What counts as a qualifying transaction for the Chase Secure Banking $175 bonus?

Chase counts debit card purchases, online bill payments, Chase QuickDeposit mobile check deposits, Zelle payments and ACH credits. You need 10 of them posted within 60 days of coupon enrollment.

Can I get the Chase Secure Banking bonus and the Chase Total Checking bonus?

Usually not at the same time. Chase pays only one new checking account bonus every two years, counted from your last coupon enrollment. If you can move a direct deposit, the Total Checking offers pay more. If you cannot, the $175 Secure Banking offer needs no direct deposit.

Is the Chase Secure Banking bonus available nationwide?

Yes. The Chase Secure Banking bonus is available to applicants in all 50 states.

Can I earn the Chase Secure Banking bonus more than once?

Yes. This bonus is rechurnable. You must wait 730 days after closing the account before applying again.

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Chase

Chase Secure Banking $175 Bonus

Chase pays you $175 when you open a new Chase Secure Banking account and complete 10 qualifying transactions within 60 days of coupon enrollment. Debit card purchases, Zelle, ACH credits, Chase QuickDeposit and online bill payments all count. No direct deposit and no minimum opening deposit. The $4.95 monthly fee is waived with $250 in electronic deposits or for owners age 17 to 24. Open by January 27, 2027.

Bonus amount: $175
Expires: Jan 27, 2027
Time to complete: ~60 days
Paid after opening: ~75 days
Difficulty: Easy

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Requirements

Last verified: Nov 10, 2026

Open account
Open a new Chase Secure Banking account from the offer page (the coupon attaches when you choose Open now), or email yourself the coupon code and bring it to a branch, by January 27, 2027. No minimum opening deposit.
10 qualifying transactions within 60 days
Complete at least 10 qualifying transactions within 60 days of coupon enrollment. Debit card purchases, online bill payments, Chase QuickDeposit, Zelle and ACH credits all count.

Chase deposits the bonus into the new account within 15 days after the 10 qualifying transactions post.

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Account Details

Monthly fee$4.95/month

Fee waiver

$250 or more in qualifying electronic deposits (payroll or government payments) each statement period
An account owner age 17 through 24
New accounts are not charged the fee for the first two statement periods

APY0% (as of Nov 10, 2026)

Min. hold periodNo minimum

Keep the account open until the bonus posts. Chase requires the account to not be closed or restricted at payout.

Credit inquiryThe bank does not publish this. Ask before you apply.

ChexSystemsThe bank does not publish whether it screens banking history. Ask before you apply.

AvailabilityNationwide

Eligibility

Minimum age17+

Existing customersNot eligible

Not available to existing Chase checking customers, to anyone whose Chase checking account closed within 90 days, or one closed with a negative balance in the last 3 years.

Other restrictions

Chase pays only one new checking account bonus every two years, counted from your last coupon enrollment. This bonus uses the same allowance as the Chase Total Checking bonuses.
17 year olds must open the account at a Chase branch.
Chase reviews new deposit account applications through Early Warning Services, a bank-owned reporting network Chase co-owns. EWS is not ChexSystems, but a negative banking history can still affect approval.

Tips & Gotchas

Any mix of 10 counts: debit card purchases, Zelle payments, ACH credits, Chase QuickDeposit mobile check deposits and online bill payments.
Chase pays one new checking bonus every two years. Taking this $175 uses that allowance, so if you can move a direct deposit, compare the Chase Total Checking offers first.
The $4.95 monthly fee is waived for the first two statement periods, then with $250 in electronic deposits a month or an owner age 17 to 24.

Direct Deposit Data Points 527

527 community reports across 103 transfer sources, showing what triggers a qualifying direct deposit at Chase.

Showing 499 of 527 reports

View all Chase direct deposit data points

How long until the bonus posts? The most recent community reports average about 27 days. See 275 reports on Chase Checking payout timelines

Can You Earn This Bonus Again?

Can rechurnYes

Cooldown730 days

NotesOne new Chase checking account bonus every two years from the last coupon enrollment date, shared across Chase checking offers.

Fine Print

Not available to existing Chase checking customers, to anyone whose Chase checking account closed within 90 days, or one closed with a negative balance in the last 3 years. One new checking bonus every two years from the last coupon enrollment. The bonus is reported as interest on Form 1099-INT. See the terms on Chase's offer page.

Taxable income · Reported on 1099-INT

What Counts as a Direct Deposit for Chase Bonuses?

Chase is one of the stricter banks in our dataset. Based on 803 community data points, employer payroll, Chase Business payroll, Treasury Direct, and Fidelity pushes sent with the "transfer to someone else" option reliably trigger the Chase Total Checking bonus, while Wells Fargo and Schwab pushes mostly fail.

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What is a fee waiver?

A condition you can meet to have the monthly maintenance fee on an account waived.

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What is rechurning?

Opening an account at the same bank again after a waiting period to earn the bonus a second (or third) time.

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Also see: this month's best bank bonuses and community DD data points.

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