You can open most Chase accounts online without visiting a branch, using your computer or phone
Chase lets you open a checking or savings account entirely online through their website or mobile app. The process takes about 10 minutes and requires a valid government ID, Social Security number, and initial deposit information. You'll have access to your account the same day in most cases, though some account types take one to two business days to fully activate.
The specific steps and requirements depend on which account type you choose and whether you're a new Chase customer or adding an account to an existing relationship. Chase also has different rules for customers under 18 and for those opening accounts from outside the United States.
Key Takeaways
- You need a valid government ID, your Social Security number, and a way to verify your identity — usually a phone number or email Chase can reach you at.
- Chase requires an initial deposit to open most accounts, though the minimum varies by account type and can be as low as $0 for some checking accounts.
- The online process works on both desktop and mobile, and you can fund your new account from another bank or with a debit card during signup.
- Your account number and routing number are usually available immediately, but some features like debit card ordering may take a business day to activate.
- If you already have a Chase account, opening a second one online is faster because Chase already has your identity information on file.
What you need before you start
Gather these items before opening your browser: a valid government-issued ID (driver's license, passport, or state ID card), your Social Security number, and your current address. Chase will ask you to verify your identity by confirming information they have on file or by receiving a code via text or email, so have your phone or email access ready.
If you plan to fund the account from another bank, have that bank's routing number and your account number from that bank available. If you're using a debit card instead, have the card number, expiration date, and CVV ready. Chase also accepts initial deposits by mail or in-branch transfer, but those take longer.
Step-by-step: opening an account on Chase.com
Go to Chase.com and click "Open an Account" or "Sign Up" in the top navigation. You'll see options for different account types — select the one you want (checking, savings, money market, or CD). Chase will ask you to choose whether you're a new customer or already have a Chase account; this determines which path you follow.
Enter your personal information: full name, date of birth, email address, phone number, and current address. Chase will ask for your Social Security number and will run a soft credit check to verify your identity. This does not affect your credit score. You'll then confirm your identity by entering a code sent to your phone or email.
Select your account features: overdraft protection, linked savings accounts, or other options depending on the account type. Choose how you want to fund the account — transfer from another bank, debit card, or mail a check. If transferring from another bank, enter that bank's routing number and your account number there. Review the account terms and fee schedule, then sign the electronic agreement.
You'll receive your account number and routing number on screen immediately. Chase will mail your debit card to your address on file within 7 to 10 business days. Some features, like online bill pay or the ability to order checks, may not be available until the next business day.
Opening an account on the Chase mobile app
The Chase mobile app has the same account opening process as the website. Download the app, tap "Open an Account" on the login screen, and follow the same steps: select account type, enter personal information, verify your identity, and fund the account. The mobile version is often faster on phones because it's designed for smaller screens.
One advantage of the app: if you already have a Chase account and are logged in, the app will pre-fill your information, so you only need to select the new account type and confirm your choices. You'll still receive your account number immediately and can start using mobile deposit or transfers the same day.
Minimum deposits and account types
Chase's minimum opening deposit varies by account. Chase Total Checking requires $0 to open online. Chase Premier Plus Checking requires $25. Chase Savings requires $0. Chase Money Market requires $2,500. Chase CDs (certificates of deposit) require $1,000 for most terms. These minimums can change, so check Chase.com for current requirements before you start.
If you don't have the minimum deposit amount, you can still open some accounts — Chase Total Checking and Chase Savings both have $0 minimums. You can also ask about in-branch options if you prefer to deposit cash, though that requires a visit to a branch location.
What happens after you submit your application
Chase will send you a confirmation email within minutes. Your account number and routing number are active immediately, so you can set up direct deposit or transfers right away. Your debit card will arrive by mail in 7 to 10 business days; you can request expedited shipping in some cases, but it costs extra.
If Chase needs more information to verify your identity, they'll contact you by phone or email. This usually happens if your address doesn't match records or if there's a discrepancy in the information you entered. Respond to their request within a few days to avoid delays in account activation.
Some account features won't be available until the next business day: online bill pay, check ordering, and the ability to link external accounts. You can still use your account number for direct deposit, transfers, and mobile deposit immediately.
If you're under 18 or opening from outside the US
Chase has different rules for minors. If you're under 18, you'll need a parent or guardian to co-sign the account. You can start the application online, but you'll need to complete it in a Chase branch with the adult present. Bring both IDs and Social Security numbers.
If you're opening an account from outside the United States, you'll need a US address and a US phone number. Chase cannot open accounts for non-residents without a US address. If you're a US citizen living abroad, you may be able to open an account if you have a US address to use (such as a family member's address), but call Chase directly at 1-800-935-9935 to confirm before you start the online process.
Frequently Asked Questions
Can I open a Chase account without a Social Security number?
No. Chase requires a Social Security number or ITIN (Individual Taxpayer Identification Number) to open any account. If you don't have one, you'll need to obtain it from the IRS before you can open an account. You can apply for an ITIN if you're not a US citizen but have a reason to file taxes.
How long does it take to get my debit card?
Chase mails debit cards within 7 to 10 business days. You can use your account number for transfers and direct deposit immediately, but you won't have a physical card until it arrives. Some Chase branches can issue a temporary card in-branch if you need one sooner.
What if my online application is denied?
Chase will tell you why during the application process or by email afterward. Common reasons include identity verification issues, a ChexSystems report (a banking history check), or an address mismatch. You can call Chase at 1-800-935-9935 to ask about the denial and whether you can reapply or fix the issue.
Do I need an existing Chase account to open a new one online?
No. You can open your first Chase account entirely online. If you already have a Chase account, the process is faster because Chase already has your information on file and can skip some verification steps.
Can I open multiple accounts at the same time?
You can open one account per application. If you want both a checking and savings account, complete one application, then start a second application for the other account type. Chase will link them automatically if they're in the same name.