Doctor Of Credit

[Targeted] AmEx Offers: Hilton, Spend $200+ & Earn 20,000 Hilton Points

William Charles — Mon, 12 Oct 2026 19:48:10 +0000

The Offer

No direct link, targeted offer

Earn 20,000 additional Hilton Honors Bonus Points one-time after using your enrolled eligible Card to spend a minimum of $200 in one or more qualifying purchases on room rate and room charges, when you pay for your stay at participating Hilton properties from 10/12/2026 to 12/31/2026. Book at Hilton.com.

Our Verdict

Obviously a fantastic deal. Will stack with other Hilton deals such as:

View more Amex offers here & if you have any questions about American Express offers then read this post.

Chase Offers: Get 10% Back at Lowe’s/Lowes.com ($50 Cashback Max)

Chuck — Mon, 12 Oct 2026 18:37:51 +0000

Update 10/12/26: Lowes.com deal is back through 10/30/26. (ht Kyle) There’s a similar AmEx Offer deal available as well through 110/30/26.

Update 9/15/26: Offer for Lowes.com is back through 9/30/26. This time it’s for 10% back, up to $50 cashback. The versions I’ve seen are all for Lowes.com, but some readers apparently got one for Lowe’s physical stores.

Update: Seems to be lowes.com only so no gift card purchases.

The Offer

Check your Chase Offers for the following deal:

Got 15% cashback at Lowe’s. Max $50 cashback. Expires 7/2/26.

Our Verdict

Nice savings for Lowe’s. They sell various gift cards at Lowe’s as well. ~~I’m not sure if this offer is only on the IHG cards or various Chase cards.~~

Hat tip to reader Rudy

Capital One Shopping: Up To 94% Back On Klook

Chuck — Mon, 12 Oct 2026 17:45:27 +0000

Update 10/12/26: Klook deal is back. I’m seeing up to 40% on the homepage and up to 47% via email. Others got an email offer for up to 94%.

The Offer

Check your Capital One Shopping homepage or their emails for the following deal:

Get up to 40% back on Klook bookings:
- Tours, Sightseeing, Activities, and Experiences — 40%
- Hotels, Car Rentals, Attractions, Shows, Attraction Passes, Best Food and Must Eats, Transportation and Wifi — 25%
- Special Activities & Klook Gift Card — 2%
Some are getting an email from Capital One Shopping for up to 47.5%. Poke around and see if you can get yourself targeted.
Some are also seeing 39x on Capital One Offers in the login.

Our Verdict

Nice rates for hotel/car bookings at 25% back or for experiences at 40%. Things to note with Capital One shopping:

As always, keep in mind that Capital One Shopping portal does not require having a Capital One card or bank account. Also remember that the rewards are not cash but rather they cash out as gift cards for various brands. And here are are some tips to maximize Capital One Shopping offers.

If you’re new to Capital One Shopping, sign up via referral link to get $80. Here is our referral sharing thread and here is my own referral link (thanks!).

Hat tip to FM

Deal History:

Update 8/11/26: Klook deal is back. I’m seeing 24%/39% on the Capital One Shopping homepage, and seeing 34%/54.5% via email offer.
Update 7/5/26: Klook deal is back from Capital One Shopping daily deal – check your homepage and your email for the exact details and tiers since they vary.

Uber One Launches Limited Time Tiered Loyalty Program (Base, Platinum & Diamond)

William Charles — Mon, 12 Oct 2026 17:00:47 +0000

Uber One has launched a new tiered loyalty program. There are three tiers and you move between them based on how many rides you take in the previous three months (looks like it resets each quarter?). This is a limited time program that is scheduled to run through January, 2027.

Uber One Base. Doesn’t require any rides, $5 off an eligible order
Uber One Platinum. Requires 20 rides. $15 monthly benefit ($5 off an eligible order, 2 per month; $5 off a ride, 1 per month)
Uber One Diamond. Requires 60 rides. $25 monthly benefit ($5 off an eligible order, 3 per month; $5 off a ride, 2 per month)

A lot of these companies seem to launch a paid program, give out memberships freely and then nerf the programs or introduce more and more rules to make them unusable. Uber nerfed Uber One earlier this year. A lot of readers have Uber One membership by being an American Express Platinum cardholder (or the recent Gold deal).

Hat tip to reader Raymond

Walgreens: 20 Free 4×6 Prints With Promo Code FLASH20 [10/14 12PM – 2PM Central Only]

William Charles — Mon, 12 Oct 2026 16:00:00 +0000

The Offer

Walgreens is offering 20 free 4×6 prints with promo code FLASH20. 10/14 12PM – 2PM Central (1PM To 3PM Eastern)

Our Verdict

Nice freebie, better than the deals that are only for a few.

Hat tip to DDG

Flex Launches Waitlist For Flex Elite Credit Card – Up To 5% Cashback On All Purchases, No Annual Fee

William Charles — Mon, 12 Oct 2026 15:00:28 +0000

Flex (private banking for businesses) has launched a waitlist for the Flex Elite personal credit card. Card basics as follows:

Card earns up to 5% cash back on all purchases. The amount you earn depends on deposits held with Flex
- 5% back when you hold $1M+
- 4% back when you hold 250k+
- 3% back when you hold $0 or more
No annual fee
No Sign up bonus
Access to Flex Travel

Exclusion List

Below is the current (as of 10/12/2026) exclusion list:

Cash transactions, ATM withdrawals, and cash advances
Interest charges and fees of any kind charged to the account
Fraud or fraudulent/unauthorized charges
Balance transfers
Person-to-person transactions
Casino gaming, lottery tickets, sportsbook/sports betting, and similar betting
transactions
Currency orders, wire transfers, and similar money orders or transactions
Any checks that access the account
Purchases of prepaid cards and cash equivalents
Disputed transactions or transactions subject to chargebacks
Business transactions

Our Verdict

You only earn 4%/5% on purchases up to your credit limit each month, if you cycle your limit within a month then those purchases above your credit limit earn 3%. Flex also offers a business card with net-60 terms. Flex raised $60m in a Series B round so they do have money to burn. It looks like Flex earns 2.47% currently on deposits so not really worth considering compared to other high yield accounts even with the increased card earning rates. They are teasing more high yield accounts currently so maybe it will be worth considering in the future.

Best Posts Last Week: New Citi Popup, $2,500 Wells Fargo Bonus & Free Airline Miles

William Charles — Mon, 12 Oct 2026 13:00:55 +0000

Citi has added a pop up eligibility for the new lifetime strata rule. HSBC is offering increased bonuses of 75k on the Elite & 60k on the Premier card, you must be a premier checking account holder to be eligible. Chase Aeroplan card now lets you redeem points towards the annual fee at 2¢ Per Point (PYB). Chase has also added new PYB categories for Q4 2024 but rate is only 1.15 per point now.

Bank of America is offering a $100-$500 checking bonus. Chase has extended the popular $1,500 business checking bonus. Wells Fargo has brought back the popular $2,500 Premier investing bonus after it was removed for some time. Navy Federal has a best ever $400 checking bonus. Bask Bank has a $300 checking/savings bonus. A lot of state specific bonuses were added that can be viewed below.

Southwest is offering 1,000-10,500 miles for free with quiz and screenshot upload. American Airlines is offering 15,000 miles for joining the business loyalty program. Shopback is offering a $25 bonus for new users. There is an AmEx offer for 1,200 membership rewards when you spend $150+ on Amazon.

As always a lot of the good deals have already expired, make sure to either follow us on Twitter or get daily e-mail updates so you don’t miss any deals. If we missed any deals or you have an idea for a post, please let us know (will@doctorofcredit.com or chuck@doctorofcredit.com).

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Recap: Hilton All Inclusive, IHG Devaluation, Chase Dark Mode & More

TastyTrade: $50-$2,000 Brokerage Bonus (Requires $2,500-$100,000, One Year Hold)

William Charles — Mon, 12 Oct 2026 12:00:40 +0000

The Offer

Direct link to offer

TastyTrade is offering a brokerage bonus of up to $2,000 when you fund a new account and use promo code SWEETBONUS. The bonus you receive is based on your net deposits in your first 30 days.
- Fund $2,500 – $4,999 and receive $50 cash bonus
- Fund $5,000 – $24,999 and receive $100 cash bonus
- Fund $25,000 – $99,999 and receive $500 cash bonus
- Fund $100,000+ and receive $2,000 cash bonus

The Fine Print

The $2,000 bonus offer is available with a $100,000+ deposit.
Other bonus amounts available < $100,000.
Not valid for existing clients who have funded or previously funded an account.
Must be 18+ and a U.S. resident.
Offer expires 11/30/2026
The deposits that counted toward your bonus, plus the bonus itself, need to stay in your account for 12 months starting from the date of your first deposit. The bonus won’t be part of your withdrawable cash balance until those 12 months are up, and if the requirement isn’t met, the bonus amount is debited back out of your account.
Full terms here.

Our Verdict

A lot of readers won’t be eligible due to previous TastyTrade bonuses. This bonus works out to be an additional 2% return over the 12 month period. It’s always nice to see a brokerage bonus without a super long hold period as more and more brokerages are moving to a 3 year+ hold period. I do think this is worth doing if you’re eligible and have done any of the better brokerage bonuses available.

Hat tip to reader David

Kroger / Harris Teeter: 4x Fuel Points On Select Gift Cards (10/7-10/20)

William Charles — Mon, 12 Oct 2026 11:00:50 +0000

Update 10/12/26: For 10/7 through 10/20 the 4x deal is back on Dining gift cards, Apple, Google and a few others (ht Stefan):

“This offer applies to all food delivery and restaurant gift cards as well as specific brands of online gaming gift cards including Apple Gift Card, Blizzard Entertainment®, BritBox®, Candy Crush Saga, Fortnite, Google Play®, Meta Quest, Microsoft® Xbox, Minecraft, Nintendo, PlayStation®, Razer Gold, Rec Room, Riot Games, and Roblox. One4All branded gifted cards are excluded from this offer, with the exception of the One4all Game & Grub Gift Card. Coupon download is valid for unlimited uses during the date range specified.”

Update 9/23/26: Third party 4x continues through 9/29/26. New coupon for Visa and Mastercard fixed which is valid 9/23 through 10/6. (ht Stefan)

Update 9/16/26: Deal is back for third party gift cards 9/16/2026 through 9/29/2026

Update 9/9/26: Deal is back for 9/9 through 9/15 on third party gift cards (not clear if all brands or just dining). Also on Visa/MC for 9/11 through 9/13. (ht to reader Stefan)

Update 9/4/26:

Get 4x POINTSwhen you buy participating $25, $50 and $100 fix amount Visa® and/or Mastercard® gift card(s). *In-Store offer valid only 9/4/2026 through 9/7/2026.
Get 4x POINTSwhen you buy participating gift card(s). *Offer valid 9/4/2026 through 9/7/2026 on 100’s of gift cards.

Ht to reader Stefan

Update 8/26/26: Deal is back on third party and VGC/MCGC (fixed) for 4x points from 8/26 through 9/1. (ht Stefan)

Update 8/19/26: The deal on (some?) third party gift cards is coming back for 8/21 through 8/23 (ht Stefan)

Update 8/12/26:

Third party: Get 4x POINTS when you buy participating gift card(s). *Offer valid 8/14/2026 through 8/16/2026
One4all: Get 4x POINTSwhen you buy participating gift card(s). *Offer valid 8/12/2026 through 8/25/2026 on One4all branded gift cards.

Unclear if they stack if you purchase one4wall between 8/14 & 8/16.

Update 8/7/26: Visa/Mastercard back from 8/5/2026 through 8/18/2026. Third party still running until 8/11/26. ht Stefan.

Update 7/29/26: Deal is back for 7/29 – 8/11 on third party gift cards (ht Stefan)

Update 7/22/26: Upcoming deals:

Get 4x POINTS when you buy participating gift card(s). Offer valid 7/24/2026 through 7/25/2026 on 100’s of gift cards.
NO Purchase Fee when you load $150 or more on (1) Visa® or Mastercard® Variable Load Gift Card. Restrictions Apply. See Store for Details. (Redeem 7/22/2026 – 7/28/2026)

Hat tip to reader Stefan

The Offer

Load coupons here for all Kroger stores | Harris Teeter

Check your Kroger coupons for the following offers:

Save a digital coupon to get 4x fuel points on Visa and Mastercard $100, $50, or $25 fixed-value gift cards. (Does not work on variable-load Visa/MC gift cards.)
Save a digital coupon to get 4x fuel points on third party gift cards. (Excludes Amazon.)

You should see these coupons for all Kroger-family brands. Deal usually becomes available at Harris Teeter as well in roughly the same time period. Typically, gift cards earn 2x, and occasionally they’ll put out offers like these to bump it up to 4x.

Our Verdict

When maxed out on a 35-gallon fill, 4x fuel points can amount to a 14% discount on gas. Select Kroger stores now allow redeeming fuel points for groceries now as well.

Deal is valid online and in-store. Remember to use a card that earns at a high rate on grocery store purchases. There is also a Chase offer for 10% back.

Deal History:

Update 7/10/26: third party gift cards good 7/10/2026 through 7/11/2026. Ht to reader stefan.
Update 7/1/26: New fixed Visa/Mastercard deal valid through 7/1 – 7/14. Ht to reader Stefan
Update 6/24/26: Deal is back on third party gift cards, valid 6/24 – 7/7. (No 4x on Visa/MC, just this other discount deal.) (ht Stefan)
Update 6/10/26: Deal is back until 6/23/2026.
Update 5/27/26: Deal is back for Visa and Mastercard fixed value gift cards 5/27 through 6/2. Also available is Gaming and Digital Content gift cards (excluding Amazon) which is valid from 5/27 through 6/9. (ht gcanywhere) (report of Apple working for 4x)
Update 5/13/26: On Friday only (5/15/26) the coupons for Visa/MC and for third-party gift cards will be back. Hat tip to Stefan
Update 4/30/26: Now third party and fixed through 5/12. Ht Stefan
Update 4/22/26: 4x is coming back for 4/24 only on third party gift cards. Also 4x on Visa/MC through 5/12. (ht Stefan)
Update 4/16/26: 4x on fixed value Visa & Mastercards is back 4/15 through 5/12, Reminder third party still good through 4/21/26. Ht stefean
Update 4/8/26: Deal is back until 4/21/2026, this time only third party gift cards. ht Stefan

See older history on this dedicated page.

(Update: CITGO Added) Walmart+ Members Get Gas Discount $.10/gallon At Exxon & Walmart Gas Stations

Chuck — Mon, 12 Oct 2026 03:31:16 +0000

Update 10/11/26: CITGO has been added as an option.

(Update 8/16/23: They are offering a temporary doubling with 20 cents back from August 15 through September 15.)

Walmart+ just added a new benefit for members to get 10 cents off per gallon of gas at Exxon, Mobil, Walmart, and Murphy gas stations. Previously the discount was only for Walmart/Murphy stations, and only 5 cents. Walmart+ also provides access to member prices at Sam’s Club fuel centers.

Press Release | Walmart link

Nice how they expanded the partnership with Exxon. A lot of us have Walmart+ free with the AmEx Platinum card. If you use Exxon or Walmart gas this can be a little gas savings. The process of getting the savings through your Walmart+ account within the Walmart app looks like a bit of a pain, but I guess it could be worth it for larger tanks, especially.

[YMMV] Chase Business Checking: $30 Bonus For Making 5 Invoices

William Charles — Sun, 11 Oct 2026 23:35:15 +0000

Update 10/11/26: Reposting as there is a landing page and non unique promo code that can be used. Hat tip to reader Drew

The Offer

Direct link to offer. Can also try promo code MX7242722C9FVY6R (MORE–> ACCOUNT SERVICES–> REDEEM A COUPON)

Chase is offering business checking customers a $30 bonus when they make 5 invoices.

Our Verdict

Doesn’t look like the invoices need to be paid, just created. Hopefully this is like the Bill Pay and Zelle promotion where you can call/secure message in and get it added to your account. Chase is also offering new business checking customers a bonus of up to $1,500 currently.

Hat tip to reader Drew

[AZ, CO, FL, IL, IN, KS, MO, OK, TX] Busey Bank $200-$500 Checking Bonus

William Charles — Sun, 11 Oct 2026 23:30:35 +0000

Update 10/11/26: Deal is back. Can be opened online as well. Now contains lifetime language not eligible if you ‘”have received a personal checking account reward from Busey Bank at any time’ Hat tip to reader Bockrr

Update 5/16/26: Deal is back until June 13th, 2026. This is now in branch only. Hat tip to reader ink_me_please

Update 3/1/26: Deal is back until ~~March 14, 2026~~ May 1, 2026. Hat tip to reader ChurningAndBurning

Update 4/6/25: Deal is back until 15 Apr 2025. This time requires a tax return to qualify for the direct deposit requirement unfortunately. Hat tip to reader Woody

Update 10/12/24: Deal is back and no end date listed. Hat tip to reader Yj32

Update 6/23/24: Deal is back and no end date listed. Hat tip to reader Woody

Offer at a glance

Maximum bonus amount: $300
Availability: AZ, CO, FL, IL, IN, KS, MO, OK, TX
Direct deposit required: Yes, $1,000+
Additional requirements: See below
Hard/soft pull: Soft pull
ChexSystems: Yes
Credit card funding: Up to $1,000, no American Express
Monthly fees: $5, avoidable
Early account termination fee: $25, 90 days
Household limit: None
Expiration date: None

The Offer

Direct link to offer

Busey Bank is offering a bonus of up to $500 when you open a new checking account and complete the following requirements:
- Use promo code “BETTERBUS1” for Foundation Checking or “BETTERBUS2” for Pillar Banking accounts
- Enroll in Online Banking with eStatement
- Receive a qualifying direct deposits of (within 90 days of account opening):
  - $2,000 – $4,999.99: $300 bonus
  - $5,000 – $9,999.99: $400 bonus
  - $10,000 or more: $500 bonus

The Fine Print

Offer valid for limited time for accounts opened by March 15, 2026. Busey Bank may change or discontinue this offer at any time before this date without notice. This offer is available only by using the unique promo code “LEVELUP1” for Foundation Checking or “LEVELUP2” for Pillar Banking accounts opened online or in-person at a Busey location only and qualifying as outlined below. Only one offer per household. Must have a Tax Identification Number (TIN) or Social Security Number (SSN) at account opening to qualify for this promotion. All accounts are subject to approval.
You will not qualify for the tiered credit if you are an existing Busey personal checking account customer, you are a Busey Bank employee OR had a previous personal checking account that was closed within the preceding 12 months OR have received a prior personal checking account incentive at any time.
Open a new Busey Pillar Banking or Foundation Checking account online or in-person using the promotional code to be enrolled in this offer and within ninety 90 days of account opening:
Enroll in online banking
Activate and use your Busey Debit Mastercard® for at least three (3) transactions
Set up and receive qualifying direct deposits as defined below into that eligible personal checking account
Ninety (90) days after account opening all qualifying direct deposits will be totaled to determine the bonus amount you may earn (see chart below).
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Foundation checking has no monthly fee with direct deposit or average balance of $100; otherwise, pay a $5 monthly fee.

Beginning May 1, 2024, Foundation Checking will be updated with the following:

No monthly maintenance fee (previously $5)
No minimum balance or direct deposit requirement

Early Account Termination Fee

“Accounts closed within 90 days of opening will be charged a service fee of $25.00

Our Verdict

Think this is worth doing as it’s a large bonus, we just don’t have any datapoints on what works as a direct deposit. We will add this to our list of the best bank account bonuses.

Hat tip to reader Gadget

Useful posts regarding bank bonuses:

[CO only] Westerra Credit Union $100 Checking Bonus – Direct Deposit Not Required

William Charles — Sun, 11 Oct 2026 23:15:12 +0000

Update 10/11/26: Deal is back

Update 12/2/24: Deal is back and valid until 12/31/24. Hat tip to GT5000

Update 7/21/19: Deal is back and valid until September 30th, 2019.

Reposting as it’s a confirmed soft pull and $2000 in credit card funding

Offer at a glance

Maximum bonus amount: $100
Availability: Restricted to people in the 7-county Denver Metro Area
Direct deposit required: None
Additional requirements: 2 deposits & 10 transactions
Hard/soft pull: Soft pull (reports of hard pull)
ChexSystems: Unknown
Credit card funding: Can fund up to $2,000
Monthly fees: None
Early account termination fee: None
Expiration date: ~~January 31st, 2017 None listed~~

The Offer

Direct link to offer

Open a new Smart Money Checking or Money Market Select account and keep a minimum balance of $5 for 30 days from the date of account opening and receive a $100 bonus

The Fine Print

Get 14,000 Bonus Reward Points (equal to $100 cash back) when you open a Westerra checking account and activate it by making two deposits and ten transactions within 60 days from account opening.
Bonus Reward Points will be credited to your Westerra Rewards account the month following activation.
Deposit of $5 in savings account required.
Membership fee waived.
Limit one t-shirt per person.

Avoiding Fees

There are no monthly fees for this account and the $5 membership fee is waived as well. I didn’t see any mention of an early account termination fee in the fee schedule.

Our Verdict

Looks like a great deal as it doesn’t specify what a deposit is, so I guess any deposit will count (e.g payroll not required). It’s nice that you can fund with a credit card as well. Will be adding this to our list of the best checking bonuses available.

Useful posts regarding bank bonuses:

[TX] Wellby Financial $100 Checking Bonus

William Charles — Sun, 11 Oct 2026 23:05:52 +0000

Update 10/11/26: $100 bonus is back with promo code PEAR2026. Hat tip to reader Costco Corgi

Update 7/18/26: Deal is back with promo code SCHL2026. Valid until August 29, 2026. Hat tip to reader Kats

This was formally called JSC Federal Credit Union

Offer at a glance

Maximum bonus amount: $100
Availability: TX, might be able to qualify through ACC
Direct deposit required: Yes, $300+
Additional requirements:
Hard/soft pull: Soft pull
ChexSystems: Unknown
Credit card funding: Yes, $5,000
Monthly fees: None
Early account termination fee: Unknown
Household limit: None listed
Expiration date: December 31, 2024

The Offer

Direct link to offer

Wellby Financial is offering a $100 bonus when you open a new checking account and complete the following requirements:
- Use promo code PEAR2026
- Set up a monthly direct deposit of $300+

The Fine Print

November 12 – December 31, 2024.
To be eligible, you cannot have any existing Wellby checking accounts.
To receive the bonus of $100.00, you must open a Wellby Secure Spending (checking) account either online or in a branch using the promo code: GIFT2024 during the promotional period and set up a direct deposit equal to at least $300.00 per month within 60 days of account opening
. Your bonus will be credited to your new checking account within 14 days following confirmation that you completed all the offer requirements and meet the qualifications. Membership and registration/activation required. Restrictions apply.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about.

Early Account Termination Fee

Unsure if there is any EATF.

Our Verdict

Hopefully opening out of state works, very good bonus with this amount of credit card funding.

Hat tip to Jimmy Johns

Useful posts regarding bank bonuses:

Chase $900 Checking Bonus ($10,000 Direct Deposit Required)

Chuck — Sun, 11 Oct 2026 22:04:05 +0000

Offer at a glance

Maximum bonus amount: $900
Availability: Nationwide, online or in-branch
Direct deposit required: Yes, $2,500-$10,000. Click here to view what triggers this bonus.
Additional requirements: None
Hard/soft pull: Soft
ChexSystems: Doesn’t pull
Credit card funding: Can fund up to $50 with a debit card online (prepaids do not work). Cannot fund with debit or credit in branch.
Monthly fees: $15, waivable
Early account termination fee: None
Household limit: None listed
Expiration date: January 27, 2027

The Offer

Direct link to offer

Chase is offering a checking bonus of up to $900. Bonus is as follows:
- Receive a bonus of $425 when you open a Chase Total checking account and have direct deposits post to the account within 90 days totaling $2,500 or more.
- Receive a bonus of $600 when you open a Chase Total checking account and have direct deposits post to the account within 90 days totaling $5,000 or more.
- Receive a bonus of $900 when you open a Chase Total checking account and have direct deposits post to the account within 90 days totaling $10,000 or more.

Bonus amount will be determined after day 90.

The Fine Print

Checking offer is not available to existing Chase checking customers or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.
You can receive only one new checking account opening related bonus every two years from the last coupon enrollment date and only one bonus per account. Coupon is good for one-time use.
To receive the bonus: 1) Open a new Chase Total Checking account, which is subject to approval; AND 2) Have your direct deposit(s) totaling $2,500 or more made into the new checking account within 90 days of coupon enrollment. At day 90, the bonus tier will be determined based on your total qualifying direct deposits during the 90 days from coupon enrollment.
Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Person to Person payments (such as Zelle®) are not considered a direct deposit. Micro-deposits do not qualify as a direct deposit for the bonus. Micro-deposits are small deposits, typically less than $1, that are sent to your account to verify it is the correct account.
After you have completed all requirements, we will deposit the bonus in your new checking account within 15 days. To receive the bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership.
Bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable).

Avoiding Fees

Monthly Fees

The Chase Total Checking account comes with a monthly service fee of $15 which is waived if complete any of the following:

Have monthly direct deposits totaling $500 or more
Keep a minimum daily balance of $1,500 or more in the checking account
Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances

New accounts will not be charged a Monthly Service Fee for at least the first two statement periods.

Early Account Termination Fee

There used to be an six-month period where you would lose the bonus if closed out, but sometime in 2022 (?) they removed that clause and so it’s now safe to close after you receive the bonus paid out.

Our Verdict

This is an excellent bonus. We’ve seen the $900 checking+savings offer around for a while. This new offer is more interesting for someone who can handle the large direct deposit requirement since you don’t need to tie up $15,000 at 0% interest for 90 days. Someone who can’t meet the direct deposit requirement will prefer the other offer. See what counts as direct deposit here.

RELATED posts:

Useful posts regarding bank bonuses:

F.A.Q’s

How long does it take for the tracker to update?

It usually takes two business days for the tracker to update if your direct deposit was successful

My direct deposit coded as ‘XXX’ did it work?

You can try using the comments search function to see if that has worked before, or just wait a few days to see if the tracker updates.

I want to churn (get the bonus for a second or more time) this account, how long do I need to wait?

The terms state the following:

‘You can receive only one new checking and one new savings account opening related bonus every two years from the last coupon enrollment date and only one bonus per account’

You can do it two years and one day after the last coupon enrollment date, no need to wait until the following month like you do for credit cards (this is a quirk of credit card reporting).

Hat tip to reader catcat