Chase Private Client Checking bonus: is $3,000 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $150,000 for 90 days, the tier that adds the most.
Yearly rate on $150,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- −$531$150,000Best for you$1,000 bonus · 90 days
- −$552$250,000$2,000 bonus · 90 days
- −$2,104$500,000$3,000 bonus · 90 days
The math
Compared with leaving $150k at 4.15%
Deposit $150,000 in new money within 45 days · Keep $150,000 there until day 90. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $150,000 in new money within 45 days
- 2Keep $150,000 there until day 90
- Ends
- Jan 27, 2027
- Where
- Nationwide
- Pays while it's there
- 0.01% a year
- Monthly fee
- None
- Cash stays
- About 90 days
- Bonus paid
- Usually within 40 days of finishing
- Credit check
- None
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the Chase Private Client Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $150,000 tier adds −$531: the $1,000 bonus plus $4 interest, minus the $1,535 that cash would have earned in 90 days. The $250,000 tier adds −$552. At that rate it doesn't beat leaving the cash where it is. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $150,000 in new money within 45 days; keep $150,000 there until day 90. Open nationwide.
When does it end?
The offer ends Jan 27, 2027. The terms were last checked Oct 10, 2026.