The exclusions are specific and worth checking before you share. The offer is not available to existing Chase checking customers, to anyone whose account has been closed within the last 90 days, or to anyone whose account was closed with a negative balance within the last three years. The referred friend must be a new Chase checking customer.

Chase Referral Code

Q: Why is the split so uneven?

It is roughly seven to one in the newcomer's favour, and what makes it comfortable rather than stingy is where the conditions sit. All of them are on your friend's side: you need only make the introduction, while they must open the account, set up direct deposit or meet a deposit requirement, and in the college case complete ten transactions within sixty days. Splits run both ways and should never be assumed — this catalogue contains programmes paying the referrer double and others paying the friend more — but a friend-weighted split with the effort also on the friend's side is the most comfortable kind to share, because you are passing on something genuinely valuable rather than asking a favour.

Q: Is there anything else to know about bank bonuses?

Two practical points that apply beyond Chase. Bank account bonuses are usually reportable income, so the headline figure is not necessarily what you keep. And direct-deposit requirements mean the account has to become somebody's actual banking arrangement rather than a dormant one opened for a bonus — which is a larger commitment than it first appears, and the reason banks are willing to pay several hundred dollars for it.

Chase pays you $50 and your friend up to $350 — a seven-to-one split toward the newcomer, and the conditions sit almost entirely on their side

Chase is the consumer banking arm of JPMorgan Chase, the largest bank in the United States. Its refer-a-friend programme pays $50 per qualifying checking referral, capped at $500 per calendar year.

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Chase pays $50 for each friend who opens a qualifying checking account, capped at 10 referrals and $500 per calendar year, while the friend can earn up to $350 — $200 for Total Checking with direct deposit, $150 for Savings meeting the deposit requirement, $350 for both, or $100 for College Checking with 10 transactions in 60 days. That is roughly a seven-to-one split toward the newcomer, and what makes it comfortable rather than mean is that every condition sits on their side: you only make the introduction. Splits run both ways and should never be assumed, but a friend-weighted one with the effort also on the friend's side is the easiest kind to share honestly. The exclusions are specific — existing checking customers, accounts closed within 90 days, and accounts closed with a negative balance in three years are all ineligible.

How much can you earn?

Share your own code and earn rewards when friends use it

$50 for each friend who opens a qualifying Chase checking account. ⚠️ Capped at 10 referrals and $500 per CALENDAR YEAR.per successful referral*

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How to Use a Chase Referral Code

Check your friend is actually eligible

Not an existing Chase checking customer, no account closed within 90 days, none closed with a negative balance in three years.

Share your referral link

From the Chase refer-a-friend page or your account.

They open and activate the account

Direct deposit for Total Checking, the deposit requirement for Savings, or 10 transactions in 60 days for College Checking.

You earn $50, up to $500 a year

Ten referrals per calendar year, after which the cap resets in January.

Reward Details

Your Reward: ✅ Up to $350: $200 for a new Chase Total Checking account with direct deposit, $150 for a new Chase Savings account meeting the deposit requirement, $350 for both, or $100 for a Chase College Checking account with 10 qualifying transactions in 60 days.
Referrer Reward: $50 for each friend who opens a qualifying Chase checking account. ⚠️ Capped at 10 referrals and $500 per CALENDAR YEAR.
Minimum Purchase: No purchase. The friend must set up direct deposit, or meet the savings deposit requirement, or complete 10 transactions in 60 days for the college account.
Validity: The referrer cap runs per calendar year and resets.
Available In: USA
Referral Limit: ⚠️ 10 referrals per calendar year, totalling $500.
Payout Time: Following the referred friend meeting the qualifying conditions.
Eligibility: ⚠️ NOT available to existing Chase checking customers, to anyone whose account closed within 90 days, or to anyone whose account closed with a negative balance in the last 3 years.

Why Choose Chase?

✅ A seven-to-one split favouring the friend

$50 to you against up to $350 to them, and the conditions sit on their side rather than yours.

✅ The friend's side is itemised explicitly

$200 checking with direct deposit, $150 savings, $350 both, $100 college. Rarer than it should be in this catalogue.

⚠️ The annual cap is real

10 referrals and $500 per calendar year, which is a genuine constraint rather than a theoretical one.

⚠️ Exclusions are specific

Existing checking customers, accounts closed within 90 days, and accounts closed with a negative balance in three years are all out.

About Chase

The conditions all sit on your friend's side, which is unusual and, for once, works in the referrer's favour.

Chase is the consumer and commercial banking arm of JPMorgan Chase, the largest bank in the United States by assets, offering checking and savings accounts, credit cards, mortgages and investment services.

THE REFER-A-FRIEND PROGRAMME IS UNUSUALLY WELL SPECIFIED, WHICH IS WHAT YOU WOULD HOPE FOR FROM A REGULATED BANK PUBLISHING ITS OWN TERMS. You earn $50 for each friend who opens a qualifying Chase checking account, up to 10 referrals and $500 in a calendar year.

✅ THE FRIEND'S SIDE IS SUBSTANTIALLY LARGER AND IS BROKEN DOWN EXPLICITLY, which is rarer than it should be:
• $200 for opening a new Chase Total Checking account and setting up direct deposit
• $150 for opening a new Chase Savings account and meeting the deposit requirement
• $350 for doing both
• $100 for a new Chase College Checking account with 10 qualifying transactions in 60 days

✅✅ THAT IS ROUGHLY A SEVEN-TO-ONE SPLIT IN THE NEWCOMER'S FAVOUR, AND IT IS WORTH NOTING THAT ALL THE CONDITIONS SIT ON THEIR SIDE RATHER THAN YOURS. You need only make the introduction; they must open the account, set up direct deposit or meet a deposit requirement, and in the college case complete ten transactions inside sixty days. ⚠️ Splits run both ways and should never be assumed — this project has found programmes paying the referrer double and others paying the friend more — but a friend-weighted split with the effort also on the friend's side is the most comfortable arrangement to share, because you are passing on something genuinely valuable rather than asking a favour.

⚠️ THE EXCLUSIONS ARE REAL AND SPECIFIC. The offer is not available to existing Chase checking customers, to those whose accounts were closed within 90 days, or to anyone whose account was closed with a negative balance in the last three years. The referred friend must be a new Chase checking customer.

⚠️ ONE PRACTICAL POINT ABOUT BANK BONUSES GENERALLY: they are usually reportable income, and direct-deposit requirements mean the account has to become somebody's actual banking arrangement rather than a dormant one opened for a bonus.