What Chase asks for when you open a checking account
Chase requires a government-issued photo ID, your Social Security number, and an initial deposit to open a checking account. The ID can be a driver's license, passport, or state ID card. You'll also need to provide your current address and a phone number. If you're opening the account in person at a branch, bring these documents with you. If you're opening online, you'll enter this information into their process and may need to verify your identity through additional steps.
The initial deposit amount varies by account type. Some Chase checking accounts require a minimum opening deposit of $25, while others may ask for $100 or more. Chase will tell you the specific amount when you choose which account you want to open. You can fund the account with a debit card, transfer from another bank account, or cash if you're at a branch.
Key Takeaways
- You need a government-issued photo ID, Social Security number, current address, and phone number to open any Chase checking account.
- Chase requires an initial deposit that ranges from $25 to $100 or more depending on which account type you choose.
- You can open an account online, by phone, or in person at a Chase branch, and the documents you need are the same for all three methods.
- If you don't have a Social Security number, Chase offers accounts for non-U.S. residents using an Individual Taxpayer Identification Number (ITIN) instead.
Opening an account online versus in person
Opening online takes about 10 minutes and you can do it from home. You'll enter your personal information, choose your account type, and verify your identity. Chase typically confirms your identity by asking questions about your credit history or by sending a verification code to your phone or email. Once you're approved, you can start using your account when ready, though your debit card will arrive by mail within 7 to 10 business days.
Opening in person at a Chase branch takes longer—usually 20 to 30 minutes—but a banker can answer questions as you go. You'll bring your documents, complete the process on a tablet or paper, and make your initial deposit. You may receive a temporary debit card on the spot, depending on the branch. In-person opening is useful if you want to ask about different account types or if you've had trouble with online identity verification in the past.
If you don't have a Social Security number
Chase will accept an Individual Taxpayer Identification Number (ITIN) in place of a Social Security number. An ITIN is issued by the IRS to people who are not U.S. citizens but need to file taxes or conduct financial business in the United States. You'll need to bring your ITIN documentation along with your other ID.
If you don't have either a Social Security number or an ITIN, you cannot open a standard Chase checking account. Some banks offer accounts for non-residents without a Social Security number, but Chase's policy requires one or the other. You can contact your local Chase branch to confirm their current requirements, as policies can vary slightly by location.
Documents to bring if you're opening in person
| Document | Why Chase needs it | What counts |
|---|---|---|
| Government-issued photo ID | Proves your identity | Driver's license, passport, state ID card, or military ID |
| Social Security number or ITIN | Required for tax reporting and fraud prevention | Your SSN or ITIN card, or a document showing your number |
| Proof of current address | Confirms where you live | Recent utility bill, lease, mortgage statement, or government mail dated within the last 60 days |
| Initial deposit | Funds your new account | Cash, check, or debit card (some branches may not accept checks) |
What happens after you open your account
Once your account is open, you can use Chase's online banking and mobile app right away. You can set up direct deposit, transfer money between accounts, and pay bills online. Your physical debit card arrives by mail within 7 to 10 business days. If you need a card sooner, some branches can issue a temporary card or expedite delivery for a fee.
Chase will send you account statements either by mail or email, depending on what you choose during setup. You can also view your balance and transactions anytime through their app or website. If you have questions about your account after opening, you can call Chase customer service, visit a branch, or use the chat feature in their mobile app.
Account types and what they cost
Chase offers several checking account types, each with different features and monthly fees. The Chase Total Checking account has a monthly service fee of $12, but the fee is waived if you maintain a minimum balance, set up direct deposit, or meet other conditions. The Chase Premier Plus Checking account is designed for customers with higher balances and has a higher monthly fee but more benefits.
Some Chase checking accounts have no monthly fee at all if you meet certain requirements, such as maintaining a minimum balance or setting up direct deposit. When you open your account, Chase will show you the fee structure for each account type so you can choose the one that fits your situation. You can also change account types later if your needs change.
Frequently Asked Questions
Can I open a Chase checking account if I have bad credit?
Chase does not check your credit score when you open a checking account. However, they do run a check through ChexSystems, which is a banking history report. If you've had problems with a previous bank account—such as unpaid overdrafts or fraud—Chase may deny your process. You can contact Chase directly to ask if your history will affect your ability to open an account.
What if I don't have a physical address?
Chase requires a current address to open an account. If you don't have a permanent address, you may be able to use a shelter address, a friend's address with their permission, or a mail forwarding service address. Contact your local Chase branch to ask what they will accept, as policies can vary.
How long does it take to get approved?
If you open online, you usually get approved within minutes. If you open in person, approval happens on the spot. In rare cases, Chase may need additional information and will contact you within one business day. Your debit card arrives by mail within 7 to 10 business days after approval.
Can someone else open an account for me?
No. You must open the account yourself and be present to verify your identity. Chase cannot open an account on your behalf, even if you give them permission. If you need help, you can bring someone with you to the branch, but you must be the one to sign the documents and provide your information.
What if I lose my job or my address changes after I open the account?
You can update your address anytime through Chase's app, website, or by visiting a branch. A job change does not affect your checking account. If you move, update your address as soon as possible so Chase can send statements and cards to the right place.