Chase Personal Checking $200 New Account Bonus Offer

Get Chase Bank $200 bonus coupon codes to open a new Chase Total Checking account with a direct deposit, valid through May 15, 2014.

Updated 4/15/2014: We once again have $200 coupon codes available for the Chase Total Checking Account that require a direct deposit.

To request your code, just email, and I’ll be happy to send you a PDF coupon with a unique code for absolutely free.

You can also Purchase Chase $200 Checking Coupons on eBay with or without the direct deposit requirement.

However, please be careful when buying PDF printouts or code-only auctions of $200 coupon codes that require a direct deposit, because there have been some issues with non-working codes (read further below for more details).

If you have any questions or issues, please feel free to write me at, and I’ll do my best to help you out.

Need More Money? – Get This $200 Gift Card Bonus

Citi ThankYou® Preferred Card — Earn 20,000 Bonus Points20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening with no annual fee*.

You can redeem the 20,000 bonus points for $200 in gift cards or other rewards.

How To Redeem Chase Checking Codes

In Person: You can redeem your code in person at your local Chase Bank branch by printing the entire PDF coupon that we send you and presenting it at the bank when you open your account in person.

Online: You can redeem your code online by visiting Just click on the “Open Now” button for Chase Total Checking, then select the “I would like to start a new application” option under the Getting Started section, and then enter the Coupon Code in the applicable field.

Chase $200 Bonus Details

Chase Bank Total Checking Coupon Code

This offer is not available to existing Chase checking customers, those with fiduciary accounts, those whose accounts have been closed within 90 days or with a negative balance.

To receive the bonus:

1. Open a new Chase Total Checking account, which is subject to approval.

2. Deposit $100 or more within 10 business days of account opening.

3. Have your direct deposit made to this account within 60 days of account opening.

Your opening deposit cannot be money held by Chase or its affiliates, nor can the bonus be used as the opening deposit.

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.

After they receive your first direct deposit, they’ll deposit the bonus in your new account within 10 business days.

You can only receive 1 checking account-related bonus per calendar year.

The bonus is considered interest and will be reported on IRS Form 1099-INT.

If your checking account is closed within 6 months, Chase will deduct the bonus amount at closing.

How To Simulate a Direct Deposit to Your Chase Checking Account

Some readers have reported success with initiating a direct deposit to Chase checking accounts via PayPal.

You may be able to earn the bonus by setting up a transfer to your new checking account from PayPal.

It only takes 1 direct deposit to qualify, so this may be an option for you, if you can’t otherwise get a direct deposit from your employer or otherwise.

Chase Total Checking Service Fees

Chase Total Checking has no Monthly Service Fee when you do any 1 of the following each statement period:

Option #1: Have monthly direct deposits totaling $500 or more made to this account.

Option #2: Keep the daily balance in your checking account at or above $1,500.

Option #3: Keep an average daily balance of $5,000 or more in any combination of qualifying Chase checking, savings and other balances.

Otherwise a $12 Monthly Service Fee will apply ($10 Monthly Service Fee for CA, OR and WA).

How To Get Chase Coupons via Online Banking

You may have noticed an influx of $200 Chase coupon codes being sold on eBay and shared on various forums and blogs including this one.

These $200 Chase Total Checking account coupon codes that require a direct deposit are provided to Chase’s non-checking customers via your online banking account.

If you are a Chase credit card customer or have another Chase account, but not a personal checking account, then you may be delivered an ad for the $200 checking offer while you are logged in to your Chase online account.

These usually appear on the right side as a banner or promo link that you can click on to open the promotional page.

These promotions are only accessible when you are logged in to your Chase online account, and they are only delivered to select non-checking customers, so not everybody will see them.

Warning About Chase $200 Codes Sold on eBay

It has come to my attention that some eBay sellers of the $200 Chase Total Checking account coupons that require a direct deposit are selling codes that are illegitimate and not working properly.

This is strictly in regards to the PDF copies of coupons or code-only auctions.

The actual flyers from Chase that you may receive in the mail and that are sold on eBay are usual safe, although the code could potentially be used already.

I noticed at least one seller who was selling PDF copies of coupon codes that have been manipulated and do not work for the proper amount. The PDF says $200, but the codes only work for $150.

This is most likely due to the links for the promotion being manipulated.

Please note that not all sellers are selling illegitimate links, and I’ve purchased some that have worked in the past, but make sure that you scrutinize your sellers closely before buying.

Chase Coupon Code Link Manipulation

Here is an example of a $200 coupon link that you may be able to access when you are logged in to your Chase online account.

Opening the above link shows a $200 bonus page that expires on March 15, 2014, but the actual code only provides a $150 bonus, because the link has been manipulated in some way.

There are 2 main components of the above URL that control the outcome of the link’s landing page and the corresponding coupon code.

#1 – 306666_200_xlob

This parameter of the URL controls the display of the promotional page in regards to the expiration date and the amount of the bonus offer.

More specifically, the “200_xlob” portion makes the page show the $200 bonus, and the “306666″ portion controls the expiration date that is displayed.

I’ve seen both “200_xlob” and “200_frdm” being used in different links for $200 bonuses, and there are different parameters used for $150 pages, but this is generally a set portion of the link that cannot be manipulated easily.

However, you can manipulate the “306666″ portion to produce different expiration date displays on the promotional page.

You would do this by changing around the last couple of digits, but it’s a guessing game, so it may take some time to find another working combination of numbers that produces a future expiration date.

Plus, changing the expiration date display does not change the actual expiration date of the code, which we’ll discuss more below.

#2 – &ID=0000016214

This parameter of the URL controls the actual code output.

This is the most important aspect in regards to having a working code for the proper bonus amount.

You can change the display of the bonus amount and expiration date on the promotional page (as outlined in #1 above), but unless your #2 ID parameter is for a legitimate $200 coupon code, then your code will not work.

You can manipulate the ID by altering the last couple of digits of an expired ID parameter that you obtain from a previously working URL.

It’s possible to manipulate an ID in this way to make it produce and display codes on the promotional page, but if you’re guessing the IDs, then you’ll have to test the actual code that it outputs to see if it works for the $200 bonus amount that you want.

Summary of Code Manipulation

I’ve experimented with manipulating Chase promotional URLs in the past to see if I could recreate legitimate working codes that I couldn’t otherwise access, because I didn’t get targeted for the offers in my Chase account.

I took a previously expired URL and found that by altering parameter #1 as outlined above, I could change the expiration date that is shown on the promo page.

However, altering the display of the expiration date doesn’t mean that the actual coupon code produced by an old URL will suddenly be extended to that new expiration date, because you have to have a corresponding ID in parameter #2 as outlined above.

I’ve also manipulated the ID parameter on URLs with valid expiration dates (when I didn’t otherwise have a working ID), and I was able to get the promotional page to produce a coupon code.

However, I found that these codes were usually for $150 and not $200, and in order to find a $200 code, you would need to test each code ID manipulation that you make, which proved to be almost impossible, because you would need to bring each code to a Chase branch or test it online by going through the full application process.

In the end, I couldn’t find a way to produce legitimate working codes by manipulating old links.

However, it’s my guess that some sellers on eBay are experimenting with these same techniques, and either don’t understand that the codes may not work properly or don’t care (I’ll assume the former, because it doesn’t do any good for your ratings when you sell bad codes).

Disclaimer for Information About Links

Please note that all of the above information I have provided about these Chase promotional links is only based on my own experiences and experiments.

I do not have access to any insider information or know anybody at Chase Bank who is involved in creating and managing these promotional links.

As of 2/25/2014, I have never seen anybody else discuss manipulating these links anywhere else on the web in any forums or blogs, so I have no further input as to how these links may work except for my own research.

If you have your own experiences that you’d like to share, please feel free to do so in the below comments.

$25 Finder’s Fee for Legitimate Working URLs

We still offer a $25 Finder’s Fee for legitimate working links to the $200 Chase coupon codes.

However, considering the above information, please understand that we must vet these URLs to make sure they work for the $200 bonuses.

Alternative Promotions – Chase Bank $200 Coupon Codes Via Mail

Chase Bank is also currently mailing Chase Total Checking account $200 coupon codes that are good when you open a new personal checking account with Chase Bank.

I received a $200 Chase Total Checking coupon code in the mail, so check your mail for possible coupon codes as well.

I Closed My Chase Checking Account and used one of these $200 checking account codes when I opened a new account, as it does not require a direct deposit to qualify for the bonus.

Plus, since the bonus is for the Chase Total Checking account, you can Avoid Chase Checking Monthly Fees by maintaining a minimum balance in your account, so you don’t need a direct deposit to avoid the maintenance fee like you did with the old personal checking accounts.

We will post any $200 Chase personal checking codes that we receive via email for our readers to use.

You can also Buy Chase Coupon Codes on eBay without the direct deposit requirement, so that may be a better option if you don’t want to set up a direct deposit to your new account.

If you received a $200 Chase personal checking bonus code in the mail that you don’t intend to use, please feel free to post your code in the comments section below this article for other readers.


      • says

        Hello Adriana,

        Unfortunately, the fine print on the promo page for this offer does not indicate how much the amount of your direct deposit must be in order to qualify for the bonus offer.

        This may mean that there is no minimum direct deposit requirement in order to qualify for the bonus, and that you just must have any qualifying direct deposit.

        It does say that 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.

        In addition, there is a $500 minimum direct deposit requirement in order to avoid the monthly service fee for this account, unless you meet one of the other requirements.

        If you open the account in person, you can always check with the banker before opening the account.

        Hope this helps and good luck. Max

        • Dr Thom Robinson says

          Any chance you will make this site current? All your offers are expired. Not much help. Thanks and good luck.


          Dr Thom

          • says

            Hello Dr Thom,

            The $200 Chase bonus link is unavailable at this time, but I am waiting for a new online link to hopefully become available soon.

            However, I did provide a link to the current $150 bonus link in the above article, so that readers could be directed to the current offer. Just view the second sentence in the above article to find that current link.

            Thanks for your comment, Max

    • Aaron says

      Hello Max, If you could please email the 200 code thank you so much and if it could be with out direct deposit but if not then thats ok, thank you for your time =)

      • tara sherratt says

        could i please also have the $200 coupon code with direct deposit? I emailed once before but didnt recieve a response

  1. TekGems says

    Awww, I opened an account with $150 back. 20% or more return for parking your money for six months? Awesome deal!

  2. Donna says

    I am desperate for a $200 coupon code for Chase. Today is the last day I can provide the code since I opened the account a week ago. Please help. If you can, please email me at asap! thanks a million

  3. Melva Morton says

    I need a coupon or a code as I already referred someone to chase and we couldn”t get the codes to print.Please help we sure would appreciate one.
    You Melva Morton

  4. Sophia says

    I am also interested in receiving the $200 chase bonus code with No Direct Deposit needed.

    Thank you so much..

    • Roland Ma says

      I am interested in the coupon code for Chase $200 bank promotion without direct deposit. Please let me know if you still have any. Thanks. Have a great rest of the day.

  5. nik says

    can someone please provide a chase code for the $200 that doesnt require direct deposit. need it for today at 1pm. Thanks!

  6. allison says

    Please if u have any coupons I would love one. We had two and then when we went to open both accounts up one didn’t work, thank you!

  7. Dal says

    I’m looking for a $200 coupon code for opening Chase total checking acct that Does not require direct deposit. Would greatly be appreciated.

  8. sdl says


    I am looking for a $200 coupon code sent to this address if you have one… Recently opened a Chase checking and realized the code I had expired a few weeks earlier. Thanks so much for your help!

  9. Dave says

    Hi there, I think I might be too late, but I am looking for a $200 coupon code for a Chase checking account. If anyone out there has one, I would really appreciate it.

  10. Brenda says

    Just click on the coupon code link above, to sign up for the coupon code and it will be sent to your email address.

  11. Marcus says

    Please email me the code for the $200bonus for Chase. I misplaced my coupon from the mail. Thank You.

  12. says

    Hello graye,

    Thanks for the notice.

    It looks like the Email My Coupon option at the above promo link is no longer working, but the Apply Online Now option does still work.

    Please review the updated instructions in the above article, as you may still be able to take advantage of this offer.

    Thank you for notifying us of this situation. Max

  13. Tee says

    The whole page is totally not working.. I would like to donate to this page.. would like to also subscribe to any new code offers out there how do i do this? thanks so much

  14. says

    Hello Tee,

    Thank you very much for your comment.

    We’ve updated this page to reflect that the $200 bonus link is currently expired.

    There is still a $150 bonus link available online, which you can find at the top of the above article.

    We’ll also update this page in the future when an online $200 bonus link becomes available again.

    If you would like to subscribe to our updates, where we’ll announce new Chase bonus codes and other updates, please see the “Subscribe and Connect” link at the top of the right sidebar.

    If you happen to find a $200 link available elsewhere, we would definitely appreciate it if you comment here and let us know about the link.

    Thank you very much for commenting and good luck to you. Max

  15. says

    Hello Jay,

    No, the remaining codes that are listed in the above article are for the Total Checking account, but they do require a direct deposit.

    These are just some leftover codes that I generated through the most recent $200 promo link before it expired.

    If I receive any $200 codes from elsewhere that do not require a direct deposit, I will be sure to post them and specify the details of the promotion that is associated with them.

    Thanks for reading. Max

  16. says

    Hello everybody,

    The rest of the $200 coupon codes that we had available have been used at this time.

    We’ll update this page again once a new $200 bonus offer becomes available online for Chase checking, or if additional codes become available from elsewhere.

    Thanks, Max

  17. Carlos says

    Hi, can you please send me a $200 Coupon code for opening a new chase total checking account. Thank you.

  18. GK says

    Hi, would be glad if you could please send me a $200 Coupon code for opening a new chase total checking account.
    Thank you

  19. angelique says

    HI, I would really appreciate if someone has any codes for chase total checking or otherwise without direct deposit! I would love to do in next few days. Thanks so much!

  20. RichReg says

    Does anyone know if the codes received in the mail (usually along with your Chase credit card statement) also require you to be a brand new Chase checking account customer? Or does that requirement only apply to the codes received online?

  21. Kunkae says

    If anyone as a $200 coupon code (unused) for chase checking account without requiring direct deposit. I would appreciate it. The deadline to turn it in is tomorrow July 16, 2012. My email is thank you!

  22. Jeff says

    I’m a existing Chase Freedom credit card holder and clicking on the link in the post revealed the $200 bonus offer for Total Checking account.
    I want to say thank you very much for reviving the $200 deal and finding a working coupon. I’ll stay tune for future offers and glued to your blog!!


    • Roland Ma says

      Hi. Im a current chase credit card member. I want to ask if u can send me the promo code for $200 opening a checking account. God bless you.

  23. Alex says

    Could I sign up and be qualify for this $200 sign up bonus even though I had a checking account 4 years ago?

  24. says

    Here is a $150 Chase Total Checking coupon code that DOES NOT require a direct deposit.

    I received this code from Chase via an email promotion.

    Get $150 when you open a Chase Total Checking account!

    This offer is only available to new Chase checking customers and expires July 30, 2012.

    To get your $150, open an account online now using the coupon code below or print this e-mail and take it to your local branch before 7/30/2012 to open a Chase Total Checking account.

    Coupon Code: 4509942423233179

    See below for Service Fee & other Important Information.

    Bonus/Account Information: Offer not available to existing Chase checking customers, those with fiduciary accounts, those whose accounts have been closed within 90 days or with a negative balance. To receive the bonus: 1) open a new Chase Total Checking account, which is subject to approval; AND 2) deposit $100 or more within 60 days of account opening. This deposit cannot be money held by Chase or its affiliates, nor can the bonus be used as the opening deposit. After we receive your minimum $100 deposit, we’ll deposit the bonus in your new account within 10 business days. You can only receive one checking account-related bonus per calendar year. Bonus is considered interest and will be reported on IRS Form 1099-INT.

    Account Closing: If your checking account is closed within six months, we will deduct the bonus amount at closing.

    If you use this code, please indicate so in a comment below, as it is a 1-time use code.

    Thank you, Max

  25. kelli says

    I went to open my account at CHASE and the code I took didn’t work – they are holding my acct until I can come back with a valid code – PLEASE send me one ASAP if possible!!! Thank you!

  26. Jay says

    If someone has a code for $200 to open a new Chase Personal Checking account that doesn’t require direct deposit, could you please send it to I would really appreciate it.


  27. Geej says

    PLEASE… if you have coupon code for any bonus for checking account with NO DIRECT DEPOSIT or that accepts “Square Up” deposits as “direct deposits”… I appreciate please e-mail code to me at… no other solicitations please…

  28. Diana says

    Hello ,
    I need help finding a coupon / bonus , I’m about to open an account with chase but a need a coupon / bonus with no direct deposit ! Can someone please help me

  29. Peter says

    Does anyone know that the $200 checking sign-up bonus cash be able to converted to Chase Ultimate Reward points?

    By the way, here is a $200 Coupon Code: 4518675098881999 which it will require direct deposit.

  30. Melissa says

    The above coupon codes provided by me and the following are all for this promotion:

    “Get $200 when you open a Chase Total CheckingSM account* and set up direct deposit! This exclusive offer is only available to new Chase checking customers.”

    “Hurry, this offer ends August 15, 2012.”

  31. Chris says

    The online application is bullshit, it won’t let you deposit 1500 from a separate checking account, just so you can go one day without a minimum balance of $1500 and they can charge the service fee for the first month. A message appears that they can’t “identify” your account and the only option is to deposit up to $500 with a debit card, that does have a transaction fee. SCAM!!!

  32. says

    Hello Mike,

    Thank you so much for posting that link, you are completely awesome for sharing the link with everybody.

    We’ve posted it in the above article for everybody to access.

    I sent you an email to provide you with a special finder’s fee, so please respond if you see it.

    Thank you again for your help, I really appreciate it.


  33. Irene says

    I just opened an account in Chase and used a mail offer of 200$. There is a trick that Chase or their lazy reps would do to decline the offer. I was told that my name is on a ChexSystems,Inc list (consumer reporting agency), as if I have some kind of delinquency in payments or debt, and Chase cannot open an account on my name. The rep printed a Notice of Action. I thought: was it a 20$ I owe to my dentist, or a trick. I looked at the Notice of Action, and asked to print some more information of the delinquent person (SSN or the address at least to be sure it is me, there was only a name in the notice). After that, the rep said he cannot really print any other information, and after that: he could actually bypass the Notice he got before -”it must have been a computer glitch” (????!!!), and finally open an account. I am going to complain to Chase management.

  34. brian says

    anyone have the code or link for the 200 dollar promo without direct deposit? pls email or post up. THanks

  35. linda says

    If anyone has the chase $200 coupon with no direct deposit, please email me the coupon at “”. Thank you so much!!!

  36. says

    $200 Chase Premier Plus Checking Account Bonus Code Available

    No Direct Deposit Required

    Coupon Code: 4521627239864497

    Get $200 after your first 6 months when you open a new Chase Premier Plus Checking account.

    Expires October 6, 2012.

    Not available to existing Chase checking customers or if you closed account within 90 days.

    Just open a new account and deposit $100 or more within 60 days to qualify for $200 bonus.

    You will receive the $200 bonus after 6 months, just as long as your account still has a positive balance.

    Chase Premier Plus Checking has a $25 monthly service fee.

    You can avoid the fee with a $15,000 average balance in your checking, savings, and other qualifying accounts.

    I received a Chase flyer with this code in the mail along with local newspaper advertisements.

    This is a single-use code.

    If you use the code, please indicate so in a comment, so that it can be updated.

    Thank you and good luck.

  37. Rick says

    Got the $200 for new checking and direct deposit. Be aware, I now got a $23 “Checking supplies” charged to me?? I hope they don’t keep up the BS fees or it will be a 6 month account and then closed.

  38. Chase Banker says

    FYI – each code can only be used once – so if you are posting it online you have no way of knowing if it will work till you get to the bank and open your account, heck of a time to realize it has already been used. Chase mails out offers all the time and if you are a cardholder you can call cardservices and see what they may have to offer.
    If you bank elsewhere and put your debit card in a Chase ATM – most times you will get a code printed on your receipt, worth the $2-$5 fee both banks will charge. Then that code is yours and no one else can use it.

  39. Ravi says


    I am looking for $200 coupon for opening an account with Chase with DD. If anyone has one, please email me at ravitheja [AT]


  40. Dawn says

    Here is a code that does not require direct deposit only $100 to open account. It expires 1/31/13

  41. Janeth says

    i need a $200 coupon for my personal checking account if any can help please do please i have 3 days left!!!! thank you so much!!

  42. Mary says

    Please mail me a $200 coupon for a checking account with Chase. I am trying to open today. Thank you so much in advance. :)

  43. Alfred says

    Please mail me a $200 coupon for a checking account with Chase. I am going to open tomorrow. Thank you so much in advance.

  44. Shashi says

    Can someone provide any chase coupon dated on or before 18-dec-2012 . i have opened the account without knowing the coupon stuff. i can share the coupons that can be used for accounts yet to be opened.

    Please email me on

  45. sara says

    Hello. I was just wondering if you have any 150 or 200 dollar codes left for opening a new chase account?

  46. Nikole says

    I know people have been searching for this code as Chase gives them out for free and in my search, I found one that some of you may take advantage of this offer.

    Here is a link for a Chase $200 coupon code that requires direct deposit with a new code generated every time the page is refreshed. It expires May 15!

    Enjoy your bonus!

    Chase Bonus Link

  47. Amit says

    I tried using the code but keep getting error “we are unable to verify the code at this time”. Anyone knows whats going on?

  48. jimmy phan says

    please email me a coupon of up to $200 for Chase bank new saving or checking account without the direct deposit. thanks


  49. jimmy phan says

    please email me a coupon of up to $200 for Chase bank new saving or checking account without the direct deposit. thanks

    tomorrow saturday 8/24 is the last day to submit. pls help me to send asap

  50. pNa says

    Chase doesn’t accept online applications from non-U.S. citizens at this time. We apologize for any inconvenience this may cause. Please visit a Chase branch near you, or call Chase International Financial Services for assistance. Our relationship bankers will be happy to help you.

  51. Julian Banks says

    I’m also hoping to get the $200 code if you have some spare time to send it. Thank you very much.


  52. Greg Gomard says

    Date: Novemeber 2, 2013
    Please send me an unexpired $200 coupon offer for a Chase Bank new checking account with direct deposit for Georgia residents. Thank you

  53. Hugo says

    Great information! Can you email me a Chase Bank $200 cash bonus coupon codes for a new Chase Total Checking account with direct deposit? Thank you!

  54. M. A. Mehta says

    I have opened a Savings Account.. Please send me a code ($200 or $150) whichever is currently working. Thank you.

  55. jody says

    Hi, can I get a $200 code for chase that doesn’t require setting up direct deposit? I get these in the mail all the time and I throw them away!! Now I need one, lol! Can you please help? thanks so much!

  56. Chris says

    Sir can you please send me a chase $200 coupon, I plant to open a account in January 2014 if you have a code available, if not I shall try to wait cause price is good :-) So worth waiting.

  57. Dave says

    Max, Would U please email me a $200 Chase [w direct deposit] code? Please send at your earliest so I can get this established before the deadline of Feb 15th, 2014.
    A big THANX

    • says

      Hello Dean,

      The Chase checking bonus offers are generally not available to people with accounts that have been closed within 90 days.

      Additionally, you can only get 1 checking account bonus per calendar year.

      Hope that helps and good luck. Max

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