Yes, you can open most Chase accounts online from start to finish

Chase lets you open a checking or savings account entirely online without visiting a branch. You'll need a valid government ID, a Social Security number or Individual Taxpayer Identification Number (ITIN), and a way to verify your identity — usually a phone number or email address on file with the credit bureaus. The whole process takes about 10 to 15 minutes, and your account can be ready to use the same day.

Not every Chase account type is available online. Most everyday checking and savings products are, but some specialty accounts — like those for businesses, trusts, or non-profit organizations — require you to start the process online and finish it at a branch or by phone with a banker. Chase's website will tell you which accounts you can complete online before you begin.

Key Takeaways

  • You can open a Chase checking or savings account online using your ID, Social Security number, and a phone or email address for identity verification.
  • The online process takes 10 to 15 minutes and your account may be ready to use the same day, though some accounts take one to two business days.
  • Business accounts, trust accounts, and some specialty products must be opened at a branch or completed with a banker over the phone.
  • Chase will ask you to link a bank account for your first deposit, or you can deposit money in person at a branch or ATM after your account opens.

What you need before you start

Gather these items before you go to Chase's website to open an account. You'll need a valid government-issued photo ID — a driver's license, passport, or state ID card. You'll also need your Social Security number or ITIN. If you don't have either, you cannot open an account online; you'll need to visit a branch in person.

Have a phone number and email address ready. Chase uses these to verify your identity by sending you a code or link to confirm it's really you. The phone number and email should be ones you can access right away, because you'll need to respond to the verification message while you're still on the Chase website.

If you want to fund your account right away, have the routing and account number from another bank account ready. Chase can transfer money from that account to your new Chase account during the signup process. If you don't have another bank account or prefer not to link one, you can deposit money later at a Chase branch, ATM, or through mobile deposit once your account is open.

The step-by-step process

Start at Chase.com and look for the "Open an Account" button, usually near the top of the page. Select the type of account you want — checking, savings, or money market. Chase will show you which accounts are available to open online in your state, because some products vary by location.

Enter your personal information: name, date of birth, address, phone number, and email. Chase will ask for your Social Security number or ITIN. Then you'll upload or take a photo of your government ID. The website will guide you through this — you may need to photograph the front and back of your ID, or upload an image file if you have one saved.

Next, Chase sends a verification code to your phone or email. Enter that code on the website to confirm your identity. After that, you'll review the account terms, set up a username and password for online banking, and choose a PIN for ATM use. If you want to fund the account when ready, you can link another bank account and authorize a transfer. If not, you can skip this step and deposit money later.

Once you submit everything, Chase reviews your information — this usually takes a few minutes to a few hours. You'll get a confirmation email with your account number and routing number. Some accounts are ready to use when ready; others take one to two business days before you can make transfers or withdrawals.

What happens if Chase cannot verify your identity online

If Chase's automated system cannot verify you through the information on file with the credit bureaus, you'll be asked to visit a branch in person or call Chase to complete the account opening with a banker. This happens occasionally and doesn't mean you've done anything wrong — it just means Chase needs to see your ID in person or speak with you directly.

You can also contact Chase proactively if the online process isn't working for you. Call the number on the back of any Chase card, or visit a local branch. A banker can walk you through opening an account over the phone or in person, and this route often takes longer but is more straightforward if you have questions or unusual circumstances.

Funding your new account

If you linked another bank account during signup, Chase will transfer the money you authorized. That transfer usually takes one to three business days to appear in your new Chase account. Until it arrives, you can still use your Chase debit card at Chase ATMs to withdraw cash if you deposited money in person.

If you didn't link an account during signup, you have several options. You can visit a Chase branch or ATM and deposit cash or a check. You can also use mobile deposit through the Chase app — photograph the front and back of a check, and Chase deposits it electronically. Some employers let you set up direct deposit to your new Chase account; ask your payroll department for the routing and account number from your confirmation email.

Accounts you cannot open online

Chase business checking and savings accounts must be opened at a branch or with a banker over the phone. The same is true for accounts held in trust, accounts for non-profit organizations, and accounts for sole proprietorships that need an Employer Identification Number (EIN). If you need one of these account types, start by visiting a local Chase branch or calling to speak with a business banker.

Some specialty products — like Chase Private Client accounts or accounts linked to investment services — also require a conversation with a banker. Chase's website will tell you which accounts are available online before you begin the process, so you'll know right away whether you need to take a different route.

What to do if something goes wrong

If you get stuck during the online process, you can close your browser and start over — Chase saves your progress, so you won't lose the information you've already entered. If the same problem happens again, contact Chase directly. Call the number on the back of any existing Chase card, or visit a branch. A banker can troubleshoot the issue or open your account over the phone.

If your account doesn't appear in your online banking login after a few hours, wait until the next business day — some accounts take longer to set up. If it still hasn't appeared after two business days, contact Chase. Keep your confirmation email handy; it has your account number and the information you'll need to reference when you call.

Frequently Asked Questions

Do I need an existing Chase account to open a new one online?

No. You can open your first Chase account online if you have a valid ID and Social Security number or ITIN. Chase doesn't require you to be an existing customer.

Can I open a joint account online?

Chase lets you start a joint account online, but both account holders must verify their identity during the process. The second person will need to enter their own information and receive their own verification code. Some joint accounts may require a final step at a branch, depending on your state.

What if I don't have a Social Security number?

You can use an Individual Taxpayer Identification Number (ITIN) instead. If you have neither, you'll need to visit a Chase branch in person. Bring your passport or other government ID and ask a banker about opening an account.

How long does it take to receive my debit card?

Chase usually mails your debit card within 7 to 10 business days of account opening. You can use your account for transfers and bill pay before the card arrives. Some branches let you pick up a temporary card in person right after opening your account.

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

Yes, if you have a valid government ID and an ITIN or Social Security number. Non-citizens can open accounts online the same way citizens do. Bring your passport or state ID to a branch if you prefer to open an account in person.