You can open a Chase savings account directly in the Chase mobile app in about 10 minutes
The Chase mobile app lets you start a savings account without visiting a branch or calling. You'll need your Social Security number, a valid ID, proof of address, and a funding source (debit card or bank account). The app walks you through identity verification, account setup, and your first deposit in one session. Most accounts are ready to use the same day.
You don't need an existing Chase account to begin. If you're already a Chase customer, signing in with your current credentials is faster. If you're new to Chase, you'll create a login as part of the process.
Key Takeaways
- Download the Chase mobile app, sign in to your existing Chase account or create a new login, and tap the option to open a new account—you do not need to be a current Chase customer.
- Have your Social Security number, a government-issued ID, and a recent utility bill or lease ready before you start.
- Chase verifies your identity by asking questions about your credit history, then confirms your address using the documents you upload.
- Fund your new account with a debit card, another bank account, or a wire transfer; most accounts are active the same day.
- You can set up automatic transfers and link the savings account to your Chase checking account (if you have one) immediately after opening.
What you need before you open the app
Gather these items before you start: your Social Security number, a government-issued photo ID (driver's license, passport, or state ID), and proof of your current address. Chase accepts a recent utility bill, lease agreement, mortgage statement, or bank statement dated within the last 60 days. A cell phone number and email address are also required.
You'll also need a way to fund the account. Chase accepts debit cards, checking accounts at other banks, or wire transfers. If you're using a debit card, have the card number and expiration date ready. If you're linking another bank account, you'll need the routing number and account number.
Steps to open the account in the app
Step 1: Sign in or create a login. Open the Chase mobile app. If you already have a Chase account, sign in with your username and password. If you don't have a Chase account yet, tap "Enroll" and create a login using your email and a password. You can open a savings account without an existing Chase checking account.
Step 2: Navigate to open a new account. Once signed in, look for the menu icon (usually three horizontal lines) or tap "Products." Select "Open an Account" or "Savings." Chase will show you the types of savings accounts available and let you choose which one you want.
Step 3: Answer identity verification questions. Chase asks questions about your credit history and financial background. These are security questions designed to confirm you are who you say you are. Answer honestly—Chase compares your answers to credit bureau records. If you don't recognize a question or can't answer it, select "I don't know" or "None of the above."
Step 4: Upload proof of address. Take a photo of your utility bill, lease, or other acceptable document using your phone's camera. Make sure the document shows your full name, current address, and is dated within the last 60 days. Upload both the front and back if required. The app will tell you if the image is clear enough.
Step 5: Review account details and terms. Chase displays the account type, interest rate (if applicable), monthly fees, and terms. Read through the account agreement. You can scroll back to review any section. Tap "Agree" or "Accept" to proceed.
Step 6: Fund your account. Choose how you want to deposit money. If using a debit card, enter the card number, expiration date, and CVV. If linking a bank account, enter the routing number and account number. Enter the amount you want to deposit. Chase typically processes debit card deposits the same day and bank transfers within one to two business days.
Step 7: Confirm and finish. Review the information you entered. Tap "Submit" or "Complete." Chase sends a confirmation to your email and displays a confirmation number in the app. Your account is now open and you can start using it.
What happens after you submit your application
Chase usually approves accounts within minutes to a few hours. You'll receive an email confirmation with your new account number and details. The account appears in your Chase app under "Accounts" immediately, even if your initial deposit hasn't cleared yet.
If Chase needs more information, they'll contact you by email or phone within one business day. This might happen if your identity verification didn't match their records or if your address proof was unclear. You can upload new documents or answer additional questions directly in the app.
Your initial deposit clears according to the method you used: debit card deposits usually post the same day, and transfers from another bank account take one to two business days. Once the deposit clears, you can transfer money out, set up automatic transfers, or link the account to other Chase products.
Setting up transfers and linking accounts
After your account is open, you can link it to a Chase checking account or set up transfers from external bank accounts. In the app, go to "Transfers" and select "Set Up a Transfer." Choose your new savings account as the destination, then select the source account (another Chase account or an external bank).
You can schedule one-time transfers or recurring transfers (weekly, biweekly, or monthly). Chase processes transfers between Chase accounts instantly. Transfers from external banks take one to two business days. You can also use the app to move money between your new savings account and any other Chase account you own.
Troubleshooting common problems during setup
Identity verification fails. This usually means your answers didn't match Chase's records or your ID photo was unclear. Upload a clearer photo of your ID and try again. Make sure the photo shows your full face and all four corners of the ID. If you still have trouble, call Chase at the number on the back of your debit card or visit a branch with your ID and proof of address.
Address proof is rejected. Chase needs a document dated within the last 60 days with your full name and current address. Utility bills, lease agreements, and mortgage statements work. Bank statements and credit card statements are also accepted. Make sure the document is legible and shows the full address. If your name doesn't match exactly (for example, a middle initial is missing), upload a second document that shows both versions of your name.
Debit card deposit doesn't go through. Check that you entered the card number, expiration date, and CVV correctly. Some debit cards have daily limits on deposits, so try a smaller amount. If the card is declined, try a different debit card or link a bank account instead. Contact your card issuer if you think the card should have worked.
You can't sign in to the app. If you forgot your password, tap "Forgot Username or Password" on the login screen and follow the reset steps. Chase sends a link to your email. If you don't have an existing Chase account, create one first by tapping "Enroll." You need a login before you can open a new account.
Frequently Asked Questions
Do I need an existing Chase checking account to open a savings account?
No. You can open a Chase savings account even if you've never had a Chase account before. You'll create a new login during the process. However, if you already have a Chase checking account, signing in with your existing credentials is faster.
How much money do I need to open the account?
Chase does not require a minimum opening deposit for most savings accounts, though some account types may have a minimum. Check the account details in the app before you submit. You can open the account with $0 and deposit money later, or fund it during setup—whichever you prefer.
Can I open a savings account if I don't have a government ID?
Chase requires a valid government-issued photo ID to open an account. Acceptable IDs include a driver's license, passport, or state ID card. If you don't have one of these, you'll need to visit a Chase branch in person or contact Chase to discuss other options.
What if my initial deposit fails?
Your account still opens even if the deposit doesn't go through. You can try funding it again using a different payment method (debit card, bank account, or wire transfer). Go to "Transfers" in the app and select your new savings account to add funds.
How long does it take to access my money after I deposit it?
Debit card deposits usually post the same day. Transfers from another bank account take one to two business days. Once the deposit clears, you can transfer the money out, spend it with a linked debit card, or leave it in the account to earn interest.