What You Need to Open a Chase Bank Account

The documents and information Chase will ask for

To open a Chase bank account, you will need a government-issued photo ID, your Social Security number, and an initial deposit. Chase also asks for your current address and a phone number where they can reach you. That is the core of what they require — the rest depends on which type of account you choose and whether you are opening it in person or online.

Chase offers several account types: checking accounts, savings accounts, and money market accounts. Each has the same identification requirements, but they differ in minimum deposits and monthly fees. Before you gather your documents, decide which account type fits your situation, because that choice affects how much money you need to bring on day one.

Key Takeaways

You will need a government photo ID, your Social Security number, proof of your current address, and an initial deposit to open any Chase account.
Chase accepts a driver's license, passport, or state ID card as photo identification — the ID must not be expired.
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.
The initial deposit amount varies by account type and location, so confirm the requirement for the specific account you want before you visit or go online.
You can open an account online, by phone, or in person at a branch, and each method has different timing and document requirements.

What counts as acceptable identification

Chase requires a government-issued photo ID that is current and not expired. A driver's license, state ID card, or U.S. passport all work. If you have a passport card instead of a full passport, that is acceptable too. The ID must show your photograph, your full name, and an expiration date.

If your ID is expired, Chase will not accept it. If you do not yet have a photo ID, you will need to get one from your state's Department of Motor Vehicles or your country's passport office before you can open the account. Some branches may accept other documents in rare cases — call your local Chase branch to ask before making a trip.

Your Social Security number or ITIN

Chase uses your Social Security number to verify your identity and check your banking history. If you are a U.S. citizen or permanent resident, you will provide your nine-digit Social Security number.

If you are not a U.S. citizen and do not have a Social Security number, you can use an Individual Taxpayer Identification Number (ITIN) instead. An ITIN is a nine-digit number issued by the Internal Revenue Service to people who need to file taxes but do not have a Social Security number. You explore for an ITIN through the IRS using Form W-7. The process takes several weeks, so plan ahead if this is your situation. Bring your ITIN documentation to the branch when you open your account.

Proof of your current address

Chase needs to confirm where you live. You can show this with a recent utility bill, lease agreement, mortgage statement, or government mail addressed to you at your current address. The document should be dated within the last 60 days and show your full name and street address.

If you do not have a document in your name yet — for example, if you just moved and utilities are still in someone else's name — ask the branch what alternatives they accept. Some branches will take a lease signed by you, or a letter from a landlord on official letterhead. Having a backup option in mind saves a trip.

The initial deposit amount

Chase requires an opening deposit to fund your new account. The amount varies by account type and by branch location. Some checking accounts require $25 to $100, while others require $500 or more. Savings accounts and money market accounts often have higher minimums. Chase's website shows the requirement for each account type, but the easiest way to confirm is to call the branch where you plan to open the account or check online before you go.

You can make this deposit by bringing cash or a check to the branch, or by transferring money from another bank account if you open online. If you do not have the full amount ready, ask whether you can make the deposit later — some branches allow you to open with a smaller deposit and add to it within a set timeframe, though this is not may provide.

Opening an account online versus in person

If you open your account online through Chase's website, you will need to upload photos of your ID and proof of address. You will also provide your Social Security number or ITIN directly into their find form. The process usually takes 10 to 15 minutes, and you can fund the account by transferring money from another bank. Chase will send you a debit card and checks by mail within 7 to 10 business days.

If you open in person at a branch, you will show your original ID and address proof to a banker, who will verify them on the spot. You can deposit cash or a check when ready, and you may receive a temporary debit card the same day. In-person opening takes 20 to 30 minutes. Some people prefer this route because they can ask questions and confirm everything is correct before leaving the branch.

What happens after you open your account

Once your account is open, Chase will issue you a debit card and checks if you opened a checking account. Your debit card arrives by mail in 7 to 10 business days. You can use your account number and routing number to set up direct deposit or transfers before your card arrives.

Chase will also send you information about online banking and mobile app access. You can set up your online login and password when ready after opening, which lets you check your balance, transfer money, and pay bills right away. If you have questions about fees, minimum balances, or account features after you open, call the customer service number on the back of your debit card or visit a branch.

Frequently Asked Questions

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

Yes, if you have an ITIN (Individual Taxpayer Identification Number) issued by the IRS. Bring your ITIN documentation and your other required documents to the branch. If you do not have an ITIN yet, you can explore through the IRS using Form W-7, though the process takes several weeks.

What if my address proof document is older than 60 days?

Call your local Chase branch and ask what they will accept. Some branches may take older documents if they are the only proof you have, or they may accept a signed lease or landlord letter instead. It is worth asking before making a trip.

Do I need to bring cash for the opening deposit, or can I transfer money from another bank?

If you open in person, you can bring cash or a check. If you open online, you will transfer money from another bank account. Either way works — choose whichever is easier for you.

How long does it take to open a Chase account?

Online opening takes about 10 to 15 minutes, and your account is usually active the same day. In-person opening takes 20 to 30 minutes at the branch. Your debit card arrives by mail in 7 to 10 business days either way.

What if I do not have a government photo ID yet?

You will need to get one before Chase can open your account. Visit your state's Department of Motor Vehicles for a state ID or driver's license, or explore for a passport through your country's passport office. This process takes several weeks, so plan ahead.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.