How To Get the Chase Private Client $3,000 Bonus Offer [2025]

Chase Private Client is one of the bank’s most premier account offerings, seeking to provide a banking experience that offers personalized service and exceptional benefits to those that have a large number of holdings with Chase.

Qualifying is no easy matter as doing so is by invitation only and requires you to have a daily average of $150,000 across Chase investments and bank accounts. But those who do qualify receive a large number of benefits for doing so, including banking, credit card, business, investment, and loan benefits.

Chase doesn’t always offer a welcome bonus offer to those invited to open a Chase Private Client account, but when it does, we’ve seen bonus offers as high as $3,000! So how can you increase your odds of receiving such an offer? Let’s find out!

Chase Private Client Benefits

First, let’s answer the question, “Do I even want a Chase Private Client account?” To do so, let’s outline some of the best benefits offered to Chase Private Clients to help you decide if the account is a good fit for you.

Remember, qualifying for Chase Private Client requires you to have a daily average of $150,000 across Chase investments and bank accounts, so in order to outweigh the opportunity cost of holding/investing these funds elsewhere, you’ll want to make certain that the benefits are worthwhile to you.

Banking Benefits

• You’re eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking^SM account with qualifying activities.
• Speak with a Private Client Banker to open your Chase Private Client Checking^SM account today. Schedule your meeting at your nearest branch to get started.
• Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker and 24/7 access to a U.S. based banking service line.
• Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000.
• No fees at Chase and non-Chase ATMs worldwide.
• No Chase fee on incoming or outgoing wire transfers.
• Get higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle^® and Chase QuickDeposit^SM limits.
• Relationship rates which may make you eligible for a 0.25% auto loan rate discount, and access to events, including cultural and sporting events, family experiences, and financial seminars.
• Enhance your relationship with J.P. Morgan Wealth Management and partner 1:1 with a dedicated J.P. Morgan Private Client Advisor who can create a personalized financial strategy and custom investment portfolio. Get a holistic view of your banking and investing, and make seamless transfers between accounts with the Chase Mobile^® app.
• Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.

*J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

INVESTMENT AND INSURANCE PRODUCTS: • NOT A DEPOSIT • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNEMENT AGENCY • NO BANK GUARANTEE • MAY LOSE VALUE

Loan Benefits

• Discounted home loan rates (when you purchase and refinance) and personalized guidance from a home lending specialist
• Discounted rates on auto purchase loans and discounts on select Jaguar and Land Rover vehicles
• Discounted rates for home equity lines of credit

Investment Benefits

• A dedicated J.P. Morgan Private Client advisor
• Personalized investment strategy and retirement planning
• Free online stock and ETF trades with You Invest by J.P. Morgan

Business Benefits

• Access to a Chase Small Business Specialist
• No monthly service fee on a Chase Business Complete Checking account when linked to a Chase Private Client Checking account and no additional fees for electronic deposits
• No monthly service fee on your Chase Private Client Checking account when linked to your Chase Platinum Business Checking account
• Reduced minimum balance requirement for your Chase Platinum Business Checking account when linked to your Chase Private Client Checking account

Hot Tip: Want more information on all the benefits that Chase Private Client provides? Check out our ultimate guide to Chase Private Client.

How To Find the $3,000 Bonus Offer

If you’ve determined that a Chase Private Client account is a good fit for you, and you meet the qualification standards, here is how you can try to locate the best bonus offer possible. Make note that anyone can upgrade to Chase Private Client, but the $3,000 bonus offer is by invitation only so it’s only for targeted customers.

Public Offer

As with its credit cards, Chase will periodically run limited-time promotional offers for many of its banking products — including Chase Private Client.

So if you were hoping to become a Chase Private Client, or are interested in opening any of Chase’s other bank accounts, waiting until there is a promotional offer would be a great strategy to score yourself some extra cash.

Right now, the bonus is:

• Enjoy up to a $3,000 bonus when you open a new Chase Private Client Checking^SM account with qualifying activities. After offer enrollment, you have 45 days to transfer qualifying new money or securities to a combination of eligible personal checking, savings and/or personal J.P. Morgan Wealth Management non-retirement accounts (excludes Chase Personal and Business CDs, Chase business checking and savings accounts, J.P. Morgan Self-Directed Investing accounts, J.P. Morgan Wealth Management Personal Advisors accounts, and J.P. Morgan Wealth Management retirement accounts). Your bonus will be determined on day 45. Maintain your new money for 90 days from offer enrollment and we’ll add the bonus into your account within 40 days.
• APY: The Annual Percentage Yield (APY), for Chase Private Client Checking^SM effective as of 06/20/2025 is 0.01% for all balances in all states. Interest rates are variable and subject to change. Additionally, fees may reduce earnings on the account.

Targeted Mailings

If you’re like most people, you probably throw away or delete most of the marketing information you receive from companies in your mailbox or email inbox. While it is easy to write these things off as snail mail and not worthy of your time, you’d be surprised to find that there can be some very lucrative offers at times. In fact, if you’ve been targeted for a promotional bank account offer from Chase, the way you will be communicated to will be via email or a physical mailer.

However, if you don’t ever receive any sort of promotional mailings from Chase, then it is likely that you have never opted in to receive promotional offers. Luckily there is an easy fix if you’d like to start receiving these offers. All you need to do is log into your Chase account, click Profile, then Settings. Once there you’ll want to click Marketing Preferences and then click Yes to receive special offers from Chase.

Meet With a Private Client Banker at a Chase Branch

Visiting a Chase branch to meet with a Private Client Banker would be a great option for those who are on the fence about Chase Private Client, or are hoping to upgrade from their current Chase bank account. If you’re in luck, a Private Client Banker might even be able to help get you matched with a targeted welcome offer for a Private Client account.

Keep in mind that not all Chase branches offer Chase Private Client services, so make sure your local branch offers this service before stopping by. To do so, you can utilize the Find a Branch tool.

Reasons You May Not Be Able To Get a Bonus Offer

You Haven’t Opted-In to Marketing Offers

The easiest way for you to find out that you’ve been targeted for a promotional offer from Chase is for the bank to contact you and tell you itself. But if you haven’t allowed it to do so then you might never know! So if you want to make sure you’re notified about any offers you’re eligible for, you need to make sure you’ve opted-in.

You’re Already a Chase Private Client

Bonus offers for Chase Private Client are not eligible for existing account holders. So if you’re already a Chase Private Client then you’re out of luck.

You Don’t Qualify for a Chase Private Client Account

This last one goes without saying, but if you don’t meet the qualifications standards for the Chase Private Client program, then you will not be eligible to receive a Private Client bonus offer.

Final Thoughts

Chase Private Client might be the perfect program for you if you’re considering parking a large number of funds with Chase. But before doing so, make sure you find the benefits that the program offers to be worthwhile, and, if possible, try to land yourself a bonus offer before signing up to sweeten the deal even more.

The information regarding Chase Private Client Checking was independently collected by Upgraded Points and not provided nor reviewed by the issuer.