Chase Bank, the largest financial institution in the United States, provides a variety of promotional offers and customer benefits designed to attract new account holders and reward existing ones. These incentives often include substantial cash bonuses for opening specific checking or credit card accounts and meeting certain eligibility requirements. As of November 2025, the bank is actively promoting several offers that can provide significant financial returns for consumers who meet specific criteria. The bank serves approximately 80 million customers and maintains a physical presence in all 48 contiguous states, with 4,700 branches available for in-person access. This extensive network, combined with digital tools, allows consumers to manage their finances and take advantage of available promotions efficiently.
The current promotional landscape focuses primarily on checking accounts and credit cards rather than savings accounts. While standard savings rates at Chase are relatively low, customers with existing checking accounts may qualify for relationship rates on certain savings products, such as certificates of deposit (CDs), which can offer significantly higher annual percentage yields (APYs) compared to standard rates. For example, eligible customers may secure rates up to 4% APY on specific CD terms. Beyond interest rates, Chase offers digital financial tools, including the Chase Credit Journey for credit score monitoring and the Chase Budget tool for personalized budgeting. Additionally, current customers can earn cash back through the Chase Offers program using their debit cards and can participate in a referral program that allows them to earn up to $500 per calendar year for referring friends and family who open qualifying checking accounts.
Current Checking Account Promotions
Chase offers a variety of checking account bonuses targeted at different demographics, including college students, business owners, and high-net-worth individuals. The most prominent offers available in November 2025 include the Chase Total Checking account and the Chase Private Client Checking account.
Chase Total Checking – $300 Bonus New Chase checking customers are eligible to receive a $300 bonus when they open a Chase Total Checking account. To qualify for this bonus, the account holder must set up and receive direct deposits totaling $500 or more within 90 days of account opening. This offer is considered one of the best bank bonuses currently available due to the relatively low deposit requirement and high return on investment. The monthly service fee for Chase Total Checking is $12, but this fee can be waived if the account holder sets up direct deposits totaling $500 or more each month or maintains a daily balance of $1,500.
Chase Private Client Checking – Up to $3,000 Bonus For customers with substantial assets, Chase offers a bonus of up to $3,000 for opening a Chase Private Client Checking account. This is a premium account designed for relatively wealthy customers. To qualify for the bonus, customers generally need to deposit and maintain a combined average daily balance of $150,000 or more across linked Chase bank and investment accounts. The account carries a $35 monthly service fee, which can be waived by maintaining the $150,000 balance requirement or by linking a Chase Platinum Business Checking account. This offer is often invitation-only, but eligible customers can apply online. The bonus structure typically requires the funds to remain in the account for a specific period, such as six months, to avoid forfeiture of the bonus.
Chase Secure Banking – $100 Bonus Chase also offers a $100 bonus for opening a Chase Secure Banking account. This account is designed for customers who may have difficulty qualifying for traditional checking accounts or who wish to avoid overdraft fees. The Secure Banking account has a $4.95 monthly service fee, which cannot be waived. To receive the $100 bonus, customers typically need to complete qualifying activities, such as enrolling in paperless statements, within a specific timeframe.
Student and Business Checking Offers Chase provides specific bonuses for students and business owners. The Chase College Checking account offers a $125 bonus for eligible students. This account has no monthly service fee for up to five years while the student is enrolled in college. Similarly, the Chase High School Checking account offers a $125 bonus for students aged 13 to 17, with no monthly service fee until the student turns 17. For business owners, the Chase Business Complete Checking account offers a $500 bonus. To qualify, business owners typically need to maintain a minimum balance and complete a specified number of transactions within the first few months of account opening.
Credit Card Promotions and Sign-Up Bonuses
In addition to checking accounts, Chase offers competitive credit card promotions. These bonuses often require new cardholders to spend a certain amount within the first few months of account opening.
Chase Freedom Unlimited – $250 or $200 Bonus The Chase Freedom Unlimited credit card is a popular option that offers a sign-up bonus of $250 (as reported in one source) or $200 (as reported in another). The discrepancy suggests that offer amounts may vary over time or by specific promotion. To earn the bonus, new cardholders typically need to spend at least $500 on purchases within the first three months of account opening. Once the spending requirement is met, a statement credit is applied to the account. One strategy suggested for maximizing this bonus is to use the card for a planned large purchase of at least $500 and immediately pay off the balance using saved funds, thereby meeting the spending requirement without incurring debt.
Chase Sapphire Preferred – 75,000 Ultimate Rewards Points The Chase Sapphire Preferred card offers a bonus of 75,000 Ultimate Rewards points. These points can be redeemed for travel, cash back, or other rewards, often at a value of more than $750 when redeemed through the Chase Ultimate Rewards portal. The requirements to earn this bonus generally mirror those of other Chase credit cards, requiring a specific amount of spending within the first three months.
Chase Private Client and Investment Bonuses For high-net-worth individuals, Chase offers bonuses through its J.P. Morgan Self-Directed Investing account. New clients can earn up to $700 when they open and fund a J.P. Morgan Self-Directed Investing account with qualifying new money. The bonus amount is tiered based on the amount of funds deposited, typically starting at $5,000 for the lower tier and scaling up to $250,000 for the maximum $700 bonus.
Important Terms and Conditions
Consumers interested in Chase promotions must be aware of specific terms and conditions that apply to all offers. One critical requirement is the "new customer" definition. Generally, an existing customer is defined as someone who has an open Chase checking account or has closed one within the past 90 days, or who has received a promotional bonus for a Chase checking account within the past 24 months. If a customer does not meet the new customer criteria, they will not be eligible for the bonus.
Furthermore, all bonuses are considered taxable income. Chase will issue a Form 1099-INT to the account holder for any bonus earned during the tax year. Account holders are responsible for reporting this income to the IRS.
Another important stipulation is the account retention period. If a customer earns a bonus and closes the account within six months of opening, Chase reserves the right to deduct the bonus amount from the account balance at closing. This ensures that customers maintain their banking relationship with Chase for a reasonable period.
Finally, eligibility for specific offers may vary by location. While Chase has branches in 48 states, some promotions may be targeted to residents of specific regions or may require opening an account online rather than in a branch. Customers should always verify the specific terms of the offer they are interested in before applying.
Conclusion
Chase Bank provides a robust selection of financial promotions for new and existing customers. The most significant bonuses are tied to checking accounts, particularly the $300 offer for Chase Total Checking and the up to $3,000 offer for Chase Private Client Checking. Credit card bonuses, such as the $200 to $250 offer for the Chase Freedom Unlimited card and the 75,000-point bonus for the Chase Sapphire Preferred card, also provide substantial value. Consumers should carefully review the eligibility requirements, direct deposit or balance minimums, and account retention rules to ensure they qualify for and retain these bonuses. Additionally, existing customers can benefit from relationship rates on savings products and cash-back opportunities through the Chase Offers program.