You need a government ID, proof of address, and your Social Security number to open a Chase account in person or online

Chase requires the same core documents whether you walk into a branch or open an account on their website. You'll need a valid government-issued ID (driver's license, passport, or state ID card), a document showing your current address dated within the last 60 days, and your Social Security number. If you're opening online, you can upload photos of these documents. If you're in a branch, bring the originals.

The address document can be a utility bill, lease agreement, mortgage statement, or bank statement—anything official with your name and current address on it. Chase won't accept a PO box as a mailing address, though you can use one for statements if your physical address is on file. If you've moved recently and don't have a document yet, a lease or rental agreement works even if it's not yet dated by the landlord.

Chase also runs a background check through ChexSystems, a banking history database. This isn't a credit check and doesn't affect your credit score. If you've had problems with a previous bank account—overdrafts you didn't pay back, fraud, or closed accounts due to mismanagement—ChexSystems may flag it. Chase can still open your account, but they'll review the details first.

Key Takeaways

  • Bring a government ID, proof of address from the last 60 days, and your Social Security number whether you open in person or online.
  • Chase checks ChexSystems, a banking history database, but a flag there doesn't automatically disqualify you.
  • You must be at least 18 years old; minors need a parent or guardian to open a joint account.
  • Opening online takes 10 to 15 minutes and you can start using the account the same day; in-branch opening is faster but requires a visit.
  • Chase charges monthly maintenance fees on most accounts unless you meet balance or direct deposit requirements, so confirm the fee structure before you finish.

What happens if you don't have a current address document

If you've just moved and haven't received a utility bill or lease yet, bring what you have. A signed lease, even unsigned by the landlord, counts as proof of address. A recent email confirmation from your landlord or property manager showing your name and address may work if you bring it with a second form of ID. Call your local Chase branch before you go—policies vary slightly by location, and the branch manager can tell you what they'll accept.

If you're living with someone else temporarily and have no document in your name, some branches will accept a notarized letter from the person whose name is on the lease or utility bill, stating that you live there. This is less common and takes extra time, so confirm it's an option at your branch first.

Opening an account online versus in a branch

Online opening is faster and doesn't require you to leave home. You photograph your ID and address document, enter your information, and verify your identity through a video call with a Chase representative. The whole process takes 10 to 15 minutes. Your account opens when ready and you can use it the same day—you'll get a temporary debit card number for online purchases, and a physical card arrives in 7 to 10 business days.

In-branch opening takes 15 to 30 minutes depending on how busy the branch is. You hand over your documents, the banker verifies them on the spot, and you walk out with a temporary debit card. You won't wait for a physical card to arrive. In-branch opening is useful if you want to ask questions about account features or if you have an unusual situation the online system might flag.

Both routes require the same documents. The choice comes down to whether you prefer speed (online) or the ability to talk to someone in real time (branch).

Age requirements and accounts for minors

You must be at least 18 to open an account in your own name. If you're under 18, a parent or legal guardian can open a joint account with you. Both of you need to be present in the branch with your IDs and Social Security numbers. Chase doesn't offer teen-only accounts, so the parent's name appears on the account alongside yours.

Joint accounts mean both people can withdraw money, make transfers, and see all transactions. If you're concerned about privacy, talk to the parent or guardian about setting expectations before you open it. Some families use joint accounts specifically so the adult can monitor spending; others treat it as the young person's account with the adult as a backup.

Monthly fees and how to avoid them

Most Chase checking accounts charge a monthly maintenance fee—typically $12 to $15—unless you meet one of these conditions: maintain a minimum balance (usually $500 to $1,500 depending on the account type), set up direct deposit of at least $500 per month, or maintain a linked savings account with a certain balance. Chase also offers a free checking account called Chase Total Checking if you're under 18 or a student, though the student version expires when you turn 25.

Before you finish opening your account, look at the fee schedule for the specific account type you're choosing. Chase's website shows the requirements clearly. If you can't meet the balance or direct deposit requirement, ask whether a linked savings account would waive the fee, or whether the student or youth account is available to you.

What to do if ChexSystems flags your history

If you've had a checking account closed due to overdrafts, fraud, or mismanagement, ChexSystems will have a record. When you open a new account, Chase sees this flag. It doesn't mean you're automatically rejected—Chase reviews the details and makes a decision. Some flags are minor; others are serious enough that Chase declines.

If you're worried about your history, call Chase customer service before you explore and ask whether your situation would be a problem. Be honest about what happened. If Chase does decline, you can request a copy of your ChexSystems report to see what's listed. You have the right to dispute inaccurate information. Some banks are more lenient than Chase; if you're declined, you may have better luck with a smaller regional bank or credit union.

Documents you don't need but might want to bring

You don't need a credit card, employment verification, or a reference from another bank. Chase doesn't check your credit score when you open a checking account. You also don't need to bring a large deposit—you can open an account with $0 and deposit money later, though some branches may ask for a small opening deposit (usually $25 to $100) to set up the account when ready.

If you're opening in a branch and you have questions about linked savings accounts, credit products, or investment services, bring any documents related to those—but they're not required for the checking account itself. The banker can explain what you'd need if you decide to open those products later.

Frequently Asked Questions

Can I open a Chase account if I don't have a Social Security number?

No. Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) for all account holders. If you have an ITIN, bring it instead of an SSN. If you don't have either, you'll need to obtain one before you can open an account.

What if my ID is expired but still looks like me?

Chase will usually accept an expired ID as long as it's a government-issued document and you're clearly the person in the photo. Call your branch first to confirm, since policies can vary. A passport is a good backup if your driver's license is expired.

How long does it take to get my debit card if I open online?

Your physical debit card arrives in 7 to 10 business days. You get a temporary card number when ready for online purchases and can use it at ATMs the same day using your PIN. If you need the card faster, some branches can issue a temporary card in person.

Do I need to bring proof of income to open a checking account?

No. Chase doesn't require proof of income for a checking account. They only ask for it if you're opening a credit product like a credit card or line of credit. Direct deposit is optional and only matters if you want to waive the monthly fee.

Can someone else open an account on my behalf?

No. You must be present in person or on the video call during online opening. Chase needs to verify your identity directly. The only exception is for minors, where a parent or guardian must be present with the minor.