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Chase Total Checking Offer: $200 Cash Bonus for New Accounts

This popular Chase account gives you access to the bank's nationwide footprint, in-branch customer service and a welcome bonus for new customers.

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Chase Total Checking® is the bank’s beginner checking account that offers basic value without the special perks of premium accounts, and new customers can take advantage of the Chase new account bonus.

New customers can earn a $200 Chase checking account bonus when they open a new account and set up direct deposit. Additionally, this Chase checking account features a monthly maintenance fee of $12 that is easy to get waived.

If you’re looking for a new checking account for your everyday banking needs, here’s everything you need to know about this popular Chase deposit account.

For those interested in a business checking account, there are some enticing benefits for those opening a new Chase business checking account.

Offer Details

Secure application on issuer’s website.

Chase Total Checking®
Bonus:
$200 for New Accounts
Monthly Fees: $12 monthly service fee with options to waive
Minimum Opening Balance: None
Features:
In-branch customer service in any of Chase’s nationwide locations
Monitor your account and identity with account alerts
Access to your free credit score
Access to 16,000 ATMs and more than 4,700 branches
Zero liability protection
FDIC insured

In this article

Benefits and Features

Monthly Service Fee$12
Minimum Daily Balance to Waive Monthly Fee$1,500
Average Percentage Yield (APY)N/A

Big banks tend to charge a lot of fees, so any chance you can get to save money is a good one. The Chase Total Checking account does have a $12 monthly fee, but that service fee can be waived in several ways. Plus, the checking account allows access to time-saving features like:

  • Account management through the Chase Mobile App
  • A network of 16,000 ATMs and nearly 4,700 branch locations
  • Chase QuickDeposit
  • Online bill pay
  • Chase QuickPay with Zelle
  • Paperless statements

Convenient Locations

When you bank with one of the largest banks in the U.S., you get quick access to your cash from just about any location nationwide, as well as in-person service from one of its brick-and-mortar branches. Banking with Chase means you have access to 16,000 ATMs and over 4,700 branches.

Chase Total Checking is available online nationwide, except in Alaska, Hawaii and Puerto Rico.

Mobile Banking

While Chase is generally considered a brick-and-mortar bank, it does have highly-rated and easy-to-use apps for both iOS and Android users. You can use the Chase mobile app to manage your accounts, deposit checks remotely, find branches and ATMs and transfer money.

Zelle

With any Chase checking account, customers can use the third-party payment service Zelle to request money and send payments to virtually anyone with a U.S. bank account, email address or phone number.

Chip and Cardless Technology

In addition to being able to use a debit card for purchases, customers can add the Chase debit card to their digital wallets for cardless transactions.

Chase Total Checking Sign-Up Bonus: $200

The main reason to consider getting a new Chase Total Checking account is its $200 welcome bonus, which is quite generous when compared with other bank bonuses. Bank account bonuses aren’t exactly rare, but some of them require you to jump through a lot of hoops.

For example, you may be required to make a certain number of debit card purchases, set up and use the bill pay feature or deposit a significant amount of money and keep it there for a few months. With this bonus, however, all you have to do is open an account and set up direct deposit to have your paycheck, pension or government-issued benefits deposited into your account to earn the $200 bonus.

The bonus promotion expires on January 25, 2023, but don’t worry if you miss out on this run. The bank has done several versions of the deal in the past — including one with a $300 bonus as well as a previous promotion that offered a $225 bonus. We’ll keep you updated on any bonus changes.

Just make sure to request a coupon by email or apply through the welcome bonus landing page to have the promotion added to your account.

Increase Your Checking Bonus with a Chase Credit Card Bonus

If you’re a credit card enthusiast, Chase offers some of the best credit cards across all categories. If you’re interested in earning a solid bonus, here are several you may want to consider.

Chase Freedom Flex℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: $200
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders can enjoy an introductory 0% APR on both purchases and balance transfers for the first 15 months. After the introductory period, a variable rate will apply. Balance transfers made within the first 60 days of account membership will be charged a balance transfer fee of either $5 or 3% of the amount of each transfer. After 60 days, that balance transfer fees increases to either $5 or 5% of the amount of each transfer, whichever is greater.

APR: Variable APR depending on credit worthiness. See terms for details.

Rewards Rate: Earn 5% cash back on up to $1,500 spent each quarter in rotating categories (when you activate), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on everything else.

Sign-Up Bonus: Receive a $200 bonus after you spend $500 in the first three months.

Who Should Use This Credit Card? People who want to maximize cash-back rewards with the option to get more value with travel redemptions.

Why We Like It

Why We Like the Chase Freedom Flex℠ Card

We love that the Chase Freedom Flex card expands on an already lucrative offering from Chase. The original Chase Freedom card was already a solid choice for cash-back enthusiasts, and this one raises the bar.

The Freedom Flex also gives cardholders access to Chase Ultimate Rewards, which is arguably the most versatile credit card rewards platform available. You’ll get plenty of redemption options at good rates. Plus, if you have one of the program’s travel credit cards, you can transfer points from your Chase Freedom Flex to your travel card account and get even more value and flexibility with how you redeem.

The Chase Freedom Flex Card is an excellent cash-back credit card for people who are looking to maximize rewards. Cardholders can take advantage of its excellent rewards rate: 5% cash back on rotating categories when you activate (up to $1,500 each quarter), 5% back on travel booked through Chase Ultimate Rewards, 3% back on dining, including takeout and delivery, 3% back at drugstores and 1% back on other purchases.

As a new Freedom Flex cardholder, you’ll also earn a $200 sign-up bonus after you spend $500 in the first three months.

The Freedom Flex also offers an introductory 0% APR on new purchases and balance transfers for the first 15 month from account opening. Read our full Chase Freedom Flex Card review.


Chase Freedom Unlimited® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: Extra 1.5% cash back on all purchases (up to $20,000 spent) in the first year
APR: Variable APR After Intro 0% APR Period
Intro Rewards Rate: 3%-6.5% Cash Back
Standard Rewards Rate: 1.5%-5% Cash Back
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: This card allows new cardholders to save money with an introductory 0% interest rate on new purchases and balance transfers for the first 15 months of account opening.

APR: Variable APR depending on credit worthiness.

Bonus: Earn an additional 1.5% cash back on all purchases (up to $20,000) in the first year of account opening. This bonus is valued at up to $300 in cash back, and increases rewards rates to: 6.5% cash back on travel booked through Chase, 4.5% back on dining (including takeout and eligible delivery services) and drugstore purchases and 3% back on all other purchases.

Rewards Rate: After the bonus 1.5% cash back intro offer period concludes, earn 5% cash back on travel booked through Chase Ultimate Rewards®, 3% back at drugstores and on dining purchases and 1.5% back on everything else.

Who Should Use This Credit Card? Households that prioritize cash-back rewards for everyday spending and Chase loyalists who are looking to maximize Ultimate Rewards earnings.

Why We Like It

Why We Like the Chase Freedom Unlimited® Card

You don’t need excellent credit to get the Chase Freedom Unlimited. In fact, many cardholders report getting approved with good credit. We like that the card offers a high flat rewards rate but also provides accelerated rewards on some common everyday spending categories. You’ll also get access to the Chase Ultimate Rewards portal, which allows you to use your cash-back earnings for travel rewards, gift cards and more.

And that sign-up bonus? Adding extra value to everyday spending categories like dining and travel help elevate this card above its competitors. Add the fact that there’s a 0% introductory APR for 15 months, an extra 1.5% cash back bonus during the first year of account holding and no annual fee, and you’ll see why the Chase Freedom Unlimited is among our favorite flat-rate cards.

More Details: The Chase Freedom Unlimited is a valuable all-around credit card with no annual fee. This cash-back card earns a rewards rate of 5% cash back on travel booked through Chase Ultimate Rewards, 3% back at drugstores, 3% back on dining, including takeout and eligible delivery services and a flat-rate 1.5% back on other purchases. There are no rotating categories to track, caps on how much you can earn or excluded purchase categories.

New cardholders can take advantage of its big sign-up bonus—enjoy an additional 1.5% cash back on all purchases (up to $20,000 spent) in the first year. This bonus is valued at up to $300 in cash back, and stacks with all the above rewards rates, meaning you can earn up to 6.5% cash back. Read our full review of the Chase Freedom Unlimited Card.


Chase Sapphire Preferred® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 60,000 Points
APR: Variable Rate
Rewards Rate: 1X-5X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers 5x points per dollar on travel booked through Chase Ultimate Rewards, 3x points on dining (including eligible takeout and delivery services), as well as 3x points on select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). This card earns 2x points on all other travel spending and 1x point per dollar everywhere else. Chase broadly defines travel to include not just airfare, hotels and rental cars, but expenses like parking, tolls and public transit too.

Sign-Up Bonus: New applicants can earn 60,000 bonus points after using their card to spend $4,000 on purchases in the first three months of account opening. That’s $750 when redeeming points to book travel through Chase Ultimate Rewards.

Who Should Use This Credit Card? People who are beginning with travel rewards cards.

Why We Like It

Why We Like the Chase Sapphire Preferred® Card

The Chase Sapphire Preferred actually works like having over a dozen different rewards credit cards. That’s because this credit card allows you to transfer your rewards points into miles with 11 airlines and points with three hotel programs.

Although the Chase Sapphire Preferred might not be ideal for the most frequent travelers and highest spenders, it’s part of a family of Chase cards that has a built-in upgrade path. So when it comes time to take your travel rewards game to the next level, you won’t have to start from scratch with an entirely different credit card and rewards program.

The card has a $95 annual fee, but the $50 annual Ultimate Rewards Hotel Credit effectively reduces that fee to $45. Plus, the credit card allows you to continue earning points through bonus categories and a 10% anniversary points boost. But when it comes time to redeem your rewards for travel, this card really shines. You can take advantage of some really strong transfer partners such as United, Southwest, Singapore Airlines, Virgin Atlantic and Hyatt. Similarly, you can just book any reservation you want through the Chase Ultimate Rewards travel center.

More Details: The Chase Sapphire Preferred Card is one of the gold standards for earning travel rewards. This travel credit card helps users earn points quickly with accelerated rewards in everyday spending categories like travel and dining.

Cardholders enjoy perks like a $50 annual hotel credit, 10% anniversary point boost and access to the Ultimate Rewards Travel portal.

New cardmembers can earn 60,000 bonus points after using their credit card to spend $4,000 within three months of account opening. This bonus is worth $750 in travel reservations booked through Chase Ultimate Rewards, but potentially more when transferred to airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.


Chase Sapphire Reserve® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $550
Bonus: 60,000 Points
APR: Variable Rate
Rewards Rate: 1X-10X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $550

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers 10x points per dollar spent on hotels and rental cars as well as 5x points on air travel booked directly through Chase Ultimate Rewards® immediately after you spend $300 on travel purchases annually. Additionally, earn 3x points per dollar spent on all other travel and dining purchases and 1x everywhere else.

Sign-Up Bonus: Earn 60,000 bonus points after using your card to spend $4,000 within three months of account opening.

Who Should Use This Credit Card? Frequent travelers who are serious about earning travel awards.

Why We Like It

Why We Like the Chase Sapphire Reserve® Card

Right off the bat, Chase Sapphire Reserve features a $300 annual credit for travel purchases. That means the annual fee is effectively just $250 per year for frequent travelers. You also get free access to more than 1,300+ Priority Pass lounges and restaurant options around the world. Those lounges usually give you free food and drinks, cleaner bathrooms, fast internet and a comfortable place to sit outside of the ruckus of an airport terminal. Plus, the Sapphire Reserve will get you access to the upcoming Chase Sapphire Lounge network.

If you’re looking to elevate your travel experience, look no further than the Chase Sapphire Reserve. When you first get approved, you’ll earn 60,000 bonus points after you spend $4,000 in the first three months — that’s worth $900 in travel booked through Chase Ultimate Rewards and potentially more if you transfer your rewards to one of Chase’s airline or hotel partners.

The Chase Sapphire Reserve® is among the top premium travel cards available. While this credit card comes with a hefty $550 annual fee, the Sapphire Reserve is packed with travel perks that more than make up for the expense.

Right off the bat, the Chase Sapphire Reserve® features a $300 annual travel credit. You also get free access to more than 1,300 Priority Pass lounges and restaurant options in airports around the world. Those lounges usually give you free food and drinks, cleaner bathrooms, fast internet and a comfortable place to sit outside of the ruckus of an airport terminal.

New cardholders can also earn a sign-up bonus of 60,000 points after they spend $4,000 during the first three months of account opening. This Chase Sapphire Reserve® bonus is worth $900 in travel redemptions when booking through the Chase Ultimate Rewards travel portal — where each point is worth at least 1.5 cents. Read our full Chase Sapphire Reserve review.

Chase Refer-a-Friend: Up to a $500 Referral Bonus

Once you’ve opened a new Chase checking account online or in-branch at a brick-and-mortar branch, you are eligible to participate in Chase’s Refer-a-Friend program. Earn $50 when a friend opens a qualifying Chase bank account, up to $500 each calendar year.

  • Invite your friends to bank with Chase. Start by entering your information into this form above and Chase provides a link to share.
  • Earn a $50 cash bonus for each friend who opens a qualifying checking or savings account with the link you send them (up to 10 referral bonuses per calendar year).
  • Your friend gets rewarded too when they open an eligible Chase bank account and complete qualifying activities.

How To Waive the $12 Monthly Fee

While the minimum opening deposit balance is $0, most people want to know the minimum daily balance to waive the monthly fee. This Chase account comes with a $12 monthly service fee.

However, you can get that monthly fee waived in one of three ways:

  1. Monthly Direct Deposit: Have direct deposits totaling $500 or more in new money each monthly statement period
  2. Maintain Daily Balance: Have a daily balance of at least $1,500 at the beginning of each day
  3. Average Balance from Linked Accounts: Have an average beginning day balance of $5,000 or more in any combination of linked qualifying Chase checking, savings and other accounts

Qualifying personal balances include Chase First Checking℠ accounts, personal Chase savings accounts (excluding Chase Premier Savings℠ and Chase Private Client Savings℠), CDs, certain Chase Retirement CDs and certain Chase Retirement Money Market Accounts.

How To Apply & Receive the Bonus

If you’ve decided to apply for a new account online or at a local branch, make sure to apply through the $200 bonus promotional page or get a coupon code before you start the process.

1. Apply Online or at a Bank Location

You can apply to open an account online. If you’re an existing Chase customer, you can log in to your online account, and the bank will pre-fill a lot of the application for you based on the information it already has about you.

If not, you’ll need to provide the following details:

  • Full name
  • Address
  • Date of birth
  • Social Security number
  • Citizenship status
  • Driver’s license or state ID
  • Email address and phone number

2. Fund Your New Account

Once your application has been approved, you’ll need to fund your account. If you’re opening it at a physical branch, you can use a personal check linked to another checking account or cash. If you’re processing the account online, you can link a debit card or checking account number to do a bank transfer, or you can use a non-Chase credit card to fund up to $500.

Note, however, that because of the nature of the transaction, using a credit card could be considered a cash advance by your card’s issuer. Cash advances come with fees and also start accruing interest immediately — often at a higher rate than the card’s regular purchase APR — so it’s best to avoid this option if possible.

3. Set Up Direct Deposit

Also, make sure to set up direct deposit within 90 days of opening your new account so you can earn the $200 bonus. You’ll get the money within 10 business days of your first direct deposit posting to your account.

Is Chase Total Checking Worth the $12 Monthly Fee?

chase logo over stock image
Credit: iStock.com/Georgijevic

A Chase Total Checking account isn’t right for everyone. Therefore, it’s essential to consider both the advantages and disadvantages of getting one. Here are some important considerations when deciding whether to open an account:

  • Can you get the monthly fee waived? The bank makes it relatively easy to get the monthly service fee waived. But if your financial situation makes it hard to skip the fee every month, you may want to look for a checking account that’s truly free.
  • No interest is earned on balance: Also, it isn’t an interest-bearing account. While this isn’t uncommon for checking accounts, there are several credit unions and online banks that offer interest-bearing checking accounts.

You can get a Chase Savings account, which offers interest, but the annual percentage yield (APY) is a measly 0.01% — you can find rates upwards of 1.00% APY with several other banks and credit unions.

As an example, Axos Rewards Checking is an online-only checking account that offers customers up to 1.25% APY. However with Axos Bank, you won’t have access to in-branch customer service, and the online bank generally does not offer checking bonus for new customers.

Other Service and Transaction Fees

Monthly Maintenance: $12
Non-Chase ATM Transaction: $3
International ATM Withdrawal: $5
International Transfers and Inquiries: $3
International Exchange Fee: 3%
Overdraft / Insufficient Funds: $0-$34‡
Incoming Wire Transfer: $15
Outgoing Domestic Wire:
– $35 per transfer if a banker helps you send the wire
– $25 per transfer if you use chase.com or Chase Mobile app to send the wire
Outgoing International Wire:
– $50 per transfer if a banker helps you send the wire in U.S. dollars or foreign currency
– $40 per transfer if you use chase.com or Chase Mobile app to send the wire in U.S. dollars
– $5 per transfer if you use chase.com or Chase Mobile app to send the wire in foreign currency
– $0 per transfer if you use chase.com or Chase Mobile app to send the wire in foreign currency AND the amount is equal to $5,000 USD or more

‡ With Chase Overdraft AssistSM, Chase won’t charge an Insufficient Funds Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

If you want to find lower checking account fees in general, you may want to examine online-only checking, but remember that online banks do not provide the in-person services that come with nationwide banks like Chase.

Maximize Your Checking With Chase Savings

If you’re not a Chase customer at all, now may be a good time to go all-in and apply for a Chase Savings℠ account along with your new checking account because both accounts complement one another.

Chase Savings

The Chase Savings account is the bank’s basic and most popular savings account. If you have the cash reserves to waive the low $5 monthly fee, Chase Savings is a nice little savings account.

If you’re considering a savings account for the long haul, the Chase Savings account may ideal. Its APY is low — with $10,000 and a 0.01% APY, you’re looking at $1 in interest every year. In contrast, many online banks offer high-yield savings accounts with APYs reaching up to 0.80% or higher. At that rate, your annual interest earnings would be $80. However, If you’re not too worried about maximizing your long-term interest income, Chase Savings can be well worth it.

One thing to consider before you apply for a Chase Savings account is its monthly service fee, which is $5. There are a few actions to get that fee waived including:

  • Have a daily balance of at least $300 at the beginning of each day.
  • Set up Autosave or other recurring automatic transfers of $25 or more each month from your personal Chase checking account.
  • Have a Chase College Checking account linked to this account for overdraft protection.
  • Be under 18 years old as the account owner.
  • Link your Chase Checking account to a Chase Better Banking Checking, Chase Premier Checking, Chase Premier Plus Checking, Chase Sapphire Checking or Chase Private Client Checking account.

Is Chase Total Checking Right for You?

For the most part, the Chase Total Checking account doesn’t offer a lot of valuable features. It’s a basic checking account that requires you to jump through some hoops to get the monthly fee waived.

But if you can easily qualify to get that fee waived, this account can be worth it to have the benefits of a national bank with branch locations in nearly every state. Furthermore, this Chase account is worth considering because of the $200 Chase bonus — it’s easy to qualify for, especially compared to a lot of other bank account bonuses.

However, it’s important to take some time to consider all of your options before you settle on a new checking account. Shop around and compare checking accounts from several banks and credit unions like Axos or SoFi and research features and fees to make sure you find the right fit.

Frequently Asked Questions

How does Chase Total Checking work?

Total Checking allows you to deposit and withdraw funds for everyday transactions, including depositing checks, using ATMs, making purchases with its debit card and setting up direct deposits of your paychecks, pension payments or government-issued benefits. The account features a mobile app and a secure website that can both handle most of your common banking needs, without an in-person trip to the bank.

Is Chase Total Checking free?

No, Total Checking is not free. Chase charges a $12 monthly maintenance fee to use this deposit account. Bear in mind, the monthly fee can be waived by meeting one of several waiver-eligibility requirements.

How do you waive Chase Total Checking monthly fee?

To waive the monthly fee, you can either keep a daily minimum of $1,500 in the account or receive $500 in direct deposits to the account. You can also avoid paying the fee with a combined daily average of $5,000 across all your Chase accounts.

Does Chase Total Checking have daily withdrawal limits or spending limits?

The withdrawal limits set by Chase Bank are the same for all checking account tiers, with the single exception of Chase High School Checking. The ATM limit is average compared to limits at other banks, but you can withdraw up to $3,000 from Chase’s new eATMs, which are accessible in-branch during bank hours. Chase’s debit purchase limit is somewhat lower than the average; more banks allow daily charges up to $5,000.

What’s the difference between Chase Total Checking and Chase Premier Plus Checking?

Chase Premier Plus Checking is best suited for people who like the idea of having multiple accounts with one bank and have the money or the mortgage relationship to be able to waive the account’s $25 monthly service fee. While Premier Plus Checking offers features and benefits that aren’t available with Total Checking, it does charge higher monthly service fee and also requires a higher minimum daily balance in order to waive its monthly service fee.

Does Chase Bank pay interest on the Chase Total Checking account?

No, the Chase Total Checking is not an interest-bearing account, so any balance on the account will not earn interest.

Can you open a second checking account with Chase?

Yes, you can have multiple Chase checking accounts. There is no set limit on the number of accounts you can open, whether at the same bank or across different banks. But to qualify for the bonus offer, you must be a new Chase checking customer.

Read More About Chase:

More Bank Bonuses and Promotions:

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Ben Luthi
Ben Luthi
Ben Luthi is a personal finance and travel writer and credit card expert. He has a degree in finance from Brigham Young University and worked in financial planning, banking and auto finance before writing full-time for NerdWallet and Student Loan Hero. Ben is now a full-time freelance writer and enjoys traveling and spending time with his two kids. His work has appeared in several publications, including U.S. News & World Report, USA Today, Money, Success and Slickdeals.

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