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If you're looking for a bank bonus, Chase has some big, big promotions to get excited about. With that in mind, let's take a look at its current offers.
Chase Total Checking®
*With Chase Overdraft Assist℠, we won’t charge an Overdraft 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.
How you earn it:
How you qualify: Only new Chase checking account customers. These are clients who (1) don't currently have a Chase checking account (2) have closed a Chase checking account in the last 90 days or (3) have had a Chase checking account closed with a negative balance in the last three years.
Where to open an account: Open a Chase Total Checking® account by requesting a coupon code to be sent to your email so you can open it in person. Or you can open it through the offer page.
Monthly fees: $12, which can be waived through one of the following:
Offer expires: July 24, 2024
Chase Savings℠
The Chase Savings account doesn't offer a high APY, but it remains a popular pick because of the bank's impressive customer service and huge branch network. Those who prefer personalized, in-person support will find Chase difficult to beat.
How you earn it:
How you qualify: New Chase customers only. If you closed a Chase Savings℠ account within the last 90 days, or had a Chase account closed with a negative balance in the last three years, you are not eligible.
Where to open an account: Online through the offer page or in person with a coupon code sent to your inbox.
Monthly fees: $5, which is waivable through the following ways:
Offer expires: July 24, 2024
Chase Total Checking®
*With Chase Overdraft Assist℠, we won’t charge an Overdraft 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.
Chase Savings℠
The Chase Savings account doesn't offer a high APY, but it remains a popular pick because of the bank's impressive customer service and huge branch network. Those who prefer personalized, in-person support will find Chase difficult to beat.
How you earn it:
How you qualify: New Chase customers are eligible, that is, those who haven't had a Chase account within 90 days or whose account was closed with a negative balance within the last three years.
Where to open an account: Online through the offer page, or in person with a coupon code sent to your inbox.
Monthly fees: $12 for Chase Total Checking® and $5 for Chase Savings℠, though both accounts offer multiple ways to waive those (see above).
Offer expires: July 24, 2024
Chase Secure Banking℠
Chase Secure Banking℠ is a checking account offered by Chase that advertises no minimum deposit and the ability to get your money up to two business days early with early direct deposit, all for a $4.95 monthly account fee. This account falls short on other features, however, so you may be better off looking elsewhere for a checking account you plan to use often.
How you earn it:
How you qualify: You need to be a new Chase checking account customer to qualify. Chase defines a new customer as someone who (1) doesn't currently have a Chase checking account (2) hasn't had a Chase checking account in the last 90 days or (3) hasn't had a Chase checking account closed with a negative balance within the last three years.
Where to open an account: You can open the account through the offer page, or request a coupon code be sent to your email to open it in person.
Monthly fees: $4.95
Offer expires: July 24, 2024
Chase Business Complete Checking
A solid option for business owners who can maintain the requirements for the fee waiver and who want easy access to in-person banking. While the Business Complete account isn't free by nature, meeting the minimum balance to waive the fee is likely doable for many small businesses.
How you earn it:
How you qualify: As with the personal checking accounts discussed above, you can't currently have a Chase Business Complete Checking account. If you've had a Chase business account in the past, you're ineligible if the account was closed within the last 90 days or closed with a negative balance within the last three years.
Where to open an account: You can open an account through the offer page (coupon code will be automatically applied), or by requesting an offer code be sent to your email to open the account at a Chase branch.
Monthly fees: $15, which you can waive in one of the following ways:
Offer expires: July 22, 2024
How you earn it:
3. Maintain your new money deposit for 90 days. Then, your bonus will be deposited in your account within 40 days.
How you qualify: The offer is valid for new Chase Private Client Checking accounts. If you're upgrading a Chase account, the offer is valid on personal checking, personal savings, and qualifying J.P. Morgan Wealth Management non-retirement accounts.
Where to open an account: Visit a Chase branch and open the account in person with a private client banker.
Monthly fees: $35, which can be waived in the following ways:
Offer expires: July 24, 2024
The biggest thing to watch for is the account fees. While all the bank accounts discussed above offer multiple ways to waive fees, they can still be pesky if you don't meet requirements. If you'd rather avoid fees altogether, you might be better off opening a free savings account instead.
If you've already decided to bank with Chase, earning a bonus is just icing on the cake. That said, if you're not totally sold on Chase, be sure to check out other bank bonuses. While Chase offers some of the biggest bonuses out there, other banks, like U.S. Bank, have generous bonuses too.
Make sure you're getting the best account for you by comparing savings rates and promotions. Here are some of our favorite high-yield savings accounts to consider.
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Yes, bank bonuses are taxable as regular income. Typically, the bank will send you a 1099-INT or 1099-MISC. Even if you don't get one of those forms, you're still responsible for reporting it on your tax return.
Chase will deduct your bonus if you close your new checking account within six months of opening it.
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