Chase Total Checking vs Bank of America Advantage Banking
Bank of America Advantage Banking returns more on the money it ties up, so it is the better first move for most people. Chase Total Checking still makes sense if its requirement is easier for you to meet.
| Chase Total Checking | Bank of America Advantage Banking | |
|---|---|---|
| Bonus | $400 | Up to $500 |
| Requirement | Direct deposit $1,000 within 90 days of opening. | Direct deposit $2k / $5k / $10k for $100 / $300 / $500. |
| Direct deposit | Required | Required |
| Money tied up | None | None |
| Hold period | No hold | No hold |
| Effective APY | Not applicable | Not applicable |
| Payout | ~15 days after DD | ~60 days |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |