What you need before you start
Chase requires you to bring or have ready several pieces of information and documents before you open a business checking account. The exact list depends on your business structure — whether you're a sole proprietor, partnership, LLC, or corporation — but the core documents are the same.
You'll need a government-issued photo ID (a driver's license or passport), your Social Security number or Employer Identification Number (EIN), and proof of your business address. If your business is registered with your state, bring the formation documents — Articles of Organization for an LLC, Articles of Incorporation for a corporation, or a DBA (Doing Business As) certificate if you're a sole proprietor operating under a business name. If you don't have these yet, you can still open an account, but Chase will ask more questions about your business structure and may require additional documentation later.
You'll also need an initial deposit. Chase's minimum opening deposit varies by account type and changes periodically, so ask the banker what it is when you're ready to open. Some business checking accounts have no minimum; others require $500 or more. You can deposit a check, transfer money from another account, or bring cash.
Key Takeaways
- Bring a photo ID, your Social Security number or EIN, and proof of your business address to open the account in person or online.
- If your business is registered with your state, bring the formation documents (Articles of Organization, Articles of Incorporation, or DBA certificate).
- Chase requires an opening deposit, which varies by account type — ask what the minimum is for the specific account you want.
- You can open online, by phone, or in a branch, and the process typically takes 15 to 30 minutes if you have your documents ready.
- After opening, you'll receive a debit card and checks within 7 to 10 business days, and online banking access is usually available the same day.
Opening in a Chase branch versus online
You can open a Chase business checking account in person at any Chase branch or online through Chase's website. Opening in a branch takes about 15 to 30 minutes and lets you ask questions as you go. The banker can also help you choose the right account type for your business and explain the fees. If you're new to business banking, this is often the easier route because someone walks you through each step.
Opening online is faster if you already know which account you want. You'll answer questions about your business, upload photos of your documents, and set up online banking access. The process usually takes 10 to 15 minutes, but you won't have someone to ask questions in real time. Chase will send you a confirmation email, and your account is typically active within one business day.
If you open online and later need to deposit cash or get a debit card faster, you can visit a branch to complete those steps. You don't have to choose one method and stick with it.
What documents to bring or upload
The documents Chase asks for depend on your business structure. If you're a sole proprietor with no registered business name, you may only need your photo ID and Social Security number. If you operate under a business name, you'll need a DBA certificate or proof that your name is registered with your state.
For an LLC, bring your Articles of Organization — the document you filed with your state when you formed the business. For a corporation, bring your Articles of Incorporation. For a partnership, bring the partnership agreement or the formation documents filed with your state. If you're opening online, you'll photograph or scan these documents and upload them through Chase's website.
Chase may also ask for a business license, especially if your industry requires one (food service, real estate, contracting, etc.). If you don't have one yet, tell the banker — some businesses don't need a license to operate, and Chase can note that in your file.
Setting up online banking and getting your debit card
When you open your account, Chase sets up online banking access on the same day, whether you open in a branch or online. You'll receive a username and temporary password, which you can change when ready. Online banking lets you check your balance, transfer money between accounts, pay bills, and read statements.
Your debit card and checks arrive by mail within 7 to 10 business days. If you need to withdraw cash or make deposits before your card arrives, you can use your account number and routing number at any Chase ATM, or visit a branch with your photo ID. Some branches can issue a temporary debit card on the spot if you ask.
If you need checks sooner, you can order them through your online banking portal, though they typically cost more than the free checks Chase sends with your account. You can also use your account number and routing number to set up automatic payments or direct deposit before your checks arrive.
Monthly fees and account types
Chase offers several business checking accounts, each with different monthly fees and features. The most common are the Chase Business Basic Checking (which has a monthly fee that may be waived if you meet certain requirements), Chase Business Premiere Checking (a higher-tier account with more services), and Chase Business Checking (an older account type still available to some customers).
Monthly fees typically range from $10 to $25, but many can be waived if you maintain a minimum balance or set up direct deposit. Ask the banker which account fits your business and what the fee waiver requirements are. Some accounts include unlimited transactions; others charge per check or per deposit after a certain number.
If you're just starting out and expect low transaction volume, the Basic account is usually the right choice. If you process many checks or transfers, a higher-tier account may save you money despite the higher fee.
What happens after your account opens
Once your account is open, you can start using it when ready for online transfers and bill payments. When your debit card arrives, you can use it at Chase ATMs and other ATMs (though out-of-network ATM fees may explore). When your checks arrive, you can write them and deposit them through mobile check deposit or at a branch.
Chase will send you a welcome packet by mail with your account number, routing number, and information about your account features. Keep this packet — you'll need the routing number to set up direct deposit or automatic payments. You can also find this information in your online banking portal.
If you have questions after opening, you can call Chase's business banking phone line, visit a branch, or use the message feature in online banking. Chase also offers business banking resources online, including guides on managing cash flow and accepting payments.
Frequently Asked Questions
Do I need an EIN to open a Chase business checking account?
No. If you're a sole proprietor, you can use your Social Security number instead. You only need an EIN if your business is an LLC, corporation, or partnership, or if you have employees. You can get an EIN from the IRS website for free, and the process takes about 15 minutes.
Can I open an account if my business isn't registered with the state yet?
Yes. Chase will open an account for a sole proprietor or a business that hasn't filed formation documents yet, but you may need to answer more questions about your business structure and provide additional information. Once you register your business, you can update your account details with Chase.
What if I don't have a business address yet?
You can use your home address as your business address when you open the account. If you later move to a commercial space, you can update your address through online banking or by calling Chase. Some businesses use a UPS store or mailbox service as their address; Chase accepts these as long as you can show proof of the arrangement.
How long does it take to get my first debit card and checks?
Debit cards and checks arrive within 7 to 10 business days by mail. If you need cash access sooner, you can withdraw from any Chase ATM using your account number, or visit a branch and ask for a temporary card. Some branches can issue one when ready.
What's the difference between a business checking account and a personal checking account?
A business account is designed for business transactions and keeps your business money separate from personal money — important for taxes and liability. Business accounts may have higher fees but often include features like unlimited transactions, merchant services, and payroll integration. Personal accounts are for individual spending and may have lower fees but aren't meant for business use.