Yes, you can open a Chase savings account entirely online
Chase lets you open most of their savings accounts through their website or mobile app without visiting a branch. You'll need a valid government ID, a Social Security number, and a way to fund the account—either a debit card, another bank account, or a wire transfer. The whole process takes about 10 to 15 minutes, and your account can be active the same day.
Not every Chase savings product is available online. Some specialty accounts or those tied to investment services may require a branch visit or a phone call. But the standard Chase Savings, Chase Premier Savings, and Chase Sapphire Savings accounts can all be opened online from start to finish.
Key Takeaways
- You need a valid government ID, Social Security number, and a funding source (debit card, bank account, or wire) to open a Chase savings account online.
- The online application takes 10 to 15 minutes and your account can be active the same day you complete it.
- Chase will verify your identity during signup, which may include checking your credit report and reviewing your banking history.
- You can fund your new account immediately using a debit card or linked bank account, or wait to transfer money later.
- If you already have a Chase checking account, opening a savings account online is faster because Chase already has your information on file.
What documents and information you'll need
Have these items ready before you start the online application. A valid government-issued ID—driver's license, passport, or state ID card—is required. Chase will ask for your full name, date of birth, address, phone number, and email. You'll also need your Social Security number, which Chase uses to verify your identity and check your credit.
If you're opening the account from outside the United States, Chase may have additional requirements or may not allow the account at all. Citizenship or permanent residency status may be needed. Check Chase's website for your specific situation before starting the application.
The online application process, step by step
Go to Chase.com or open the Chase mobile app and select "Open an account." Choose the savings product you want—Chase Savings, Chase Premier Savings, or Chase Sapphire Savings each have different minimum balances and interest rates. Enter your personal information: name, date of birth, address, phone, email, and Social Security number.
Chase will verify your identity by checking your information against databases and may ask security questions based on your credit history. This verification usually takes a few minutes. Once verified, you'll review the account terms and sign the agreement electronically. Then you'll choose how to fund the account: with a debit card, by transferring from another bank account, or by wire transfer. You can also skip funding for now and add money later.
After you submit, Chase will confirm your account number and routing number. You can start using the account immediately, though transfers from external banks may take one to three business days to appear.
Identity verification and what Chase checks
Chase verifies your identity using information from credit bureaus, banking networks, and government databases. They cross-reference your name, date of birth, address, and Social Security number against existing records. If everything matches, verification is instant. If there's a mismatch or Chase needs more information, they may ask follow-up questions or request additional documents.
Chase may decline your application if you have a history of fraud, unpaid bank fees, or negative banking records. They also check ChexSystems, a banking history database that tracks closed accounts and disputes. If you've been flagged in ChexSystems, you may not be able to open an account online; you would need to contact Chase directly or visit a branch to discuss your situation.
Funding your new account right away or later
You can fund your account during the signup process or wait and add money afterward. If you use a debit card, the transfer is usually instant or within one business day. If you link another bank account, the first transfer may take one to three business days because Chase has to verify the account connection.
Some accounts have minimum opening deposits—Chase Sapphire Savings, for example, requires $500 to open. If you don't have that amount ready, you can complete the application and fund the account later, though Chase may close it if it stays unfunded for too long. Check the specific account's terms before you apply.
What happens if you already have a Chase account
If you're already a Chase customer with a checking account, opening a savings account online is faster. Chase already has your identity verified and your information on file, so the application may skip some verification steps. You can often link your new savings account to your existing checking account immediately and transfer money between them with no delay.
Existing customers can also open a savings account through the Chase mobile app by going to "Accounts" and selecting "Open a new account." The process is the same, but it may be even quicker because Chase recognizes you as an existing customer.
Accounts you cannot open online
Most Chase savings accounts are available online, but some products require a branch visit or phone call. Chase Private Client accounts, which come with dedicated banking services, typically require an in-person meeting. Some specialty savings products tied to investment accounts or trust services also may not be available through the online application.
If you're interested in a product that isn't available online, call Chase at 1-800-935-9935 or visit a local branch. A banker can walk you through the process and may be able to open the account over the phone if it's not a product that requires in-person verification.
Frequently Asked Questions
How long does it take to open a Chase savings account online?
The application itself takes 10 to 15 minutes. Identity verification is usually instant, and your account number is issued immediately. Money you transfer from a debit card appears within one business day; transfers from another bank account take one to three business days.
Can I open a Chase savings account online 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 one, you'll need to visit a branch in person and bring additional documentation. Call Chase at 1-800-935-9935 to ask what documents they'll accept.
What if Chase denies my online application?
Chase will tell you the reason—usually related to ChexSystems history, identity verification issues, or fraud concerns. You can contact Chase to dispute information in ChexSystems or provide additional documentation. Some customers are able to open accounts by visiting a branch and speaking with a banker in person.
Do I have to fund my account immediately when I open it online?
No. You can complete the application and fund the account later. However, some accounts have minimum opening deposits, and Chase may close unfunded accounts after a certain period. Check your account terms to see if a minimum applies.
Can I open a joint savings account with someone else online?
Chase allows joint accounts, but both account holders must complete the online application together or one person must start it and the other must verify and sign. The exact process depends on whether the other person is already a Chase customer. Call 1-800-935-9935 or visit a branch if you want to set up a joint account and need guidance.