Yes, you can refer someone to open a Chase checking account, and both of you may receive a reward

Chase runs a referral program where you can share your account with friends and family. When someone you refer opens a new Chase checking account using your referral link or code, both you and the person you referred may receive money deposited into your accounts. The exact reward amount changes depending on which checking account they open and what promotions are running at the time.

The program is straightforward: you get a unique referral link from your Chase account, you share it with someone, they use it to open an account, and if they meet the account requirements, the reward posts to both accounts. You do not need to do anything after sharing the link — Chase tracks the referral automatically.

Key Takeaways

  • You can find your referral link by logging into your Chase account online or through the mobile app and looking for the referral section.
  • The person you refer must open a new Chase checking account (not transfer an existing one) and meet the account's minimum requirements to trigger the reward.
  • Reward amounts vary by account type and current promotion, so check your referral link to see what the current offer is.
  • Both you and the person you refer receive the reward, which is deposited directly into your checking accounts.
  • There is usually no limit to how many people you can refer, though Chase may change this policy.

Where to find your referral link

Log into your Chase account on chase.com or open the Chase mobile app. Look for a section labeled "Refer a friend," "Share and earn," or similar language — the exact name changes occasionally. Tap or click it, and Chase will show you a unique link or code that belongs to you.

You can copy this link and send it to anyone by text, email, or social media. Some people prefer to share the code (a string of letters and numbers) instead, which the other person can enter manually during account opening. Both methods work the same way.

What the person you refer needs to do

The person you refer must use your link or code when they open their new account. If they open an account without using your referral information, the referral will not be recorded and neither of you will receive a reward.

They will also need to meet the account's requirements — usually this means making a deposit within a certain timeframe (often 30 days) and keeping the account open. Chase will tell you and the person you refer what those specific requirements are when you share the link, because they vary by promotion.

How long it takes to receive your reward

After the person you refer opens the account and meets all the requirements, Chase typically deposits the reward within one to two billing cycles. This is not when ready — plan for it to take a few weeks. You will see the deposit show up as a credit in your checking account.

If you do not see the reward after that time, log back into your referral section and check the status. Chase shows you whether each referral is pending, completed, or if there was a problem.

Limits and rules to know

You can usually refer as many people as you want, but there are some restrictions. The person you refer must be new to Chase — they cannot have had a Chase checking account in the past (the timeframe varies, but is often the past 90 days). If they already have a Chase account or recently closed one, the referral will not work.

The reward is not may provide if the person you refer does not complete the account setup or does not meet the deposit requirement. Chase also reserves the right to cancel the referral program or change the reward amount at any time, though they usually give notice before doing so.

Different checking accounts, different rewards

Chase offers several checking accounts — Chase Total Checking, Chase Premier Plus Checking, and others — and the referral reward may be different for each one. Before you share your link, check what account type the person you refer is interested in, because that determines the reward amount.

You can also have multiple referral links if you have multiple Chase accounts, though most people only need one. Each link is tied to the specific account it came from, so the reward will deposit into that account.

What happens if something goes wrong

If the person you refer opens an account but the referral does not show up, ask them to check that they actually used your link during signup. Sometimes people think they used it but did not, or they used a different link by mistake. If they are certain they used your link, contact Chase customer service — they can sometimes manually credit the referral if they can verify it.

If you close your checking account, any pending referral rewards may be cancelled. This is why it is a good idea to wait until rewards have posted before closing an account.

Frequently Asked Questions

Can I refer someone who already banks with Chase?

No. The person you refer must be new to Chase checking accounts. If they have had a Chase checking account recently (usually within the past 90 days), they are not may be able to access. They can have other Chase products like savings accounts, but not a checking account.

What if the person I refer does not meet the deposit requirement?

If they do not complete the account setup or make the required deposit within the timeframe Chase specifies, neither of you will receive the reward. The requirements are usually listed on your referral link, so share those details with them before they open the account.

Can I refer someone who is not a U.S. citizen?

Chase checking accounts require a Social Security number or ITIN, so the person you refer must have one of those. They do not need to be a citizen, but they do need a valid tax ID. If they do not have one, they cannot open a Chase checking account and cannot be referred.

Do I have to pay anything to use the referral program?

No. The referral program is free to use. You do not pay Chase anything, and the person you refer does not pay anything either. The reward is Chase's way of encouraging new accounts.

What if my referral link expires?

Chase referral links do not expire, but the promotion attached to them might. If a promotion ends, Chase may stop offering rewards for new referrals, though existing pending referrals usually still pay out. You can always check your referral section to see if the current promotion is still active.