Player 2 Chase Checking Account for SUB?

[Anonymous]

Hey everyone, 

I didn't have strong intuitions about about which sub-thread would be an appropriate place for this question, so I'm posting it here with apologies if this isn't correct. 

Chase has a $225 signup bonus if you open a checking account with them. I just opened one, and it's working for me because there are no Wells Fargo branches in Columbus, OH, but there are plenty of Chase locations. Now I can withdraw cash from an ATM without a fee (if I wanted to at least). I'm still in the honeymoon phase with Chase and I have a Freedom Unlimited and the Amazon card, and since I'm at 3/24, I'd like to pick up a Sapphire Preferred (or maybe a Reserve if I can justify it) and a Freedom Flex in the coming year. 

My wife also wants to open a checking account with Chase now, but I'm wondering whether this will create any red flags within Chase's system? It would be sweet for us both to be able to get a signup bonus, but I definitely don't want them closing my account because I want to get more Chase cards in the coming months. 

Does anyone have any experience with this? Is it ok for us both to open separate accounts? 

Thank you! --- Donny 

[Anonymous]

You can refer her for a $50 referral bonus on top, too

The point of the bonus is customer acquisition, after all -- shouldn't be any downsides really.

I'm about to open a new Chase checking again, in some couple months once I'm allowed per the bonus rules

Chase considers multiple factors including deposit & investment accounts held with them, alongside credit, when reviewing applications. Treat the account good (some monies in there, no OD/NSF or other negative activity) and it makes applications easier.

[Anonymous]

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@Anonymous wrote:

Hey everyone, 

I didn't have strong intuitions about about which sub-thread would be an appropriate place for this question, so I'm posting it here with apologies if this isn't correct. 

Chase has a $225 signup bonus if you open a checking account with them. I just opened one, and it's working for me because there are no Wells Fargo branches in Columbus, OH, but there are plenty of Chase locations. Now I can withdraw cash from an ATM without a fee (if I wanted to at least). I'm still in the honeymoon phase with Chase and I have a Freedom Unlimited and the Amazon card, and since I'm at 3/24, I'd like to pick up a Sapphire Preferred (or maybe a Reserve if I can justify it) and a Freedom Flex in the coming year. 

My wife also wants to open a checking account with Chase now, but I'm wondering whether this will create any red flags within Chase's system? It would be sweet for us both to be able to get a signup bonus, but I definitely don't want them closing my account because I want to get more Chase cards in the coming months. 

Does anyone have any experience with this? Is it ok for us both to open separate accounts? 

Thank you! --- Donny 

---

I believe you need to look at the SUB terms and see if it says "one per household" and your wife likely cannot be a joint signer on your account. If she is, she will not likely qualify for the SUB, but the info you need will be in the SUB terms.

[Anonymous]

Thanks! I don't see any of those terms in the fine print, so that's a good sign! 

[Anonymous]

Thank you! I'll try to snag that referral bonus too! I appreciate the advice. 

[blindambition]

Many couples have joint and separate accounts. As long as accounts are following the terms in accordance to TOS, Chase will not take any action against either of you.