Chase's basic requirements to open a checking account

Chase requires three things to open a checking account: a valid government-issued photo ID, a Social Security number or Individual Taxpayer Identification Number (ITIN), and an initial deposit. You'll also need to be at least 18 years old. That's the foundation — everything else depends on which account type you choose and how you want to open it.

The initial deposit amount varies by account. Some Chase checking accounts require $25 to open, while others have no minimum. You can deposit cash, a check, or transfer money from another bank account. Chase will ask for your contact information — a current address, phone number, and email — so they can reach you about your account.

If you're opening an account in person at a branch, a Chase employee will verify your ID and walk through the process with you. If you're opening online, you'll upload a photo of your ID and answer security questions to confirm your identity. Both routes take about 10 to 15 minutes.

Key Takeaways

  • You need a valid photo ID, Social Security number or ITIN, and an initial deposit to open any Chase checking account.
  • The minimum deposit to open ranges from $0 to $25 depending on the account type, and you can deposit cash, a check, or a transfer.
  • Chase verifies your identity differently depending on whether you open in a branch or online — in-branch uses your physical ID, online uses a photo upload and security questions.
  • You must be at least 18 years old, and you'll need a current address, phone number, and email address on file.

What counts as a valid ID for Chase

Chase accepts a driver's license, state ID card, or passport as proof of identity. These are the most common forms. If you don't have one of these, you can also use a military ID or a tribal ID card issued by a federally recognized tribe.

Your ID must not be expired. Chase will check the expiration date when you show it in person, or when you upload a photo of it online. If your ID is expired, you'll need to renew it before you can open the account. The ID also needs to match the name and date of birth you provide on the process.

If you're opening an account online and don't have a photo ID yet, you have the option to finish the process in a branch instead. A Chase employee can help you complete the account setup using your ID in person.

Social Security number or ITIN requirements

Chase needs either a Social Security number (SSN) or an Individual Taxpayer Identification Number (ITIN) to open a checking account. The SSN is a nine-digit number issued by the Social Security Administration to U.S. citizens and some permanent residents. An ITIN is issued by the IRS to people who need to file taxes but don't have an SSN — this includes some immigrants and visa holders.

Chase uses this number to verify your identity and to report account activity to the IRS for tax purposes. If you don't have either number yet, you'll need to obtain one before opening the account. You can explore for an ITIN through the IRS if you're not may be able to access for an SSN.

If you're unsure whether you have an SSN or ITIN, check any tax documents, bank statements, or official mail you've received. Your number will be on those documents. If you've never had either, contact the Social Security Administration or the IRS to learn how to get one.

Initial deposit amounts by account type

Chase offers several checking account options, and the opening deposit requirement depends on which one you choose. The Chase Total Checking account requires a $25 minimum deposit to open. The Chase find Checking account, designed for people building or rebuilding credit, also requires $25. The Chase Student Checking account has no minimum deposit requirement.

You can meet the deposit requirement with cash, a check, or a transfer from another bank account. If you're opening in a branch, you can hand the teller cash or a check. If you're opening online, you'll provide your other bank's routing and account number to transfer money, or you can deposit a check by taking a photo of it with your phone.

After your account opens, there's no requirement to keep a minimum balance in most Chase checking accounts. However, some accounts offer better interest rates or waived fees if you maintain a certain balance — Chase will explain those details when you open the account.

Opening an account in person versus online

You can open a Chase checking account at any Chase branch during business hours, or you can start the process online at Chase.com and finish it in a branch if you prefer. Both routes require the same documents, but the experience is slightly different.

Opening in a branch means a Chase employee will verify your ID in person, answer questions about which account type fits your needs, and help you set up online banking and a debit card right away. You'll walk out with a temporary debit card or a card number you can use when ready. This route works well if you prefer talking to someone or if you want to deposit cash on the spot.

Opening online is faster if you already know which account you want. You upload a photo of your ID, answer security questions, and provide your contact and financial information. Chase will review your process and send you a confirmation email within minutes. Your debit card arrives by mail in 7 to 10 business days. Online opening works well if you're opening outside of branch hours or prefer not to visit a location.

What happens after you open the account

Once your account is open, Chase will issue you a debit card, which typically arrives within 7 to 10 business days if you opened online, or when ready if you opened in a branch. You'll also get online banking access right away, which lets you check your balance, transfer money, and pay bills from any device.

Chase will set up direct deposit information for you if you provide your employer's details. You can also set up automatic bill payments through Chase's bill pay service. Your account comes with a checkbook, which you can order through online banking or request at a branch.

If you have questions about your account after it opens, you can call Chase customer service, visit a branch, or use the Chase mobile app. Chase also sends account statements by email or mail, depending on your preference.

Frequently Asked Questions

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

No, Chase requires either a Social Security number or an ITIN. If you don't have either, you'll need to obtain one first. An ITIN can be obtained through the IRS if you're not may be able to access for an SSN. Contact the IRS or Social Security Administration to learn about your options.

What if my ID is expired?

Chase will not open an account with an expired ID. You'll need to renew your ID before you can proceed. Once you have a valid, unexpired ID, you can open the account in a branch or online.

Can I open an account if I'm under 18?

Chase requires account holders to be at least 18 years old. If you're under 18, a parent or guardian can open a Chase Student Checking account on your behalf, or you can wait until you turn 18 to open your own account.

Do I have to open the account in person?

No. You can open a Chase checking account entirely online at Chase.com. You'll upload a photo of your ID and provide your information. If you prefer to open in a branch or have questions during the online process, you can visit a location or call Chase customer service.

What if I don't have $25 for the initial deposit?

The Chase Student Checking account has no minimum deposit requirement. If you don't may have access to for that account, you can deposit $25 using a check or a transfer from another bank account — you don't have to use cash. Some Chase branches may also work with you on timing if you explain your situation.