How long do you have to keep money in Chase to get the bonus?
Plan on about 90 days with roughly $1,000 parked at Chase. Measured that way the $400 bonus is worth 162% effective APY, which is the only honest way to compare it to a savings account.
Classic Chase $400 DD bonus. Reliable, but sunsets soon.
The numbers, in full
| Payout | $400 |
|---|---|
| What it takes | Direct deposit $1,000 within 90 days of opening. |
| Direct deposit needed | Yes |
| Money tied up | $1,000 |
| Time committed | 90 days |
| Effective APY | 162% |
| Per hour of your time | $533/hr |
| When it pays | ~15 days after DD |
| Offer ends | Jul 15, 2026 |
| Last checked | Jul 5, 2026 |
What the return actually looks like
This reads high because you barely tie up any money: $1,000 committed for about 90 days pays $400. Annualized, that is 162%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 487% | |
| 45 days | 324% | |
| 60 days | 243% | |
| 90 days | 162% | The offer's own stated window |
| 120 days | 122% | |
| 180 days | 81.1% | |
| 270 days | 54.1% | |
| 365 days | 40.0% |
Open it
We have no referral for this one, so this goes straight to the public offer.
Related questions
Hold time
Same question, different offer.
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- How long do you have to keep money in SoFi to get the bonus?$50 - $400
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- How long do you have to keep money in Bank of America to get the bonus?Up to $750
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