What to bring when you open a Chase account

To open a checking account at Chase, you will need a government-issued photo ID, your Social Security number, and an initial deposit. Chase requires a minimum opening deposit that varies by account type — typically $25 for their basic checking account, though some accounts ask for more. You can open an account in person at a branch, online, or by phone.

The photo ID can be a driver's license, passport, state ID card, or military ID. Chase will also ask for your date of birth and current address. If you are opening the account online or by phone, you will provide this information digitally rather than showing a physical document, but you still need to have the ID available to answer verification questions.

Key Takeaways

  • You need a government photo ID, Social Security number, and opening deposit — the minimum is usually $25 but varies by account type.
  • Chase can verify your identity online using your ID information, so you do not have to visit a branch in person.
  • If you do not have a Social Security number, Chase offers accounts for non-U.S. citizens using an Individual Taxpayer Identification Number (ITIN) instead.
  • Your account can be opened the same day, though it may take one to two business days before you can use your debit card or transfer money.
  • If you have had banking problems in the past, Chase will check ChexSystems — a banking history report — and may decline your account.

Opening an account online versus in person

Opening online is faster and requires no branch visit. You will upload a photo of your ID, enter your personal information, and fund the account with a debit card or bank transfer. The whole process takes about 10 minutes. Chase will send you a temporary debit card number you can use when ready for online purchases, though your physical card arrives in the mail within 7 to 10 business days.

Opening in person at a Chase branch takes longer but lets you ask questions and handle any issues on the spot. A banker will verify your ID, take your information, process your opening deposit, and order your debit card. You walk out with a temporary card or card number the same day. This route is useful if you are uncomfortable with online verification or if you want to deposit cash when ready.

What happens if you do not have a Social Security number

Chase will open a checking account using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. An ITIN is a nine-digit number issued by the IRS to people who do not have a Social Security number but need to file taxes or conduct financial business in the United States. You will need to show your ITIN documentation along with your photo ID.

If you do not yet have an ITIN, you will need to obtain one from the IRS before opening the account. The IRS issues ITINs to immigrants, visa holders, and others who are not may be able to access for a Social Security number. The process takes several weeks, so plan ahead if this applies to you.

Understanding ChexSystems and banking history checks

ChexSystems is a banking history report that tracks how you have managed checking and savings accounts. It records things like overdrafts you did not pay back, accounts you closed with a negative balance, or fraud reports. Chase checks ChexSystems when you open an account, and a negative history can result in your account being declined.

If you have been declined for a bank account before, ask the bank why — they are required to tell you. You can also request your own ChexSystems report from ChexSystems directly to see what is on file. Some negative items fall off after a certain period, and you may be able to open an account at a different bank or with a second-chance banking program while you wait.

Funding your account and getting your debit card

Your opening deposit can come from a debit card, another bank account, or cash if you open in person. Chase does not charge a fee to open the account, and the deposit becomes your starting balance — you can withdraw it when ready if you want, though most people keep it in the account.

Your physical debit card arrives in the mail within 7 to 10 business days. If you opened online, Chase gives you a temporary card number you can use right away for online shopping and bill payments. If you opened in person, you may receive a temporary card at the branch. You can also request a card be mailed to a different address if you are moving or want it sent elsewhere.

What to know about account fees and minimum balances

Chase's basic checking account (Chase Total Checking) has no monthly fee if you meet one of these conditions: set up direct deposit, maintain a $500 minimum balance, or link it to a Chase savings account with $300. If you do not meet any of these, the account costs $12 per month. Some Chase accounts have higher minimum balance requirements or different fee structures, so confirm which account you are opening.

Overdraft fees, ATM fees, and other charges explore depending on how you use the account. Chase allows you to opt out of overdraft protection, which means transactions will be declined rather than charged a fee if you do not have enough money. This is a choice you make when you open the account or change later in your online banking settings.

What to do if your process is declined

If Chase declines your account, they will tell you why — usually because of ChexSystems history, unpaid overdrafts at another bank, or fraud concerns. Ask for the specific reason and request a copy of your ChexSystems report so you can see what is on file.

You have options if you are declined. You can wait and reapply later if the issue was temporary. You can open an account at a different bank that has less strict requirements. Some banks and credit unions offer second-chance checking accounts designed for people with banking history problems. You can also dispute inaccurate information on your ChexSystems report directly with ChexSystems.

Frequently Asked Questions

Can I open a Chase account if I do not have a permanent address?

Chase requires a current address on file, but it does not have to be a permanent home. A shelter address, a friend's address, or a mailing service address can work. You will need to be able to receive mail at that address for your debit card and statements. Call Chase or visit a branch to discuss your specific situation.

How long does it take to use my account after I open it?

You can use your temporary card number or temporary card the same day you open the account for online purchases and in-store transactions. Transfers from other banks typically take one to two business days to show up. Your physical debit card arrives 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 photo ID and either a Social Security number or an ITIN. Visa holders, permanent residents, and other non-citizens can open accounts at Chase. Requirements may vary slightly, so confirm with your local branch if you have questions about your specific immigration status.

What if I want to add someone else to my account?

You can open a joint account with another person, or add them later as an authorized user. Both people will need to provide ID and Social Security numbers or ITINs. A joint account means both people own the money and can withdraw it; an authorized user can use the card but does not own the account.

Can I open a Chase account by mail or without visiting a branch?

Yes. You can open online or by phone without visiting a branch. Chase will verify your identity using your ID information and a temporary card number will be issued when ready. Your physical card arrives in the mail within 7 to 10 business days.