$125 Bonus For Chase Checking with DD - But...

My Chase credit card has this offer page for $125 bonus if I open a Chase Checking with direct deposit. I opened the account online but had a few questions, so I gave them a call. First since I was not provided the account # when I applied online, it was long and tough to get to speak with a banking rep, since the phone menu doesn't provide the option (i.e. you must enter an account # to speak with a banking rep). The system transferred me to a credit card rep, then a banking rep, then an online banking rep. Needless to say it was annoying. Finally when I got to the online banking rep, I was so ready to cancel my application. But the rep told me that if I "close within 6 months there is a $25 fee!" Gotcha! "OK, then, please tell me my routing number and account number so that I can set up the direct deposit," I said. But the rep informed me that they don't give account number over the phone and I have to wait for their form to arrive. Although I was able to log in through my credit card account to see the checking account, the webpage only shows last 4 digits of the account number. So I have to wait for the letter now.

By the way if you want this $125 deal, go to the post office and get the change of address package thingy. It has the Chase coupon inside. I notice those coupon codes are unique.

I am looking at their Account Disclousures and it mentioned that the Closing Fee applies if account is closed in 90 days. The rep told me 6 months. Hmm...

If you don't have direct deposit, you can do 5 debit card transactions also.

By the way, for my coupon code, the 5 debit card purchase doesn't work. I had to do direct deposit.

Follow-up: since the rep would not give me the account number over the phone, and they insisted that I MUST wait for the form in the mail. The form came VERY LATE in the mail, and by the time I submitted it to payroll, the direct deposit will miss the Chase's deadline by 2 days. Payroll already told me that there is no way for them to make it earlier (it takes 2 pay period for the change to go through). I contacted Chase and asked them if they can extend the deadline for 2 more days, and explained my situation, and their answer has been "NO." Then they said "the form is available to be downloaded on the internet." First, when I called them, they didn't mention "form is available to be downloaded" at all, and their rep insisted I must wait for the form in the mail. And when I log in, it doesn't show complete account number. There is no way I could get the direct deposit going since they won't give me my account number!!!

Compare to Chase, Capital One rocks!!!