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Chase Business Total Checking: up to $1,500 for new money — $400 with $2,000, no direct deposit
Open a new Chase business checking account and deposit new money: $2,000 earns $400 — $500 through the linked variant — $20,000 earns $750 and $100,000 earns $1,500. No direct deposit required.
Our take
Two very different offers in one. At the bottom tier it's the best per-dollar business bonus going: $400 — $500 through the linked variant — for parking $2,000 for 60 days, with no direct-deposit hoop. The $1,500 top tier is for businesses already sitting on $100,000: a clean 1.5% for two months on cash that would otherwise earn next to nothing in an operating account. Sole proprietors qualify, so side income counts as a business.
What you have to do
- Open a new Chase business checking account and enroll in the offer by January 21, 2027 (extended deadline)
- Deposit new money within 30 days of enrollment: $2,000 earns $400, $20,000 earns $750, $100,000 earns $1,500
- A linked variant of this offer pays $500 on the same $2,000 tier — apply at account.chase.com/business instead of the /target link
- Maintain the deposit balance for 60 days and complete 5 qualifying transactions within 90 days
- No direct deposit required; not available to existing Chase business checking customers; one new-business-checking bonus every two years
Fees to avoid
$15 monthly fee, waivable with a $2,000 minimum balance or $2,000 in eligible card purchases/deposits — the deposit you park for the bonus covers the balance waiver while you hold it.
Verified: Doctor of Credit's offer summary, Oct 9, 2026: tiers of $400 at $2,000 deposited (a linked variant pays $500 on that tier), $750 at $20,000 and $1,500 at $100,000; new money within 30 days of enrollment, balance maintained 60 days, 5 qualifying transactions within 90 days, no direct deposit required; not for existing Chase business checking customers; expires January 21, 2027 (extended). Source: account.chase.com. Offers change; the bank's page is final.
Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.
Common questions
What's the difference between the $400 and $500 offers at $2,000?
Same account, same requirements — two links. The main offer page pays $400 for a $2,000 deposit; a linked variant pays $500 for the identical tier. Apply through account.chase.com/business for the $500 version, and screenshot the offer terms before you deposit.
Answered by StackTheDealDo I need a direct deposit?
No. Unlike the personal Chase bonuses, this one is deposit-based: park new money for 60 days and make 5 qualifying transactions within 90 days. Payroll never has to move.
Answered by StackTheDealWho can't get this?
Existing Chase business checking customers are excluded, and Chase allows one new-business-checking bonus every two years. If you've taken a Chase business checking bonus inside that window, sit this one out.
Answered by StackTheDealWhat counts as the 5 qualifying transactions?
Debit card purchases, Zelle payments, ACH credits, wires (in or out), deposits with Chase QuickDeposit, and Chase QuickAccept transactions. Five small debit card purchases are the easiest way to do it.
Answered by StackTheDealDo I need an LLC or an EIN to open a business account?
No. Sole proprietors can open Chase business checking with their Social Security number and their own name as the business. Side-gig income like reselling or freelancing counts as a business.
Answered by StackTheDealIs the bonus taxable?
Yes. Chase reports account bonuses as interest/income, so treat the bonus like any other business income and set aside the tax share.
Answered by StackTheDeal
Questions about this offer?
💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.