What you need to open a Chase account
You can open a Chase checking or savings account in person at a branch, online through their website, or by phone. The fastest route is usually online if you have the documents ready. Chase will ask for a government-issued ID (a driver's license, passport, or state ID card), your Social Security number, and a way to fund the account — either a debit card, another bank account, or a check.
If you don't have a Social Security number yet, you can use an Individual Taxpayer Identification Number (ITIN) instead. Chase also offers accounts for people under 18, though a parent or guardian has to be on the account with you.
You'll need to decide between a checking account (for everyday spending and bill payments) and a savings account (for money you want to set aside). Many people open both. Chase also has accounts designed for specific situations — like accounts for students or for people who want no monthly fees.
Key Takeaways
- You can open an account online, at a branch, or by phone, and you'll need a government ID, Social Security number, and a way to fund the account.
- Chase offers checking accounts for everyday spending and savings accounts for setting money aside, and you can open both at the same time.
- The online process takes about 10 minutes if you have your documents ready, and your account is usually active the same day.
- If you're opening an account in person, bring your ID and Social Security number or ITIN, and be ready to make an initial deposit.
- Chase has different account types with different monthly fees and features, so compare them before you choose.
Opening an account online
Go to Chase.com and look for the "Open an Account" button, usually near the top of the page. You'll answer questions about what type of account you want and whether you're a new customer or returning. Chase will ask for your name, address, date of birth, and Social Security number or ITIN.
Next, you'll upload or take a photo of your ID using your phone or computer camera. Chase uses this to verify who you are. Then you'll choose how to fund the account — you can link a debit card, give them another bank account number, or mail in a check. If you use a debit card or another bank account, the money moves right away. If you mail a check, it takes a few business days to clear.
Once you finish, Chase will tell you whether your account is approved. Most people get approved the same day. Your account number and routing number will appear on the screen — write these down or take a screenshot, because you'll need them to set up direct deposit or transfers later.
Opening an account at a Chase branch
Find a Chase branch near you using their branch locator on Chase.com. Bring your government-issued ID and your Social Security number or ITIN. You don't need an appointment, but going early in the morning or on a weekday afternoon usually means a shorter wait.
Tell the person at the desk you want to open an account. They'll walk you through the same questions as the online process — what type of account, your personal information, and how you want to fund it. They can answer questions about the different account types and help you choose. Bring a debit card, another bank account number, or a check to fund the account right there.
The whole process usually takes 15 to 30 minutes. You'll get your account number and routing number before you leave, and your account is active when ready. Some branches can order a debit card for you on the spot, though it will arrive by mail in a few days.
Opening an account by phone
Call Chase at 1-800-935-9935 to open an account over the phone. Have your ID, Social Security number, and funding information ready. A Chase representative will ask the same questions as the online or in-person process and can answer questions about account types.
You'll need to verify your identity by answering security questions based on your credit history. This usually takes a few minutes. Then you'll choose how to fund the account — by debit card, bank account transfer, or check. Your account is usually approved the same day, and you'll get your account number and routing number over the phone.
Understanding Chase account types and fees
Chase offers several checking and savings accounts with different features and monthly fees. The Chase Total Checking account has a monthly fee, but you can waive it by keeping a minimum balance, setting up direct deposit, or maintaining a linked savings account. The Chase find Checking account is designed for people new to banking or rebuilding credit, and it has different requirements.
For savings, Chase Savings earns interest on the money you keep there, though the rate changes based on market conditions. Chase also offers Money Market Accounts, which usually earn higher interest but require a larger balance.
Compare the monthly fees, minimum balance requirements, and interest rates before you choose. If you're not sure which account fits your situation, ask a Chase representative — they can explain the differences and help you pick the right one.
What happens after you open your account
Once your account is open, you can use it right away. If you opened online or by phone, your debit card will arrive by mail in 7 to 10 business days. You can request a temporary card number to use online or in stores before the physical card arrives. If you opened at a branch, ask whether they can order a card for you on the spot.
Set up online banking by going to Chase.com and creating a username and password. This lets you check your balance, transfer money, pay bills, and see your transaction history anytime. You can also read the Chase mobile app to manage your account from your phone.
If your employer offers direct deposit, give them your account number and routing number so your paycheck goes straight into your account. You can find both numbers on your first statement or by logging into online banking.
If you don't have a Social Security number
You can open a Chase account using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. An ITIN is a nine-digit number the IRS issues to people who need to file taxes but don't have a Social Security number. You can get an ITIN by filing Form W-7 with the IRS.
When you open your account, tell Chase you're using an ITIN instead of a Social Security number. The process is the same — you'll still need a government ID and a way to fund the account. Some Chase branches are more experienced with ITIN accounts than others, so if you run into trouble at one branch, try another or call 1-800-935-9935.
Frequently Asked Questions
How much money do I need to open a Chase account?
Chase requires an initial deposit to open most accounts, but the amount varies by account type. Some accounts require $25, others $100 or more. You can ask a Chase representative what the minimum is for the specific account you want before you open it.
Can I open a Chase account if I have bad credit or a banking history problem?
Yes. Chase offers the find Checking account for people new to banking or with past banking issues. It has different requirements than their standard checking account and may have a monthly fee. You can also call 1-800-935-9935 to ask about your specific situation.
How long does it take to open a Chase account online?
The online process usually takes 10 to 15 minutes if you have your documents ready. Your account is typically approved the same day, though it can take up to one business day in some cases. Your debit card arrives by mail in 7 to 10 business days.
Do I need to be a U.S. citizen to open a Chase account?
No. You need a valid government-issued ID and either a Social Security number or an ITIN. Many non-citizens open Chase accounts using an ITIN. Some branches are more experienced with this process, so ask or call 1-800-935-9935 if you have questions.
Can I open a Chase account for someone else?
You can open a joint account with another adult, or a parent or guardian can open an account for a minor. Go to a branch or call 1-800-935-9935 to ask about the options for your situation.