You cannot open a Chase savings account entirely over the phone
Chase requires you to complete at least part of the account opening process online or in person at a branch. You can start the conversation by phone — a Chase representative can answer questions about savings account types and walk you through what you'll need — but you will have to finish the process yourself using Chase's website or mobile app, or visit a branch in person.
The reason is verification. Chase needs to confirm your identity and check your banking history using systems that require your direct input. A phone representative cannot do this for you; they can only guide you toward the right next step.
Key Takeaways
- Chase phone representatives can answer questions about savings accounts and tell you what documents to gather, but cannot complete the full account opening for you.
- You must finish the account opening on Chase's website, through the mobile app, or in person at a branch.
- The online process takes about 10 to 15 minutes and requires a valid ID, Social Security number, and initial deposit information.
- If you do not have internet access or prefer in-person service, visiting a Chase branch is the fastest alternative to the online route.
What you can do on the phone with Chase
Call Chase at 1-800-935-9935 (the number for new accounts) and a representative can tell you about the different savings account types Chase offers, explain the current interest rate, and describe any monthly fees. They can also confirm what documents and information you will need before you start the online process.
If you have questions about your credit history, your banking record, or whether you might have trouble opening an account, the phone representative can sometimes give you a sense of what to expect — though they cannot make a final decision until you submit your full process. Some people call first to ask these questions before investing time in the online process.
How to open the account online after your phone call
After you hang up, go to chase.com and look for the "Open an Account" or "New Accounts" section. You will create a username and password, then enter your personal information: full name, date of birth, Social Security number, address, and phone number. Chase will ask whether you want a checking account, savings account, or both.
Next, you will need to verify your identity. Chase does this by asking questions about your credit history — things only you would know, like previous addresses or loan amounts. This takes a few minutes. After that, you choose your initial deposit method (debit card, bank transfer, or check) and set up online banking access.
The entire process usually takes 10 to 15 minutes on a computer or phone. Once you submit, Chase reviews your process — this can take anywhere from a few minutes to a few business days. You will receive a confirmation email with your new account number and instructions for accessing your account online.
Opening an account in person at a Chase branch
If you do not have reliable internet access or prefer to work with someone face-to-face, you can walk into any Chase branch with a valid ID and Social Security number. Bring a recent utility bill or lease to confirm your address. A branch representative will complete the process with you, verify your identity on the spot, and you can make your initial deposit right there.
In-person opening usually takes 20 to 30 minutes. You leave with a debit card (though it may take a few days to arrive by mail) and when ready access to your account number. This is often faster than waiting for an online process to be reviewed, especially if you need to deposit cash.
What documents and information to have ready
Before you start — whether by phone, online, or in person — gather these items:
- A valid government-issued photo ID (driver's license, passport, or state ID card)
- Your Social Security number
- Your current address (a recent utility bill, lease, or mortgage statement works)
- Information about your initial deposit (debit card number, bank account for transfer, or the amount of a check you will deposit)
- Your phone number and email address
If you have had banking problems in the past — overdrafts you did not pay back, accounts closed by the bank, or fraud — Chase may ask about these. Having an explanation ready can help, though it does not may provide approval.
Why Chase might decline your process
Chase uses a system called ChexSystems to check your banking history. If you have unpaid overdrafts, a history of fraud, or multiple closed accounts, Chase may decline you. You can request a copy of your ChexSystems report for free at chexsystems.com to see what Chase sees before you explore.
If you are declined, you have the right to know why. Ask Chase for the specific reason. Some people who are declined can reapply after six months or after resolving the issue (like paying back overdrafts). Others may need to look at banks with less strict approval processes.
Frequently Asked Questions
Can I open a Chase savings account if I do not have a Social Security number?
Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN). If you have an ITIN, you can open an account, though you may need to visit a branch in person to verify it. Call 1-800-935-9935 to confirm whether your ITIN will work before you start the process.
How much money do I need to open a Chase savings account?
Chase does not require a minimum opening deposit for most savings accounts, though you do need to make some initial deposit to set up the account. This can be as little as $1 from a debit card or bank transfer. Check the current requirements on chase.com, as these can change.
What if I do not have internet access to complete the online process?
Visit a Chase branch in person. Bring your ID, Social Security number, and proof of address. A representative will complete the process with you and you can open the account on the spot without needing a computer or phone.
How long does it take to get my debit card after I open the account?
If you open online, your debit card usually arrives within 7 to 10 business days. If you open in person at a branch, you may be able to request expedited delivery or pick up a temporary card the same day. Ask the branch representative about your options.
Can I open a joint savings account with someone else over the phone?
No. Joint accounts require both account holders to verify their identity, which means both people need to be present either online at the same time or in person at a branch. Call Chase to ask about the best way to set this up with the other person.