Chase US referral: up to $650 on a new checking account
This Chase referral page lets eligible new US customers choose between Secure Banking ($175), Total Checking ($400) and Premier Plus Checking ($650). Each account has a different transaction, direct-deposit or balance requirement, so check the offer attached to your referral before applying.
US only: this referral is for Chase personal checking accounts in the United States. Chase decides eligibility and approval.
Quick answer
Use the referral link for the Chase offer. New eligible customers can get Up to $650 after meeting the requirement: Secure Banking: 10 qualifying transactions within 60 days; Total Checking: $1,000 in direct deposits within 90 days; Premier Plus: $15,000 in new money within 30 days and a $15,000 balance for 90 days. Last verified 2026-10-24.
- Reward
- Up to $650
- Referral code
- No code required
- Last verified
- 2026-10-24
- Difficulty
- Hard
- Time to claim
- 10–20 minutes to apply, plus the selected account's qualifying period
- Time to payout
- Within 15 days after the selected account's qualifying activity, according to the offer page
Ad / referral links — we may earn a bonus when you sign up.
How to claim
- Open this Chase referral link and review the three checking offers shown for your referral key before choosing an account.
- Confirm you are a new Chase customer in the United States and that the selected offer's live terms accept your application; account opening is subject to approval.
- Choose the account whose fee and qualifying activity fit your plans. Secure Banking pays $175 after 10 qualifying transactions within 60 days; Total Checking pays $400 after $1,000 of qualifying direct deposits within 90 days; Premier Plus pays $650 after $15,000 of new money within 30 days and a $15,000 balance for 90 days.
- Apply from the referral page and keep the offer confirmation or coupon code. Do not switch to a separate public application page, because the referral offer is attached to this route.
- Complete only the qualifying activity shown for the account you selected. Chase says the new-account bonus is deposited within 15 days after the qualifying activity is complete.
Eligibility & requirements
- US consumer checking applicants only; Chase says the account is subject to approval and the referral page's live offer controls the final eligibility decision.
- Secure Banking: open a new account and make 10 qualifying transactions within 60 days of offer enrollment. The page lists debit-card purchases, Zelle, ACH credits, Chase QuickDeposit and online bill payments as qualifying transaction types.
- Total Checking: open a new account and receive direct deposits totaling at least $1,000 within 90 days of offer enrollment. Chase says paychecks, pensions and government benefits count; checks, Zelle, micro-deposits and ordinary transfers do not.
- Premier Plus Checking: deposit at least $15,000 of new money within 30 days of offer enrollment and maintain a $15,000 balance for 90 days. Money already held by you at Chase or its affiliates does not count as new money.
- Chase's offer pages say you can receive only one new checking-account-opening bonus every two years from the last coupon or offer enrollment date, and only one bonus per account. Not available to existing Chase checking customers, or anyone whose account was closed within 90 days or closed with a negative balance within the last 3 years.
- The bonus is treated as interest and reported on IRS Form 1099-INT (or 1042-S).
- Monthly service fees vary by account: the referral page shows $0 or $4.95 for Secure Banking, $0 or $15 for Total Checking, and $0 or $25 for Premier Plus. Read the fee-waiver rules before applying.
- The referral page also offers an optional savings bonus: $100 for $5,000–$9,999.99, or $200 for $10,000 or more, of new money deposited within 30 days and held for 90 days.
Verification notes
- Minimum spend/deposit
- Secure Banking: 10 qualifying transactions within 60 days; Total Checking: $1,000 in direct deposits within 90 days; Premier Plus: $15,000 in new money within 30 days and a $15,000 balance for 90 days
- Last verified
- 24 October 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- The referral page shows the account choices and their headline bonuses before you apply.
- Secure Banking has the lowest stated cash threshold: 10 qualifying transactions rather than a large balance requirement.
- Total Checking and Premier Plus can suit people who already receive payroll deposits or hold substantial new cash in the US.
- Chase says the selected checking bonus is deposited within 15 days after the qualifying activity is complete.
Watch out for
- The reward is not one fixed amount: the $175, $400 and $650 offers have different product costs and qualification clocks.
- Premier Plus ties up $15,000 for 90 days, and its headline bonus is not a reason to move money you need elsewhere.
- Chase may charge a monthly service fee if you do not meet the selected account's waiver conditions.
- Approval, new-customer status and qualifying-transaction treatment are controlled by Chase's live terms; the referral page can change.
FAQ
- Which Chase account pays the largest referral offer?
- The current referral marketplace shows up to $650 for Chase Premier Plus Checking. It requires $15,000 of new money within 30 days and a $15,000 balance for 90 days. Secure Banking shows $175 and Total Checking shows $400 with different requirements.
- Can I choose the $175 Secure Banking offer instead?
- Yes, if it is shown for your referral and Chase approves the account. Secure Banking's page says the $175 requires 10 qualifying transactions within 60 days of offer enrollment.
- What counts for the $400 Total Checking offer?
- Chase says direct deposits totaling at least $1,000 within 90 days count. It describes direct deposits as electronic payroll, pension or government-benefit payments; checks, Zelle, micro-deposits and ordinary transfers do not count.
- Is the $650 bonus guaranteed?
- No. It is the current headline for one account choice. You must be eligible, be approved, complete the new-money and balance requirements, and keep following the live Chase terms.
- When does Chase pay the bonus?
- Each selected-account page says the new-account bonus is deposited within 15 days after you complete its qualifying activity. The live offer page controls if that wording changes.
- Can I use this referral if I already bank with Chase?
- Not if you already have a Chase checking account. The offer is also closed to anyone whose account was closed within 90 days or closed with a negative balance within the last 3 years, and Chase pays one checking-account-opening bonus every two years.
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Added 23 October 2026 · Last updated 23 October 2026. Offers and terms change frequently - always confirm on the provider's site before applying.