The basic answer: most people can, but Chase has specific requirements

You can open a Chase bank account if you meet their core requirements: you must be at least 18 years old, have a valid government-issued photo ID, and provide a Social Security number or Individual Taxpayer Identification Number (ITIN). Chase will also check ChexSystems, a banking history database, to see if you've had problems at other banks — but a negative history doesn't automatically disqualify you.

The catch is that Chase's requirements vary slightly by account type and by state. A basic checking account has different rules than a savings account or a money market account. And if you're opening an account online versus in a branch, the process and what they ask for can differ.

If you don't have a Social Security number or ITIN, or if you're under 18, you have other options at Chase — but they work differently, and you should know what to expect before you walk in or log on.

Key Takeaways

  • Chase requires you to be 18 or older, have a valid photo ID, and provide a Social Security number or ITIN to open most accounts.
  • Chase checks ChexSystems to review your banking history, but a previous problem at another bank does not automatically prevent you from opening an account.
  • If you don't have a Social Security number, you may still open an account with an ITIN, though some account types may not be available.
  • Minors under 18 can open accounts at Chase, but only as a joint account with a parent or guardian who is also a Chase customer.
  • You'll need to bring or verify your ID and provide your tax ID number, whether you open the account online, by phone, or in a branch.

What Chase checks before opening your account

When you explore, Chase pulls your information through ChexSystems, a system that tracks how you've managed bank accounts at other institutions. ChexSystems records things like overdrafts you didn't pay back, accounts you closed with a negative balance, or fraud reports. This is not the same as a credit check — it's about your history as a bank customer, not your credit score.

If ChexSystems shows a problem, Chase may still open your account. They review each situation individually. Some people with ChexSystems records open Chase accounts without issue; others are asked to wait a certain period before reapplying, or offered a different account type. The only way to know for certain is to try, or to contact Chase directly before you explore.

Chase also verifies your identity using the information you provide. They'll confirm your ID is real, that your name matches, and that you're not on any government watch lists. This is a federal requirement for all banks, not a Chase-specific rule.

Opening an account without a Social Security number

If you have an ITIN — an Individual Taxpayer Identification Number issued by the IRS — you can open a Chase account. An ITIN is a nine-digit number the IRS assigns to people who need to file taxes but don't have a Social Security number. This includes some immigrants, visa holders, and others.

The process is the same as with a Social Security number: you provide your ITIN when you explore, and Chase verifies it. However, some account features may be limited. For example, you may not be able to open certain investment or credit products. Call your local Chase branch or visit Chase.com to ask which account types are available with an ITIN in your situation.

If you don't have either a Social Security number or an ITIN, you cannot open a personal account at Chase. You would need to explore other banks or credit unions in your area that may have different rules.

If you're under 18

Chase does not open accounts for minors in their own name. Instead, you can open a joint account with a parent or legal guardian who is already a Chase customer. The parent or guardian's name appears on the account alongside yours, and they have full access to the account and can see all transactions.

The parent or guardian must be present when the account opens — either in person at a branch or, in some cases, verified online. You'll both need to provide ID and sign the account paperwork. Chase offers accounts specifically designed for young people, sometimes called teen checking or youth accounts, which come with features like spending limits or parental controls.

Once you turn 18, you can convert the joint account to an account in your name alone, or open a separate account. Ask Chase about the conversion process when you open the joint account, since the steps vary by location.

What documents to bring or have ready

If you're opening an account in a Chase branch, bring your government-issued photo ID (a driver's license, passport, or state ID card) and know your Social Security number or ITIN. That's the minimum. Chase may also ask for a second form of ID or proof of your current address, such as a recent utility bill or lease, though this is not always required.

If you're opening online, you'll upload a photo of your ID and enter your information directly. Chase will verify your identity electronically. The process usually takes a few minutes, though Chase may contact you by phone or email if they need to confirm something.

If you're opening a joint account as a minor, both you and your parent or guardian need to bring ID. If the parent or guardian is not a Chase customer yet, they'll need to open their own account first, or at the same time.

What happens if Chase denies your account

If Chase declines to open an account for you, they will tell you why — usually in writing if you applied online, or in person if you applied at a branch. Common reasons include a ChexSystems record, an unresolved issue at another bank, or a problem verifying your identity.

If the reason is a ChexSystems record, you have the right to request a copy of your ChexSystems report for free. You can do this through ChexSystems' website or by calling them. If there's an error on the report, you can dispute it. Fixing an error may help you open an account at Chase or another bank in the future.

If Chase denies you, you're not locked out of banking. Credit unions, community banks, and online banks often have different standards. Some specialize in second-chance banking for people with ChexSystems records. Research banks and credit unions in your area to see what they offer.

Opening an account online versus in a branch

Chase lets you open most checking and savings accounts online through their website or mobile app. The online process is faster — usually 5 to 10 minutes — and you can do it anytime. You'll upload a photo of your ID, enter your information, and verify your identity. The account typically opens the same day or within one business day.

Opening in a branch takes longer but gives you a chance to ask questions and get help on the spot. A banker can walk you through your options, explain fees, and answer questions about features. If you're not comfortable with technology or want to understand the account before committing, a branch visit may be worth the time.

Both routes require the same documents and information. The main difference is speed and the level of personal help you get. Choose whichever fits your situation better.

Frequently Asked Questions

Do I need a credit card to open a Chase checking account?

No. A checking account and a credit card are separate products. You can open a checking account without ever opening a credit card. Chase will not require you to have one or the other.

What if I have a bad ChexSystems record from years ago?

Chase reviews each case individually, so a record from years ago does not automatically disqualify you. The older the record, the less weight it usually carries. Contact Chase directly or visit a branch to ask whether you can open an account now. If they decline, ask them to explain why and what you can do next.

Can I open a Chase account if I'm not a U.S. citizen?

Yes, if you have a valid government-issued photo ID and either a Social Security number or an ITIN. Citizenship is not a requirement. Many non-citizens open Chase accounts using an ITIN or a visa-holder ID.

How long does it take to open an account?

Online accounts usually open within minutes to one business day. In-branch accounts can open the same day, though it may take 24 hours for the account to be fully active. Once it's open, you can deposit money and start using it right away.

What if I don't have a photo ID?

Chase requires a government-issued photo ID. If you don't have one, you'll need to get one first — a driver's license, state ID card, or passport. Without one, you cannot open an account at Chase or most other banks.