| Item | Public 2026 term | What matters |
|---|---|---|
| Offer expiration | Oct. 14, 2026 | Rely on your code and opening documents |
| Funding window | 45 days after enrollment | Funds or securities must be eligible new money |
| Holding period | At least 90 days from enrollment | A brief day-45 balance is not enough |
| Bonus timing | Within 40 days after completion | The enrolled account must remain open and unrestricted |
| Monthly fee | $35, waivable | A common waiver is $150,000 in average beginning-day qualifying balances |
How the current Chase Private Client bonus works
Request a code, meet with a Private Client Banker and open or upgrade to CPC Checking. Transfer eligible new money within 45 days; the balance on day 45 sets the tier.
Maintain at least $150,000 of qualifying new money for 90 days from enrollment. Chase says the bonus arrives within 40 days after the requirements are completed and may be reported as interest income.
| Eligible new money | Bonus | Bonus as a share of the minimum |
|---|---|---|
| $150,000–$249,999.99 | $1,000 | About 0.67% |
| $250,000–$499,999.99 | $2,000 | About 0.80% |
| $500,000+ | $3,000 | About 0.60% at $500,000 |
What counts as new money
New money cannot already be held at Chase or an affiliate. Eligible accounts include personal checking and savings plus qualifying nonretirement J.P. Morgan Wealth Management accounts opened in a branch and serviced by a Private Client Advisor.
Personal and business CDs, business deposits, Self-Directed Investing, Personal Advisors, retirement accounts, 529s, annuities and several trust structures are excluded from the public offer.
The $150,000 threshold and $35 fee
The bonus test and monthly-fee test are separate. CPC Checking costs $35 per month unless a waiver applies, commonly through at least $150,000 in combined average beginning-day qualifying deposits and investments or an eligible linked checking account.
Useful benefits include no Chase fee for worldwide ATM use, ATM-owner surcharge refunds, no Chase incoming or outgoing wire fee, priority service and a dedicated banker. Third-party foreign-exchange spreads and intermediary-bank charges can still apply.
Calculate opportunity cost before moving assets
If $150,000 leaves a high-yield savings account for low-yield checking, 90 days of foregone interest can approach or exceed a $1,000 bonus. Compare expected interest before and after the move with the after-tax bonus.
Eligible securities may reduce cash drag, but the offer accepts only specific advisor-serviced nonretirement accounts. Advisory fees, market risk and tax consequences matter, and investment products are not FDIC-insured.
Who is a good fit
- Someone already planning to move at least $150,000 of eligible assets to Chase.
- A customer who regularly uses international ATMs, wires or coordinated banking support.
- A household that values an ongoing banker relationship beyond a one-time bonus.
- A poor fit: anyone who must sell investments, trigger taxes or park emergency cash at a materially lower yield.
Frequently asked questions
Can an existing Chase customer qualify?
Potentially. The public page allows an opening or upgrade, but qualifying new money cannot already be at Chase or an affiliate.
Must the money stay in checking?
No. Eligible personal savings and certain advisor-serviced nonretirement investment accounts may count, while CDs, self-directed and retirement accounts are excluded.
Must I always keep $150,000?
The offer's 90-day hold and the ongoing monthly-fee waiver are separate. Falling short of the fee waiver can trigger the $35 monthly fee.
Is the bonus taxable?
Chase says the bonus is reported as interest on Form 1099-INT or the applicable form. Seek tax advice for your situation.
Sources and verification
- Official Chase Private Client up-to-$3,000 offer — tiers, deadlines, funding and holding rules
- Official Chase Private Client benefits — fee waiver and banking benefits
- Official Chase checking comparison — monthly fee and qualifying balances
Three checks before enrolling
- Get the offer code first：The public offer requires a code and a banker-assisted opening or upgrade; the current page lists an Oct. 14, 2026 expiration.
- Day-45 assets determine the tier：$150,000–$249,999.99 earns $1,000, $250,000–$499,999.99 earns $2,000 and $500,000 or more earns $3,000.
- Price the opportunity cost：Cash moved from a high-yield account may lose enough interest to offset the bonus; investments add eligibility, fee and market-risk questions.
Treat the bonus as one line in a net-return calculation. Confirm the code and eligible accounts, then subtract lost interest, fees and tax consequences before moving assets.