Chase Total Checking vs Huntington Perks Checking
Two of the easiest-to-clear bank bonuses. Both pay a meaningful cash bonus on a relatively small direct-deposit requirement. Chase pays $300 with just any qualifying DD within 90 days. Huntington Perks pays $400 with $500+ in DDs in 90 days. Different mechanics, both excellent for casual bank-bonus chasers.
Last updated:Side-by-side comparison
| Chase Total Checking | Huntington Perks Checking | |
|---|---|---|
| Bonus value | $300 | $400 |
| Minimum deposit | $500 | $500 |
| Hold period | 3 months | 3 months |
| Effective APR | 243.3% | 324.4% |
| Geography | US | US |
| Last verified | 2026-05-23 | 2026-05-23 |
Who wins for...
Winner: Huntington Perks Checking
$400 from Huntington vs $300 from Chase. On the same effective effort (one DD setup + 90-day wait), Huntington pays $100 more.
Winner: Chase Total Checking
Chase's requirement is straightforward: "have a qualifying direct deposit." There's no DD amount floor specified, though one statement-cycle DD is the de facto requirement. Huntington Perks requires $500+ in DD specifically within 90 days — more specific, more measurable, but also more to track.
Winner: Chase (slightly)
Chase has a 24-month cooldown between Total Checking bonuses; Huntington Perks bonuses can typically be reclaimed every 12-18 months depending on terms. If you're building a bank-bonus rotation, Chase's longer cooldown locks the slot longer.
Winner: Chase (national)
Chase Total Checking is available in most states with their physical branch network. Huntington Bank is more regional (Ohio, Michigan, Indiana, Illinois, Pennsylvania, West Virginia, Kentucky, Wisconsin, plus online for some accounts). Check your address against Huntington's service area before applying.
The bottom line
Chase Total Checking full details → Huntington Perks Checking full details →
Frequently asked
Should I get Chase Total Checking or Huntington Perks Checking?
Do both if you're in a Huntington service area. The $700 combined ($300 Chase + $400 Huntington) for two DD setups is excellent. If you're outside Huntington's service area, just take the Chase $300 — it's the easier of the two even at the lower payout.
Can I get both Chase Total Checking and Huntington Perks Checking?
Yes — most platforms in this space don't restrict you from using competitors simultaneously. Many users run multiple programs concurrently to maximize earning surface.
Which has the better welcome bonus?
See the side-by-side comparison table above. The "realistic" numbers we publish account for typical user experience, not the marketing peak rates.