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Chase Bank Promotions Overview

Chase Bank in UtahChase Bank Bonuses and Promotions include checking account bonuses, savings offers, business banking incentives, credit card welcome offers, referral rewards, and customer deals available to qualifying customers.

We track publicly available Chase Bank bonuses and promotions from official Chase sources to help Utah consumers and businesses understand current offers, requirements, and important terms. Promotions can change frequently, so always verify the latest details directly with Chase before applying.

For more information about Chase’s presence in Utah, see our Chase Bank in Utah profile.

Some promotions may not be publicly advertised. Financial institutions may offer branch-only, relationship-based, preselected, or targeted promotions to certain customers. UtahFi includes offers that can be verified through public or otherwise reliable official sources, so additional promotions may be available to you directly through the institution.

Quick Summary

This summary highlights the most valuable current Chase Bank bonuses and promotions available to qualifying customers, including major cash bonuses, business incentives, referral rewards, and other financial benefits.

Category Current Offers
Checking Account Bonuses Earn up to $400 with Chase Total Checking, $175 with Chase Secure Banking, or $125 with Chase High School Checking when qualifying requirements are completed.
Savings Account Bonuses Earn up to $200 with Chase Savings by meeting qualifying new money deposit and balance requirements.
Business Account Bonuses Earn up to $500 with Chase Business Complete Checking or up to $3,000 with Chase Platinum Business Checking when qualifying requirements are met.
Credit Card Bonuses Selected Chase consumer and business credit cards offer welcome bonuses, including cash back, points, and travel rewards offers.
Promotional Rates Selected Chase cards offer introductory APR promotions. Chase also offers lending incentives, including a 0.25% auto financing relationship discount and eligible homebuyer assistance up to $5,000.
Referral Programs Earn $50 per qualifying Chase checking referral, up to $500 per calendar year. Business and credit card referral rewards vary.
Member Deals and Discounts Chase Offers provides personalized merchant cash back, discounts, and limited-time customer offers that vary by card and customer.
Salt Lake City skyline divider with temple and Utah mountains

Checking Account Bonuses

Current Chase Bank promotions include multiple checking account bonuses for qualifying new customers. These offers are designed for different types of customers, including traditional checking customers, customers looking for a lower-fee banking option, and students.

Chase Total Checking — $400 Bonus

Detail Offer
Bonus $400
Product type Consumer checking account
Account Chase Total Checking
How to earn it Open a new Chase Total Checking account and receive qualifying direct deposits totaling $1,000 or more within 90 days of offer enrollment.
Required holding period No separate holding period is listed. The account must remain open and unrestricted when the bonus is paid.
Monthly service fee $15 or $0 when a qualifying waiver requirement is met.
Potential account cost $0 if the monthly fee is waived. Otherwise, up to $45 if three monthly service fees apply during the qualification period.
Potential bonus after fees Up to $400 before fees, or approximately $355 after three $15 monthly service fees.
Fine print Offer is not available to existing Chase checking customers, certain recent former customers, or customers who received a new checking account opening bonus within the restricted period. Qualifying direct deposits include eligible paycheck, pension, or government benefit deposits. Zelle, cash, checks, wire transfers, and interest payments do not qualify.
Expiration date No expiration provided. Verify current offer terms before applying.
Availability Online or Chase branch, subject to account approval. Available to qualifying Utah applicants.
Who qualifies New Chase checking customers who meet the offer requirements.

More official info: Chase Total Checking offer

Chase Secure Banking — $175 Bonus

Detail Offer
Bonus $175
Product type Consumer checking account
Account Chase Secure Banking
How to earn it Open a new Chase Secure Banking account and complete 10 qualifying transactions within 60 days of offer enrollment.
Required holding period No separate holding period is listed. The account must remain open and unrestricted when the bonus is paid.
Monthly service fee $4.95 or $0 when a qualifying waiver requirement is met.
Potential account cost $0 if the monthly fee is waived. Otherwise, up to approximately $9.90 if two monthly service fees apply during the qualification period.
Potential bonus after fees Up to $175 before fees, or approximately $165.10 after two $4.95 monthly service fees.
Fine print Qualifying transactions include debit card purchases, online bill payments, Chase QuickDeposit, Zelle, and ACH credits. The offer is not available to existing Chase checking customers or certain recent former customers.
Expiration date October 14, 2026
Availability Online or Chase branch, subject to account approval. Available to qualifying Utah applicants.
Who qualifies New Chase checking customers who meet the offer requirements.

More official info: Chase Secure Banking offer

Chase High School Checking — $125 Bonus

Detail Offer
Bonus $125
Product type Student checking account
Account Chase High School Checking
How to earn it Open a new Chase High School Checking account with a parent or guardian as a co-owner and complete qualifying activities under the offer terms.
Required holding period No separate holding period is listed. The account must remain open and eligible when the bonus is paid.
Monthly service fee $0 when account requirements are met.
Potential account cost $0 monthly service fee when eligibility requirements are maintained.
Potential bonus after fees Up to $125.
Fine print The account must be opened in a Chase branch with the teen and parent or guardian present. The parent or guardian must be a co-owner with an eligible Chase checking account. Offer terms and eligibility restrictions apply.
Expiration date October 14, 2026
Availability Available at Chase branches for qualifying students and families, including eligible Utah customers.
Who qualifies Eligible high school students ages 13–17 opening a new Chase High School Checking account with a parent or guardian co-owner.

More official info: Chase High School Checking offer

Utah ski mountain divider illustration with snowy peaks and ski lifts

Savings Account Bonuses

Current Chase Bank promotions include a savings account bonus for qualifying new Chase Savings customers. This offer is separate from checking account bonuses and is based on depositing qualifying new money into a new Chase Savings account.

Chase Savings — Up to $200 Bonus

Detail Offer
Bonus Up to $200
Product type Consumer savings account
Account Chase Savings
How to earn it Open a new Chase Savings account and deposit qualifying new money within 30 days of offer enrollment. Deposit $5,000–$9,999.99 to earn $100 or $10,000 or more to earn $200.
Required holding period Maintain the required new money balance for 90 days from offer enrollment.
Monthly service fee $5 or $0 when a qualifying waiver requirement is met.
Potential account cost $0 if the monthly service fee is waived. Otherwise, the fee may apply based on whether waiver requirements are met.
Potential bonus after fees Up to $200 after fees if the monthly service fee is waived. If the $5 monthly service fee applies for three months during the qualification period, the potential bonus is approximately $185.
Fine print Offer is not available to existing Chase Savings customers or certain recent former customers. Qualifying new money cannot come from Chase or its affiliates. The bonus amount is determined based on the qualifying deposit amount and is paid after completing the required maintenance period.
Expiration date October 14, 2026
Availability Online or at Chase branches for qualifying Utah applicants.
Who qualifies New Chase Savings customers who meet the offer requirements.

More official info: Chase Savings offer

Utah State Capitol divider illustration with mountain landscape background

Business Account Bonuses

Current Chase Bank promotions include business checking bonuses for qualifying new business customers. Chase offers incentives for small businesses opening eligible checking accounts, with bonuses based on new money deposits and qualifying account activity.

Chase Business Complete Checking — Up to $500 Bonus

Detail Offer
Bonus Up to $500
Product type Business checking account
Account Chase Business Complete Checking
How to earn it Open a new Chase Business Complete Checking account, deposit qualifying new money within 30 days of offer enrollment, maintain the required balance for 60 days, and complete 5 qualifying transactions within 90 days.
Required holding period Maintain the required new money balance for 60 days from offer enrollment.
Monthly service fee $15 or $0 when a qualifying waiver requirement is met.
Potential account cost $0 if the monthly fee is waived. Otherwise, fees depend on how long the account remains open and whether waiver requirements are met.
Potential bonus after fees Up to $500 after fees if the monthly service fee is waived. If the $15 monthly service fee applies for three months during the qualification period, the potential bonus is approximately $455.
Fine print Offer is not available to existing Chase business checking customers or certain recent former customers. Qualifying transactions may include debit card purchases, Chase QuickDeposit, ACH credits, wire credits/debits, Chase Online Bill Pay, and Chase QuickAccept. Person-to-person payments such as Zelle do not qualify.
Expiration date October 15, 2026
Availability Online or at Chase branches for qualifying Utah businesses.
Who qualifies New Chase business checking customers who meet the offer requirements.

More official info: Chase Business Complete Checking offer

Chase Platinum Business Checking — $3,000 Bonus

Detail Offer
Bonus $3,000
Product type Business checking account
Account Chase Platinum Business Checking
How to earn it Open a new Chase Platinum Business Checking account, deposit at least $300,000 in external funds within 60 days of offer enrollment, and maintain at least a $300,000 balance for 180 days.
Required holding period Maintain the required $300,000 balance for 180 days from offer enrollment.
Monthly service fee $95 or $0 when qualifying balance requirements are met.
Potential account cost $0 if the monthly fee is waived. Otherwise, fees may apply based on account usage and waiver eligibility.
Potential bonus after fees Up to $3,000 after fees if the monthly service fee is waived.
Fine print Requires significant business deposits and a long balance-maintenance period. The offer is intended for qualifying business customers with larger cash balances.
Expiration date October 1, 2026
Availability Available to qualifying new business customers.
Who qualifies New Chase Platinum Business Checking customers who meet the offer requirements.

More official info: Chase Business Checking offers

Delicate Arch divider illustration with Utah desert and mountains

Credit Card Bonuses

Chase offers public welcome bonuses on selected consumer and business credit cards. These offers vary by card, and applicants should review the official Chase offer page for the current bonus amount, spending requirement, annual fee, and eligibility restrictions before applying.

Consumer Credit Cards

Chase Freedom Unlimited — $200 Bonus

Detail Offer
Bonus or Offer $200 bonus
Product type Consumer cash back credit card
How to earn it Spend $500 on purchases in the first 3 months from account opening.
Required spending $500 in 3 months
Annual fee $0
Potential bonus after annual fee Up to $200 before interest, balance transfer fees, cash advance fees, late fees, or other charges.
Fine print The bonus is not available to current cardmembers of this card or previous cardmembers who received a new cardmember bonus for this card within the restricted period. Purchases do not include balance transfers, cash advances, cash-like transactions, interest, unauthorized charges, or fees.
Expiration date Not clearly listed on the public product page checked.
Availability Online, subject to credit approval. Available to qualifying Utah applicants.
Who qualifies New Chase Freedom Unlimited cardmembers who meet Chase’s eligibility and approval requirements.

More official info: Chase Freedom Unlimited offer

Chase Sapphire Preferred — 75,000 Point Bonus

Detail Offer
Bonus or Offer 75,000 bonus points
Product type Consumer travel rewards credit card
How to earn it Spend $5,000 on purchases in the first 3 months from account opening.
Required spending $5,000 in 3 months
Annual fee $95
Potential cost At least the $95 annual fee if the account is opened and kept for the first year. Interest and other card fees may apply depending on account usage.
Fine print The card may be unavailable if you currently have the card open. The new cardmember bonus may not be available if you previously held the card or received a new cardmember bonus for the card. Chase may also consider the number of cards you have opened and closed when determining bonus eligibility.
Expiration date Not clearly listed on the public product page checked.
Availability Online, subject to credit approval. Available to qualifying Utah applicants.
Who qualifies New Chase Sapphire Preferred cardmembers who meet Chase’s eligibility and approval requirements.

More official info: Chase Sapphire Preferred offer

Other Chase Consumer Credit Card Offers

Detail Offer
Bonus or Offer Additional public Chase consumer credit card welcome offers are available on selected cash back, travel, hotel, airline, retail, and partner cards.
Product type Consumer credit cards issued by Chase
How to earn it Meet the current spending and eligibility requirements for the specific Chase card offer.
Required spending Varies by card.
Annual fee Varies by card. Some Chase cards have a $0 annual fee, while premium or co-branded cards may charge annual fees.
Potential cost Depends on the card’s annual fee, interest rate, and other account fees. Required spending is not treated as a cost, but purchases must fit the customer’s budget.
Fine print Chase card offers can vary by product family. Co-branded cards may also have partner-program rules. Applicants should verify the official Chase offer and pricing terms for the exact card before applying.
Expiration date Varies by card and offer.
Availability Online, subject to credit approval. Available to qualifying Utah applicants unless a specific offer has additional restrictions.
Who qualifies New cardmembers who meet Chase’s eligibility, approval, and card-specific bonus requirements.

More official info: Chase credit card offers

Business Credit Cards

Ink Business Unlimited and Ink Business Cash — $750 Bonus

Detail Offer
Bonus or Offer $750 cash back bonus
Product type Business cash back credit cards
How to earn it Spend $8,000 on purchases in the first 4 months after account opening.
Required spending $8,000 in 4 months
Annual fee $0
Potential bonus after annual fee Up to $750 before interest, late fees, cash advance fees, balance transfer fees, or other charges.
Fine print Chase’s public page may show a higher amount as a strikethrough previous offer. Verify the active application page before applying. Purchases must meet Chase’s bonus rules and the account must remain eligible.
Expiration date Not clearly listed on the public product page checked.
Availability Online, subject to credit approval. Available to qualifying Utah businesses.
Who qualifies Business applicants who meet Chase’s eligibility and approval requirements.

More official info: Chase business credit card offers

Ink Business Preferred — 100,000 Point Bonus

Detail Offer
Bonus or Offer 100,000 bonus points
Product type Business rewards credit card
How to earn it Spend $8,000 on purchases in the first 3 months after account opening.
Required spending $8,000 in 3 months
Annual fee Verify current annual fee on Chase’s official application page before applying.
Potential cost Annual fee, interest, and other card fees may apply. UtahFi does not assign a third-party cash value to Ultimate Rewards points.
Fine print Bonus eligibility and approval requirements apply. Review the official Chase offer details and pricing terms before applying.
Expiration date Not clearly listed on the public product page checked.
Availability Online, subject to credit approval. Available to qualifying Utah businesses.
Who qualifies Business applicants who meet Chase’s eligibility and approval requirements.

More official info: Chase business credit card offers

Ink Business Premier — $1,000 Bonus

Detail Offer
Bonus or Offer $1,000 bonus cash back
Product type Business cash back credit card
How to earn it Spend $10,000 on purchases in the first 3 months from account opening.
Required spending $10,000 in 3 months
Annual fee Verify current annual fee on Chase’s official application page before applying.
Potential cost Annual fee, interest, and other card fees may apply.
Fine print Bonus eligibility and approval requirements apply. Review the official Chase offer details and pricing terms before applying.
Expiration date Not clearly listed on the public product page checked.
Availability Online, subject to credit approval. Available to qualifying Utah businesses.
Who qualifies Business applicants who meet Chase’s eligibility and approval requirements.

More official info: Chase business credit card offers

Sapphire Reserve for Business — 150,000 Point Bonus

Detail Offer
Bonus or Offer 150,000 bonus points
Product type Premium business rewards credit card
How to earn it Spend $30,000 on purchases in the first 6 months from account opening.
Required spending $30,000 in 6 months
Annual fee $795
Potential cost At least the $795 annual fee if the account is opened and kept for the first year. UtahFi does not assign a third-party cash value to the points or card benefits.
Fine print Bonus eligibility and approval requirements apply. Review the official Chase offer details and pricing terms before applying.
Expiration date Not clearly listed on the public product page checked.
Availability Online, subject to credit approval. Available to qualifying Utah businesses.
Who qualifies Business applicants who meet Chase’s eligibility and approval requirements.

More official info: Chase business credit card offers

Great Salt Lake divider illustration with Utah mountains and shoreline

Promotional Rates

Current Chase Bank promotions include select introductory rates, lending incentives, and customer relationship discounts. UtahFi only includes rates and financing benefits that function as promotional offers rather than standard everyday product pricing.

Chase Auto Finance Relationship Rate Discount

Detail Offer
Promotion 0.25% APR discount for eligible Chase customers applying through Chase.com for auto financing.
Product type Auto financing incentive
Promotional period Discount applies to eligible approved auto financing applications.
How to qualify Apply through eligible Chase channels and meet Chase lending approval requirements.
Potential cost Loan costs depend on the approved APR, loan amount, term, credit profile, and other financing factors.
Fine print The discount is not available for all applications and does not apply to dealer or third-party website submissions. Review current Chase auto financing terms before applying.
Expiration date No public expiration date listed.
Availability Available to qualifying Chase customers.
Who qualifies Eligible Chase customers approved for qualifying auto financing.

More official info: Chase Auto Finance interest rate discount

Chase Homebuyer Grant — Up to $5,000

Detail Offer
Offer Up to $5,000 Chase Homebuyer Grant for eligible homebuyers.
Product type Mortgage/home lending incentive
Promotional period Available for qualifying borrowers and eligible properties.
How to qualify Purchase an eligible primary residence using a qualifying Chase mortgage product in an eligible area and meet program requirements.
Potential cost Mortgage costs still apply, including interest, closing costs, and other loan expenses. Eligibility requirements determine availability of the grant.
Fine print The grant is not available for every borrower or property. Eligible areas and qualifying loan products may change. This is a grant and does not need to be repaid when program requirements are met.
Expiration date No public expiration date listed.
Availability Available in select areas for qualifying borrowers.
Who qualifies Eligible homebuyers who meet Chase mortgage and program requirements.

More official info: Chase Homebuyer Grant

 

Introductory Credit Card APR Offers

Detail Offer
Promotion Selected Chase credit cards may include introductory APR offers for purchases or balance transfers.
Product type Credit card financing incentive
Promotional period Varies by credit card and offer.
How to qualify Apply for a qualifying Chase credit card with an active introductory APR offer.
Potential cost Balance transfer fees, annual fees, and interest after the promotional period may apply.
Fine print Introductory APR terms vary by card. Customers should review the specific cardmember agreement before applying.
Expiration date Varies by card and offer.
Availability Available on selected Chase credit cards.
Who qualifies Applicants approved for eligible Chase credit cards with promotional APR terms.
Great Salt Lake divider illustration with Utah mountains and shoreline

Referral Programs

Current Chase Bank promotions include referral programs for eligible checking customers, credit cardholders, and business customers. Referral rewards are separate from new-customer welcome bonuses because they reward existing customers for referring qualified applicants.

Chase Checking Refer-A-Friend

Detail Offer
Bonus $50 per qualifying checking referral, up to $500 per calendar year.
Product type Checking account referral program
How to earn it Refer friends or family members who open a qualifying Chase checking account and complete the required qualifying activities using the referral link and offer code.
Potential cost $0 to participate as a referring customer.
Fine print The referred customer must use the referral process and complete qualifying requirements. Both accounts must remain open and unrestricted when the bonus is paid. Eligibility may vary by account type.
Expiration date Offer availability may change.
Availability Available to eligible Chase checking customers.
Who qualifies Eligible Chase checking account holders with access to the referral program.

More official info: Chase checking Refer-A-Friend

Chase Credit Card Refer-A-Friend

Detail Offer
Bonus Referral rewards vary by Chase credit card. Examples include cash back, points, or miles for eligible referrals.
Product type Credit card referral program
How to earn it Refer an applicant who applies through an eligible Chase referral link and is approved for a participating Chase credit card.
Potential cost $0 to participate as a referring cardholder.
Fine print Referral rewards vary by card and may have annual limits. The reward earned by the referring cardholder is separate from the welcome bonus available to the new applicant.
Expiration date Offer availability varies by card.
Availability Available to eligible Chase cardholders with participating referral offers.
Who qualifies Existing Chase cardholders with eligible referral access.

More official info: Chase credit card Refer-A-Friend

Chase Refer-A-Business

Detail Offer
Bonus $100 for each qualifying business referral, up to $1,000 per calendar year.
Product type Business checking referral program
How to earn it Refer a business that opens an eligible Chase business checking account using the personalized referral link and completes qualifying activities.
Potential cost $0 to participate as a referring business customer.
Fine print The referred business must use the personalized referral link and complete qualifying requirements. Referral rewards are separate from business account opening bonuses.
Expiration date Offer availability may change.
Availability Available to eligible Chase business checking customers.
Who qualifies Eligible Chase business checking account holders with access to the referral program.

More official info: Chase Refer-A-Business

Member Deals and Discounts

Chase provides customer deals and discounts through programs such as Chase Offers, cardholder benefits, and limited-time partner promotions. These offers vary by customer, card, and eligibility, so UtahFi focuses on publicly available programs rather than individual personalized offers.

Chase Offers

Detail Offer
Offer Personalized cash back offers, discounts, and merchant promotions available through eligible Chase credit and debit cards.
Product type Customer deals and merchant discounts
How to earn it Activate eligible Chase Offers through Chase.com or the Chase Mobile app, then complete the required purchase with the eligible card.
Potential cost No additional cost to activate offers. Customers must complete qualifying purchases to receive the benefit.
Fine print Available offers vary by customer and card. Not every Chase customer receives the same offers. Offers may require activation before purchase and may include expiration dates, spending requirements, or merchant restrictions.
Expiration date Varies by individual offer.
Availability Available to eligible Chase customers through Chase.com or the Chase Mobile app.
Who qualifies Eligible Chase debit and credit card customers with available Chase Offers.

More official info: Chase Offers

 

Chase Cardholder Partner Benefits

Detail Offer
Offer Selected Chase cards may include limited-time partner benefits, travel offers, dining benefits, entertainment offers, or statement credits.
Product type Cardholder perks and partner promotions
How to earn it Use an eligible Chase card according to the requirements of the specific promotion or benefit.
Potential cost Some benefits are included with eligible cards, while premium cards may charge annual fees.
Fine print Partner benefits vary by card and may require enrollment, activation, minimum spending, or use of specific merchants or services.
Expiration date Varies by benefit or promotion.
Availability Available to eligible Chase cardholders.
Who qualifies Customers with qualifying Chase products and eligible benefits.
Salt Lake City skyline divider with temple and Utah mountains

Frequently Asked Questions

Chase Bank promotions can change frequently, and eligibility may vary by product, customer relationship, and application channel. These frequently asked questions explain how Chase bonuses and offers generally work.

Does Chase Bank currently offer a checking account bonus?

Yes. Chase currently offers checking account bonuses for qualifying new customers, including offers tied to Chase Total Checking, Chase Secure Banking, and other eligible checking products. Requirements vary by account and may include direct deposits or qualifying transactions.

Does Chase offer a savings account bonus?

Yes. Chase offers a savings bonus for qualifying new Chase Savings customers who meet the required deposit and balance requirements. Savings promotions may change, so customers should verify current terms before applying.

Does Chase offer business checking bonuses?

Yes. Chase offers business checking promotions for qualifying new business customers. These offers may require new money deposits, maintaining account balances, and completing qualifying transactions.

Does Chase offer credit card welcome bonuses?

Yes. Chase offers welcome bonuses on selected consumer and business credit cards. Offers vary by card and may include cash back, points, miles, or other rewards. Applicants should review current Chase terms because bonus amounts and eligibility rules change frequently.

Can existing Chase customers qualify for new bonuses?

Some Chase promotions are limited to new customers or customers who meet specific eligibility requirements. Existing Chase customers may not qualify for certain account-opening bonuses, and credit card bonus eligibility can vary by card product and account history.

How long does it take to receive a Chase bonus?

Bonus timing depends on the promotion. Many Chase bonuses are deposited after the customer completes all requirements and the account remains open and eligible at the time of payout.

Can Chase checking and savings bonuses be combined?

Some Chase offers may allow customers to open multiple products, while others may have separate eligibility requirements. Customers should review the specific terms for each promotion before assuming bonuses can be combined.

Does Chase have referral bonuses?

Yes. Chase offers referral programs for some checking accounts, credit cards, and business products. Referral rewards are separate from new-customer welcome bonuses and may vary by product.

Are Chase bonuses taxable?

Some Chase bonuses may be reported as taxable income depending on the type of bonus and applicable tax rules. Customers should review Chase disclosures and consult a tax professional for advice specific to their situation.

Do Chase promotions require an offer code?

Some Chase promotions require an offer code, while others apply automatically through a promotional landing page or application process. Customers should verify the requirements before opening an account.

Are Chase promotions available in Utah?

Many Chase promotions are available nationwide, including to qualifying Utah consumers and businesses. However, some offers may have geographic, product, or customer-specific restrictions.

How often do Chase promotions change?

Chase updates promotions regularly. Bonus amounts, qualification requirements, expiration dates, and available products may change, so customers should review current official Chase terms before applying.

Can Chase Bank have promotions that are not advertised publicly?

Yes. Chase may provide promotions that are not publicly available, including branch-only offers, targeted mail or email offers, online or mobile banking offers, preselected credit card offers, relationship-based promotions, Private Client offers, and personalized Chase Offers merchant deals. UtahFi primarily tracks promotions that can be verified through public or otherwise reliable official Chase sources.

Utah ski mountain divider illustration with snowy peaks and ski lifts

Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.