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Chase Private Client $3,000 Bonus
Chase has a huge bonus offer of up to $3,000 for those who open or upgrade their accounts to Chase Private Client Checking. This account needs a balance of $150,000 or more and the maximum bonus requires a balance of $500,000, so this is not a deal for everyone. Let’s look at the details and whether it makes sense.
The Offer
Open or upgrade to your new Chase Private Client Checking account and earn up to $3,000. Here’s how to get started:
- Open or upgrade to your new Chase Private Client Checking account by 01/21/2026 in branch or over the phone using offer code: DM22 2292 22CY 6KZM.
- Within 45 days of coupon enrollment, transfer qualifying new money or securities to a combination of eligible checking, savings and/or J.P. Morgan Wealth Management non-retirement accounts. Your bonus will be determined on day 45.
- Maintain your new money for 90 days from coupon enrollment and the bonus will be deposited into your account within 40 days.
Bonus breakdown:
| New Money Inflows | Cash Bonus |
|---|---|
| $150,000-$249,999.99 | $1,000 |
| $250,000-$499,999.99 | $2,000 |
| $500,000+ | $3,000 |
Eligible and ineligible accounts for this offer include:
- Personal checking accounts
- Personal savings accounts
- Qualifying J.P. Morgan Wealth Management non-retirement accounts (opened in a Chase branch and serviced by a J.P. Morgan Private Client Advisor)
Key Terms
- Offer not available to existing Chase Private Client customers.
- You can receive only one Chase Private Client Checking new money bonus or savings promotional rate offer in a 12-month period from the last bonus coupon enrollment date.
- Coupon is good for one time use.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
- Account must be kept open for 6 months, otherwise bonus could be taken back.
- This bonus will be considered as interest, so you have to pay taxes.
Conclusion
This $3,000 bonus is the highest we have seen. You Invest accounts would have been a good option to meet the balance requirement, but are excluded in the terms.
The highest return is for the middle tier, which requires you to keep $250K in the account for just over 45 days to earn a bonus of $2,000.
