Documents and information Chase requires before you can open an account
Chase requires a government-issued photo ID, your Social Security number, and an initial deposit to open most checking or savings accounts. The specific documents depend on which account type you choose and whether you open it in person, online, or by phone. You'll also need a current mailing address and a way to verify your identity — either in branch or through their online verification process.
The initial deposit amount varies by account. Some Chase accounts require a minimum opening deposit of $25, while others ask for $100 or more. If you're opening online, Chase will ask you to verify your identity through their system, which typically takes a few minutes. If you open in a branch, a banker will review your documents on the spot.
Key Takeaways
- You need a valid government-issued photo ID, your Social Security number, and proof of your current address to open any Chase account.
- Chase requires an initial deposit to fund your account, ranging from $25 to $100 depending on the account type you choose.
- Online account opening uses automated identity verification and typically completes within minutes; in-branch opening takes longer but lets you ask questions in real time.
- If you don't have a Social Security number, Chase offers accounts for non-U.S. citizens using an Individual Taxpayer Identification Number (ITIN) instead.
- Chase will run a ChexSystems check on your banking history; if you've had accounts closed for overdrafts or fraud, you may be denied.
What counts as valid ID for Chase
Chase accepts a U.S. driver's license, state ID card, passport, or military ID. The ID must be current and not expired. If you're opening an account online, Chase's system will scan and verify your ID electronically. If you're opening in a branch, bring the physical ID with you — the banker will check it against your face and record the number.
If you don't have a U.S. government ID, you can still open an account, but the process takes longer. Chase will ask for alternative documents such as a foreign passport, consular ID, or state-issued ID from your home country. You'll need to open the account in person at a branch, not online. Bring the original document and be prepared to wait while the banker verifies it through additional steps.
Proof of address and what Chase accepts
Chase needs to confirm where you live. They accept a recent utility bill (electric, gas, water, or internet), a lease or mortgage statement, a bank statement from another bank, or a government document with your name and address. The document must be dated within the last 60 days. If you're opening online, you can upload a photo of the document. If you're opening in branch, bring the original or a copy.
If you don't have a recent document in your name, tell the banker. Some branches will accept a letter from a government agency, a property tax statement, or a document from your employer showing your address. The rules vary slightly by branch, so calling ahead can save you a trip. If you're homeless or living with family and have no document in your name, ask the banker about alternative verification — some branches have workarounds, though they're not may provide.
Social Security number or ITIN
Chase requires either a U.S. Social Security number (SSN) or an Individual Taxpayer Identification Number (ITIN). The SSN is a nine-digit number issued by the Social Security Administration. If you don't have one and are a U.S. citizen, you can apply through Social Security before opening your account — the process takes several weeks.
If you're not a U.S. citizen, you can use an ITIN instead. An ITIN is issued by the Internal Revenue Service and is used for tax purposes. You apply for an ITIN through the IRS using Form W-7. Once you have an ITIN, bring it to Chase along with your other documents. Chase will use it the same way it uses an SSN for account opening and reporting.
ChexSystems check and what can disqualify you
Chase runs a background check through ChexSystems, a banking history database that tracks overdrafts, fraud, and closed accounts. If you've had accounts closed for negative balances, repeated overdrafts, or suspected fraud, ChexSystems will flag it. Chase may deny your account based on this report. You have the right to see what ChexSystems has on file about you before you apply — you can request a free report at chexsystems.com.
If ChexSystems shows a problem, you can dispute inaccurate information or explain the situation to Chase. Some branches have more flexibility than others; calling ahead to ask whether your history will be a barrier can help you decide whether to apply in person or online. If Chase denies you, they will tell you why and give you contact information for ChexSystems so you can review your report.
Opening online versus in a branch
Opening online is faster — you can complete the process in 10 to 15 minutes from your phone or computer. You'll upload photos of your ID and proof of address, enter your Social Security number, and Chase's system will verify everything automatically. You'll choose your account type, set up a username and password, and fund the account with your initial deposit using a debit card or bank transfer. Your account is usually active the same day.
Opening in a branch takes longer but gives you a chance to ask questions and get help if something doesn't match. A banker will review your documents, run the ChexSystems check, and help you choose the right account for your needs. If there's a problem with your ID or address, the banker can often resolve it on the spot. Bring all your documents and plan to spend 30 to 45 minutes. You can fund your account with cash, a check, or a transfer from another bank.
Initial deposit and funding your new account
Chase requires an opening deposit to fund your account. The amount depends on the account type: some checking accounts require $25, others $100 or more. Savings accounts typically require $25. Money Market accounts may require $2,500 or more. Check the specific account details before you open to know what to expect.
You can fund your account with a debit card, a transfer from another bank account, or cash (if opening in branch). If you're opening online, you'll enter your debit card or bank account information and Chase will process the deposit immediately. If you're opening in branch, you can hand the banker cash or a check. The deposit counts toward your opening balance — it's not a separate fee.
Frequently Asked Questions
Can I open a Chase account if I have a bad credit score?
Chase does not check your credit score when opening a checking or savings account. They check ChexSystems, which tracks banking history, not credit history. A low credit score will not stop you from opening an account, but a history of overdrafts or fraud flagged in ChexSystems might.
What if I don't have a current address?
If you're homeless or between addresses, tell the banker. Some branches will accept a shelter address, a PO box, or a friend's address where you receive mail. Chase needs a mailing address for statements and account notices. Call your local branch first to ask what they can accept — policies vary.
How long does it take to open an account online?
Online account opening usually takes 10 to 15 minutes. Your account is typically active the same day, and you can start using your debit card within one to two business days. In-branch opening takes 30 to 45 minutes, and your account is active immediately.
Can someone else open an account for me?
No. Chase requires you to be present and to verify your identity yourself. You cannot have someone else open an account on your behalf, even with power of attorney. You must open the account in person (in branch) or online using your own identity verification.
What if my ID is expired?
Chase prefers current ID, but some branches will accept an expired ID if it's recent and the photo is clearly you. Call your local branch first to ask. If your ID is more than a few years expired, bring a second form of ID or government document to support your identity.