modern banking tools, from bill pay and mobile check deposit to easy money transfers via Zelle®.

Whether you’re splitting expenses with friends or handling your tuition payments, this account helps you stay in control while enjoying the flexibility of online banking. Ready to make your college banking experience easier and more rewarding? Here’s how you can unlock the bonus and get the most out of your Chase College Checking℠ account.

Get the full details on this account, along with the current welcome offer below.

How To Earn The Bonus

• Enjoy $125 as a new Chase checking customer when you open a Chase College Checking^SM account and complete 10 qualifying transactions within 60 days of coupon enrollment.
• $0 Monthly Service Fee while in school up to the expected graduation date provided at account opening (five years maximum) for students 17-24 years old.
• Wire funds internationally using the Chase Mobile^® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply.
• Keep track of your money with confidence and control in the Chase Mobile^® app. The Chase Mobile app helps you bank securely and conveniently from anywhere.
• With Zelle^®, you can send and receive money with people and businesses you know and trust who have an eligible account at a participating U.S. bank.
• With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won’t be held responsible for unauthorized debit card purchases when reported promptly.
• JPMorgan Chase Bank, N.A. Member FDIC

>> OPEN A CHASE COLLEGE CHECKING^℠ ACCOUNT TO EARN THE $125 BONUS

Fine Print

• Offer not available to existing Chase checking customers, those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
• You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account.
• Coupon is good for one-time use. 
• To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. 
• Eligibility may be limited based on account ownership.
• Qualifying transactions include: debit card purchases, online bill payments, Chase QuickDeposit^℠, Zelle^®, or ACH credits.
• Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Direct deposit isn’t a requirement for the above bonus offer. See other offers that don’t require direct deposit here.

TRENDING DEAL:

Maximize Your Money with the Axos One High-Interest Checking & Savings Bundle!

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.51% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one...Show More

Unlock financial growth with the Axos One Bundle! Earn high interest with an impressive 4.51% APY on your savings and enjoy a solid 0.51% APY on your checking balance—all in one streamlined package. Perfect for those who want to maximize their money, Axos One combines the flexibility of a checking account with the earning power of a high-interest savings account. Simplify your banking while watching your savings grow faster with Axos Bank's convenient, tech-savvy approach.


Disclaimers:

The Annual Percentage Yield (APY) is accurate as of 10/3/2025. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:Option 1Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.The average daily balance of your Axos ONE® Checking account is at least $1,500.Option 2Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.The average daily balance of your Axos ONE® Checking account is at least $5,000.If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.The Axos ONE® Savings account will earn a promotional rate of up to 4.51% APY for the statement cycle in which the requirements are met.The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
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Up To 4.51% APY

Go to the deal

Chase College Checking^℠ Features

• Eligibility. First thing’s first. You can open a Chase College Checking℠ account if you’re between the ages of 17 and 24, and if you provide proof of your college student status.
  • If one of the above does not apply to you, then move along. This account is not for you.
• Minimum Deposit Requirements. There is no minimum deposit requirement.
• Transaction Limits. You’re free to spend or save as much as you want. There are no transaction limits or other restrictions on your account (as long as your balance remains positive and you abide by the terms and restrictions, of course).
• Online Billpay. This billpay feature is built into Chase’s mobile app (mentioned above), so you can pay bills once, or on a recurring basis, at any time, from anywhere.
• Chase QuickPay with Zelle. This free P2P payment service is Chase’s answer to Venmo and Square Cash. Pay friends and people you know without having to write a check or making a trip to the ATM. It’s great for when you owe cash to someone who paid for a taxi ride or concert tickets.
• Mobile Check Deposit. Chase makes it easy with its state-of-the art mobile app. All you have to do is take a photo of the front and back of the endorsed check and follow the user-friendly prompts to deposit it without hitting up an ATM or walking into a branch.
• Text Banking. Use simple text commands 24/7 to complete a variety of banking tasks, like balancing checks.
• Customer Support. If you have any questions, it’s easy to reach Chase. You can hit them up online, or via phone, 24/7.

READ MORE: SEE THESE CASH BACK SHOPPING DEALS AND PROMOTIONS FOR BONUS CASH AND REWARDS

Chase College Checking℠ Pros & Cons

PROS

• No Minimum Deposit Required

• Easy-to-Waive Monthly Maintenance Fee (see above)

• Easy-to-Use & Convenient Chase Mobile App & Quickpay with Zelle, featuring…
  • Check deposit
  • Online billpay
  • P2P transactions
• Also Easy-to-Use & Convenient Text Banking
  • Ability to balance checks, transfer funds, etc.
  • No need to log onto a public WiFi or LTE or getting yourself to an ATM or branch.

CONS

• Checks are Not Free: Instead, pay what you have to online via the Chase Mobile App or Chase QuickPay with Zelle.

• No Yield on Deposits: Unfortunately, the Chase College Checking℠ is a non-interest bearing account. If you’re looking to make a bit of money while saving money, we suggest you look elsewhere.

READ MORE: CUSTOMERS ARE LOVING THIS PROMOTION FROM BANK OF AMERICA

The Fees

• $0 Monthly Service Fee for students 17 to 24 years old at account opening enrolled in college or a vocational, technical or trade school, up to the graduation date provided at account opening (five years maximum)
• Non-Chase ATM Fee: $3 fee per withdrawal at a non-Chase ATM in the U.S. and the U.S. territories. $5 fee per withdrawal at a non-Chase ATM outside of the U.S. and the U.S. territories. Surcharge Fees from the ATM owner/network still apply. U.S. territories include American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.
• NSF (Non-Sufficient Funds) fee is $34.
• If you lose your card, there’s a replacement fee of $5.
• If transactions are not in U.S. dollar, you can be charged with a 3% currency adjustment fee. This fee might go on top of any other international ATM fees and surcharges levied by Chase, local banks, and ATM operators.

Bottom Line

The Chase College Checking℠ account is a great first step to a financially responsible path.  It’s a low-cost, low-hassle checking account option for US college students who enjoy the convenience of remote banking.

If you’re not going abroad and you’re not looking to make interest on your deposit, then the Chase College Checking℠ is a great choice.

Do you have your own experience with Chase College Checking to share with our readers? If you do, please write in the comments.

>> GET THE $125 CHASE COLLEGE CHECKING^℠ BONUS BEFORE IT EXPIRES

For the latest Chase Bank promotions, including bonuses up to $3,000 for checking, savings, and business accounts, visit our best Chase promotions page.

READ MORE: SEE THE BEST BANK BONUSES HERE.

By Tony Jay, a seasoned finance blogger and executive editor, who boasts over two decades of experience in the banking sector, with a specialization in online banking and savings strategies. Tony holds a doctoral degree from Tulane University. Edited by John Huynh, who brings more than two decades of experience in finance and investing, including as a senior finance and operations manager at a renowned research institute and degrees in economics and international studies from UC Irvine.

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