You can open a Chase checking or savings account online in about 10 minutes, or visit a branch in person with your ID and Social Security number

Chase offers two main ways to open an account: through their website or mobile app, or by walking into a branch. The online route is faster and you can start using your account the same day. In-person opens take longer but let you ask questions and handle everything face-to-face. Either way, you'll need a valid government ID, your Social Security number, and an initial deposit (though some accounts waive this).

The account you choose matters because Chase's checking accounts have different fee structures, minimum balance requirements, and benefits. A student might pick a different account than someone managing a household budget. Knowing what you actually need before you start prevents frustration later.

Key Takeaways

  • Online account opening takes 10 minutes and requires a valid ID, Social Security number, and an initial deposit amount (which varies by account type).
  • Chase checking accounts have different monthly fees and minimum balance requirements — some accounts waive fees if you maintain a certain balance or set up direct deposit.
  • You can open an account on Chase.com or through the Chase Mobile app, and your account number and debit card arrive by mail within 7 to 10 business days.
  • In-person opens at a Chase branch take longer but let you ask about account features and sometimes waive initial deposit requirements.
  • If you have a recent late payment, collection account, or ChexSystems issue, Chase may decline your application, and you won't know until after you submit.

Opening an account online through Chase.com

Go to Chase.com and click "Open an account" or "Sign up" — the button location changes but it's always on the homepage. You'll choose between checking and savings, then pick which specific checking product fits your situation. Chase rotates which accounts they're promoting, so you may see options like Chase Total Checking, Chase Sapphire Checking, or Chase Premier Plus Checking. Read the fee and minimum balance details for each before you pick.

The form asks for your name, address, date of birth, Social Security number, phone number, and email. You'll need to verify your identity — Chase usually does this by asking questions only you would know (based on your credit history) or by letting you upload a photo of your ID. This verification step takes a few minutes and happens right in the browser.

Next, you'll choose your initial deposit amount and how to fund it. You can transfer money from another bank account, use a debit card, or wire funds. If you're transferring from another bank, have that account number and routing number ready. After you submit, you'll get a confirmation number and temporary account details. Your physical debit card and checks arrive in 7 to 10 business days.

Opening an account through the Chase Mobile App

The Chase Mobile App has an "Open an account" option in the menu. The process is nearly identical to the website version — you choose your account type, fill in your personal information, verify your identity, and fund the account. Some people find the app easier because it's designed for phone screens and the steps feel more guided.

One advantage: if you already have a Chase account and are logged in, the app pre-fills some information and may skip certain verification steps. If you're a new customer, expect the same timeline and requirements as the website.

Opening an account in person at a Chase branch

Find your nearest Chase branch on their website or Google Maps. Bring a valid government ID (driver's license, passport, or state ID), your Social Security number, and your initial deposit. You don't need to call ahead — just walk in during business hours.

A banker will sit with you, explain the account options, and answer questions about fees, minimum balances, and features. This takes 20 to 30 minutes. Some branches waive the initial deposit requirement if you open in person, though this varies by location and account type. Ask before you commit.

You'll sign documents and fund the account on the spot. Your debit card is usually ordered that day and arrives within 7 to 10 business days. You can start using your account immediately with a temporary debit card number or by setting up transfers online.

What documents and information you need

Chase requires a valid government-issued photo ID — a driver's license, passport, state ID, or military ID all work. If your ID is expired, some branches may still accept it, but call ahead to confirm. You'll also need your Social Security number, which Chase uses to check your credit and verify your identity.

For your initial deposit, have the funding source ready. If you're transferring from another bank, you'll need that account's routing number and account number. If you're using a debit card, have the card itself. If you're wiring money, Chase will give you the wire instructions after you start the application.

If you're opening a joint account, both account holders need to be present (in person) or complete the online process separately with their own ID and Social Security number.

Minimum deposit requirements and account fees

Chase's minimum initial deposit varies by account type. Some checking accounts require $25 to open, while others ask for $100 or more. Savings accounts typically start at $25. If you don't have that amount right now, ask the branch banker whether they can waive it — some do, especially if you're setting up direct deposit.

Monthly maintenance fees range from $0 to $15 depending on the account. Chase waives fees on most checking accounts if you maintain a minimum balance (usually $500 to $1,500) or set up direct deposit. If you don't meet these conditions, you'll pay the monthly fee. Read the fee schedule for your specific account before you open it so there are no surprises.

What happens if Chase declines your application

Chase uses ChexSystems, a banking history database, to screen new accounts. If you have unpaid overdraft fees, a history of bounced checks, or fraud on a previous account, Chase may decline you. You won't know until after you submit your application — there's no way to check beforehand.

If you're declined, Chase will send you a letter explaining why and giving you contact information for ChexSystems. You can dispute inaccurate information in your ChexSystems file, though this takes time. Some people open accounts at banks with less strict screening (like online banks or credit unions) while they work on fixing their ChexSystems record.

Using your new account before your debit card arrives

Your debit card takes 7 to 10 business days to arrive by mail. In the meantime, you can use your account through Chase's website or app to set up bill pay, transfer money, or receive direct deposits. Some branches issue a temporary debit card number on the spot that works for online purchases right away.

If you need cash before your card arrives, you can visit a Chase branch and withdraw from your new account using your ID and account number. You can also set up transfers to another bank account you own, or have someone send you money through Zelle if your account is linked to it.

Frequently Asked Questions

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

Chase offers accounts for minors, but they must be opened with a parent or guardian present in a branch. The adult becomes a joint account holder and has full access to the account. Some branches have specific youth accounts with lower fees and limited features.

How long does it take to open an account online?

The application itself takes 10 to 15 minutes. Identity verification happens immediately in most cases. Your account is active the same day, though your physical debit card and checks arrive in 7 to 10 business days.

Can I open a joint account online?

Both account holders must complete the online application separately with their own ID and Social Security number. Chase will then link the accounts. Some branches prefer joint accounts to be opened in person so both people can sign documents together.

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

Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you don't have either, you'll need to obtain one before applying. Some branches can provide information about the ITIN process.

Do I need an initial deposit to open an account?

Most Chase accounts require a minimum initial deposit of $25 to $100. Some branches waive this requirement if you open in person or set up direct deposit. Call your local branch to ask whether they can waive the deposit for your situation.