Yes, you can open most Chase accounts online, but some types still need a branch or phone call

Chase lets you open a checking or savings account entirely online through their website or mobile app. You will need a valid government ID, a Social Security number, and an initial deposit (which varies by account type). The process takes about 10 minutes, and your account opens the same day in most cases.

Not every Chase account type works this way. Business accounts, certain investment accounts, and some specialty products require you to visit a branch or speak with a banker by phone. If you already have a Chase account, opening a second one online is usually faster because the system already has your information on file.

Key Takeaways

  • Chase checking and savings accounts open online in about 10 minutes using your ID, Social Security number, and an initial deposit.
  • Your account number and debit card arrive within one to two business days; you can use your account when ready through the app while you wait for the physical card.
  • Business accounts, money market accounts, and some specialty products require a phone call or branch visit to open.
  • If you do not have an ID or Social Security number, you will need to visit a branch in person.

What you need to open an account online

Have a valid government-issued ID ready—a driver's license, passport, or state ID card. Chase will ask you to verify your identity by uploading a photo of it or by answering security questions based on your credit history. You will also need your Social Security number and a way to make an initial deposit.

The minimum opening deposit depends on the account. Chase checking accounts typically require $0 to $25 depending on the specific product. Savings accounts usually start at $0. If you do not have funds available right now, you can link an external bank account and transfer money after you open the account, though some account types require the deposit before opening.

The online account opening process, step by step

Go to chase.com or open the Chase mobile app and select "Open an Account." Choose the account type you want—checking, savings, or money market. Enter your personal information: name, address, date of birth, phone number, and Social Security number. Chase will ask you to verify your identity, usually by uploading a photo of your ID or answering questions about your credit history.

Next, review the account terms and set up your initial deposit. You can transfer money from another bank account, use a debit card, or deposit a check through the app if you already have a Chase account. Once you submit, Chase reviews your information—this usually takes a few minutes to a few hours. You will receive confirmation by email and can start using your account through the app when ready.

Your physical debit card arrives in one to two business days. If you need cash before then, you can withdraw from any Chase ATM using your temporary digital card number in the app, or visit a branch with your ID to withdraw cash.

Account types you cannot open online

Chase business checking and savings accounts require a phone call or branch visit. You will need to speak with a business banker who can verify your business structure, tax ID, and ownership details. Call 1-800-935-9935 for business accounts, or visit your nearest Chase branch.

Money market accounts and some specialty savings products (like CDs with specific terms) also require a banker conversation. If you want to open a joint account with another person, you can start the process online, but both account holders must verify their identity—the second person may need to visit a branch or complete verification through the app depending on their situation.

What happens if you do not have an ID or Social Security number

You cannot open a Chase account online without both. If you do not have a Social Security number, you may be able to use an Individual Taxpayer Identification Number (ITIN) instead—call Chase at 1-800-935-9935 to ask whether your ITIN will work for the account type you want.

If you do not have a government ID, you will need to visit a Chase branch in person. Bring your ITIN or Social Security number, proof of address (a utility bill or lease), and any other ID you have. A banker can open your account at the branch and issue a debit card on the spot.

How long it takes and when you can use your account

Account approval usually takes a few minutes to a few hours after you submit your process online. You receive an email confirmation with your account number and routing number. You can use your account when ready through the Chase app to transfer money, set up bill pay, or check your balance.

Your physical debit card ships within one to two business days. If you need to withdraw cash before it arrives, use the temporary digital card number in the app at any Chase ATM, or visit a branch with your ID and ask for a cash withdrawal from your new account.

What to do if your online process is denied or delayed

Chase may deny your process if there are issues with your identity verification, a problem with your credit history, or a match in their fraud or sanctions screening. If this happens, you will receive an email explaining the reason. Some denials are final, but others can be resolved by calling Chase at 1-800-935-9935 and speaking with a representative.

If your process is delayed beyond a few hours, it usually means Chase needs more information. Check your email for a request to re-verify your identity or provide additional documents. Respond as quickly as you can—delays of more than 24 hours are uncommon but can happen if there is a discrepancy in your information.

Frequently Asked Questions

Can I open a Chase account online if I have bad credit?

Chase does not use your credit score to decide whether to open a checking or savings account. They screen for fraud, unpaid debts to banks, and other risk factors, but a low credit score alone will not disqualify you. If you were denied, the reason will be in the email Chase sends you.

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 an account, the process is slightly faster because Chase already has your identity verified, but both paths work.

Can I open a joint account online with someone else?

You can start the process online, but both account holders need to verify their identity. The second person can usually do this through the app or by visiting a branch. Ask Chase during the process which method works for your situation.

What if I want to open an account but do not want to use the app?

You can open an account through chase.com on a computer instead. You will still need to verify your identity and make an initial deposit, but you do not have to read the mobile app. You can manage your account online or visit a branch.

How do I know if my account is fully open?

You will receive an email confirmation with your account number and routing number. You can log into your Chase account online or through the app and see your balance. Your account is ready to use when ready, even if your physical debit card has not arrived yet.