Yes, you can open both checking and savings accounts with Chase entirely online
Chase lets you open a checking account, savings account, or both through their website or mobile app without visiting a branch. The process takes about 10 minutes. You'll need a valid government ID, a Social Security number, and a way to fund the account — either a debit card, another bank account, or a wire transfer.
The account opens when ready after you complete the process and verify your identity. You can start using it right away: set up direct deposit, transfer money in, or request a debit card. The physical card arrives in 7 to 10 business days, but you can use a temporary digital card in your Chase mobile app before then.
Key Takeaways
- You can open a Chase checking or savings account online in about 10 minutes using a valid ID and Social Security number.
- The account is active when ready after approval, and you can use a digital card in the Chase app before your physical card arrives.
- Chase requires an initial deposit to open the account, which can come from a debit card, another bank account, or a wire transfer.
- Some Chase accounts have monthly maintenance fees unless you meet balance or direct deposit requirements, so read the fee schedule before you choose.
- If you already have a Chase account, opening a second one online takes the same steps but may be faster since Chase already has your information.
What you need before you start
Gather these items before you begin the online process. You'll need a valid government-issued ID — a driver's license, passport, or state ID card. Chase will ask you to verify it during the process, either by uploading a photo or by answering security questions about your identity.
You also need your Social Security number and a current mailing address. Chase uses the Social Security number to check your banking history and verify you're not opening duplicate accounts. If you've moved recently, use your current address, not an old one.
Finally, you'll need a way to fund the account with an initial deposit. Chase requires at least $25 to open most checking and savings accounts. You can fund it with a debit card from another bank, by transferring money from another bank account, or by wire transfer. If you already have a Chase account, you can transfer money between your own accounts.
The step-by-step process on Chase's website
Go to Chase.com and click "Open an Account" in the top navigation. You'll see options for checking, savings, or both. Select the account type you want — the page shows the monthly fee, minimum balance requirements, and interest rate (for savings) for each option.
Enter your basic information: name, date of birth, email address, phone number, and mailing address. Chase will ask whether you're a U.S. citizen and whether you have an existing Chase account. If you already bank with Chase, the form will recognize you and skip some verification steps.
Next, verify your identity. Chase will either ask you to upload a photo of your ID or will ask security questions based on your credit history — questions like "Which address did you live at in 2019?" or "Which of these is a loan you've had?" Answer accurately. If Chase can't verify you this way, you may need to visit a branch or call to complete the account opening.
Choose your initial deposit method. If you're using a debit card, enter the card number and the amount you want to deposit. If you're transferring from another bank account, provide the routing number and account number. The deposit usually posts within one business day.
Opening an account through the Chase mobile app
The Chase mobile app has the same account-opening process as the website, and some people find it faster because the app can read your ID with your phone's camera instead of requiring you to upload a photo file.
read the Chase app, tap "Open an Account," and follow the same steps: select account type, enter your information, verify your identity, and choose your deposit method. The app will ask permission to access your phone's camera for ID verification. Once you're approved, you can use the digital card in your Chase wallet when ready — it appears in Apple Pay, Google Pay, or Samsung Pay depending on your phone.
If you run into problems during the app process, you can switch to the website and pick up where you left off. Chase saves your progress, so you won't have to start over.
Account types and what they cost
Chase offers several checking and savings accounts, each with different fees and requirements. The Chase Total Checking account has a $12 monthly maintenance fee unless you maintain a $500 minimum balance, set up direct deposit, or link it to another Chase account. The Chase Savings account has a $5 monthly fee with the same waiver options.
If you want to avoid monthly fees entirely, the Chase Student Checking account has no monthly fee for the first five years if you're under 24 and a student. After that, it converts to a standard checking account with fees. The Chase Premier Plus Checking account requires a higher minimum balance ($15,000) but has no monthly fee and includes additional benefits like higher interest rates and waived overdraft fees.
Read the fee schedule for the account you're considering before you open it. Chase publishes the full terms on each account's product page, including what triggers fees, how to waive them, and what happens if you fall below the minimum balance.
When your account is active and what happens next
Your account is open and usable when ready after you complete the process and Chase approves your identity. You can log into your account online or through the app right away, set up bill pay, and transfer money in or out.
Your physical debit card arrives in 7 to 10 business days. While you wait, you can use a temporary digital card in the Chase app — it has a card number, expiration date, and CVV, and works anywhere that accepts digital payments. Some ATMs also let you withdraw cash using your phone number and PIN before your physical card arrives.
If you set up direct deposit, your employer can start depositing your paycheck into the new account as soon as you provide them with your routing number and account number. Chase's routing number is 021000021 for most accounts, but confirm this on your account details page before giving it to your employer.
What to do if your process is denied or delayed
Chase may deny your process if you have a history of overdrafts or fraud, if you're listed in ChexSystems (a banking history database), or if your identity can't be verified. If this happens, Chase will send you a letter explaining the reason. You can contact Chase to ask what went wrong and whether you can reapply.
If your process is delayed — taking longer than a few hours — it usually means Chase needs more information. Check your email for a message from Chase asking for additional documents, like a utility bill to verify your address or a clearer photo of your ID. Respond to that email as soon as you can.
If you can't open an account online, you can visit a Chase branch in person. Bring your ID, Social Security number, and initial deposit. A banker can open the account on the spot and give you a temporary debit card when ready.
Frequently Asked Questions
How long does it take to open a Chase account online?
The process itself takes about 10 minutes. Your account is usually approved and active within a few hours. Your physical debit card arrives in 7 to 10 business days, but you can use a digital card in the Chase app when ready.
Can I open a Chase account if I don't have a Social Security number?
Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you don't have either, you'll need to visit a branch and speak with a banker about your options.
What if I want to open both checking and savings at the same time?
You can open both accounts in a single process. During the account selection step, choose both checking and savings, and you'll complete one process for both. They'll both be active when ready, and you can link them together for straightforward transfers.
Do I need an existing Chase account to open a new one online?
No. You can open your first Chase account entirely online. If you already have a Chase account, the process is slightly faster because Chase already has your information on file.
Can I change my account type after I open it?
Yes. You can convert a checking account to savings or vice versa through the Chase app or website, or by calling Chase. The change usually takes effect within one business day. You may also keep both accounts open if you want.