Yes, you can open a Chase savings account entirely online
Chase lets you open most of their savings accounts through their website or mobile app without visiting a branch. The process takes about 10 to 15 minutes, and you can do it from home on a computer or phone. You will 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 transfer from an existing Chase account.
Not every Chase savings product is available online. Some specialty accounts or accounts tied to investment services require a branch visit or a phone call. But the main savings accounts — Chase Savings, Chase Premier Savings, and Chase Sapphire Savings — can all be opened online.
Key Takeaways
- Chase savings accounts open online in about 10 to 15 minutes using their website or mobile app.
- You will need a valid ID, Social Security number, and a way to fund the account on the day you open it.
- Chase will ask you to verify your identity by answering security questions or confirming recent transactions on a linked account.
- Your account becomes active when ready after approval, though transfers from outside banks can take one to three business days to arrive.
- If you already have a Chase checking account, opening a savings account online is faster because Chase already has your information on file.
What you need before you start
Gather these items before you begin the online process. You will need a valid government-issued ID — a driver's license, passport, or state ID card. Chase will ask you to enter the number and expiration date. You will also need your Social Security number, which Chase uses to check your identity and pull your credit report.
Have a way to fund the account ready. This can be a debit card from another bank, a checking account at another bank (you will provide the routing and account numbers), or an existing Chase account. Chase does not require a minimum opening deposit for most savings accounts, but you do need to make at least one deposit to set up the account. Many people deposit $1 to $25 to get your free guide.
If you are opening an account on a mobile phone, make sure you have a strong internet connection. The app will ask you to take a photo of your ID, so good lighting helps.
The step-by-step process on Chase's website
Go to Chase.com and look for the "Open an account" or "Savings accounts" link, usually near the top of the page. Click on the savings account type you want — Chase Savings, Chase Premier Savings, or Chase Sapphire Savings each have different interest rates and monthly fees. Read the details for each one, then click "Open now" or "get your free guide."
Chase will ask you to enter your personal information: full name, date of birth, address, phone number, email, and Social Security number. Then you will enter your ID information — the type of ID, the number, and the expiration date. Be exact; mismatches will slow down approval.
Next, Chase will ask you to verify your identity. This usually means answering security questions about your financial history — things like "Which of these addresses have you lived at?" or "Which bank did you have an account with in 2019?" If you already have a Chase account, Chase may instead ask you to confirm recent transactions or log in to verify yourself.
After verification, you will choose how to fund the account. If you are using a debit card, enter the card number and expiration date. If you are transferring from another bank account, enter the routing number and account number. If you are transferring from an existing Chase account, select it from a dropdown menu. Then enter the amount you want to deposit — even $1 counts.
Review the account agreement and disclosures, check the box to confirm you agree, and submit. You should see a confirmation screen when ready, and Chase will send a confirmation email within minutes.
How long until your account is active
Your savings account is usually active within minutes of approval. You can log in and see your account number right away. However, the money you deposited may not show up when ready.
If you funded the account with a debit card, the charge appears on your card within one to two business days, and the deposit shows in your Chase account within the same timeframe. If you transferred from another bank account, the transfer takes one to three business days — this is a standard banking rule, not a Chase delay. If you transferred from an existing Chase account, the money moves when ready.
You can start using your savings account as soon as it is active, even if the deposit is still in transit. You can set up automatic transfers, link it to bill pay, or move money between your Chase accounts right away.
What happens if Chase needs more information
Sometimes Chase's automated verification system cannot confirm your identity from the information you provided. This is common if you have recently moved, changed your name, or have a thin credit history. Chase will send you an email or call you to ask for additional documents.
They may ask for a utility bill, lease, or mortgage statement to confirm your address. They may ask you to upload a photo of your ID. They may ask you to call a verification line and answer questions. This process usually takes one to three business days, and Chase will tell you exactly what they need and how to send it.
Until Chase verifies your information, your account will be open but you may not be able to withdraw money or use certain features. Once they confirm everything, those restrictions lift automatically.
Opening a savings account if you already bank with Chase
If you already have a Chase checking account or another Chase product, opening a savings account online is faster. Chase already has your ID, Social Security number, and address on file, so the verification step is usually skipped or shortened.
Log into your existing Chase account, look for "Open another account" or "Add a savings account," and follow the same steps. You can often fund the new savings account by transferring from your existing Chase checking account, which happens when ready. The whole process may take only five to ten minutes.
Frequently Asked Questions
Can I open a Chase savings account if I do not have a checking account with them?
Yes. You do not need an existing Chase account to open a savings account online. You will just need to fund it with a debit card from another bank or by transferring from another bank account. The process takes the same amount of time.
What if I do not have a government ID?
Chase requires a valid government-issued ID to open an account online. If you do not have one, you will need to visit a Chase branch in person with alternative documents — a passport card, tribal ID, or military ID may work. Call your local branch first to ask what they accept.
Can I open a savings account on the Chase mobile app instead of the website?
Yes. The Chase mobile app has the same account-opening process as the website. You will need to take a photo of your ID with your phone's camera, so make sure you have good lighting. The app may be faster on a phone because it can read your ID automatically.
What if my online process is denied?
Chase rarely denies savings account applications. If yours is, Chase will tell you why — usually because they could not verify your identity or because of a ChexSystems report (a banking history check). You can visit a branch to open an account in person, or call Chase to ask what went wrong and whether you can reapply.
Do I have to keep a minimum balance in a Chase savings account?
Minimum balance requirements vary by account type. Chase Savings has no minimum. Chase Premier Savings and Chase Sapphire Savings have minimums — check the account details before you open to see what applies to the account you chose.