Yes, you can open most Chase accounts online without visiting a branch

Chase lets you open a checking or savings account entirely online through their website or mobile app. You do not need to go to a physical branch, though some account types require a branch visit or a video call with a banker. The whole process takes about 10 to 15 minutes if you have the right documents ready.

What you can and cannot do online depends on the specific account. Chase's basic checking and savings products open online. Specialty accounts like Chase Private Client or some business accounts require you to speak with a banker by phone or video, or to visit a branch in person.

Key Takeaways

  • Chase checking and savings accounts open online with a valid government ID, Social Security number, and initial deposit information.
  • You will need to verify your identity during signup, which Chase does by asking security questions based on your credit history.
  • Some accounts require a minimum opening deposit; others do not, so check the specific account terms before you start.
  • If you already have a Chase account, opening a second one online is faster because Chase already has your information on file.
  • Business accounts and specialty products require a phone or video call with a banker, not an online form.

What documents and information you need to have ready

Before you start, gather a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and your current address. Chase will ask for your employment information and annual income, though you can skip those fields if you prefer not to share them. You will also need a way to fund the account — either a debit card, another bank account, or a wire transfer.

If you are opening the account on a mobile device, the process is slightly different. Chase's app may ask you to take a photo of your ID for verification. Make sure the photo is clear and all four corners of the ID are visible, or the verification will fail and you will have to try again.

How identity verification works during signup

Chase verifies your identity by asking security questions based on information in your credit file — things like previous addresses you have lived at, past loans, or credit accounts. These questions appear during the signup process. You answer them, and Chase checks your answers against what is in your credit report. If you answer correctly, verification happens instantly and you move forward.

If you cannot answer the questions or answer them incorrectly, Chase will ask you to verify your identity another way. This usually means uploading a photo of your ID and a recent utility bill or bank statement showing your current address. The upload process takes a few minutes, and Chase reviews it within one business day.

Minimum deposit requirements by account type

Chase's basic checking accounts (like Chase Total Checking) have no minimum opening deposit. You can open the account with $0 and fund it later. However, some accounts do have minimums. Chase Premier Plus Checking, for example, requires a $25 minimum opening deposit. Chase Sapphire Checking requires $500.

Check the specific account you want to open before you start the application. Chase lists the minimum deposit on each account's product page. If you do not have the minimum available right now, you can choose a different account or wait until you do. You can always upgrade or switch accounts later.

What happens after you submit your application

If your identity verifies instantly and you meet all the requirements, your account opens right away. You will see your account number and routing number on screen, and you can start using the account immediately for transfers and direct deposits. Debit cards arrive by mail within 7 to 10 business days.

If verification takes longer — because you uploaded documents or answered security questions incorrectly — Chase will email you within one business day with a decision. If your application is denied, the email will explain why. Common reasons include address verification issues or a mismatch between the information you provided and what is in Chase's system.

Opening a second Chase account online

If you already have a Chase account, opening a second one is faster. Log into your existing Chase account online or in the app, go to the accounts section, and look for an option to open a new account. Chase will use the identity and address information it already has on file, so you skip most of the verification steps. The new account usually opens within minutes.

You can have multiple checking and savings accounts with Chase. There is no limit on the number of accounts you can open, though Chase may flag unusual patterns (like opening many accounts in a short time) and ask you to verify your identity again.

Accounts that require a branch visit or phone call

Chase business accounts, Chase Private Client accounts, and some specialty products cannot be opened online. If you want to open a business checking account, you will need to call Chase at their business banking line or visit a branch with your business license, EIN, and personal ID. A banker will walk you through the application and answer questions specific to your business structure.

If you are interested in Chase Private Client (their premium banking tier), you must speak with a banker by phone or video call. They will discuss your banking needs and set up the account with you directly. This usually takes 20 to 30 minutes.

Frequently Asked Questions

Can I open a Chase account if I have been denied before?

It depends on why you were denied. If you were denied for address verification or identity issues, those problems may be resolved now and you can try again. If you were denied for ChexSystems (a banking history report), you can still open an account, but Chase may require you to visit a branch or speak with a banker. Contact Chase directly to ask about your specific situation.

Do I need to have money in the account right away?

Most Chase checking accounts have no minimum opening deposit, so you can open with $0. However, some accounts require a minimum (usually $25 to $500). Check the account details before you apply. You can transfer money in after the account opens.

How long does it take to get a debit card after I open my account?

Debit cards arrive by mail within 7 to 10 business days. You can use your account for transfers and bill pay immediately, even before the card arrives. If you need a card faster, visit a Chase branch and ask for a temporary card or expedited shipping.

What if I live outside the United States?

Chase does not open accounts online for people living outside the U.S. You will need to visit a Chase branch in person or call their international banking line. Some Chase accounts are available to U.S. citizens living abroad, but the process is different and requires additional documentation.

Can I open a joint account online?

No. Joint accounts require both account holders to verify their identity and sign documents. You will need to visit a branch together or have one person open the account and add the other person later in person or by mail.