Chase usually treats credit card and checking bonuses separately
Yes, you can get a Chase checking account bonus even if you already hold a Chase credit card. Chase runs different bonus programs for different products — a credit card bonus and a checking account bonus are not the same offer, and getting one does not disqualify you from the other.
The key is that Chase looks at your history with that specific product type. If you have never had a Chase checking account before, or if you closed one more than a certain time ago, you may be able to open a new one and receive the bonus that comes with it. Your credit card history does not block you from that path.
That said, Chase does have rules about how often you can receive bonuses on the same product, and those rules vary by account type. Understanding which rules explore to you means knowing what you already own and when you opened or closed it.
Key Takeaways
- Chase credit card bonuses and checking account bonuses are separate offers, so having one does not prevent you from receiving the other.
- Chase has a "new customer" or "new account" rule for checking bonuses that looks only at your checking account history, not your credit card history.
- If you closed a Chase checking account, you may need to wait a set period before you can open a new one and receive its bonus.
- The specific waiting period and bonus terms depend on which Chase checking product you want to open.
How Chase defines a new checking account customer
Chase considers you a new checking customer if you have not held a Chase checking account within a certain lookback period. This period typically ranges from 90 days to one year, depending on the specific checking product and the current terms of the offer. The exact window matters because it determines whether you can open an account and receive the bonus.
Your credit card accounts do not factor into this calculation. Chase maintains separate customer records for credit products and deposit products. A long history with Chase credit cards does not reset the clock on your checking account may be able to access — it is treated as a different relationship entirely.
If you have never opened a Chase checking account before, you almost certainly meet the "new customer" requirement for the checking bonus, regardless of how many credit cards you hold.
What happens if you closed a Chase checking account
If you previously had a Chase checking account and closed it, the waiting period begins from the date you closed it. Chase will not let you open a new account and receive a bonus until that period has passed. During the waiting time, you can still open a Chase checking account — you just will not receive the promotional bonus.
The length of the waiting period depends on the specific account type. Some Chase checking products have a 90-day waiting period; others have longer windows. When you are ready to open a new account, Chase will tell you whether you are may be able to access for the current bonus offer based on when you closed your previous account.
If you are unsure when you closed an account or whether you ever had one, you can contact Chase directly or check your records. Chase can look up your account history and tell you exactly when you would become may be able to access for a new bonus.
Different Chase checking products have different bonus rules
Chase offers several checking account types — Chase Total Checking, Chase Premier Plus Checking, and others — and each one may have its own bonus offer and its own may be able to access rules. The bonus amount, the minimum deposit required to receive it, and the waiting period after closing all vary by product.
If you want to open a Chase Premier Plus Checking account, for example, the rules for that product are separate from the rules for Chase Total Checking. You could potentially be may be able to access for one bonus but not another, depending on your history with each specific account type.
Before you open an account, look at the specific offer terms for the product you want. The terms will state the bonus amount, any minimum deposit or direct deposit requirement, and the may be able to access rules based on prior accounts.
The bonus does not depend on your credit card status
Chase does not use your credit card accounts to determine whether you can receive a checking bonus. Even if you have multiple Chase credit cards, a high credit limit, or a long history with Chase credit products, none of that affects your checking account bonus may be able to access. The two product lines are evaluated separately.
This separation works both ways. If you have never had a Chase credit card, that does not make you ineligible for a checking bonus. And if you have had credit card problems — a late payment, a closed account, or a period without a Chase credit card — that also does not affect your checking bonus path.
Steps to take before opening a new checking account
If you think you are may be able to access for a Chase checking bonus, start by reviewing the current offer on Chase's website or in a Chase branch. The offer page will list the may be able to access requirements, including any rules about prior accounts.
If you previously had a Chase checking account, note the date you closed it. Compare that date to the waiting period stated in the current offer. If enough time has passed, you are likely may be able to access. If not, you can still open an account but will not receive the bonus.
You can also contact Chase directly — by phone, through their website, or in person at a branch — and ask whether you meet the requirements for the current checking bonus. Chase can confirm your account history and tell you whether you are may be able to access right now or when you will be.
What to watch for when comparing offers
Bonus amounts and requirements change frequently. One Chase checking product might offer a $200 bonus with a $500 minimum deposit, while another offers $300 with a $1,500 minimum. Some bonuses require a direct deposit to be set up within a certain timeframe; others do not.
Read the full terms before you commit. Pay attention to the minimum deposit amount, any direct deposit requirement, how long you have to meet those requirements, and when the bonus will be deposited into your account. These details vary by offer and by product.
If you have a Chase credit card and want to open a checking account with a bonus, there is no conflict between the two. You can pursue both offers on their own timelines and terms.
Frequently Asked Questions
If I have a Chase credit card, does that make me ineligible for a checking bonus?
No. Chase treats credit card and checking account bonuses as separate offers. Your credit card history does not affect your checking account bonus may be able to access. The only thing that matters is whether you meet the requirements for the specific checking product you want to open.
How long do I have to wait after closing a Chase checking account before I can get a bonus on a new one?
The waiting period depends on the specific checking product and the current offer terms. It typically ranges from 90 days to one year. Check the terms of the current bonus offer, or contact Chase to find out the exact waiting period for the product you want.
Can I have both a Chase credit card and a Chase checking account bonus at the same time?
Yes. The bonuses are separate offers with separate timelines. You can receive a credit card bonus and a checking account bonus in the same year or even in the same month. Each bonus is based on its own product and its own may be able to access rules.
What if I do not remember whether I ever had a Chase checking account?
Contact Chase directly — by phone, online, or in a branch — and ask them to look up your account history. They can tell you whether you previously held a checking account, when you closed it if you did, and whether you are currently may be able to access for a new bonus.
Do I need a minimum deposit to get the checking bonus?
Most Chase checking bonuses require a minimum deposit, but the amount varies by product and offer. Some require $500, others $1,500 or more. Check the specific offer terms to see what deposit is required and whether that deposit must come from outside Chase or can be transferred from another Chase account.