How to Get $900 From Chase Bank: Step-by-Step Guide

Quick answer

• Open a new Chase checking account and meet the direct deposit requirements.
• Open a new Chase savings account and meet the minimum balance or deposit requirements.
• Take advantage of limited-time Chase checking and savings account promotional offers.
• Consider a Chase credit card with a sign-up bonus, which can be redeemed for cash or statement credits.
• Explore Chase’s personal loan options if you need to borrow funds.
• Understand that “getting $900” often involves meeting specific criteria for new account bonuses or rewards.

Who this is for

• Individuals looking to open a new Chase bank account and earn a bonus.
• Existing Chase customers seeking to maximize their banking relationship with the bank.
• Anyone interested in leveraging bank promotions for financial gain.

What to check first (before you act)

Goal and timeline

What is your primary objective for obtaining this $900? Is it for a specific purchase, to build savings, or to cover an unexpected expense? Knowing your goal will help determine the best approach. Your timeline is also crucial. Are you looking for funds immediately, or can you wait for account bonuses to be fulfilled, which often take several weeks or months?

Current cash flow

Before opening new accounts or applying for products, assess your current income and expenses. Do you have a steady cash flow that can support new account minimum balance requirements or meet direct deposit thresholds? Understanding your financial situation will prevent you from overextending yourself.

Emergency fund or safety buffer

Do you already have a robust emergency fund in place? If not, consider whether using any potential bonus funds to build or bolster your emergency savings is a priority. Having a safety net for unexpected events is fundamental to financial health.

Debt and interest rates

If you are considering a personal loan or credit card, evaluate your existing debt. What are the interest rates on your current debts? Prioritize paying down high-interest debt before taking on new obligations, even if they come with a bonus.

Credit impact

Applying for new bank accounts, credit cards, or loans can impact your credit score. Understand how a hard inquiry might affect your credit report and consider this before proceeding, especially if you have other credit applications pending.

Step-by-step (simple workflow)

Step 1: Research Chase Account Bonuses

What to do: Visit the official Chase website or a reputable financial news source that tracks bank promotions. Look for current offers on checking and savings accounts.
What “good” looks like: You’ve identified specific bonus offers with clear requirements and timelines.
Common mistake and how to avoid it: Relying on outdated information. Always verify offers directly on the Chase website, as promotions change frequently.

Step 2: Choose the Right Account

What to do: Select an account (checking, savings, or a combination) that aligns with your financial habits and the bonus requirements. Pay attention to monthly maintenance fees and how to waive them.
What “good” looks like: You’ve chosen an account where you can comfortably meet the bonus conditions without incurring unnecessary fees.
Common mistake and how to avoid it: Opening an account that doesn’t fit your lifestyle, leading to fees that negate the bonus. Read the account terms and conditions carefully.

Step 3: Open the New Account

What to do: Complete the online application or visit a Chase branch to open your selected account. You’ll need to provide personal information for identity verification.
What “good” looks like: Your account is successfully opened and you have your account number.
Common mistake and how to avoid it: Providing incomplete or inaccurate information, which can delay account opening or lead to rejection. Double-check all details before submitting.

Step 4: Fund the Account

What to do: Deposit the initial amount required, if any, to open the account.
What “good” looks like: The account is funded and ready for the next steps.
Common mistake and how to avoid it: Not meeting the minimum opening deposit, which can prevent account activation.

Step 5: Meet Direct Deposit Requirements (for Checking Bonuses)

What to do: Arrange for a qualifying direct deposit from your employer, government benefits, or other reliable source to be deposited into your new Chase checking account. Check the bonus offer for the specific amount and timeframe.
What “good” looks like: Your paycheck or other qualifying deposit is successfully credited to your new account within the specified period.
Common mistake and how to avoid it: Assuming any deposit counts. Many bonuses require a specific type and amount of direct deposit. Read the fine print.

Step 6: Maintain Minimum Balance or Deposit (for Savings Bonuses)

What to do: Ensure your new Chase savings account maintains a minimum balance or receives a specific deposit amount for the required period.
What “good” looks like: Your savings account balance remains above the required threshold for the entire bonus fulfillment period.
Common mistake and how to avoid it: Withdrawing funds before the bonus is credited, which disqualifies you.

Step 7: Wait for Bonus Fulfillment

What to do: Be patient. Chase typically credits bonus funds after the qualifying period (e.g., 60-90 days after meeting requirements).
What “good” looks like: The bonus amount appears in your account.
Common mistake and how to avoid it: Expecting the bonus immediately. Bonus crediting often has a lag time.

Step 8: Consider a Chase Credit Card Sign-Up Bonus

What to do: If you’re approved for a Chase credit card, review its sign-up bonus offer. This often requires meeting a minimum spending threshold within a set timeframe.
What “good” looks like: You meet the spending requirement and the bonus points or statement credit are applied.
Common mistake and how to avoid it: Overspending to meet a bonus threshold. Only spend what you would normally spend.

Step 9: Explore Personal Loan Options (If Necessary)

What to do: If you need cash directly and don’t qualify for bonuses, research Chase personal loan options.
What “good” looks like: You understand the loan terms, interest rate, and repayment schedule.
Common mistake and how to avoid it: Not comparing loan offers or understanding the total cost of borrowing.

Step 10: Review Account Activity

What to do: Regularly check your account statements to ensure all transactions are accurate and that bonus funds have been credited.
What “good” looks like: Your account statements reflect expected balances and credited bonuses.
Common mistake and how to avoid it: Not monitoring your accounts, which can lead to missed bonuses or unaddressed errors.

Common mistakes (and what happens if you ignore them)

Mistake	What it causes	Fix
Not reading bonus offer terms and conditions	Missing the bonus due to unmet requirements or misunderstanding the rules.	Read all fine print carefully before opening any account or applying for any product.
Closing the account too soon	Forfeiting the bonus and potentially incurring early closure fees.	Keep the account open for at least 6-12 months after receiving the bonus, as per offer terms.
Failing to meet direct deposit requirements	Not receiving the checking account new account bonus.	Confirm with your employer or payroll provider that deposits are correctly routed to the new account.
Not maintaining minimum balance in savings	Forfeiting the savings account bonus and potentially incurring fees.	Set up automatic transfers or reminders to ensure the balance stays above the required threshold.
Opening accounts that don’t fit your needs	Incurring monthly maintenance fees that outweigh the bonus value.	Choose accounts based on your spending and saving habits, not just the bonus.
Overspending to meet credit card bonus goals	Accumulating debt with high interest rates that negate the bonus value.	Only spend what you would normally spend; do not buy unnecessary items for the bonus.
Not verifying bonus crediting	Missing out on the bonus or not realizing it was not credited on time.	Track bonus fulfillment dates and contact Chase if the bonus doesn’t appear as expected.
Ignoring credit score impact of applications	Potentially lowering your credit score, making future borrowing more expensive.	Be mindful of how many new accounts you apply for in a short period.
Assuming all deposits are “qualifying”	Not meeting the direct deposit criteria for checking account bonuses.	Differentiate between a simple deposit and a qualifying direct deposit (e.g., payroll).
Not understanding the “new money” requirement	Not receiving a bonus if you’re moving money from another Chase account.	Check if the bonus requires “new money” deposited from an external bank.

Decision rules (simple if/then)

• If you are a new Chase customer, then focus on new account bonus offers because these are often the most straightforward ways to “get $900” from Chase.
• If you already have a Chase checking account, then look for Chase savings account bonuses or credit card offers because you may not qualify for new checking account bonuses.
• If your primary goal is immediate cash, then consider a Chase personal loan or a balance transfer credit card because these provide funds directly, albeit with interest.
• If you are struggling with high-interest debt, then prioritize paying down that debt before chasing bank bonuses because the interest saved will likely exceed any bonus amount.
• If you have a stable income and can commit to a direct deposit, then a Chase checking account bonus is a viable option because it’s a common and often generous promotion.
• If you can maintain a consistent balance without touching it, then a Chase savings account bonus can be a good, low-risk way to earn extra money.
• If you are a responsible credit user, then a Chase credit card with a sign-up bonus can be rewarding because the points or statement credits can be redeemed for cash.
• If you need funds for a larger purchase and have good credit, then a Chase personal loan might be suitable because it offers a fixed repayment schedule.
• If you are uncertain about meeting bonus requirements, then choose a bonus with simpler terms or a lower dollar amount to start because it reduces the risk of disappointment.
• If you have multiple Chase accounts, then check for relationship bonuses or upgrade offers because Chase sometimes rewards existing customers for expanding their relationship.
• If you are not comfortable with credit applications, then stick to deposit account bonuses because they generally do not involve a hard credit check.

FAQ

What is the easiest way to get $900 from Chase?

The easiest way is typically to take advantage of new checking or savings account promotional offers that provide a cash bonus for opening an account and meeting specific requirements, such as a direct deposit.

Do I need to be a new Chase customer to get a bonus?

Many of the most lucrative bonuses are specifically for new Chase customers. However, Chase sometimes offers bonuses for existing customers who open additional account types or meet certain relationship criteria.

How long does it take to receive a Chase new account bonus?

It usually takes between 60 to 90 days after you have met all the promotional requirements for the bonus to be credited to your account. Always check the specific offer’s terms.

Can I get $900 from a Chase credit card?

Yes, many Chase credit cards offer sign-up bonuses in the form of points or statement credits. If redeemed strategically or as statement credits, these can effectively amount to cash, sometimes exceeding $900 depending on the card and spending.

What are the requirements for Chase checking account bonuses?

Common requirements include opening a new Chase Total Checking or Chase Premier Plus Checking account and then making a qualifying direct deposit (e.g., $500 or more) within a specified timeframe, typically 60 days.

Are there fees associated with Chase accounts?

Yes, Chase accounts can have monthly maintenance fees. However, these fees can often be waived by meeting certain criteria, such as maintaining a minimum daily balance or setting up qualifying direct deposits.

What happens if I close my account before getting the bonus?

If you close your account before meeting the bonus requirements or before the bonus is credited, you will forfeit the bonus and may be subject to early closure fees.

Can I get $900 by combining multiple Chase offers?

It’s possible to combine offers, for example, by opening a checking account for a bonus and a savings account for another bonus, or by meeting a credit card spending requirement. However, ensure you can manage the requirements for each offer.

What this page does NOT cover (and where to go next)

• Specific, real-time bonus amounts and eligibility criteria for Chase accounts.
• Next: Visit the official Chase website or contact Chase directly for current offers and details.
• Detailed comparisons of all Chase checking, savings, and credit card products.
• Next: Explore Chase’s product pages to compare features, fees, and benefits that best suit your financial needs.
• Investment advice or strategies involving Chase’s brokerage services.
• Next: Consult with a financial advisor or research Chase’s investment platforms if you are interested in investing.
• Loan application processes for Chase personal loans, including specific credit score requirements.
• Next: Review Chase’s personal loan section for information on application requirements and to pre-qualify.
• Tax implications of receiving bank bonuses.
• Next: Consult with a tax professional or refer to IRS guidelines regarding income from bank account bonuses.