Interest Desk

Chase Says $1,000. Its Own Page Says $500.

Chase $400 bonus requirements — what the direct deposit rule actually says (August 2026)

The video for this episode is not published yet. Everything it covers is on this page, with the sources.

The offer, as advertised

$400 bonus · Chase Total Checking® · offer expires 10/14/2026

One page. Two requirements.

Everything a person reads says $1,000. The block underneath it says $500.

Who reads the invisible number

Search engines and AI assistants answer from the structured data.

An offer six weeks past its own deadline

Read live in August 2026: “from April 9, 2026 through and including June 18, 2026.”

What the three big offers actually ask

Account BonusDirect Deposit RequiredWindowMonthly Fee
Chase Total Checking® $400 $1,000 90 days $15
Wells Fargo Everyday Checking $325 $1,000 90 days $15
U.S. Bank Smartly® Checking $250 / $350 / $450 $2,000 / $5,000 / $8,000 90 days $12

What a $400 bonus is really worth

Advertised bonus Chase Total Checking®, offer page read 2026-08-03 $400
Early account closure fee No such fee exists — Chase's 24-page fee schedule read in full $0
Monthly service fee across the 90 days $15/mo, waived by the same deposits that earn the bonus; first two statement periods free regardless $0
Federal tax at 22% Paid as interest and reported on a 1099-INT — the bank's own disclosure says so -$88
What you keep $312

Worth taking. Take it off the terms.

Meet the requirement the fine print states, not the one a machine quoted you.

Interest Desk has no affiliate relationship with any bank named in this video and was paid nothing to make it. Every figure was read from the bank's own published terms on the date shown on screen.

Sources

Read these yourself before you apply. A bank can change an offer the day after it is read here.