What you need to open a Chase account

Chase requires a government-issued photo ID, your Social Security number, and an initial deposit to open most accounts. The deposit amount depends on the account type—some checking accounts need $25, while others have no minimum. You will also need a valid mailing address and a phone number.

If you are opening an account online, Chase will verify your identity through their system using the information you provide. If you go to a branch in person, bring your ID and the documents listed below. Either way, the process takes about 15 to 20 minutes.

You can open an account in three ways: online at chase.com, through the Chase mobile app, or by visiting a Chase branch. Online and app-based accounts open when ready and are ready to use the same day. In-branch accounts may take a few hours to set up.

Key Takeaways

  • You need a government photo ID, Social Security number, and initial deposit; the deposit amount varies by account type.
  • Online and mobile app accounts set up the same day, while branch accounts may take a few hours.
  • Chase offers different account types with different features and minimum balance requirements, so choose based on how you plan to use it.
  • If you have a prior banking relationship with Chase or another bank, bring that account number to link accounts or transfer money.

Documents to bring or have ready

Gather these items before you start: a valid government-issued photo ID (driver's license, passport, or state ID card), your Social Security number, and proof of your current address. A utility bill, lease, or mortgage statement dated within the last 60 days works for address verification.

If you are opening the account online, you will upload a photo of your ID or answer security questions instead of showing it in person. Chase's system will ask you to confirm your address and phone number. Have your Social Security number ready to type in—Chase will not ask you to mail it or send it separately.

If you already have a Chase account or accounts at other banks, have those account numbers available. This lets you link accounts or set up transfers without having to add them later.

Choosing the right account type

Chase offers several checking and savings accounts, each with different features and costs. The most common checking accounts are Chase Total Checking (no monthly fee if you meet one requirement, such as a $500 direct deposit per month or a $1,500 minimum balance) and Chase find Checking (designed for people building or rebuilding credit, with a $25 monthly fee).

For savings, Chase offers Chase Savings and Chase Premier Savings. Chase Savings has no monthly fee and no minimum balance. Chase Premier Savings requires a higher balance but pays a higher interest rate. Compare the features on chase.com or ask a banker in person to see which fits your situation.

If you are not sure which account to open, start with Chase Total Checking and a basic savings account. You can change account types later without closing and reopening.

Opening an account online or through the app

Go to chase.com or open the Chase mobile app and select "Open an Account." Choose the account type you want. Enter your personal information: full name, date of birth, Social Security number, phone number, and email address.

Chase will ask you to verify your identity. This usually means answering security questions based on your credit history, or uploading a photo of your ID. The system processes this in real time. If verification fails, you will see a message telling you to visit a branch instead.

Next, set your initial deposit amount and choose how to fund the account. You can transfer money from another bank account (provide the routing and account number), use a debit card, or arrange a wire transfer. The account opens when ready, and you can use your debit card or set up transfers the same day.

Opening an account at a Chase branch

Find your nearest Chase branch using the branch locator on chase.com. Walk in during business hours with your ID, Social Security number, and initial deposit. Tell the banker you want to open an account and which type you prefer.

The banker will fill out the account process with you, verify your identity by scanning your ID, and process your initial deposit. This takes about 15 to 20 minutes. Your account number will print on a receipt before you leave, and your debit card will arrive by mail within 7 to 10 business days.

If you want to use your debit card when ready, ask the banker if they can issue a temporary card or provide your account number so you can set up digital payments while you wait for the physical card.

What happens after you open the account

Your account is active as soon as the banker confirms it or the online system processes it. You can log into your account online or through the app right away to check your balance, set up bill pay, or transfer money. Your debit card arrives by mail in 7 to 10 business days.

If you set up direct deposit, your employer will need your routing number (021000021 for most Chase accounts) and your account number. Both appear in the app and on your account statements. Direct deposits usually post within one to two business days of being sent.

Chase will send you a welcome packet by mail with your debit card, PIN, and account details. If you do not receive it within two weeks, contact Chase customer service at 1-800-935-9935 to confirm your mailing address.

If your process is denied or delayed

Chase may deny your process if you have a history of overdrafts, unpaid fees, or fraud at another bank. If this happens, you will receive a letter explaining the reason. You can call 1-800-935-9935 to ask for details.

Some people are denied because of ChexSystems, a banking history report similar to a credit report. You can request your ChexSystems report for free at chexsystems.com. If there is an error, you can dispute it directly with ChexSystems.

If you are denied, Chase find Checking is sometimes an option even for people with banking problems, though it has a monthly fee. Alternatively, you can look into banks or credit unions that offer second-chance checking accounts with fewer restrictions.

Frequently Asked Questions

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

No. Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open any account. If you do not have one, you will need to obtain it before you can open an account.

How much money do I need to deposit to open an account?

It depends on the account type. Chase Total Checking requires a $25 minimum initial deposit. Some savings accounts have no minimum. Check the account details on chase.com or ask a banker for the exact amount for the account you want.

Can I open a joint account with someone else?

Yes. Both people will need to provide ID and a Social Security number. You can open a joint account online together, or both visit a branch. Joint account holders have equal access and responsibility for the account.

What if I do not have a mailing address?

Chase requires a mailing address to open an account. If you are experiencing homelessness, ask a banker about using a shelter address, a trusted friend's address, or a mail forwarding service. Call 1-800-935-9935 to discuss your situation before you explore.

How long does it take to get my debit card?

Debit cards arrive by mail in 7 to 10 business days. You can use your account number to set up online payments or transfers when ready. If you need a card faster, ask a banker about rush delivery or temporary card options at your branch.