What to bring when you open a Chase checking account

Chase requires two forms of identification to open a checking account in person: one government-issued photo ID (like a driver's license or passport) and one additional form of ID that shows your current address. A recent utility bill, lease, or bank statement works for the address document. You will also need your Social Security number or Individual Taxpayer Identification Number (ITIN).

If you are opening an account online, Chase will ask for the same information but in digital form — you will photograph or upload your ID and provide your Social Security number or ITIN through their website or mobile app. The process takes about 10 minutes if your documents are ready.

You do not need to bring money to open the account, though Chase does require an initial deposit to set up it. The minimum opening deposit varies by account type, so check the current requirement on Chase's website or ask when you start the process.

Key Takeaways

  • Bring a government photo ID and a document showing your current address (utility bill, lease, or bank statement) to open an account in person.
  • You will need your Social Security number or ITIN, which you can provide in person or online.
  • Chase requires an initial deposit to set up your account, though the minimum amount varies by account type.
  • Online account opening takes about 10 minutes and uses the same documents as in-person opening, just uploaded digitally.
  • If you do not have a Social Security number, an ITIN is accepted as an alternative.

Opening an account in person at a Chase branch

Walk into any Chase branch with your photo ID, address document, and Social Security number or ITIN. A banker will ask you basic questions about how you plan to use the account — whether you want direct deposit, whether you will use the debit card, whether you want online banking. These answers help them recommend which checking account type fits you, but they do not determine whether you can open one.

The banker will review your identification, verify your information, and set up the account on their computer. They will ask you to sign documents and choose a PIN for your debit card. The whole process usually takes 15 to 20 minutes. You will leave with a temporary debit card or a card number you can use when ready, and a permanent card arrives by mail within 7 to 10 business days.

Opening an account online

Go to Chase's website or read the Chase mobile app and select "Open an account." You will be asked to enter your name, address, date of birth, and Social Security number or ITIN. Then you will photograph both sides of your government ID and upload a photo or document showing your current address.

Chase uses automated verification to check your identity against government records. If verification succeeds, your account opens when ready and you can start using it the same day. If there is a mismatch or unclear photo, Chase will contact you to resolve it — this usually takes one business day.

One limitation: if you are opening an account online and you do not already have a Chase account, you cannot set up a debit card online. You will need to visit a branch or call Chase to order a card, though you can use your account number to set up direct deposit or transfers right away.

Documents you might need if you are new to the U.S. banking system

If you do not have a U.S. government-issued photo ID, Chase will accept a passport from any country. If you do not have a Social Security number, you can use an ITIN, which is a nine-digit number issued by the IRS for tax purposes. You do not need to have filed taxes to get an ITIN — you can request one from the IRS even if you have no income.

If you do not have a lease, utility bill, or bank statement showing your current address, other documents work: a government benefits letter, a letter from your employer on company letterhead, or a recent tax return. The document must show your name and current street address and be dated within the last 60 days.

If you are opening an account but do not have an address yet — for example, if you just arrived and are staying with family — ask the banker or Chase customer service whether they can use a temporary address. Some branches will work with you; others require a permanent address before opening.

What happens after you open your account

Your checking account is ready to use when ready after opening, even before your physical debit card arrives. You can set up direct deposit using your account number and routing number, which the banker will give you. You can transfer money in from another bank account. You can use mobile check deposit through the Chase app to photograph and deposit checks.

Your debit card will arrive by mail within 7 to 10 business days. When it arrives, you will need to set up it — Chase sends instructions with the card, or you can set up it through the app or by calling the number on the back of the card.

Chase checking account types and their differences

Chase offers several checking accounts, and the one you open depends on how you plan to use it and what features matter to you. The most common are Chase Total Checking (which has no monthly fee if you meet one requirement, like setting up direct deposit or maintaining a minimum balance) and Chase Premier Plus Checking (which is designed for people who want more features and higher balance requirements).

Each account type has different monthly fees, minimum balance requirements, and perks like higher interest rates or fee waivers. The banker will explain the differences and help you choose, but you can also compare them on Chase's website before you go in. If you are new to banking, ask the banker which account is most common for people in your situation — they can usually recommend based on how you plan to use the account.

What to do if you cannot open an account in person or online

If you do not have the documents listed above, or if online verification fails and you cannot visit a branch, call Chase customer service at the number on their website. Explain what documents you do have. Chase has options for people in unusual situations — for example, if you are homeless, if you recently immigrated, or if you do not have a Social Security number yet.

Some branches also have specialists who work with people new to the U.S. banking system. If you call and explain your situation, Chase can often direct you to a branch near you that has handled similar cases before.

Frequently Asked Questions

Do I need a minimum deposit to open a Chase checking account?

Yes. Chase requires an initial deposit to set up your account, but the minimum amount varies by account type and changes occasionally. Check Chase's website or ask when you start the opening process. The minimum is usually between $25 and $100.

Can I open a Chase account if I do not have a Social Security number?

Yes. Chase accepts an ITIN (Individual Taxpayer Identification Number) instead. You can request an ITIN from the IRS even if you have no income. Bring your ITIN number when you open the account, just as you would a Social Security number.

How long does it take to open a Chase checking account online?

The process takes about 10 minutes if your documents are clear and your identity verifies automatically. If Chase needs to review your documents manually or contact you, it may take one business day. Your account is usually ready to use the same day you open it.

What if I do not have a recent utility bill or lease to show my address?

Other documents work: a government benefits letter, a letter from your employer on company letterhead, or a recent tax return. The document must show your name and current address and be dated within the last 60 days. Ask the banker what they have on file before you visit.

Can I use my account before my debit card arrives?

Yes. Your account is active when ready after opening. You can set up direct deposit, transfer money in from another bank, and deposit checks through the mobile app. Your physical debit card arrives by mail within 7 to 10 business days.