You can open a Chase savings account directly in the Chase mobile app in about 10 minutes

The Chase mobile app lets you start a savings account without visiting a branch or calling anyone. You'll need your Social Security number, a government ID, and a way to fund the account — either a debit card or a bank account at another institution. The app walks you through each step and tells you right away whether you're approved.

The whole process happens on your phone. Once you finish, your savings account number appears in the app, and you can start moving money into it the same day.

Key Takeaways

  • You need a valid government ID, your Social Security number, and either a debit card or another bank account to fund your new savings account.
  • The app will ask you to verify your identity by answering questions about your credit history — this takes a few minutes and happens automatically.
  • You can fund your account when ready using a debit card or by linking another bank account, or you can skip this step and add money later.
  • Your new savings account appears in the Chase app right after approval, and you can start using it the same day.

What you need before you start

Gather these items before you open the app: a valid government-issued ID (driver's license, passport, or state ID card), your Social Security number, and either a debit card or the routing and account numbers from another bank account. If you're using a debit card to fund the account, have that card handy. If you're linking another bank account, you'll need the account and routing numbers from that bank.

You'll also need to be at least 18 years old and a U.S. resident. Chase will ask for your address during the process, so have that ready too.

Steps to open a savings account in the Chase app

Step 1: Open the Chase app and tap "Open an Account." On the home screen, look for a button or menu option that says "Open an Account" or "New Account." This is usually near the top of the app or in a menu marked with three horizontal lines.

Step 2: Choose "Savings Account." The app will show you different account types. Select the savings account option. Chase offers a few different savings products, so make sure you're choosing the one labeled as a savings account.

Step 3: Enter your personal information. Type in your full name, date of birth, Social Security number, and current address. The app will ask you to confirm this information is correct before moving forward.

Step 4: Verify your identity. Chase will ask you questions about your credit history — things like "Which of these addresses have you lived at?" or "Which of these is your car loan with?" You don't need a perfect credit score to pass this step; Chase is just confirming you are who you say you are. Answer as many questions as you can. If you can't answer a question, you can usually skip it.

Step 5: Review the account terms. The app shows you the account agreement and fee schedule. Read through this so you understand any monthly fees, minimum balance requirements, or interest rates. Scroll to the bottom and confirm that you agree.

Step 6: Fund your account (optional at this step). The app will ask if you want to add money now. You can either link a debit card, connect another bank account, or skip this and fund it later. If you choose to fund it now, follow the prompts to enter your card or account information.

Step 7: Confirm and finish. Review a summary of what you've entered. If everything looks right, tap the button to complete the process. You'll see a confirmation screen with your new account number.

How to fund your account after opening it

If you didn't fund your account during the opening process, you can add money anytime through the Chase app. Open the app, find your new savings account, and look for a button labeled "Deposit," "Transfer," or "Add Money." You can transfer from another Chase account you own, link a debit card to deposit funds, or connect an external bank account.

Transfers between your own Chase accounts usually show up when ready. Transfers from an external bank account typically take one to three business days. Debit card deposits may take a few minutes to a few hours.

What happens if your identity verification doesn't go through

If the app can't verify your identity automatically, it will tell you during the process. This sometimes happens if you've recently moved, changed your name, or have limited credit history. When this occurs, Chase will give you the option to verify your identity another way — usually by uploading a photo of your ID or by calling a representative.

You can also visit a Chase branch in person with your ID and Social Security number to open the account. A banker can verify your information on the spot and have your account ready in minutes.

Understanding Chase savings account features

Chase savings accounts earn interest on the money you keep in them, though the interest rate changes based on market conditions. The app shows your current rate and how much interest you've earned. Most Chase savings accounts have no monthly fee if you keep a minimum balance — Chase's requirement varies, so check the terms when you open your account.

You can move money between your Chase savings account and your Chase checking account as many times as you want through the app. You can also set up automatic transfers — for example, moving $50 from checking to savings every payday — to help you save without thinking about it.

Frequently Asked Questions

Can I open a savings account if I don't have a checking account?

Yes. You don't need an existing Chase account to open a savings account through the app. You will need to fund it with a debit card from another bank or by linking an external bank account.

What if I don't have a government ID?

You'll need a valid government-issued ID to open an account through the app. If you don't have one, you can visit a Chase branch in person with alternative documents — ask the banker what they accept. Some states offer ID cards specifically for people who can't get a driver's license.

How long does it take to get approved?

Most people see approval within minutes. If Chase needs to verify your identity manually, it may take a few hours or up to one business day. You'll receive a notification in the app when your account is ready to use.

Can I open an account if I'm under 18?

No, you must be at least 18 years old to open an account on your own through the app. If you're under 18, a parent or guardian can open a custodial savings account for you at a Chase branch.

What if I already have a Chase account but can't find the "Open an Account" button?

Make sure you're using the latest version of the Chase app — older versions sometimes have different menu layouts. Go to your phone's app store and check for updates. If you're fully updated and still can't find it, you can call Chase at the number on the back of your card or visit a branch.