You can open a Chase savings account directly in the Chase mobile app in about 10 minutes, without visiting a branch

The Chase mobile app lets you start a savings account from your phone if you already have a Chase checking account or are opening both at the same time. The process moves through identity verification, account setup, and funding in one session. You will need your Social Security number, a valid ID, and a funding source — either a Chase checking account you already own or a debit card.

If you do not yet have a Chase account of any kind, you can open a checking account first through the app, then add a savings account when ready after. The two accounts can be linked so money moves between them without leaving Chase's system.

Key Takeaways

  • Open the Chase app, tap the menu icon, and select "Open an Account" — the app will guide you through identity verification and account details in order.
  • You will need your Social Security number, a government-issued ID, and either a Chase checking account or a debit card to fund the new savings account.
  • The app verifies your identity by asking security questions based on your credit history, then confirms your address and phone number.
  • Once approved, your savings account number appears in the app when ready, though it may take one business day to show up in your online banking profile.
  • You can transfer money into the new account from an existing Chase checking account or link an external bank account for transfers later.

What you need before you start

Gather these items before opening the app: your Social Security number, a government-issued photo ID (driver's license, passport, or state ID), and proof of your current address. The app can verify your address using information it already has on file if you are an existing Chase customer, but if you have moved recently, have a utility bill or lease handy.

You also need a way to fund the account. If you already have a Chase checking account, you can transfer money from that account into your new savings account right away. If you do not have a Chase account yet, you can use a debit card from another bank to make an initial deposit. Some customers also link an external bank account after opening the savings account, though that takes an extra step and usually one to two business days to verify.

Opening the account step by step

Open the Chase mobile app and tap the menu icon (three horizontal lines) in the bottom right corner. Select "Open an Account" from the menu. The app will ask whether you want to open a checking account, savings account, or both. If you already have a Chase checking account, select "Savings Account." If you do not, select "Checking and Savings" to open both.

The app will then ask you to confirm your personal information: name, date of birth, Social Security number, and current address. If you are an existing Chase customer, much of this may already be filled in. Review it carefully — any mismatch between what you enter and what Chase has on file can slow down verification.

Next, Chase will verify your identity by asking security questions based on your credit history. These questions typically ask about past addresses, previous loans, or credit accounts. Answer as accurately as you can. If you answer incorrectly, the app will ask you to try again or offer an alternative verification method, such as uploading a photo of your ID.

Identity verification and approval

After you answer the security questions, the app confirms your phone number and email address. Chase will send a verification code to your phone via text message. Enter that code into the app to confirm you control that phone number. This step usually takes less than a minute.

Once verification is complete, the app displays a confirmation screen with your new account number and routing number. At this point, your savings account exists and is ready to use. The account will appear in your Chase app when ready, though it may take one business day to show up in your online banking profile at chase.com.

Funding your new savings account

If you opened a savings account alongside an existing Chase checking account, you can transfer money between them right away using the app. Tap "Transfer Money," select your checking account as the source and your new savings account as the destination, enter the amount, and confirm. The transfer completes when ready within Chase's system.

If you used a debit card to fund the account during setup, that initial deposit (usually $25 or more, depending on the account type) has already been processed. If you want to add more money, you can transfer from an external bank account, though Chase will need to verify that account first. This verification typically takes one to two business days and requires you to confirm two small deposits that Chase sends to that external account.

What happens after you open the account

Your savings account is active when ready after approval, but a few things happen over the next few days. Your account number and routing number appear in the app right away, so you can receive transfers from other people or institutions. Your employer can also set up direct deposit to this account if you provide them with the routing number and account number.

If you linked an external bank account during setup, Chase will send two small test deposits (usually under $1 each) to that account within one to two business days. You will need to log into that external bank account, find those deposits, and enter their amounts into the Chase app to confirm you own that account. Once confirmed, you can transfer money freely between that external account and your Chase savings account.

Your savings account will earn interest based on Chase's current savings rate, which changes over time. The app shows your current rate in the account details section. Interest is calculated daily and deposited monthly.

Troubleshooting common issues

If the app says your identity cannot be verified, it usually means the information you entered does not match Chase's records or the credit bureau data they checked. Try again with your exact legal name as it appears on your ID and Social Security card. If you recently moved, make sure your address is current. If verification fails a second time, the app will offer to let you upload a photo of your ID instead — this manual verification typically takes one to two business days.

If your account number does not appear in the app after 15 minutes, try closing the app completely and reopening it. If it still does not show, contact Chase customer service through the app or call the number on the back of your debit card. Do not assume the account was not created — it may straightforward need a refresh to display.

If you see an error message about funding the account, check that your debit card or checking account has sufficient funds and that the card has not expired. Some debit cards from smaller banks may not work with Chase's system; if that happens, you can fund the account later by transferring from an external bank account once it is verified.

Frequently Asked Questions

Do I need to be a Chase customer already to open a savings account in the app?

No. You can open a Chase checking account and savings account together in the app if you do not have any Chase accounts yet. The app will guide you through opening both accounts in one session. You will still need a government ID, Social Security number, and a debit card to fund the initial deposit.

How long does it take to open the account?

The entire process usually takes 10 to 15 minutes from start to finish. Identity verification is the longest step, but most customers pass the security questions on the first try. Once you submit your information, approval is usually when ready, and your account number appears in the app when ready.

Can I set up direct deposit to my new savings account right away?

Yes. Your account number and routing number are available in the app as soon as the account is created. You can give these to your employer when ready to set up direct deposit. It typically takes one to two pay cycles for the first deposit to arrive, depending on your employer's payroll schedule.

What if I want to close the savings account later?

You can close a Chase savings account through the app or by calling Chase customer service. If the account has a balance, you will need to transfer or withdraw that money first. Chase does not charge a fee to close a savings account, but some account types may have a monthly maintenance fee if you do not meet a minimum balance — check your account details in the app to see if yours does.

Can I open multiple savings accounts with Chase?

Yes. Chase allows you to open more than one savings account if you want to keep money separate for different goals. Each account has its own number and can earn interest independently. You can open additional accounts through the app using the same "Open an Account" process.