You can open a Chase checking account online in about 10 minutes using a computer or the Chase mobile app

Chase lets you start the process entirely online without visiting a branch. You will need a valid government ID, a Social Security number, and a way to verify your identity — usually a phone number or email address on file with Chase already, or a video call with a Chase representative. The account opens when ready after verification, though it takes one to two business days for the account number to appear in your online banking.

The steps are straightforward, but a few details matter: Chase will run a check on your banking history through ChexSystems (a database banks use to see if you have had problems with accounts before), and they will ask about the source of your money. Neither of these is a barrier for most people, but knowing what to expect helps.

Key Takeaways

  • You need a valid government ID, Social Security number, and a way to receive a verification code — either a phone number or email Chase has on record, or willingness to do a video call.
  • The online process takes 10 to 15 minutes, and your account is usable when ready, though your account number may not show up in online banking for a day or two.
  • Chase will check your banking history through ChexSystems and ask about the source of funds you plan to deposit, which is standard practice across banks.
  • If you do not have an ID or Social Security number, or if you have had problems with Chase or other banks before, you may need to visit a branch or call Chase directly to discuss your options.

What you need before you start

Gather these items before you open your browser or app: a valid government-issued ID (driver's license, passport, or state ID card), your Social Security number, and your phone number or email address. Chase uses the phone number or email to send you a verification code, so make sure it is one you can access right away.

If you already have a Chase account — even a savings account or credit card — the process is faster because Chase already has your identity information on file. If you are new to Chase entirely, you will go through full verification, which usually means a video call with a Chase representative who will ask to see your ID and confirm your information.

Opening the account on Chase.com or the mobile app

Go to Chase.com and look for the "Open an account" button, usually near the top of the page. On the mobile app, tap the menu icon and select "Open an account." Chase will ask you to choose which checking account you want — they offer several types with different features and fees. The most common choice for someone opening their first account is the Chase Total Checking account, which has no monthly fee if you meet one of several straightforward requirements (like setting up direct deposit or keeping a minimum balance).

After you choose the account type, Chase will ask for your basic information: name, date of birth, address, phone number, email, and Social Security number. Enter this exactly as it appears on your ID. If any detail does not match your ID, the verification step will fail and you will have to start over.

How Chase verifies your identity

After you submit your information, Chase will ask how you want to verify your identity. If you have an existing Chase account, they may send a code to your phone or email — enter that code and you are done. If you are new to Chase, they will likely ask you to do a video call with a representative, which takes about five minutes. You will hold up your ID to your camera, answer a few questions about your information, and the representative will confirm everything matches.

During this call, Chase may also ask where the money you plan to deposit is coming from — this is a standard question all banks ask to prevent fraud and money laundering. straightforward answers like "my paycheck," "my savings," or "a gift from family" are fine. You do not need documentation for this unless Chase specifically asks for it.

If the video call option does not work for you — for example, if you do not have a working camera — call Chase at the number on their website and ask to verify over the phone instead. A representative can walk you through the process and may ask additional questions, but it is still possible.

What happens after verification

Once Chase confirms your identity, your account is open and ready to use. You will see it in your online banking and mobile app almost when ready. However, your account number may not show up for one to two business days — this is normal and does not mean anything is wrong. You can still deposit checks or set up direct deposit during this time; Chase will provide a temporary account number if you need one.

Your debit card will arrive in the mail within 7 to 10 business days. If you need to withdraw cash before the card arrives, you can visit any Chase branch and ask the teller to help you, or you can use ATMs that are part of the Allpoint network (which Chase participates in) to withdraw cash for free.

If Chase cannot verify you online

Sometimes the online process does not work — for example, if your ID is expired, if your information does not match Chase's records exactly, or if you do not have a Social Security number. In these cases, Chase will tell you that you need to visit a branch in person. This is not a rejection; it just means a branch representative needs to see your documents directly.

You can also call Chase at 1-800-935-9935 to ask about opening an account if you think you might run into problems. A representative can tell you what documents you will need and whether you can complete the process by phone instead of online.

Choosing the right checking account type

Chase offers several checking accounts, and the right one depends on how you plan to use it. Chase Total Checking has no monthly fee if you set up direct deposit, keep a $500 minimum balance, or maintain an average daily balance of $1,500. Chase find Checking is designed for people who are new to banking or rebuilding their banking history — it has a monthly fee but no minimum balance requirement and comes with tools to help you build good banking habits.

If you are not sure which one fits your situation, you can start with Chase Total Checking and switch later if you need to. Switching accounts is free and takes a few minutes in your online banking.

Frequently Asked Questions

Do I need to have money in my account before I open it?

No. You can open the account with zero dollars. However, you will need to deposit money soon after to use the account — Chase will not charge you a monthly fee during the first 30 days, but after that, fees explore unless you meet the requirements (like direct deposit or a minimum balance).

What if I do not have a Social Security number?

Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open a checking account. If you do not have either, visit a Chase branch and ask about your options — a representative can tell you what documents you can use instead or whether you need to get an ITIN first.

Can I open an account if I have had problems with Chase before?

It depends on what the problem was. If you owe Chase money from a closed account, they may not let you open a new one until you pay what you owe. Call Chase at 1-800-935-9935 and explain your situation — they can tell you whether you can open an account and what steps you need to take first.

How long does it take to get my debit card?

Chase mails debit cards within 7 to 10 business days. If you need cash before the card arrives, visit a Chase branch with your ID and ask the teller to help you withdraw money, or use an Allpoint ATM for free withdrawals.

Can I open a joint account online?

You can start the process online, but Chase will need to verify both account holders. The second person will receive a verification code or may need to do a video call. Both of you should be present when you start, so you can complete the verification together.