What You Need to Open a Chase Bank Account

Documents and information you'll need before you start

To open a Chase checking or savings account, you need a government-issued photo ID, your Social Security number, and an initial deposit. Chase accepts a driver's license, passport, or state ID card. You'll also need a current mailing address and a phone number where Chase can reach you. If you're opening an account online, you can use these documents to verify your identity without visiting a branch.

The initial deposit amount depends on the account type. Chase's basic checking account (Chase Total Checking) requires no minimum opening deposit, though some specialty accounts may have different requirements. You can fund the account with a debit card, transfer from another bank, or a check deposit if you're opening in a branch.

If you don't have a Social Security number, you can open an account using an Individual Taxpayer Identification Number (ITIN) instead. Bring documentation of your ITIN and your ID to a branch — you cannot open this type of account online.

Key Takeaways

• You need a government-issued photo ID, Social Security number or ITIN, current address, and phone number to open any Chase account.
• Chase's basic checking account has no minimum opening deposit, though you must fund it with at least one transaction.
• You can open most accounts online in about 10 minutes using your ID and Social Security number, or visit a branch in person.
• If you're under 18, a parent or guardian must open a Chase student account with you, either online or at a branch.
• Chase will check ChexSystems, a banking history database, as part of the account opening process.

Opening an account online versus in a branch

Opening online is faster and requires no appointment. You'll upload a photo of your ID (front and back), enter your Social Security number, and answer questions about your identity. Chase verifies your information in real time, and most accounts are approved within minutes. You can then fund the account when ready using a debit card or by transferring money from another bank.

Opening in a branch takes longer but may be easier if you have questions or need help. A Chase employee will review your documents, verify your identity in person, and help you choose which account type fits your needs. You can fund the account right away with cash, a check, or a transfer. Bring your ID, Social Security number, and initial deposit to any Chase branch during business hours.

If you don't have internet access or prefer to speak with someone, the branch route is your best option. Chase branches are open Monday through Friday, and many locations have Saturday hours. You do not need an appointment for basic account opening.

What happens during the identity verification process

Chase uses a third-party service to verify your identity when you open an account online. The system checks your ID photo against your face using your device's camera, then asks security questions based on your credit history and public records. These questions might ask about addresses where you've lived, previous employers, or loan details. You answer from multiple choice options.

If the online verification cannot confirm your identity, Chase will ask you to visit a branch or call their account opening team. This happens occasionally and is not a sign of a problem — it straightforward means the system needs additional confirmation. A branch employee can verify you in person using your original ID documents.

Chase also checks ChexSystems, a database that tracks banking history and account closures. If you've had accounts closed due to fraud, unpaid fees, or other issues, Chase may deny your process or require you to visit a branch to discuss your history. You can request your ChexSystems report before you explore if you're concerned about your banking history.

Account types and what each one offers

Chase Total Checking is the most common account for everyday banking. It has no monthly fee if you maintain a $500 minimum balance or set up direct deposit. You get a debit card, online bill pay, mobile check deposit, and access to Chase's ATM network. If your balance drops below $500 and you don't have direct deposit, Chase charges $12 per month.

Chase Savings is a basic savings account with no monthly fee and no minimum balance. It earns interest on your balance, though the rate is low. You can make up to six transfers or withdrawals per month before Chase charges a fee for additional transactions.

Chase Student Checking is designed for people under 25 and has no monthly fee, no minimum balance, and no overdraft fees. A parent or guardian must open the account with you. Once you turn 25, the account converts to Chase Total Checking.

Chase Premier Plus Checking requires a higher minimum balance ($25,000) but offers benefits like higher interest rates, fee waivers, and priority customer service. This account is for people who maintain larger balances or want premium features.

If you're under 18 or a non-U.S. citizen

If you're under 18, a parent or legal guardian must open a Chase student account with you. You can do this online together or visit a branch. The parent will need their own ID and Social Security number in addition to yours. The parent has access to the account and can monitor spending, though you'll receive your own debit card.

If you're a non-U.S. citizen with a valid visa or passport, you can open an account using your passport number instead of a Social Security number. You'll still need a current U.S. mailing address and a phone number. Some visa types may require you to open the account in a branch rather than online — call Chase at 1-800-935-9935 to confirm before you start.

If you don't have a Social Security number or ITIN, you cannot open a Chase account online. Visit a branch with your passport and ask about opening an account using your Individual Taxpayer Identification Number if you have one.

What to do if your process is denied

Chase may deny your account process if ChexSystems shows a history of fraud, unpaid fees, or repeated overdrafts. You'll receive a letter explaining the reason. The letter will include information about how to request your ChexSystems report and dispute any errors on it.

If you were denied, you can request your free ChexSystems report at www.chexsystems.com. Review it for errors — if information is wrong, you can file a dispute with ChexSystems directly. Once errors are corrected, you can reapply with Chase.

If your denial was due to a legitimate banking issue, you may be able to open an account by visiting a branch and speaking with a manager. Some branches have discretion to override denials for customers who can explain their history. This is not may provide, but it's worth asking.

Funding your new account and getting your debit card

Once your account is open, you can fund it when ready. Online, you can transfer money from another bank account or use a debit card. In a branch, you can deposit cash, a check, or transfer from another account. Transfers from other banks typically take one to three business days to appear in your Chase account.

Your Chase debit card will arrive by mail within 7 to 10 business days if you opened online. If you opened in a branch, you may be able to request a card on the spot, though it will still be mailed to you. You can use your debit card at any Chase ATM or merchant that accepts Visa once it arrives.

While you wait for your physical card, you can use Chase's mobile app to make purchases with your phone if you have an Android device with NFC capability. You can also request a temporary card number in the app for online shopping.

Frequently Asked Questions

Can I open a Chase account without a Social Security number?

Yes, if you have an Individual Taxpayer Identification Number (ITIN). You'll need to visit a Chase branch in person with your ITIN documentation and a government-issued ID. You cannot open this type of account online.

How long does it take to open a Chase account?

Online account opening takes about 10 minutes and approval is usually when ready. In a branch, the process takes 15 to 30 minutes depending on how busy the location is. Your account is active when ready, though transfers from other banks may take one to three business days to show up.

What if I don't have a government-issued ID?

You must have a government-issued photo ID to open a Chase account. Acceptable IDs include a driver's license, passport, or state ID card. If you don't have one, you'll need to obtain one before you can open an account.

Do I need an initial deposit to open a Chase checking account?

Chase Total Checking requires no minimum opening deposit, but you must make at least one deposit to fund the account. This can be as small as $1. Some specialty accounts may have higher minimum deposit requirements.

What happens if Chase denies my process?

Chase will send you a letter explaining why. Most denials are due to ChexSystems history. You can request your free ChexSystems report, dispute any errors, and reapply. Visiting a branch to speak with a manager may also help if the denial was due to a banking issue you can explain.