You cannot open a Chase bank account entirely over the phone
Chase requires you to complete the account opening process online or in a branch. You can call Chase at 1-800-935-9935 to ask questions about account types, fees, and requirements, but the actual account creation—where you enter your personal information, verify your identity, and sign the account agreement—must happen through Chase's website or mobile app, or with a banker in person at a branch.
If you have already opened an account online or in a branch, you can call to set up services like bill pay, mobile banking, or credit card activation. But the initial account opening itself requires either digital submission or a face-to-face visit.
Key Takeaways
- Chase account opening must be completed online, through the mobile app, or in a branch—phone-only opening is not an option.
- You can call Chase customer service to learn about account types and requirements before you start the online process.
- Online account opening typically takes a few minutes and requires a valid ID, Social Security number, and initial deposit information.
- If you open an account online, Chase may ask you to verify your identity through a video call or by uploading a photo of your ID.
- After your account is open, you can call to add services, change settings, or ask questions about your account.
What you need to open an account online
To open a Chase checking or savings account through the website or app, have these items ready: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, your date of birth, and your current address. You will also need an initial deposit amount—Chase checking accounts typically require a minimum opening deposit, though the amount varies by account type.
Chase will ask you to create a username and password during the process. If you are opening an account for the first time with Chase, the system may ask you to verify your identity by uploading a photo of your ID or by completing a video call with a Chase representative. This step usually takes a few minutes and happens right after you submit your information online.
How the online account opening process works
Start on Chase.com or in the Chase Mobile app and select "Open an Account." You will choose the account type you want—checking, savings, or money market. The system will walk you through entering your personal information, including name, address, phone number, email, and Social Security number.
Next, you will set up login credentials and answer security questions. Chase will then ask about your initial deposit: you can link an external bank account to transfer money, use a debit card, or mail a check. Once you submit all information, Chase performs an identity verification check, which may involve a photo ID upload or a brief video call. Most accounts are approved within minutes, though some may take up to one business day.
After approval, your account number and routing number are provided immediately. You can begin using your account right away for transfers and bill pay, though your debit card will arrive by mail within 7 to 10 business days.
Opening an account in person at a Chase branch
If you prefer to open an account face-to-face, visit any Chase branch with your ID and Social Security number. A banker will walk you through the account options, answer your questions, and complete the paperwork. You can make your initial deposit on the spot, and your debit card can sometimes be issued the same day if you request it.
Branch hours vary by location. You can find your nearest Chase branch and its hours on Chase.com or by calling 1-800-935-9935. Some branches are inside grocery stores or other retail locations and may have different hours than traditional bank branches.
Why Chase does not allow phone-only account opening
Banks are required by federal law to verify your identity when you open an account. This process, called Know Your Customer (KYC), protects both you and the bank from fraud and money laundering. Verifying identity over the phone alone does not meet federal standards—Chase needs to see a photo ID or conduct a video verification to confirm you are who you say you are.
Phone-only account opening also creates a paper trail problem: there would be no signed agreement or documented consent to the account terms. Chase's online process and in-branch process both create a record of your signature and agreement, which protects you if a dispute arises later.
What you can do by phone after your account is open
Once your account exists, Chase customer service can help you over the phone with many tasks: activating your debit card, setting up bill pay, arranging transfers between accounts, reporting a lost or stolen card, disputing a transaction, or changing your address or phone number. You can also call to ask about fees, interest rates, or account features.
If you need to close an account, you can do that by phone as well. Chase will ask you how you want to receive any remaining balance—by check, transfer to another account, or other method—and will process the closure within a few business days.
If you do not have an ID or Social Security number
Chase requires a valid government-issued ID and a Social Security number to open a standard account. If you do not have a Social Security number, you may be able to open an account using an Individual Taxpayer Identification Number (ITIN), though policies vary by branch and account type. Call 1-800-935-9935 to ask about ITIN accounts before visiting a branch.
If you do not have a government-issued ID, visit a Chase branch in person and speak with a banker about alternative verification methods. Some branches may accept other forms of ID or documentation, but this varies. A phone call first will save you a trip.
Frequently Asked Questions
Can I open a Chase account if I am not a U.S. citizen?
Yes. Chase accepts non-citizens with a valid passport or other government-issued ID and a Social Security number or ITIN. You will need a U.S. address. Call 1-800-935-9935 or visit a branch to confirm what documents your location accepts.
How long does it take to open a Chase account online?
The online process usually takes 5 to 10 minutes. Identity verification may add a few more minutes if Chase asks you to upload a photo or join a video call. Most accounts are approved immediately, though some take up to one business day.
Can I open a Chase business account over the phone?
No. Business accounts require more documentation and verification than personal accounts. You must open a business account in person at a Chase branch or through Chase's business banking phone line, which will guide you to a business banker who can complete the process with you.
What if I already bank with Chase and want to open another account?
You can open an additional account online or by phone. If you are already logged into your Chase account, you can often add a new account directly through your online banking dashboard. If you prefer, call 1-800-935-9935 and a representative can walk you through it.
Do I need to make a deposit to open a Chase account?
Most Chase checking accounts require a minimum opening deposit, typically $25 or more depending on the account type. Savings accounts may have different minimums. Check the specific account details on Chase.com before you start, or call to confirm the current requirement.