What you need to open a Chase account

Chase requires you to bring a government-issued photo ID, your Social Security number, and an initial deposit. The ID can be a driver's license, passport, or state ID card. You'll also need to choose which type of account you want — checking, savings, or both — before you walk in or start online.

The initial deposit amount depends on the account type. Chase checking accounts typically require $25 to $100 to open, though some accounts have no minimum. Savings accounts usually need $25 or more. You can fund the account with cash, a debit card, or a transfer from another bank account.

If you don't have a Social Security number, Chase will accept an Individual Taxpayer Identification Number (ITIN) instead. Bring documentation of your current address — a utility bill, lease, or recent bank statement — if your ID doesn't show where you live.

Key Takeaways

  • You need a photo ID, Social Security number or ITIN, and an initial deposit to open any Chase account.
  • Chase offers checking, savings, and money market accounts, each with different features and minimum balance requirements.
  • You can open an account in person at a Chase branch, online through their website, or by phone.
  • The entire process takes 10 to 15 minutes in a branch or 5 to 10 minutes online, and your account is usually active the same day.

Opening an account in a Chase branch

Walk into any Chase branch during business hours with your ID, Social Security number, and initial deposit. Tell the banker you want to open a new account. They will ask which type of account you want and show you the features of each option — checking accounts come with a debit card and online access, while savings accounts earn interest but have limits on how often you can withdraw.

The banker will enter your information into their system, verify your ID, and confirm your Social Security number. They'll ask for your current address and phone number. You'll sign documents that explain the account terms, including monthly fees (if any) and how interest is calculated on savings accounts.

Once you've signed, the banker will process your initial deposit and give you a receipt. Your debit card will be ordered and arrive in 7 to 10 business days. You can start using your account for online transfers and bill pay when ready, even before the card arrives.

Opening an account online

Go to chase.com and click "Open an Account" at the top of the page. Select the account type you want — the site will show you the current features and fees for each. Enter your name, address, date of birth, and Social Security number. Chase will verify this information against their records and a credit bureau.

You'll be asked to create a username and password for online banking. Chase will also ask for a phone number and email address. The site will then ask you to confirm your identity by answering security questions based on your credit history, or by uploading a photo of your ID.

Once your identity is confirmed, you'll choose how to fund the account. You can transfer money from another bank account (which takes 1 to 3 business days) or provide a debit card number to fund it when ready. Your account opens right away, and you can log in and use online banking the same day. Your debit card will arrive in 7 to 10 business days.

Opening an account by phone

Call Chase at 1-800-935-9935 to open an account over the phone. A representative will walk you through the same questions as the online process — name, address, date of birth, Social Security number, and which account type you want. They'll verify your identity and ask for an initial deposit method.

Phone opening is slower than in-branch or online because the representative has to enter everything manually. The call usually takes 15 to 20 minutes. Your account will be set up by the end of the call, but you won't receive your debit card as quickly — it may take an extra few days because the order is processed by mail rather than in real time.

What happens after you open the account

Your account is active when ready, and you can use Chase's mobile app or website to check your balance, transfer money, and pay bills. Your debit card arrives in 7 to 10 business days. When it arrives, you'll need to set up it by calling the number on the back of the card or using the Chase app.

Chase will send you a welcome packet in the mail with your account number, routing number, and information about fees and interest rates. Keep this packet — you'll need the routing number if you want to set up direct deposit or receive transfers from other banks. Your first statement will arrive 30 days after you open the account, either by mail or email depending on what you chose during setup.

If you opened the account online or by phone, you can visit a Chase branch anytime to ask questions or request a printed copy of your account information. Branches are open Monday through Friday, and many locations have Saturday hours.

Account types and what they cost

Chase offers several checking accounts with different fees and features. The Chase Total Checking account has a $12 monthly fee but waives it if you keep a $500 minimum balance or set up direct deposit. The Chase Sapphire Checking account has a $25 monthly fee and is designed for customers who want premium features like higher interest rates and travel benefits.

Chase savings accounts earn interest, but the rate changes based on how much money you keep in the account. The Chase Savings account has a $25 minimum to open and a $5 monthly fee (waived if you keep $300 or more). The Chase Money Market Account requires a $25,000 minimum balance and pays higher interest, but has a monthly fee if your balance drops below that amount.

All accounts come with online banking, mobile app access, and the ability to use any Chase ATM for free. If you use ATMs outside the Chase network, you'll be charged a fee — usually $2.50 per transaction.

If you're under 18

Chase allows minors to open accounts, but you'll need a parent or guardian to co-own the account. Both you and the adult will need to bring photo ID and Social Security numbers. The adult is responsible for the account until you turn 18, at which point you can take full control.

Chase also offers a Chase First Banking account designed for teenagers ages 13 to 17. A parent or guardian must open it with you. This account has no monthly fee, comes with a debit card, and lets you practice managing money with parental controls — the adult can set spending limits and see all transactions.

Frequently Asked Questions

Can I open a Chase account without a Social Security number?

Yes. If you have an Individual Taxpayer Identification Number (ITIN), Chase will accept it instead. You'll need to bring the same documents — photo ID, proof of address, and initial deposit — as anyone else opening an account.

How long does it take to open a Chase account?

In a branch, the process takes 10 to 15 minutes. Online, it takes 5 to 10 minutes. By phone, expect 15 to 20 minutes. Your account is active the same day, but your debit card arrives in 7 to 10 business days.

What if I don't have a photo ID?

Chase requires a government-issued photo ID to open an account. If you don't have one, you'll need to get a state ID or passport first. Some states offer ID cards specifically for people who don't drive.

Can I open multiple Chase accounts?

Yes. You can open a checking account and a savings account at the same time, or open additional accounts later. Each account has its own number and can be managed separately through online banking.

What if I make a mistake on my process?

If you notice an error before you finish, tell the banker or correct it on the website. If you catch a mistake after the account opens, call Chase at 1-800-935-9935 and they can update your information. Changes to your name or address usually take 1 to 3 business days to process.