How to Get $600 From Chase | Hit The Bonus Cleanly

Earn the $600 offer by opening the right Chase accounts, meeting deposit rules, and keeping fees at $0 until the bonus posts.

Bank bonuses can feel simple on the surface: open an account, move money, get paid. The real work is in the fine print—what counts as a qualifying deposit, how long you must keep the account open, and which fees can eat into the payout. This walkthrough keeps it practical so you can chase the $600 offer the way Chase expects it to be done.

One quick reality check first: Chase changes public promotions over time. Some months you’ll see a combined checking-and-savings offer that totals $600. Other months the public coupon is a different amount. Your job is to match your actions to the exact offer you enrolled in, not what a blog post from last year remembers.

How to Get $600 From Chase Step By Step

The cleanest path is a combo offer tied to opening a new eligible checking account and a new eligible savings account under one promotion code. The $600 total is usually split into a checking bonus, a savings bonus, and a smaller extra bonus for completing both tracks. If you already have one of the accounts, or you opened and closed one recently, you may not qualify.

Step 1: Pull the official offer and save proof

Start on Chase’s offer page and read the terms before you click submit. If the public page is showing a different amount than $600, stop and decide whether you still want to proceed. Save your own proof of what you enrolled in. Take screenshots of the offer summary, the full terms, and the date you enrolled. If you open in-branch, ask the banker for the coupon code and the printed disclosure pages you signed.

Step 2: Check eligibility before you open anything

• Make sure you are a “new customer” for the promotion you want. Chase bonuses often exclude people who had the same account type within a prior window.
• Match the account names in the offer to the account names on the application. “Total Checking” is not the same as every other Chase checking option.
• Plan to keep the account open through the bonus posting date. Closing early can void the payout or trigger a clawback.

Step 3: Open both accounts the way the offer requires

Many combo promos require opening both accounts in the same session with the same promotion applied. If you open checking today and savings next week, you may lose the extra “both” bonus. If the offer allows branch openings, you can open both accounts during the same appointment.

Step 4: Set up the checking requirement with real direct deposits

Checking bonuses are commonly tied to direct deposits that come from an employer payroll provider or a government payer. Person-to-person transfers and most app-to-app moves won’t count. If your offer calls for a total amount (like $1,000 within 90 days), set up payroll to land in the new account and let at least two pay cycles hit so you’re not racing the deadline.

Step 5: Hit the savings requirement with “new money” only

Savings bonuses often require a minimum deposit that must be “new money,” meaning funds not already held at Chase or its affiliates. Read the offer’s deposit window and holding period. If the terms say “deposit within 30 days” and “keep the balance for 90 days,” treat that like a calendar and don’t dip under the threshold.

Step 6: Avoid monthly fees while you wait for payout

Fees are the silent bonus killer. Many Chase checking accounts waive the monthly fee when you meet a deposit or balance rule each statement period. Don’t assume you’re covered just because you met the one-time bonus deposit. You still need to meet the ongoing waiver rule every month. Pick one waiver method and stick to it for each statement cycle until the bonus arrives.

Step 7: Track deadlines and bonus posting windows

Chase promotions usually use three clocks: the enrollment date, the time you have to complete required deposits, and the time Chase has to post the bonus after you finish. Put each date on your calendar, plus a buffer week. If you hit all requirements and nothing posts by the promised window, contact Chase with your screenshots and deposit dates.

Getting $600 From Chase With A Checking And Savings Bonus

This section helps you decide whether the $600 route is a good trade for your cash flow. The promo is paid as taxable income in many cases, and the holding period can tie up funds that might earn a better rate elsewhere.

When the math works

• You can meet the checking deposit rule through normal paychecks or benefits with no extra effort.
• You can park the savings “new money” amount without risking missed bills.
• You can avoid service fees the entire time.

When to pause

• You’d need to borrow money or shuffle balances in a way that risks fees.
• The savings balance requirement would crowd out higher-yield options you already use.
• You might need the cash before the holding period ends.

If you still want to proceed, set one rule for yourself: meet the requirements with boring, repeatable transactions. No fancy workarounds. That keeps the bonus clean and reduces the odds of a denial.

Common paths Chase uses for bonuses and what to watch for

Chase runs several bonus types at the same time. Not all of them stack, and some are targeted. Use the table to map your plan before you start moving money.

You can start by checking Chase’s public coupon pages and reading the full terms. Here is the current public coupon page for a checking bonus: Chase Total Checking bonus offer.

Bonus path	What it usually requires	What can go wrong
Checking-only public coupon	Open eligible checking and receive required direct deposits within the offer window	Deposits that are transfers or app payments may not qualify
Checking + savings combo totaling $600	Open both accounts under one promotion and finish both tracks within each deadline	Opening accounts on separate days can void the “both” portion
Chase Private Client promo	Transfer qualifying new money or securities and keep it through the measurement day	Large balance needed; fees apply if balance rules are missed
Business checking promo	Open eligible business account and complete qualifying transactions	Personal deposits may not count; business docs may be needed
Refer-a-friend checking link	Friend opens with your link; you receive referral payout	Referral cap per year; offer can change midstream
Targeted “mybonus” card offers	Enroll a card and meet spend terms by the deadline	Not tied to deposit accounts; category rules can be strict
Credit card sign-up bonuses	Meet minimum spend after approval	Not the same as a $600 bank bonus; credit pull applies
Student or youth checking promos	Age or school status limits; smaller payout	Not available in all states; requirements differ

Fees, holds, and the “new money” trap

Most bonus issues come from three areas: service fees, “new money” rules, and timing. Tackle each one early and you’ll sleep better during the waiting period.

Service fees

Chase checking accounts often waive the monthly fee when you meet a deposit or balance rule each statement period. The exact waiver menu for Total Checking is shown on Chase Total Checking account details. Don’t assume you’re covered just because you met the one-time bonus deposit. You still need to meet the ongoing waiver rule every month until the bonus posts.

If you want a safer routine, link your waiver method to something that repeats on its own, like payroll deposits, not a manual transfer you might forget. Also watch the statement cycle dates. A deposit on the last day of a cycle can land too late if it posts after the cutoff.

Holds and availability

If you fund the account with a check, some of the money may not be available right away. Plan so that your direct deposit still lands while the account has room to clear holds and keep your balance above any savings requirement.

A simple way to avoid stress: fund the account a few days before the direct deposit is scheduled, then leave the funds alone. If you’re juggling bill payments, set alerts so you can catch a low balance before a fee hits.

“New money” rules

Chase often treats transfers from another Chase account as ineligible for savings promos. If you are moving funds from an external bank, send it from an account in your name, then verify the deposit posted as expected. If you move money out during the hold period and your daily balance dips under the required level, the savings bonus can be denied.

Also watch the deposit window. If the terms give you 20 or 30 days, treat that as a hard deadline. Waiting until day 29 is how people end up calling customer service with a headache.

Tax and reporting basics for bank bonuses

Many bank bonuses are reported as interest income. If you earn enough interest income, you may receive a Form 1099-INT. The IRS page About Form 1099-INT explains what the form is and when it’s used. Treat the bonus like taxable income unless Chase states otherwise in the promo terms.

If you share a joint account, the 1099-INT might be issued to one taxpayer. Plan for that at tax time so there are no surprises. Store the tax form with your other documents so you don’t miss it in January.

Safety checks before you move large balances

If you are parking a large savings balance to meet a promo, watch deposit insurance limits. FDIC coverage is generally $250,000 per depositor, per FDIC-insured bank, per ownership category. The FDIC’s page on Understanding deposit insurance lays out the rule and ownership categories.

Also keep your login secure, turn on alerts, and avoid sending sensitive details over email. A bonus is never worth a messy account recovery.

Checkpoint	What to do	When to do it
Save the offer terms	Screenshot the offer, coupon code, and full disclosure pages	Day you enroll
Start payroll direct deposit	Route pay to the new checking account and let at least two deposits post	First two pay cycles
Fund savings with external transfer	Send “new money” from another bank and confirm the deposit cleared	Within the offer’s deposit window
Hold the required balance	Keep daily balance at or above the savings threshold for the full holding period	Entire holding period
Waive monthly fees	Meet one fee-waiver method every statement cycle	Each statement period
Mark the payout window	Add the posting deadline plus a buffer week to your calendar	After requirements are met
Check for tax forms	Watch for 1099-INT delivery and store it with tax docs	After year end

What to do if the $600 offer is not available

If you can’t find a $600 combo offer on Chase’s official pages, you can still decide between two practical options:

• Take the public checking bonus instead. Chase often runs a public checking coupon with a lower deposit threshold than many competitors. Use the official coupon page and follow its terms to the letter.
• Wait for a combo promo to return. If your cash flow makes the savings holding period feel tight, waiting can be the cleaner call than forcing it.

In both cases, keep your screenshots. If a banker quotes a promo amount, ask for the written terms tied to the code you used.

A clean one-page checklist you can copy into your notes

• Pick one offer and stick to it.
• Save the terms and the enrollment date.
• Open the exact account types listed in the offer.
• Use employer or government direct deposit for the checking track.
• Fund the savings track with external “new money” and hold the balance.
• Meet a fee-waiver rule each statement cycle.
• Keep the account open until after the bonus posts.
• Store any 1099-INT with your tax records.

If you follow the offer terms, keep fees at $0, and track your dates, getting paid by Chase feels routine. That’s the goal.