Even though some of the these banks may be physically based in certain parts of the country, offers may be nationwide, as most require online applications. This deal is not available to current Chase checking customers, those who have closed their accounts within 90 days, closed with a negative balance, or have fiduciary accounts. Trending Articles. One way is to link savings and checking accounts to meet the required balance. But consumers should be aware of the costs associated with closing and moving accounts.