What Chase requires before you can open an account

Chase requires a government-issued photo ID, your Social Security number, and an initial deposit to open a checking or savings account. The ID can be a driver's license, passport, or state ID card. You'll also need to provide your current address and a phone number. If you're opening an account online or by mail, Chase will verify your identity using the information you submit; if you're opening in a branch, bring the documents with you.

The initial deposit amount depends on the account type. Chase's basic checking account (Chase Total Checking) requires a minimum opening deposit, though this amount varies and may change. Some savings accounts have different minimums. You can fund the account with a debit card, transfer from another bank, or cash if you're in a branch. Chase will not open an account without this deposit.

Chase also runs a background check through ChexSystems, a banking history database. If you've had accounts closed for overdrafts, fraud, or other issues, Chase may deny your application. You can request your ChexSystems report before you apply if you're concerned about your history.

Key Takeaways

  • You need a government photo ID, Social Security number, current address, and phone number to open any Chase account.
  • Chase requires an initial deposit to open an account; the amount varies by account type and changes over time.
  • Chase checks your banking history through ChexSystems, and a record of overdrafts or fraud can result in denial.
  • You can open an account online, by mail, or in a branch, but the documents or information required are the same.
  • If you don't have a Social Security number, you may be able to use an Individual Taxpayer Identification Number (ITIN) instead, though not all account types accept this.

Opening an account online versus in a branch

Opening online is faster and requires no trip to a branch. You'll enter your personal information, upload or photograph your ID, and verify your identity through Chase's system. The process typically takes 10 to 15 minutes, and your account can be active the same day. You'll fund the account by linking a debit card or transferring money from another bank account.

Opening in a branch takes longer but lets you ask questions and handle everything face-to-face. Bring your ID, Social Security card (or ITIN documentation), proof of address (a utility bill or lease), and your initial deposit. The banker will verify your information on the spot and can answer questions about account features or fees. Your account is usually active immediately.

Opening by mail is an option if you can't visit a branch or prefer not to open online. You'll mail Chase a completed application, copies of your ID and proof of address, and a check for your initial deposit. This route takes the longest—typically two to three weeks—because Chase must receive and process your documents by mail.

What counts as proof of address

Chase accepts a recent utility bill, lease agreement, mortgage statement, or government-issued document showing your current address. "Recent" typically means within the last 60 to 90 days. A utility bill in your name is the easiest option. If you don't have one, a lease or rental agreement works, as does a property tax statement or homeowner's insurance bill.

Chase will not accept a PO box as your address. If you're homeless or living temporarily, ask the branch or call Chase directly about alternatives; some situations allow you to use a shelter address or a trusted contact's address with documentation of your arrangement.

If you don't have a Social Security number

Chase may open an account using an Individual Taxpayer Identification Number (ITIN) if you're a non-citizen or don't have a Social Security number for another reason. Not all account types accept ITIN, and policies vary by branch. Call Chase before you visit or apply online to confirm whether the account you want can be opened with an ITIN.

You'll need the same documents as anyone else—government ID, proof of address, and initial deposit—plus your ITIN documentation. If you're applying online, you may need to call Chase to complete the process, since the online system is designed for Social Security numbers.

What happens if Chase denies your application

Chase will tell you why your application was denied. Common reasons are a negative ChexSystems report, insufficient funds for the initial deposit, or an ID that doesn't match the information you provided. If the reason is ChexSystems, you can request your report and dispute errors on it directly with ChexSystems.

If you were denied because of a ChexSystems issue, you may be able to reapply after the negative item ages off your report (typically after five years) or after you've resolved the underlying issue—for example, by paying back overdrafts. Some banks offer second-chance checking accounts specifically for people with banking history problems; Chase does not, but other institutions do.

Minimum balance and account fees

Chase's checking accounts have no monthly fee if you meet one of several conditions: maintain a minimum balance (usually $500 to $1,500 depending on the account), set up direct deposit, or maintain a linked savings account with a minimum balance. If you don't meet any of these, Chase charges a monthly maintenance fee, typically $12 to $15.

Savings accounts also have monthly fees unless you maintain a minimum balance or link them to a may have access to checking account. The minimum balance requirement varies by account type. Review the specific account's terms before you open it, because fees can add up quickly if you don't meet the waiver conditions.

Frequently Asked Questions

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

Chase allows minors to open accounts, but a parent or guardian must be present and co-sign. The adult will need their own ID and Social Security number. Some Chase branches have youth savings accounts with lower or no minimum balance requirements, so ask about those options when you visit.

How long does it take to receive my debit card?

Chase typically mails your debit card within 7 to 10 business days of opening your account. You can use your account online or through mobile banking immediately, but you'll need the physical card for in-person purchases and ATM withdrawals. If you need a card faster, ask the branch whether they can issue a temporary card on the spot.

What if my ID is expired?

Chase generally accepts expired IDs as long as they're government-issued and the photo is clearly you. However, policies vary by branch and by how long ago the ID expired. Call your local Chase branch before you visit to confirm they'll accept your specific ID.

Do I need to open an account in person?

No. You can open most Chase accounts online without visiting a branch. Online opening is faster and you can do it anytime. You'll still need the same documents—ID and Social Security number—but you'll upload them digitally instead of showing them in person.

What if I have a name change or recent address change?

Bring documentation of the change—a marriage certificate, divorce decree, or lease showing your new address. If your ID doesn't reflect the change yet, bring both the old and new documents so Chase can verify the connection. This is especially important for name changes, since your ID, Social Security record, and the name you provide must match.