Where to look for Chase account options

Chase offers checking and savings accounts through three main routes: their website, a Chase branch in person, or by phone. The easiest starting point depends on whether you already have internet access and whether you want to talk to someone while you decide.

If you go online, visit chase.com and look for a section labeled "Open an Account" or "Products" — this is usually near the top of the page. You will see the different account types listed with their features side by side, so you can compare them before committing to anything.

If you prefer to walk in, find a Chase branch near you by searching "Chase near me" in Google Maps or by using the branch locator on chase.com. A banker there can explain the accounts, answer questions about fees, and open an account on the spot if you bring the right documents.

Key Takeaways

  • Chase checking and savings accounts are found on chase.com under "Open an Account," in person at a Chase branch, or by calling 1-800-935-9935.
  • Checking accounts are for frequent deposits and withdrawals; savings accounts are meant for money you want to keep separate and grow with interest.
  • Different Chase accounts have different monthly fees, minimum balance requirements, and interest rates — comparing them before opening saves money later.
  • You will need a government ID, Social Security number, and initial deposit (amount varies by account type) to open an account in person or online.

Checking accounts versus savings accounts

A checking account is for money you use regularly — paying bills, getting paychecks deposited, writing checks, or using a debit card. Chase checking accounts come with a debit card and online banking so you can move money anytime. Most checking accounts do not earn interest on the money you keep in them.

A savings account is for money you want to set aside and not touch often. Savings accounts earn interest, which means the bank pays you a small percentage of the money you keep there. The tradeoff is that you can usually only withdraw from savings a limited number of times per month without a fee.

Many people open both at the same time — a checking account for daily spending and a savings account for emergencies or goals. Chase lets you link them together so money can move between them easily online.

What Chase checking accounts look like

Chase offers several checking accounts with different features and costs. The most common ones are Chase Total Checking, Chase Premier Plus Checking, and Chase find Checking.

Chase Total Checking is the standard option for most people. It has a monthly fee, but the fee is waived if you meet one of several conditions — for example, if you keep a certain balance, set up direct deposit, or maintain a linked savings account. You get a debit card, online banking, and the ability to write checks.

Chase Premier Plus Checking is designed for people who keep larger balances or have more complex banking needs. It has a higher monthly fee but comes with extra perks like higher interest rates and waived fees on certain services.

Chase find Checking is for people building or rebuilding credit. It requires a savings account deposit that acts as security, and it does not require a credit check to open.

What Chase savings accounts look like

Chase offers Chase Savings, Chase Premier Savings, and Chase Youth Savings. The main difference between them is the interest rate you earn and the monthly fee structure.

Chase Savings is the basic savings account. It earns interest, though the rate changes based on what the Federal Reserve does with interest rates. There is a monthly fee, but it is waived if you keep a minimum balance or link the account to a Chase checking account.

Chase Premier Savings is for people with larger balances and offers a higher interest rate. The monthly fee is higher, but it is also waived if you meet certain balance or deposit requirements.

Chase Youth Savings is for people under 18 and has no monthly fee. A parent or guardian must open it with the young person, and it teaches basic saving habits.

How to compare accounts before opening

Before you open an account, write down what matters most to you. Do you want the lowest monthly fee? The highest interest rate? The fewest restrictions on withdrawals? The most branch locations near you?

On chase.com, each account page lists the monthly fee, the conditions that waive the fee, the interest rate (called APY), and the withdrawal limits. Read these carefully — a fee that seems small can add up if you do not meet the waiver conditions.

Pay special attention to the minimum balance requirement. Some accounts waive the monthly fee only if you keep a certain amount in the account at all times. If you cannot maintain that balance, you will pay the fee every month.

Also check whether the account earns interest and how much. Even a small difference in interest rate matters over time if you keep money in savings for months or years.

What documents you need to open an account

Whether you open an account online or in person, Chase will ask for the same basic information. You will need a government-issued photo ID (a driver's license, passport, or state ID card), your Social Security number, and your date of birth.

You will also need to make an initial deposit — the amount varies by account type, so check the account details on chase.com or ask a banker. You can usually deposit by transferring money from another bank account, bringing cash or a check to a branch, or using a debit card.

If you are opening an account online, you may be asked to verify your identity by uploading a photo of your ID or answering security questions about your financial history.

Opening an account online versus in person

Opening online is faster if you already know which account you want. The whole process usually takes 10 to 15 minutes, and your account opens when ready. You can start using it the same day, though transfers from other banks may take a few business days to show up.

Opening in person at a branch takes longer — usually 30 minutes to an hour — but a banker can answer questions as you go and help you choose the right account for your situation. This is a good choice if you are new to banking or unsure what you need.

Both routes are free. Chase does not charge to open an account, though some accounts have a monthly fee once they are open (which may be waived depending on your balance or activity).

Frequently Asked Questions

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

No. You can bring cash or a check to a Chase branch for your initial deposit, or you can transfer money from another bank if you have one. The amount you need to deposit depends on the account type — check the account details on chase.com.

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

Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you do not have either, you may need to speak with a banker at a branch about other options, though availability varies.

What is the difference between APY and interest rate?

APY stands for Annual Percentage Yield. It is the amount of interest you earn in a year, shown as a percentage. A higher APY means you earn more money on the balance you keep in the account.

Can I change my account type after I open it?

Yes. You can contact Chase online, by phone, or at a branch to switch to a different account type. There is usually no fee to change accounts, though you may lose certain features or benefits tied to your old account.

How long does it take to receive my debit card after opening a checking account?

Chase usually mails a debit card within 7 to 10 business days of opening a checking account. You can use your account online and at ATMs before the card arrives. If you need a card faster, ask a banker at a branch — some locations can issue a temporary card on the spot.