You can open a Chase account online in about 10 minutes, or in person at a branch
Chase offers three main account types for personal banking: checking, savings, and money market accounts. You can start the process online through Chase.com, on the Chase mobile app, or by walking into a branch. Online applications usually take 10 to 15 minutes and you'll know immediately whether you're approved. In-branch applications take longer but let you ask questions and deposit cash on the spot.
You'll need a valid government ID, your Social Security number, and an initial deposit (the amount varies by account type). Chase will check your banking history through ChexSystems, a system that tracks closed accounts, overdrafts, and fraud. If you've had problems with a bank in the past, this check might delay or deny your application.
Key Takeaways
- Online applications are fastest and you get an answer within minutes, but you'll need to verify your identity and deposit money within a set timeframe.
- In-branch applications let you deposit cash immediately and speak to someone if you have questions about which account fits your situation.
- Chase checks your banking history through ChexSystems, so past overdrafts or fraud may affect whether you're approved.
- You must be at least 18 years old and a U.S. resident with a valid ID and Social Security number to open an account.
- Different account types have different minimum deposits and monthly fees, which vary by location and change over time.
What you need before you start
Gather these items before you begin an application, whether online or in person. You'll need a valid government-issued ID (driver's license, passport, or state ID card), your Social Security number, and proof of your current address. A utility bill, lease, or recent bank statement works for address verification.
You'll also need to decide on an initial deposit amount. Chase checking accounts typically require $0 to $25 to open, depending on the specific product and your location. Savings accounts usually require $0 to $300. Money market accounts often require $2,500 or more. These minimums change, so check Chase.com for current requirements before you apply.
Have your employer's name and address handy if you plan to set up direct deposit, though it's not required to open the account. If you want to link an existing bank account for transfers, have that account number and routing number ready.
Opening an account online through Chase.com or the app
Go to Chase.com and click "Open an Account" or open the Chase mobile app and select the account type you want. You'll enter your name, date of birth, Social Security number, and current address. Chase will ask whether you're a new customer or an existing Chase customer opening an additional account.
Next, you'll verify your identity. Chase uses several methods: they may ask security questions based on your credit history, send a code to your phone or email, or ask you to photograph your ID. This step usually takes 5 to 10 minutes. If Chase cannot verify you online, they'll tell you to visit a branch in person.
Once verified, you'll choose your account type and review the terms. You'll set up online banking login credentials and a PIN. Then you'll make your initial deposit. You can link an existing bank account and transfer money, use a debit card, or wait to deposit at an ATM or branch. Chase will give you a confirmation number and tell you when your account will be active—usually within one business day, though it can take up to five.
Opening an account in person at a Chase branch
Find your nearest Chase branch using the branch locator on Chase.com. Bring your ID, Social Security number, and proof of address. You can walk in during business hours; no appointment is needed, though wait times vary by location and time of day.
A Chase representative will ask you the same questions as the online form: your name, address, employment, and the type of account you want. They'll verify your identity by checking your ID and may ask security questions. If you have a complicated banking history—past fraud, multiple closed accounts, or ChexSystems issues—the representative can sometimes override a denial or explain what happened.
You can deposit cash, a check, or transfer from another bank account right there. Your account will be active immediately or within one business day. You'll receive a debit card, which Chase will either give you on the spot or mail within 7 to 10 business days depending on the branch and account type.
Understanding ChexSystems and why your application might be denied
Chase uses ChexSystems, a consumer reporting agency that tracks banking behavior. When you apply, Chase pulls your ChexSystems report to see whether you've had accounts closed due to overdrafts, fraud, or other problems. A negative history doesn't automatically disqualify you, but it can.
Common reasons for denial include unpaid overdraft fees at another bank, a history of writing bad checks, or fraud flags on your record. If you're denied, Chase will send you a notice explaining why and telling you how to contact ChexSystems to dispute inaccurate information. You can request your own ChexSystems report for free at ChexSystems.com.
If you're denied, you have options. Some credit unions and online banks use different verification systems and may approve you. You can also wait 6 to 12 months and reapply to Chase, as older negative items carry less weight. If the denial was based on a mistake in your ChexSystems file, dispute it and reapply once it's corrected.
Choosing between Chase account types
Chase checking accounts come in several versions: Chase Total Checking (the standard option), Chase Premier Plus Checking (requires higher balances), and Chase Sapphire Checking (paired with investment services). Each has different monthly fees, minimum balance requirements, and perks. Total Checking is the most common for everyday use and has no monthly fee if you maintain a minimum balance or set up direct deposit.
Chase savings accounts include Chase Savings and Chase Premier Savings. Both earn interest, though the rate changes based on the Federal Reserve's actions. Premier Savings requires a higher opening deposit and balance but pays slightly more interest. Savings accounts have no monthly fee if you maintain a minimum balance.
Money market accounts combine features of checking and savings: you can write checks and make transfers, but you earn interest. They require higher minimum deposits and balances, usually $2,500 or more. These accounts make sense if you have a large amount to deposit and want both access and interest earnings.
What happens after your account opens
Your account will be active within one business day in most cases. You'll receive a debit card by mail within 7 to 10 business days if you didn't get one at the branch. You can use your online banking login to transfer money, pay bills, and check your balance immediately.
If you set up direct deposit, your employer's first payment may take one to two pay cycles to arrive. Transfers from other banks take 1 to 3 business days depending on the sending bank. ATM deposits may take up to two business days to post.
Chase will send you a welcome package with your account number, routing number, and information about online banking, mobile banking, and fraud protection. Read the terms and conditions for your specific account type, as fees and features vary.
Frequently Asked Questions
Can I open a Chase account if I'm under 18?
No, you must be at least 18 years old to open an account in your own name. Minors can open accounts through a parent or guardian as a joint account holder, but the adult is responsible for the account.
What 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 either, you cannot open a personal Chase account. Some credit unions and online banks have different requirements.
How long does it take to get my debit card?
If you open an account in person at a branch, you may receive a debit card on the spot. If you open online, Chase will mail your card within 7 to 10 business days. You can request expedited shipping in some cases, though this may cost extra.
What if Chase denies my application?
Chase will send you a notice explaining the reason. You can request your ChexSystems report to check for errors, dispute inaccurate information, and reapply later. If the denial was based on insufficient funds or a closed account, waiting 6 to 12 months before reapplying often helps.
Can I open multiple Chase accounts at the same time?
Yes, you can open a checking and savings account together, or multiple accounts of the same type. However, Chase may limit the number of accounts you can open within a certain timeframe to prevent fraud.