You can open a Chase savings account online, by phone, or in person at a branch, and the process takes about 10 to 15 minutes if you have the right documents ready.
Chase offers several savings account types — the Chase Savings Bank account is the most common for everyday savers, though Chase also offers high-yield savings through Chase Bank and specialty accounts like money market accounts. The basic path is the same for all: you provide personal information, proof of identity, and an initial deposit, and the account opens when ready or within one business day. You do not need an existing Chase checking account to open savings.
The fastest route is online at chase.com. You will need a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and a way to fund the account — either a debit card, bank transfer, or wire transfer. If you prefer to speak with someone, you can call Chase at 1-800-935-9935 or walk into any Chase branch during business hours.
Key Takeaways
- Chase savings accounts open online in 10 to 15 minutes if you have a government ID, Social Security number, and a funding method ready.
- You can open an account without an existing Chase checking account, and the initial deposit requirement varies by account type — typically $0 to $25.
- Online opening is fastest, but you can also call 1-800-935-9935 or visit a branch if you need help or prefer to speak with someone.
- Your account number and routing number are available when ready after opening, so you can set up direct deposit or transfers the same day.
What Documents and Information You Need
Before you start, gather a valid government-issued photo ID (driver's license, passport, state ID, or military ID), your Social Security number, and your date of birth. Chase will ask for your current address and phone number. If you have moved recently, have your previous address ready — Chase may ask for it as part of their verification process.
For funding the account, you will need one of the following: a debit card from another bank, login information for another bank account (to transfer funds), or wire transfer details if you are funding from outside the United States. You do not need to fund the account when ready — many people open it and add money later — but if you do fund it during opening, the process moves faster.
Opening an Account Online
Go to chase.com and select "Open an Account" or "Savings Account." Chase will walk you through a series of screens asking for your personal information, address, phone number, and Social Security number. You will choose a username and password for your online banking login. The entire process takes about 10 to 15 minutes.
After you submit your information, Chase runs a verification check — this is when ready in most cases. You will then see your new account number and routing number on screen. If Chase needs additional information (which happens occasionally), you will receive an email or phone call within one business day. Once your account is open, you can log in to chase.com or use the Chase mobile app to check your balance, set up transfers, or arrange direct deposit.
Opening an Account by Phone or in Person
Call Chase at 1-800-935-9935 to open a savings account over the phone. A representative will ask the same questions as the online process — your name, address, Social Security number, and ID information — and can answer questions about which account type fits your needs. The call usually takes 15 to 20 minutes. You will receive your account number and routing number by email or mail within one to two business days.
If you prefer to open an account in person, visit any Chase branch during business hours. Bring your government-issued ID and Social Security number. A banker will help you choose an account type, answer questions about fees and interest rates, and complete the paperwork. Your account opens on the spot, and you walk out with your account number and routing number. This route is useful if you want to fund the account with cash or have questions a representative can answer face-to-face.
Initial Deposit Requirements and Account Types
Chase Savings Bank accounts typically have no minimum opening deposit — you can open with $0 and add money later. Some Chase branches or online promotions may require a small opening deposit of $25, but this varies. Check the specific account details before you open to confirm the current requirement.
Chase offers several savings account types. The standard Chase Savings Bank account earns a small amount of interest and has no monthly fee if you maintain a minimum balance (usually $300) or set up direct deposit. Chase also offers a high-yield savings account through Chase Bank, which earns a higher interest rate but may have different requirements. Money market accounts are another option if you want check-writing ability alongside savings features. The interest rate and fees for each account type change over time, so review the current terms on chase.com before opening.
What Happens After Your Account Opens
Your account is ready to use when ready after opening online or in person. You can log in to chase.com or the Chase mobile app right away to see your account number, routing number, and balance. You can set up direct deposit, transfer money from another bank, or arrange automatic transfers to build savings.
If you opened by phone, Chase will mail you a debit card within 7 to 10 business days — you do not need it to use your savings account, but it lets you withdraw cash at ATMs. You will also receive your account statements by email or mail, depending on your preference. If you have questions about your account after opening, you can call Chase customer service at 1-800-935-9935 or visit a branch.
Common Reasons Your Account Opening May Be Delayed
In most cases, your account opens when ready or within one business day. However, Chase may need additional information if your identity verification does not match their records, if your address cannot be confirmed, or if there are discrepancies in the information you provided. If this happens, Chase will contact you by phone or email — usually within one business day — and ask you to provide documents like a utility bill, lease, or recent bank statement to confirm your address.
If you have a history with ChexSystems (a banking verification system that tracks account closures and fraud), Chase may review your file before opening your account. This does not automatically disqualify you, but it may add one to two business days to the process. If your account is declined, Chase will send you a letter explaining why and what steps you can take next.
Frequently Asked Questions
Do I need a Chase checking account to open a savings account?
No. You can open a Chase savings account on its own without any other Chase account. Many people use Chase savings alongside checking accounts at other banks, or they open both accounts at Chase at the same time.
Can I open a Chase savings 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 have an ITIN, you can open an account using that instead. Call 1-800-935-9935 to discuss your situation with a representative.
What if I do not have a government-issued ID?
You will need a valid government-issued photo ID to open an account. If you do not have one, visit your state's DMV or passport office to obtain a driver's license or passport. Once you have an ID, you can open your Chase account.
How long does it take to receive my debit card?
Chase mails debit cards within 7 to 10 business days of account opening. You do not need the card to use your savings account — you can transfer money, set up direct deposit, and withdraw cash at Chase ATMs using your account number and PIN right away.
Can I open a savings account for someone else or for a child?
You can open a savings account for a minor (under 18) as a custodial account, but you must be the parent or legal guardian and present in person at a Chase branch with the child's birth certificate and your ID. For adults, each person must open their own account using their own Social Security number and ID.