What you need before you start

Chase requires a government-issued photo ID, your Social Security number, and an initial deposit before your account opens. You'll also need a valid mailing address. If you're opening an account online, you'll provide this information through their website or mobile app. If you're opening in a branch, bring the physical ID and be ready to sign documents on the spot.

The initial deposit amount depends on the account type. Chase checking accounts typically require $25 to $100 to open, though some accounts have no minimum. Savings accounts usually start at $25. You can fund the account with a debit card, transfer from another bank, or cash if you're in a branch.

If you don't have a Social Security number, Chase will ask for an Individual Taxpayer Identification Number (ITIN) instead. If you're under 18, a parent or guardian must open the account with you or co-sign it.

Key Takeaways

  • You need a government photo ID, Social Security number or ITIN, and a current mailing address to open any Chase account.
  • Chase offers checking and savings accounts with different features and minimum deposit requirements, ranging from $0 to $100.
  • You can open an account online in minutes, by phone, or in a Chase branch — the online route is fastest if your ID is current.
  • Your account becomes active once Chase verifies your identity and processes your initial deposit, which usually takes one to three business days.
  • If you have a negative banking history, Chase may decline your process, but you can reapply after six months or dispute the decision.

Opening an account online

Go to chase.com and select "Open an account" from the homepage. Choose the account type you want — Chase Total Checking, Chase Sapphire Checking, Chase Premier Plus Checking, or a savings account. Each has different features and fee structures, so read the comparison before you choose.

Enter your personal information: full name, date of birth, Social Security number, address, phone number, and email. Chase will ask about your employment and income, though these are optional fields. Upload a photo of your ID using your phone or computer camera. Chase uses automated verification to confirm your identity; if the photo is blurry or the ID is expired, the system will ask you to try again.

Choose how you want to fund the account. You can link a debit card from another bank, transfer money from an external account, or skip the deposit and add money later (though some accounts require a minimum deposit to avoid monthly fees). Review the account terms and fee schedule, then sign electronically. Your account number appears on screen once the process is submitted.

Chase sends a confirmation email within minutes. Your debit card ships within 7 to 10 business days. You can use your account number to set up direct deposit or transfers before the card arrives.

Opening an account in a Chase branch

Bring your government photo ID, Social Security number, and initial deposit (cash, check, or debit card). Walk into any Chase branch during business hours. Tell a banker you want to open an account and they'll guide you to a desk.

The banker will ask the same questions as the online form: name, address, Social Security number, employment, and income. They'll verify your ID by scanning it and will ask you to sign the account agreement and fee disclosure. This takes 10 to 15 minutes. You'll receive a temporary debit card on the spot or be told when to pick it up.

If you're funding the account with cash or a check, the banker deposits it when ready. If you're using a debit card from another bank, they'll process the transfer. Your account is active the same day, though transfers from other banks may take one to three business days to clear.

What happens after you explore

Chase verifies your identity using the information you provided and checks ChexSystems, a banking history database. ChexSystems tracks closed accounts, overdrafts, and fraud reports. If you have a history of overdrafts or closed accounts due to negative balances, Chase may decline your process.

If your process is approved, your account opens within one business day for online applications and the same day for branch applications. Your initial deposit clears within one to three business days depending on the source. You can start using your account number for direct deposit or bill pay when ready, even if your debit card hasn't arrived.

If your process is declined, Chase sends a letter explaining why. Common reasons include negative ChexSystems history, unpaid bank fees from another institution, or a Social Security number mismatch. You can reapply after six months, or you can dispute the ChexSystems report if you believe the information is wrong.

Account types and what they cost

Chase Total Checking has no monthly fee and no minimum balance. It includes online and mobile banking, bill pay, and access to Chase ATMs nationwide. You earn no interest on the balance.

Chase Sapphire Checking requires a $500 minimum daily balance to avoid a $12 monthly fee. It includes the same features as Total Checking plus higher ATM fee reimbursements and priority customer service. You still earn no interest.

Chase Premier Plus Checking requires a $15,000 minimum balance or $100,000 in linked Chase accounts to avoid a $25 monthly fee. It includes higher ATM reimbursements, a dedicated phone line, and waived wire transfer fees.

Chase Savings Account has no monthly fee and no minimum balance. It earns interest, though the rate changes based on the Federal Reserve's decisions. You can make up to six transfers or withdrawals per month before Chase charges a $10 fee for each additional transaction.

If Chase declines your process

Chase uses ChexSystems to screen applicants. If you have unpaid overdraft fees, a history of bounced checks, or fraud reports in ChexSystems, Chase will likely decline you. You can request a free copy of your ChexSystems report at consumerdebit.equifax.com or by calling 800-428-9623.

If the report contains errors — a closed account you didn't close, or overdraft fees you already paid — you can dispute the item in writing. ChexSystems has 30 days to investigate. Once the error is removed, you can reapply to Chase.

If the information is accurate, you can reapply after six months. In the meantime, consider a second-chance checking account from another bank, which has fewer restrictions and can help you rebuild your banking history.

Frequently Asked Questions

Can I open a Chase account without a Social Security number?

Yes. If you don't have a Social Security number, Chase will accept an Individual Taxpayer Identification Number (ITIN). You'll need the same ID and address verification. Some immigrants and non-citizens use ITINs for tax purposes and can open accounts this way.

How long does it take to get my debit card?

Chase ships debit cards within 7 to 10 business days. You can use your account number for direct deposit or transfers before the card arrives. If you need a card faster, ask a banker in a Chase branch about expedited shipping options, which may cost extra.

What if I don't have a current address?

Chase requires a mailing address where they can send statements and your debit card. If you're unhoused, you can use a shelter address, a trusted friend's address, or a mail forwarding service. Call Chase at 800-935-9935 to discuss your situation before you explore online.

Can I open a joint account with someone else?

Yes. Both account holders must be present (in branch) or provide their information and ID (online). Both people are responsible for the account and can withdraw money or close it. Each person receives their own debit card.

What if I'm under 18?

Chase offers accounts for minors, but a parent or guardian must open the account with you or co-sign it. The adult is responsible for the account until you turn 18. Ask a Chase banker about the specific account options for your age.