You can open most Chase accounts online in about 10 minutes using a computer or phone

Chase lets you open a checking or savings account entirely online without visiting a branch. The process is straightforward: you provide personal information, verify your identity, fund the account, and you're done. Most accounts are active the same day or within one business day.

The exact steps depend on which account type you want. Chase offers several checking accounts (like Chase Total Checking and Chase Premier Plus Checking) and savings accounts (like Chase Savings and Chase Premier Savings), each with different monthly fees, minimum balances, and interest rates. You'll choose one during signup.

You'll need a valid government ID, a Social Security number, and a way to fund the account — either a debit card, another bank account, or a wire transfer. Chase also runs a background check using ChexSystems, a banking history database, to verify you don't have outstanding issues with other banks.

Key Takeaways

  • You can complete the entire signup process on Chase.com or the Chase mobile app without calling or visiting a branch.
  • Have your Social Security number, a valid government ID (driver's license or passport), and a funding source ready before you start.
  • Chase checks your banking history through ChexSystems; if you have unpaid fees or fraud flags at other banks, your account may be denied.
  • Your account is usually active the same day, though it may take one business day for your debit card to arrive or for linked accounts to sync.
  • If you're denied, you can reapply after 30 days or contact Chase directly to understand why.

What you need before you start

Gather these items before opening your browser. You'll need a valid government-issued ID — a driver's license, passport, or state ID card. Chase will ask you to verify it, and the name on your ID must match the name you use to open the account.

You'll also need your Social Security number. Chase uses this to run a credit check and verify your identity. If you don't have a Social Security number, you cannot open an account online; you'll need to visit a branch in person.

Finally, have a funding source ready. This can be a debit card from another bank, a checking or savings account at another bank (you'll provide the routing and account numbers), or a wire transfer. You don't have to fund the account immediately — Chase allows you to open it and add money later — but many people fund it during signup to activate the account faster.

The online signup process, step by step

Go to Chase.com and click "Open an Account" or use the Chase mobile app. You'll be asked to choose your account type first. Read the fee structure and features of each option; some accounts waive monthly fees if you maintain a minimum balance or set up direct deposit.

Enter your personal information: full name, date of birth, address, phone number, and email. Chase will send account confirmations and alerts to the email you provide, so use one you check regularly. You'll also create a username and password for online banking.

Next, Chase will ask you to verify your identity. You'll upload a photo of your government ID — both the front and back. The app or website will guide you through this; make sure the photo is clear and all text is readable. Some accounts may also ask you to answer security questions based on your credit history.

Then you'll choose whether to fund the account. If you want to link another bank account, enter the routing number and account number. If you're using a debit card, enter the card number and expiration date. Chase will verify the connection by depositing small amounts (usually under $1) into the linked account; you'll confirm these amounts to prove you own the account.

Review the terms and conditions, sign electronically, and submit. You'll see a confirmation screen with your new account number. Your account is now open.

What happens after you submit your application

Chase runs a ChexSystems check, which is a database of banking history. This typically takes a few minutes, but can take up to 24 hours. If you pass, your account is active immediately and you can use it right away — you can set up bill pay, transfer money, and use mobile banking.

Your debit card will arrive by mail within 7 to 10 business days. Until it arrives, you can still access your money through online transfers, ATM withdrawals using your account number, or by visiting a Chase branch.

If you linked another bank account during signup, Chase may place a temporary hold on transfers while it verifies the connection. Once verified (usually within one business day), you can transfer money freely between accounts.

If Chase denies your account

Chase may deny your account if ChexSystems shows unpaid overdraft fees, fraud, or other issues at another bank. You'll receive a letter explaining the reason. The most common reason is an outstanding balance or unresolved dispute with another financial institution.

You can reapply after 30 days. Before you do, contact the bank or institution listed in the denial letter and resolve any outstanding issues — pay fees, settle disputes, or clear your name. Then reapply.

If you want to understand the denial before waiting 30 days, you can call Chase at the number on your denial letter and ask for details. You can also request your ChexSystems report directly from ChexSystems (visit chexsystems.com) to see what information they have on file about you.

Choosing between checking and savings accounts

Chase checking accounts are designed for frequent deposits and withdrawals. They come with a debit card, online bill pay, and mobile check deposit. Most have a monthly maintenance fee ($12 to $15), but Chase waives it if you maintain a minimum balance, set up direct deposit, or meet other conditions. Read the fee schedule for the specific account you're considering.

Chase savings accounts earn interest on your balance, though the rate is typically low (often less than 0.01% annually, though this varies). These accounts limit you to six withdrawals per month under federal rules. They also have monthly fees, usually waived if you keep a minimum balance.

Many people open both: a checking account for daily spending and a savings account to set money aside and earn a small return. You can open both at the same time during the online process.

Linking your Chase account to other banks

After your account is open, you can link it to accounts at other banks for transfers. Chase uses Plaid, a third-party service, to verify and connect external accounts. During linking, you'll enter the other bank's login credentials (or authorize Plaid to access them), and Plaid will confirm the connection.

Once linked, you can transfer money between your Chase account and the external account. Transfers typically take one to three business days. If you need money faster, use your Chase debit card or visit an ATM.

Frequently Asked Questions

Can I open a Chase account if I'm under 18?

No, you must be at least 18 years old to open an account online. If you're younger, a parent or guardian can open a Chase student checking account at a branch with you present. Some student accounts have no monthly fees and lower minimum balances.

What if I don't have a Social Security number?

You cannot open an account online without a Social Security number. You'll need to visit a Chase branch in person. Bring your government ID and proof of address (a utility bill or lease). A branch representative can help you explore options if you don't have a Social Security number yet.

How long does it take to receive my debit card?

Debit cards typically arrive within 7 to 10 business days. You can use your account before the card arrives by transferring money online, using ATMs with your account number, or visiting a branch. If you need a card urgently, some branches can issue a temporary card on the spot.

Can I open an account on my phone?

Yes, the Chase mobile app supports full account opening. The process is identical to the website version. Make sure you have good lighting and a clear camera when uploading your ID photo.

What if my application is still pending after 24 hours?

Contact Chase customer service at the number on your confirmation email. Pending applications are usually resolved within one business day, but delays can happen if ChexSystems is slow to respond or if Chase needs to verify additional information. A representative can check the status and tell you what's needed.