Chase Business Checking Bonus: $300 or $500, No Direct Deposit (2026)

Chase Business Complete Checking pays $300 or $500 for opening a business checking account and completing 5 qualifying transactions within 90 days. No direct deposit is required. The $300 tier requires a $2,000 deposit; the $500 tier requires $10,000. Both tiers waive the $15/mo maintenance fee at the minimum deposit threshold, making the monthly fee drag $0.

Current Offer

Chase is running two public bonus tiers for Business Complete Checking through May 14, 2026. Both require 5 qualifying transactions within 90 days of account opening. No direct deposit is needed.

The $300 tier requires a $2,000 deposit within 30 days and a 60-day holding period. At 4.5% APY, the opportunity cost on $2,000 parked for 60 days is $14.79, leaving a net value of $285.21. The effective bonus APR is 90%.

The $500 tier raises the capital lockup to $10,000 with the same 60-day hold. Opportunity cost at 4.21% APY (Axos, Apr 2026) is $69.23, yielding a net value of $430.77. The effective bonus APR drops to 30%, but the absolute dollar return is higher. One thing to watch: dropping below $10,000 during the holding period may downgrade the payout to the $300 tier.

A $750 tier has appeared as a targeted offer for select applicants but is not part of the current public promotion.

For all active Chase promotions, see All Chase Bank Bonuses.

Requirement Stack

Three requirements, completed in sequence:

1. Deposit new money. $2,000 for the $300 tier or $10,000 for the $500 tier. Funds must be new to Chase -- transfers from existing Chase accounts or affiliates do not qualify. Deposit within 30 days of account opening.

2. Maintain the balance for 60 days. The full deposit amount must remain in the account for 60 calendar days. Dropping below $10,000 during this window may reduce the $500 bonus to $300.

3. Complete 5 qualifying transactions within 90 days. These are not direct deposits. Qualifying transaction types are covered in the next section.

Ineligibility rules:

• Currently hold a Chase business checking account
• Closed a Chase business checking account in the past 90 days
• Had a negative-balance closure at Chase in the past 3 years
• Received a Chase business checking bonus in the past 2 years

EWS screening: Chase co-owns Early Warning Services. The application triggers an EWS inquiry, not a ChexSystems pull. EWS records cannot be frozen.

Qualifying Transactions: What Counts (and What Doesn't)

Chase Business Complete Checking does not require direct deposit. Instead, the bonus requires 5 qualifying transactions within 90 days of account opening. This is a meaningful differentiator from most bank bonuses.

What counts as a qualifying transaction:

• Debit card purchases (any amount, including $1)
• Chase Online Bill Pay payments
• ACH credits (inbound transfers from external accounts)
• Wire transfers (inbound or outbound)
• Chase QuickAccept deposits
• Mobile check deposits

What does not count:

• Zelle transfers
• ACH debits (outbound)
• P2P payments
• Online transfers to Chase credit cards

The simplest approach: make 5 small debit card purchases. Community data points confirm that transactions as low as $1 each satisfy the requirement. Five purchases at a gas station, grocery store, or coffee shop within the first week clears the transaction requirement entirely.

For Chase personal account holders curious about direct deposit options, see Chase DD Checker.

Fee Math

The $15/mo maintenance fee on Business Complete Checking is waived when the account maintains a $2,000 daily balance. Since the minimum deposit for the $300 tier is $2,000 (and $10,000 for the $500 tier), the fee waiver is built into the requirement stack.

$300 tier: $300 bonus - $0 fees = $300 net bonus after fees

$500 tier: $500 bonus - $0 fees = $500 net bonus after fees

If the balance drops below $2,000 at any point during the 6-month keep-open window, the fee kicks in at $15/mo. Worst case over 6 months: $15/mo x 6 months = $90 total fee drag. Maintaining the minimum deposit avoids this entirely.

Tax note: Chase reports the bonus on a 1099-INT. This is interest income, not self-employment income. No SE tax is owed on the bonus.