Chase Total Checking Coupons $200 Bonus thru December 15, 2014

Get your free $200 Chase Total Checking coupons to earn a $200 bonus when you open a new Chase Bank Total Checking account with a direct deposit by December 15, 2014.

Updated 11/13/2014: We now have the newest $200 bonus Chase Total Checking Account coupon codes available that do require a direct deposit.

How To Get Your Chase Coupon Code

1. You can Tweet Me This Message, and I will respond to you with a unique code via Twitter.

2. You can +1 this Google+ Post and Leave a Comment with your request, and I will respond to you with a unique code.

3. Please also feel free to email MaximizingMoney@gmail.com, and I will be more than happy to send you a code for 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 MaximizingMoney@gmail.com, and I’ll do my best to help you out.

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 www.chase.com/checking. 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.

$200 Chase Total Checking Coupons Bonus Offer Details

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

You may be able to meet the Chase direct deposit qualification by performing an Automated Clearing House (ACH) transfer from another bank or with a transfer from PayPal, Serve, or Bluebird.

Some people have reported success for Chase Bank with an ACH from Ally Bank, Bank of America, Citibank, and ETrade.

Some readers have reported success with initiating a direct deposit to Chase checking accounts via PayPal, so you may be able to earn the bonus by setting up a transfer to your new checking account from PayPal.

Additionally, some people have reported success in setting up a transfer to Chase Bank from their American Express Bluebird or Serve accounts.

It only takes 1 direct deposit to qualify, so one of these options may work for you, if you can’t otherwise get a direct deposit from your employer or the government.

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 Total Checking coupons being sold on eBay and shared on various forums and blogs including this one.

These $200 Chase Total Checking account 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 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.

https://www.chase.com/ccp/index.jsp?pg_name=ccpmapp/shared/marketing/page/306666_200_xlob
&ID=0000016214&jp_aid_a=58035529
&jp_aid_p=col_myaccts/rtnv2

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 Total Checking coupons.

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 Total Checking coupons 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.

Comments

      • 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

  1. 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!!!

  2. 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.

  3. 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.

    • says

      Hello Rick,

      You have to decline the checks when opening your account to avoid the fee for checks.

      Otherwise, I personally have received this checking fee, and I simply called Chase and indicated that I did not request the checks and that I therefore shouldn’t be charged a fee, and they have reversed the charges for me.

      Sorry you got that fee and thanks for the comment. Max

  4. 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.

    • says

      Hello Anne,

      The Chase coupon codes that you receive by mail or otherwise are unique codes that can only be used 1 time per person.

      Glad you received a code and good luck. Max

  5. 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.

    • 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

  6. Rachel says

    does anything have any luck applying online? http://www.chase.com/checking is asking for zip code and got an error message: “The Chase product or service you selected is not available in the ZIP code you entered. Please check the ZIP code to be sure it was entered correctly. For more information about our products or services, please Contact Us.”

    Is it not possible to apply online? Thanks

    • says

      Hello Rachel,

      It is possible to apply online, but you must live within a certain distance of a Chase branch to apply online, or you will otherwise be required to apply in person.

      Thanks for the comment. Max

  7. Kim says

    Thanks so much, Max! My husband and I both used the codes and they worked like a charm. We love your blog and thank you for the $400.

  8. LaRue says

    you said you had some codes that didn’t require the direct deposit, where can I get one of those ?!?

      • says

        Hello LaRue,

        I know for sure that PayPal has worked for some people, but I haven’t heard reports on Amazon Payments working.

        You could try Amazon Payments first, and if it doesn’t work, then you can go with PayPal.

        Thanks for the comment. Max

  9. Elizabeth says

    I’m looking at setting up an account and having my husband do the same so that we each get the $200. If we do those as joint accounts, even if each account has a different direct deposit going into it, is that a problem? If so, should we wait to add one another to the account for a certain period of time? Thanks!

    • says

      Hello Elizabeth,

      I would wait until you both open the accounts separately and qualify for the bonuses before adding each other to your accounts.

      If you open them as joint accounts, then Chase may consider it as each person earning more than 1 bonus within a calendar year, or as each person being an existing Chase checking customer already, and then you may only qualify for 1 of the bonuses or possibly neither, who knows.

      It’s not worth the risk of losing out on earning both bonuses, so I would just open them separately and add each other later.

      I hope this helps and good luck. Max

    • says

      Hello John,

      You have to live within a certain distance of a Chase Bank branch in order to open the account online and qualify for the bonus.

      Otherwise, you can open the account in person with the code to get the bonus, but if you don’t live near one, you would obviously have to travel whatever distance it is to get to it.

      Thanks for the comment and sorry it didn’t work out for you. Max

  10. Ki says

    This was an easy prom for me. Had no problems. I had a savings account with them for a while with hardly any money in there but when I went to open the checking account I logged in and entered the promo code. Completed the requirements. Opening deposit went in on 10/02/2014, 10/15/2014 Direct Pay, 10/21/2014 Misc. Credit $200 for New Checking
    That bonus came in way sooner than I’ve received any other bonuses

    Thanks Max for posting these and also going the extra mile of calling the banks at times and verifying concerns for us and then posting the responses.
    Much appreciated

Leave a Reply

Your email address will not be published. Required fields are marked *