What Chase asks for when you open a checking account

Chase will ask for a government-issued photo ID, your Social Security number, and proof of your current address. You'll also need to bring money to open the account — Chase requires a minimum opening deposit that varies by account type, usually between $25 and $100. You can bring a debit card, cash, or a check from another bank.

The process takes about 15 to 20 minutes in a branch. You can also open an account online if you already have a Chase account or a relationship with Chase, though new customers typically need to visit a branch or call to complete the process by phone.

Key Takeaways

  • You need a government photo ID, your Social Security number, and proof of your address — usually a recent utility bill, lease, or bank statement.
  • Chase requires a minimum opening deposit between $25 and $100 depending on which checking account you choose.
  • If you don't have a Social Security number, you can use an Individual Taxpayer Identification Number (ITIN) instead, though some Chase branches may require you to call ahead.
  • Bring original documents, not copies — Chase will not accept photocopies of your ID or address proof.
  • If you're under 18, a parent or guardian must be present and will need to provide their own ID and Social Security number.

Documents to bring to a Chase branch

Bring your original government-issued photo ID — a driver's license, passport, state ID card, or military ID all work. Chase will not accept a copy. Your ID must be current and not expired.

For proof of address, bring a recent document with your name and current street address. A utility bill, lease agreement, mortgage statement, or bank statement from the past 30 to 60 days will work. Again, bring the original or a recent statement — not a photocopy.

You'll also need to provide your Social Security number verbally or on the account form. If you don't have a Social Security number, bring your ITIN (Individual Taxpayer Identification Number) instead. Some branches may ask you to call ahead if you plan to use an ITIN, so it's worth confirming before you visit.

The minimum deposit and account types

Chase offers several checking account options, and the minimum opening deposit depends on which one you choose. The Chase Total Checking account typically requires $25 to open. The Chase Premier Plus Checking account usually requires $100. Both amounts can be deposited by cash, debit card, or check from another bank.

If you don't have $25 or $100 available right now, ask the banker whether you can make the deposit in two parts — some branches will allow you to deposit a smaller amount when ready and the rest within a few days. This varies by location, so it's worth asking.

Once your account is open, you won't lose the account if your balance drops below the minimum. The minimum is only required to open the account, not to keep it active.

If you don't have a Social Security number

If you have an ITIN but no Social Security number, you can still open a Chase checking account. Bring your ITIN documentation along with your ID and proof of address. Some Chase branches are more familiar with ITIN accounts than others, so calling ahead to confirm your local branch can process them will save you a trip.

If you have neither a Social Security number nor an ITIN, you may not be able to open a standard checking account at Chase. In that case, ask whether Chase offers a second-chance banking product or whether they can refer you to a bank or credit union in your area that works with people in your situation.

Opening an account online or by phone

Chase allows some customers to open a checking account online through their website, but this option is usually only available if you already have a Chase account or a relationship with Chase (such as a mortgage or credit card). If you're a completely new customer with no prior Chase accounts, you'll need to visit a branch or call Chase to complete the process.

If you call, a Chase representative will walk you through the information they need — your ID details, Social Security number, and address. They may mail you a temporary debit card or ask you to visit a branch to pick one up. The timeline for receiving your card and being able to use your account varies depending on how you open it.

What happens after you open the account

Once your account is open, you'll receive a debit card in the mail within 7 to 10 business days. You can use your account when ready through mobile banking or online banking, even before your physical card arrives. The banker will give you temporary access information or a temporary card you can use right away.

Your first statement will arrive about 30 days after you open the account. You can also view your balance and transactions online or through the Chase mobile app as soon as your account is active.

Frequently Asked Questions

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

Yes, if you have an ITIN (Individual Taxpayer Identification Number). Bring your ITIN documentation along with your ID and proof of address. Some branches handle ITIN accounts more regularly than others, so calling ahead is a good idea.

What if I don't have proof of address?

Chase needs to verify your current address. If you don't have a utility bill or lease, ask whether a bank statement, mortgage statement, or government mail with your name and address will work. If you're homeless or living temporarily, ask the banker what alternatives they can accept.

Can someone open a Chase account for me if I can't go to the branch?

No — Chase requires you to be present in person or to complete the process yourself by phone. A family member cannot open an account in your name. If you're unable to visit a branch, call Chase to see whether you can open the account by phone instead.

Do I need to have money in my account after I open it?

No. You only need the minimum deposit to open the account. After that, your balance can drop to zero without closing the account. However, if your balance falls below certain thresholds, Chase may charge a monthly maintenance fee depending on your account type.

What if I'm under 18?

A parent or legal guardian must be present and will need to provide their own ID and Social Security number. The account will be in your name, but the adult will have access to it until you reach the age of majority in your state (usually 18).