You can open most Chase accounts online in about 10 minutes using your phone or computer
Chase lets you open a checking or savings account entirely online without visiting a branch. You'll need a valid government ID, a Social Security number, and a way to fund the account — either a debit card, another bank account, or a transfer code. The process moves fast: you answer questions about yourself, verify your identity, choose your account type, and fund it. Most people are done in one sitting.
The account opens when ready, though you won't see the full online banking setup until the next business day. If you're opening an account to receive a direct deposit or set up automatic payments, you can start using your account number right away — Chase will mail your debit card to you within 7 to 10 business days.
Key Takeaways
- You need a valid government ID (driver's license, passport, or state ID), your Social Security number, and a way to fund the account to start the process online.
- Chase verifies your identity by asking personal questions about your financial history, not by requiring you to upload documents.
- Your account opens when ready after you fund it, but your debit card arrives by mail in 7 to 10 business days.
- You can use your account number to set up direct deposits or automatic payments before your card arrives.
- If you're new to the U.S. banking system or don't have a Social Security number, you may need to visit a branch in person instead.
What you need before you start
Gather these items before you open the Chase website or app. You'll need a valid government-issued ID — a driver's license, passport, or state ID card. Chase will ask you to confirm information from it, but you won't upload a photo or scan it.
You'll also need your Social Security number. If you don't have one, you cannot open an account online; you'll need to visit a Chase branch in person with your passport and visa documentation.
Finally, you need a way to fund your account — that is, put money into it to get your free guide. You can use a debit card from another bank, provide your checking account number and routing number from another bank, or use a transfer code if Chase sends you one. You don't need much: many people fund with $25 to $100 just to set up the account.
The step-by-step process
Go to chase.com on your computer or open the Chase Mobile app. Look for "Open an account" or "New customer" — the exact wording changes, but it's always near the top of the page. Click it.
Chase will ask you to choose between a checking account, a savings account, or both. If you're not sure which you need, a checking account is for everyday spending and bills; a savings account is for money you want to set aside and not touch regularly. Many people open both at once.
Next, you'll enter your personal information: your name, date of birth, address, phone number, and email. Then you'll enter your Social Security number. Chase uses this to check your identity and run a background check — this is normal and expected.
Chase will ask you questions about your financial history: "Have you had a checking account before?" "Have you ever been denied a bank account?" "Do you have any outstanding bank fees from another bank?" Answer honestly. These questions help Chase verify who you are, not determine whether you can open an account. Almost everyone can open a basic checking or savings account.
You'll then choose how to fund your account. If you're using a debit card, enter the card number, expiration date, and CVV (the three-digit code on the back). If you're using another bank account, enter the account number and routing number — you can find both on a check or by logging into that bank's website. Chase will ask you to confirm the amount you want to transfer, usually between $25 and $10,000.
Review the account terms, agree to them, and submit. Your account opens when ready. You'll see a confirmation number and your new account number on the screen — write this down or take a screenshot.
What happens after you submit
Your account is live right away. You can log into Chase online banking or the app using your email and a password you create. Your debit card will arrive by mail in 7 to 10 business days — Chase will send it to the address you provided.
While you wait for your card, you can already use your account. If your employer or another source is sending you a direct deposit, you can give them your new account number and routing number when ready. You can also set up automatic bill payments or transfers to other accounts using your account number.
The first time you log in, Chase may ask you to set up extra security, like a PIN or fingerprint login. Do this — it protects your account. You may also see a message that your online banking will be fully active by the next business day; this is normal.
When you might need to go to a branch instead
Most people can open an account online, but some situations require a visit to a Chase branch. If you don't have a Social Security number — for example, if you're new to the U.S. and have a visa but not yet a Social Security number — you'll need to bring your passport and visa to a branch. A banker can open an account for you and may be able to use an Individual Taxpayer Identification Number (ITIN) instead.
If you don't have a government ID, you'll also need to visit a branch. Bring your passport or any ID your country issued, and bring a second form of ID if you have one — a utility bill, lease, or school ID can help.
If you're opening an account as a minor (under 18), Chase requires a parent or guardian to be present, either online or in person. The online process may walk you through this, but if it doesn't, visit a branch.
Choosing between Chase account types
Chase offers several checking accounts with different features and monthly fees. The Chase Total Checking account is the most common: it has a monthly fee of $12, but the fee is waived if you maintain a minimum balance, set up direct deposit, or meet other conditions. Many people avoid the fee by setting up direct deposit from their paycheck.
The Chase Sapphire Checking account has a higher monthly fee but comes with extra benefits like travel insurance and cash back on purchases. It's designed for people who spend more and want rewards.
For savings, Chase offers a Chase Savings Account that earns interest on the money you keep in it. The interest rate changes, so check chase.com for the current rate. There's a monthly fee, but like checking, it's often waived if you maintain a minimum balance.
When you open your account online, Chase will show you the current fees and conditions for each account type. Choose the one that fits your situation — you can always change accounts later or visit a branch to discuss which is best for you.
Frequently Asked Questions
How long does it take for my debit card to arrive?
Chase mails debit cards within 7 to 10 business days. If you need to use your account before the card arrives, you can use your account number for direct deposits and bill payments, or you can ask Chase about a temporary digital card for online shopping.
Can I open an account if I've had problems with another bank?
Yes. Chase asks about past issues, but having been denied an account or owing fees elsewhere does not automatically disqualify you. Chase looks at your overall history. If you're worried, visit a branch and speak with a banker — they can tell you whether you can open an account before you explore online.
What if I don't have a Social Security number?
You cannot open an account online without one. Visit a Chase branch with your passport and visa. A banker can open an account using an Individual Taxpayer Identification Number (ITIN) if you have one, or they can explain what documents you need to get one.
Can I open a joint account online with someone else?
Chase's online process opens accounts in one person's name. If you want a joint account with a spouse or family member, you can open a single account online and then visit a branch to add the second person, or you can both visit a branch together to open the joint account from the start.
What if the online process stops or won't let me finish?
Try closing the browser or app and starting again. If it keeps stopping at the same place, visit a Chase branch — a banker can open the account for you in person and can explain what went wrong with the online process.