You cannot open a Chase account entirely by phone, but you can start the process and complete it online or in a branch

Chase does not allow you to finish opening a checking or savings account using only a phone call. However, you can begin the process by calling Chase at 1-800-935-9935, and a representative can answer questions and guide you toward the next step. The actual account opening happens either through Chase's website or in a physical branch, because Chase needs to verify your identity using documents they can see clearly — a photo ID and proof of your current address.

If you cannot visit a branch and do not want to use a computer, you have a limited option: some Chase branches offer video chat appointments where a representative can watch you show your documents on camera. This is not available everywhere, and you would need to schedule it in advance. For most people, the online route is faster and works from any device with internet access.

Key Takeaways

  • Chase requires you to verify your identity with a photo ID and proof of address, which means the account cannot open by phone alone.
  • You can call Chase to ask questions and learn which account type fits your needs, but you will need to complete the actual opening online or at a branch.
  • Opening an account online through Chase.com takes about 10 to 15 minutes and you can do it from home on a computer or phone.
  • If you have a Chase branch near you, walking in with your ID and address proof is often the fastest way to open an account and get a debit card the same day.

What you need before you start

Chase will ask for two pieces of information to verify who you are. The first is a government-issued photo ID — a driver's license, passport, or state ID card. The second is proof of your current address, which can be a recent utility bill, lease agreement, or bank statement with your name and address printed on it. If you do not have an address yet, some Chase branches can work with you using a temporary address or a letter from a shelter or social service agency.

You will also need to decide which type of account you want. Chase offers several checking accounts (like Chase Total Checking and Chase Sapphire Checking) and savings accounts, each with different monthly fees and minimum balance requirements. Calling before you explore lets you ask which one makes sense for your situation without pressure.

Opening an account online through Chase.com

Go to Chase.com and look for the "Open an Account" button, usually near the top of the page. You will enter your name, date of birth, phone number, and email address. Chase will then ask you to upload photos of your ID and address proof using your phone's camera or a scanner. Make sure the photos are clear and show all four corners of the document.

After you submit your documents, Chase reviews them — this usually takes a few minutes to a few hours. Once approved, you choose your account type and set a PIN for your debit card. You can start using your account right away for transfers and bill pay, though your debit card will arrive by mail in 7 to 10 business days. Some people receive a temporary digital card they can use online or in stores before the physical card arrives.

Opening an account at a Chase branch in person

Bring your photo ID and proof of address to any Chase branch during business hours. Tell the representative you want to open a new account. They will verify your documents, ask you a few questions about your banking habits, and help you choose an account type. The whole process usually takes 15 to 30 minutes.

The main advantage of opening in person is that you can walk out with a debit card the same day — Chase can issue a temporary card on the spot while your permanent card is mailed. You also have a chance to ask questions face-to-face and get help if your documents are unclear or if you have an unusual situation. If you do not have a local branch, you can find one using the Chase branch locator on their website.

Video chat appointments if you cannot visit a branch

Some Chase branches offer video appointments where you can show your documents to a representative through your phone or computer camera. This is not a nationwide service, and availability depends on your location and the branch's schedule. To learn about this is an option near you, call 1-800-935-9935 and ask whether your nearest branch offers video account opening.

If video appointments are available, you will schedule a time slot and receive a link to join the video call. Have your ID and address proof ready to hold up to the camera. The representative will guide you through the same process as an in-person visit, and you will receive your account details when ready after the call ends.

What happens after your account opens

Once your account is open, you can start using it right away. You can set up direct deposit, transfer money from another bank, or pay bills online. Your debit card will arrive by mail — Chase typically sends it within 7 to 10 business days. If you opened your account online and did not receive a temporary digital card, you can request one through the Chase mobile app to use when ready.

If you opened in person at a branch, ask the representative whether you received a temporary card. Some branches issue them on the spot; others mail them. Either way, you can use your account for online and phone transfers before your physical card arrives.

If you do not have an address or ID yet

Chase's standard process requires both a photo ID and a current address. If you are experiencing homelessness or do not have a government ID, call your local Chase branch directly and explain your situation. Some branches work with community organizations and can accept alternative documents like a letter from a shelter, a social services agency, or a trusted community member who can vouch for you.

This is not a may provide option at every branch, and policies vary by location. Calling ahead gives you a chance to find a branch that can help and to ask what documents they will accept. You might also explore whether a credit union or community bank in your area has a simpler process for people without traditional ID or address proof.

Frequently Asked Questions

Can I open a Chase account if I have had banking problems before?

Chase checks your banking history using ChexSystems, a system that tracks closed accounts and fraud. If you have unpaid overdrafts or fraud on your record, Chase may deny your process. If this happens, ask the representative what specifically caused the denial — sometimes it is a mistake that can be corrected, or the issue may have aged off your record.

Do I need a Social Security number to open a Chase account?

Yes, Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you do not have one, you will need to obtain it before you can open an account with Chase. You can explore for an ITIN through the IRS if you are not may be able to access for a Social Security number.

What if my address proof is old or does not match my ID exactly?

Chase accepts documents that are up to 90 days old. If your name appears differently on your two documents (for example, a maiden name on one and a married name on the other), bring both documents and explain the change to the representative. They can usually work with you if the discrepancy makes sense.

Can someone else open an account for me?

No. Chase requires the person whose name will be on the account to verify their own identity. A family member or friend cannot open an account in your name, even with your permission. You must be the one to provide your ID and address proof.

How long does it take to open an account online versus in person?

Online opening usually takes 10 to 15 minutes to complete, though Chase's review of your documents can take a few hours. In-person opening at a branch takes 15 to 30 minutes and is complete when ready. Video appointments typically take 20 to 30 minutes from start to finish.