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 January 15, 2015.
Updated 12/8/2014: 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.
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.