Yes, you can open most Chase accounts online, but the process and what happens next depends on the account type

Chase allows you to open checking and savings accounts entirely online through their website or mobile app. You will need a valid government ID, a Social Security number, and a way to fund the account (a debit card, another bank account, or a wire transfer). The whole process takes about 10 minutes, and your account number arrives when ready so you can start using it right away.

Some account types — particularly business accounts, certain investment products, and accounts that require a credit decision — still require a phone call or an in-person visit. If you are opening a basic personal checking or savings account, online is the standard path. If you hit a step that asks you to call or visit a branch, that is a signal that your specific situation needs human review.

Key Takeaways

  • Chase checking and savings accounts open online in about 10 minutes with an ID, Social Security number, and a funding method.
  • Your account number and routing number are available when ready after opening, so you can set up direct deposit or transfers the same day.
  • Business accounts, credit products, and some specialty accounts require a phone call or branch visit and cannot be opened online.
  • If you already have a Chase account, opening a second one online is faster because Chase already has your identity information on file.
  • The online process works on both desktop and mobile, though the mobile app sometimes moves faster through the verification steps.

What you need to have ready before you start

Gather these items before you open the online process: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and your current address. Chase will verify your identity against public records, so the address you provide should match what is on file with the Social Security Administration or your state.

You will also need a way to fund the account. Chase accepts transfers from another bank account (you will provide the routing and account number), a debit card from another bank, or a wire transfer. You do not have to fund it when ready — you can open the account and add money later, though some account types have minimum opening deposits. Check the specific account details before you start to see whether a deposit is required.

If you are explore for a checking account that comes with overdraft protection or a linked savings account, Chase may run a soft credit check. This does not affect your credit score. If you are opening a credit product like a Chase credit card at the same time, a hard inquiry will appear on your credit report.

The actual steps to open an account online

Go to chase.com or open the Chase mobile app and select "Open an account." Choose the account type you want — checking, savings, or both. You will be asked whether you are an existing Chase customer; this determines which verification path you take.

Enter your personal information: full name, date of birth, Social Security number, and current address. Chase will verify this against their records and public databases. If everything matches, you move forward. If there is a mismatch, you may be asked to call or visit a branch to verify your identity in person.

Next, you choose your account features — overdraft protection, linked savings, debit card design — and review the account terms. Then you fund the account. Enter the routing and account number of the bank you are transferring from, or provide a debit card number. Chase will either pull a small test deposit or charge a small amount to verify the account is real and in your name.

Review the disclosures, agree to the terms, and submit. Your account opens when ready. You will receive a confirmation email with your account number, routing number, and online banking login. Your debit card ships separately and arrives in 7 to 10 business days.

When the online process stops and you need to call or visit

If Chase cannot verify your identity through their automated system, the process will pause and direct you to call 1-800-935-9935 or visit a local branch. This happens most often when you have a common name, a recent address change, or a gap in your credit history. It is not a rejection — it is a verification step that requires a person to confirm you are who you say you are.

Business accounts cannot be opened online. You will need to call Chase business banking or visit a branch with your business license, EIN, and personal ID. The same applies to accounts for trusts, estates, or non-profit organizations.

If you are opening a Chase credit card or investment account at the same time as a bank account, the credit card process may require additional review. Chase will tell you during the process whether you need to complete that part over the phone.

What happens when ready after your account opens

Your account number and routing number appear on screen as soon as the process is approved. You can use these when ready to set up direct deposit, receive wire transfers, or link the account to other banks. You do not have to wait for your debit card to arrive.

Your online banking login is active right away. You can log in to chase.com or the mobile app, see your account balance, set up bill pay, and transfer money between accounts. You can also set up alerts for low balances, large transactions, or suspicious activity.

Your physical debit card ships within 1 to 2 business days and typically arrives in 7 to 10 business days. Until it arrives, you can use your account number to make online purchases or set up automatic payments. Some Chase branches will issue a temporary debit card on the spot if you visit in person, but this is not necessary for most people.

Differences between opening your first Chase account and opening a second one

If you already have a Chase account, opening another one online is faster. Chase already has your identity verified, so the process skips several verification steps. You will still provide your Social Security number and confirm your address, but the process usually takes 5 minutes instead of 10.

Existing customers can also open accounts through the Chase mobile app by tapping "Open an account" in the menu. The mobile path is sometimes faster because it pulls your information from your existing login.

If you are opening a second account of the same type (two checking accounts, for example), Chase may ask why. This is a standard fraud check. Be straightforward — "I want a separate account for my business" or "I want to keep my savings separate" — and the process will move forward.

What to do if your process is denied or stuck

If Chase denies your process, you will receive an email explaining the reason. Common reasons include identity verification failure, a ChexSystems report (a banking history report similar to a credit report), or a match against a fraud or sanctions list. You cannot open an account online if you are denied, but you can call 1-800-935-9935 to discuss the reason and ask whether an in-person visit might resolve it.

If your process is stuck — you submitted it but have not heard back in 24 hours — call the same number. Sometimes applications pause for manual review, and a phone call can move it forward. Have your Social Security number and the email address you used to explore ready when you call.

If you were denied because of a ChexSystems report, you have the right to see what is in that report. You can request it from ChexSystems directly at chexsystems.com. If there is an error, you can dispute it, and Chase may reconsider your process once the error is corrected.

Frequently Asked Questions

How long does it take to open a Chase account online?

The process itself takes 10 to 15 minutes. Your account opens when ready after you submit it, and your account number is available right away. Your debit card arrives in 7 to 10 business days, but you do not need it to use the account.

Do I have to go to a branch to open a Chase account?

No, not for a personal checking or savings account. You can open it entirely online. If Chase cannot verify your identity automatically, they will ask you to call or visit, but most people complete the process online without leaving home.

Can I open a Chase account if I do not have a Social Security number?

No. Chase requires a Social Security number for all personal accounts. If you have an ITIN (Individual Taxpayer Identification Number) instead, you will need to visit a branch or call to discuss your options.

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 can visit a branch with alternative documents like a passport, state ID, or military ID. Call 1-800-935-9935 to ask what documents your local branch will accept.

Can I open a joint account online with Chase?

Yes. During the online process, you will be asked whether you want the account in your name only or as a joint account. If you choose joint, you will provide the co-owner's name, date of birth, and Social Security number. Both owners will need to verify their identity, which may require a phone call if the second person is not already a Chase customer.