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

The Chase app lets you start a savings account without visiting a branch or calling anyone. You'll need your phone, a valid ID, your Social Security number, and a way to fund the account — either a debit card or a bank account you already have. The app walks you through each step, and your account is usually ready to use the same day.

This path works best if you already have a Chase checking account or if you're opening both at once. If you're new to Chase entirely, the app can handle that too, but the process takes a few extra minutes because the system needs to verify more information about you.

Key Takeaways

  • Open the Chase app, tap the menu icon, and select "Open an account" to start a savings account without leaving home.
  • You'll need a government-issued ID, your Social Security number, and either a debit card or existing bank account to fund your new savings account.
  • The app asks you to confirm your identity by taking a photo of your ID and answering security questions based on your financial history.
  • Your new savings account number appears in the app when ready after approval, though it may take a few hours to show up in your account list.
  • If the app denies your request, you can visit a Chase branch in person with your ID and Social Security number to open an account.

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 from any bank or the routing and account number of a bank account you already own. You'll use one of these to fund your new savings account — Chase will transfer money from that source to complete the opening.

If you don't have a debit card or another bank account yet, you can still open a Chase savings account, but you'll need to fund it in a different way after approval. Some people deposit cash at a Chase ATM or bring a check to a branch. Ask the app what your options are if you hit this situation.

The step-by-step process in the app

Open the Chase mobile app and tap the menu icon (three horizontal lines) in the bottom right corner. Look for "Open an account" or "Open a new account" — the exact wording changes slightly depending on your phone and app version. Tap it, then select "Savings" from the account types shown.

The app will ask whether you're a current Chase customer. If you are, select that option. If you're not, select "I'm new to Chase" — the process is the same, just with extra verification steps. Next, choose which type of savings account you want. Chase offers a few versions with different interest rates and minimum balances, so read the descriptions to pick the one that fits your situation.

You'll then enter your personal information: full name, date of birth, address, phone number, and email. Make sure everything matches your ID exactly. The app will ask for your Social Security number next — this is how Chase verifies your identity and checks your banking history.

How the app verifies who you are

After you enter your information, the app asks you to take a photo of your ID. Hold your phone steady, make sure the ID is fully visible and well-lit, and take the photo. The app scans it automatically. Next, you'll answer security questions based on your financial history — things like "Which of these addresses have you lived at?" or "Which bank did you have an account with in 2019?" These questions come from public records and credit reports, and they're how Chase confirms you are who you say you are.

Answer as accurately as you can. If you're not sure about an answer, select "None of the above" rather than guessing. After you answer all the questions correctly, the app usually approves you within seconds. If it can't verify you this way, it will tell you to visit a Chase branch or call the number on the back of your Chase debit card.

Funding your new account

Once the app approves you, it asks how you want to fund the account. If you have a debit card from any bank, enter the card number, expiration date, and CVV (the three-digit code on the back). If you prefer to use a bank account, enter the routing number and account number instead. Chase will transfer money from that source — you choose the amount, though most people start with $25 to $100.

The transfer usually shows up in your new savings account within one business day. Your account number appears in the app right away, even if the money hasn't arrived yet. You can start using the account to set up automatic transfers or savings goals as soon as you see the account number.

What happens after approval

Your new savings account shows up in the Chase app under your accounts list. You can see the account number, current balance, and interest rate. If you set up a transfer during the opening process, you'll see that transaction in your activity. You can also set up automatic transfers from your checking account to your savings account, which many people do to build savings without thinking about it.

Chase sends a confirmation email to the address you provided. You don't need to do anything with this email — it's just a record. If you ever need to contact Chase about the account, you can call the number on the back of your debit card or message through the app.

What to do if the app denies your request

The app might deny your request if it can't verify your identity through the security questions, if there's a problem with the information you entered, or if there's an issue with your banking history. If this happens, the app tells you why and gives you next steps. Usually, you can visit a Chase branch in person with your ID and Social Security number and open an account there instead.

Bring your government-issued ID and be ready to provide your Social Security number. A Chase employee can open the account on a computer at the branch, and you can fund it right there. This path takes about 15 to 20 minutes in person but doesn't require any app verification.

Frequently Asked Questions

Can I open a savings account in the Chase app if I don't have a Chase checking account?

Yes. The app can open a savings account for you even if you're new to Chase. The verification process takes a bit longer because the system needs to confirm more about you, but the steps are the same. You'll still need your ID, Social Security number, and a way to fund the account.

How long does it take for my savings account to be ready to use?

Your account number appears in the app when ready after approval, usually within a few minutes. You can start using it right away to set up transfers or savings goals. The money you transfer to fund it arrives within one business day.

What if I don't have a debit card or another bank account to fund the account?

You can still open the account in the app, but you'll need to fund it another way after approval. You can deposit cash at a Chase ATM, bring a check to a branch, or ask Chase what other options are available. Contact Chase through the app or call the number on your debit card to find out what works for your situation.

Can I open more than one savings account in the Chase app?

Yes. Once your first account is open, you can open additional savings accounts through the app. Each one has its own account number and balance, which is helpful if you're saving for different goals.

What if I make a mistake while filling out the app?

If you notice a mistake before you submit, go back and fix it. If you've already submitted and the app denies you because of incorrect information, you can try again with the correct details. If you're unsure, visit a Chase branch and open the account in person instead.