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. The process takes about 10 minutes, and you can start using your account the same day in most cases. You will need a Social Security number, a valid government ID, a current address, and a funding source — either a debit card or an external bank account to transfer money from.

Not every account type is available online. Chase business accounts, certain specialty products, and accounts for people under 18 typically require a branch visit or a phone call. But for standard personal checking and savings accounts, the online path is the default option.

Key Takeaways

  • Chase personal checking and savings accounts open online in about 10 minutes using your Social Security number, government ID, current address, and a funding source.
  • You need either a debit card or access to another bank account to fund your new Chase account during the sign-up process.
  • Your account is usually active the same day, though some verification steps may take up to one business day.
  • Business accounts, accounts for minors, and certain specialty products require you to visit a branch or call Chase directly.

What you need before you start

Gather these items before opening your browser: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, your current mailing address, and proof that you can fund the account. For funding, Chase accepts either a debit card from another bank or login credentials for an external checking account.

If you do not have a debit card or another bank account, you will need to visit a Chase branch in person or call 1-800-935-9935 to open an account by phone. Some branches also offer same-day funding if you bring cash or a check.

The online account opening process, step by step

Go to chase.com and select the account type you want — checking, savings, or both. Chase will ask you to enter your personal information: name, date of birth, Social Security number, current address, phone number, and email. This takes about three minutes.

Next, Chase verifies your identity using information from credit bureaus and public records. This is when ready in most cases. If Chase cannot verify you automatically, you may be asked to upload a photo of your ID or answer security questions based on your financial history.

Then you fund the account. Enter your debit card number or your external bank account details. Chase requires a minimum opening deposit — this varies by account type but is typically $0 for checking and $0 for savings, though some premium accounts have higher minimums. The deposit posts when ready if you use a debit card, or within one to two business days if you link another bank account.

Finally, you review the account terms, set up a PIN and online password, and confirm your email address. Your account number appears on screen, and you can log in to chase.com or the Chase mobile app right away.

When your account is ready to use

Your account is active for online and mobile banking the same day you open it. You can transfer money, pay bills, and set up direct deposit when ready. However, your debit card arrives by mail in 7 to 10 business days, so you cannot use it in stores or at ATMs until it arrives.

If you need cash before your card arrives, you can withdraw from any Chase ATM using your online login and a temporary digital wallet option, or visit a Chase branch with your ID to withdraw cash over the counter. Some branches can issue a temporary card on the spot.

Accounts you cannot open online

Chase business accounts — including sole proprietor, LLC, and corporation accounts — require a branch visit or a phone call to a business banker. You will need your business tax ID, articles of incorporation or formation, and a government ID for each owner or authorized signer.

Accounts for people under 18 must be opened with a parent or guardian present, either in person at a branch or by phone with a banker. Chase also does not open certain specialty accounts online, such as some investment or trust accounts. If you are unsure whether your account type is available online, call 1-800-935-9935 before you start.

What happens if verification fails

If Chase cannot verify your identity automatically, you will see a message during sign-up asking you to upload a photo of your ID or provide additional information. Take a clear photo of the front and back of your ID, and upload it through the Chase website. This usually takes one business day to review.

In rare cases, Chase may ask you to visit a branch in person with your original ID to complete verification. This is more common if you have a thin credit history, a recent address change, or if your name does not match records exactly. If this happens, Chase will tell you which branch to visit and what to bring.

Funding your account after it opens

You can add money to your new Chase account in several ways after opening it. Link another bank account and transfer money — this takes one to three business days. Deposit a check using the Chase mobile app — the bank credits most checks within one business day. Visit a Chase ATM and deposit cash. Or visit a Chase branch and deposit cash or a check over the counter.

If you set up direct deposit during sign-up, your employer can start sending paychecks to your new Chase account. Direct deposit usually begins within one to two pay cycles.

Frequently Asked Questions

Do I need to have another bank account to open a Chase account online?

No. You can fund your account with a debit card from any bank. If you have neither a debit card nor another bank account, you will need to visit a Chase branch with cash or a check, or call 1-800-935-9935 to open by phone.

How long does it take to receive my debit card?

Chase mails debit cards within 7 to 10 business days of account opening. You can use your account for online transfers and bill pay when ready, and you can withdraw cash from Chase ATMs using your online login before the card arrives.

Can I open a joint account online with Chase?

Yes. During sign-up, you can add a co-owner. Both people will need to provide their Social Security number, government ID, and current address. Both owners can log in and manage the account once it opens.

What if I do not pass the identity verification?

Chase will ask you to upload a photo of your ID or provide additional information. If you still cannot be verified online, you will need to visit a Chase branch with your original ID or call a banker at 1-800-935-9935 to complete the process by phone.

Can I open a business account online?

No. Chase business accounts require a visit to a branch or a call to a business banker. You will need your business tax ID, articles of incorporation or formation, and government IDs for all owners and authorized signers.