Yes, but Chase will ask for an Individual Taxpayer Identification Number instead

Chase does not require a Social Security Number to open a checking or savings account. If you don't have an SSN, you can open an account using an Individual Taxpayer Identification Number (ITIN), which the IRS issues to people who are not may be able to access for an SSN but need to file taxes or conduct financial business in the United States.

Chase will also accept a passport or other government-issued ID as proof of identity. The bank's main requirement is that you prove who you are and provide a tax identification number — either an SSN or an ITIN. Without one of these, Chase cannot open the account, because federal banking rules require it.

The process is the same whether you use an SSN or an ITIN. You'll provide the number during application, either online, by phone, or in a branch. Chase will verify the number with the IRS before the account opens.

Key Takeaways

  • Chase accepts an ITIN in place of an SSN to open a personal checking or savings account.
  • You will need a government-issued ID (passport, state ID, or driver's license) and proof of address, regardless of which tax ID you use.
  • An ITIN is issued by the IRS and takes four to six weeks to receive by mail after you submit Form W-7.
  • Chase verifies your tax ID with the IRS before opening the account, so the process may take a few extra days if you just received your ITIN.
  • Some Chase branches have staff trained to help customers without SSNs; calling ahead to confirm availability can save a trip.

How to get an ITIN if you don't have one

You request an ITIN by filing Form W-7 (Application for IRS Individual Taxpayer Identification Number) with the IRS. You can mail the form with supporting documents (a copy of your passport or visa, for example) to the IRS office that serves your state. The IRS website lists the correct mailing address by location.

Processing takes four to six weeks by mail. If you need the ITIN faster, you can apply in person at an IRS office or through an Acceptance Agent — a tax professional or community organization authorized by the IRS to process W-7 applications. Acceptance Agents can often issue a temporary ITIN number on the spot, which you can use to open a bank account while the IRS processes your permanent one.

You do not need to have filed taxes before to get an ITIN. The IRS issues them to non-citizens and others who need a tax ID for financial or employment purposes. Once you have the number, it does not expire and you can use it for all future banking and tax needs.

What documents Chase will ask for

Chase requires the same documents from everyone, regardless of whether you have an SSN or ITIN. You will need a government-issued photo ID (passport, state driver's license, or state ID card) and proof of your current address. Proof of address can be a utility bill, lease agreement, or bank statement dated within the last 60 days.

If you are opening the account online, Chase will ask you to upload photos of these documents or provide the information from them. If you open an account in a branch, bring the originals. Chase may also ask follow-up questions about the source of funds you plan to deposit, especially if you are depositing a large amount at the start.

Some Chase branches have staff trained to help customers without SSNs, particularly in areas with larger immigrant populations. If you are unsure whether your local branch can process your application, call ahead and ask to speak with someone who handles ITIN accounts.

Opening a Chase account online versus in a branch

Chase allows you to open most checking and savings accounts online, and the process is the same whether you have an SSN or ITIN. You enter your tax ID number during the application, upload your ID and proof of address, and Chase verifies the information with the IRS. The account usually opens within one to two business days if everything is in order.

Opening in a branch takes longer but gives you a chance to ask questions and confirm that the branch staff understands your situation. Some customers without SSNs report that in-branch applications move faster because the staff can resolve issues on the spot, rather than waiting for an automated system to process the documents.

If you open online and Chase's system flags your ITIN for manual review, you may receive a call or email asking for additional information. This is normal and does not mean your application was denied. Respond promptly to keep the process moving.

Which Chase accounts you can open without an SSN

You can open a Chase Total Checking or Chase Savings account with an ITIN. These are Chase's standard personal accounts and work the same way as accounts opened with an SSN. You get a debit card, online banking access, and the ability to set up direct deposit and automatic payments.

Some specialty accounts, such as Chase's high-yield savings or investment accounts, may have additional requirements. Call Chase at 1-800-935-9935 or visit a branch to ask about specific account types if you are interested in something beyond basic checking or savings.

Business accounts have different rules and typically require an Employer Identification Number (EIN) rather than an ITIN. If you are starting a business and need a business bank account, you will need to apply for an EIN through the IRS first.

What happens after your account opens

Once your Chase account is open, you can use it like any other account. You can deposit checks, transfer money, pay bills online, and use your debit card. Chase will send you a debit card and checks in the mail within five to seven business days.

If you later obtain an SSN, you can contact Chase and ask them to update your account. You will need to provide your SSN and verify your identity. Updating your account does not close it or require you to open a new one — it simply replaces the ITIN in Chase's system.

Keep your ITIN safe and treat it like your SSN. Do not share it with anyone you don't trust. If your ITIN is compromised or you suspect fraud, contact the IRS and Chase immediately.

Common reasons Chase might delay or deny your application

Chase may delay your application if the ITIN you provide does not match IRS records, if your ID has expired, or if your proof of address is too old. These are usually resolved by providing updated documents or correcting the information you entered.

Chase may also ask additional questions if you are depositing a very large amount of cash at the start, or if the bank's fraud detection system flags something unusual about your application. This is standard practice and not specific to ITIN accounts. Answer honestly and provide the documents Chase asks for.

Denial is rare if you have a valid ITIN and the required ID and proof of address. The most common reason for denial is providing false information or documents that don't match. If your application is denied, Chase will tell you why and whether you can reapply.

Frequently Asked Questions

Can I open a Chase account with just a passport and no ITIN?

No. Chase requires either an SSN or an ITIN. A passport proves who you are, but it does not satisfy the tax ID requirement. You must have an ITIN before you can open the account. If you don't have one yet, apply for it through the IRS first.

How long does it take to open a Chase account with an ITIN?

Online applications usually open within one to two business days if you have a valid ITIN and all required documents. In-branch applications may open the same day. If Chase needs to verify your ITIN with the IRS or review your documents manually, it may take three to five business days.

Will Chase report my ITIN to immigration authorities?

No. Banks are required to verify identity and tax information for all customers, but they do not report immigration status to any government agency. Your banking information is confidential. Opening a bank account does not affect your immigration status or create any legal risk related to it.

Can I use someone else's SSN or ITIN to open a Chase account?

No. You must use your own tax ID number. Using someone else's number is identity fraud and is a federal crime. Chase verifies the name on your ID against the tax ID you provide, so mismatches will be caught and the application will be denied.

What if I don't have a permanent address for my proof of address?

Chase requires a current address. If you are homeless or living temporarily, you may be able to use a shelter address, a friend's address with their permission, or a mailing address service. Call Chase at 1-800-935-9935 and explain your situation — staff can tell you what Chase will accept in your case.