Yes, you can open most Chase accounts online, but the process and requirements depend on the account type

Chase lets you open a checking or savings account entirely online through their website or mobile app without visiting a branch. The process takes about 10 minutes and you can start using your account the same day. However, some account types—like certain business accounts or accounts that require a minimum deposit—may have different steps or require a phone call to complete.

The key requirement is a valid government ID, a Social Security number, and an initial deposit method. Chase will verify your identity electronically during signup, and if you pass that check, your account opens immediately. If the verification fails, you may need to visit a branch in person or call to complete the process by phone.

Key Takeaways

  • Chase personal checking and savings accounts can be opened online in about 10 minutes using their website or app.
  • You will need a valid government ID, Social Security number, and a way to make an initial deposit—either a debit card, existing bank account, or wire transfer.
  • Your account opens immediately after you pass Chase's electronic identity verification, and you can use it the same day.
  • If electronic verification fails, you can complete the process by phone or at a Chase branch, though this adds time.
  • Some account types, like certain business or student accounts, may have different requirements or require a phone call to finish setup.

What you need before you start

Gather these items before opening your account online: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, your date of birth, and your current address. Chase will ask for all of these during the signup process.

You also need a way to fund your account. Chase accepts initial deposits from a debit card, an existing bank account (via ACH transfer), or a wire transfer. If you do not have another bank account or debit card, you can still open the account but will need to fund it by wire or by visiting a branch to deposit cash or a check.

Have your employer's name and address handy if you plan to set up direct deposit right away, though you can add it later. Some account types require a minimum opening deposit—typically $25 for basic checking—but many Chase accounts have no minimum.

The online signup process, step by step

Go to chase.com or open the Chase mobile app and select "Open an Account." Choose the account type you want—checking, savings, or money market. Chase will ask you to enter your personal information: name, date of birth, Social Security number, address, phone number, and email.

Next, Chase runs an electronic identity verification check. This usually takes seconds. The system checks your information against databases to confirm you are who you say you are. If you pass, you move to the funding step. If verification fails, Chase will tell you immediately and offer options: you can try again with different information, call a representative, or visit a branch.

Choose your funding method and enter the details. If you use a debit card, enter the card number and expiration date. If you use an existing bank account, provide the routing number and account number. Chase processes the transfer immediately or within one business day depending on the method.

Review the account terms and disclosures, agree to them, and submit. Your account number and routing number appear on screen immediately. You can set up a PIN, link external accounts, and start using your debit card (if you ordered one) within 7 to 10 business days.

What happens if verification fails

If Chase's electronic verification cannot confirm your identity, you will see a message during signup explaining that you need to complete the process another way. This can happen if your information does not match records, if you have a very common name, or if there is a data mismatch between sources.

You have two options: call Chase at the number provided (usually 1-800-935-9935) and complete verification over the phone with a representative, or visit a Chase branch in person with your ID. Phone verification typically takes 10 to 15 minutes. In-person verification is immediate, and you can fund the account and receive a debit card on the spot.

If you have been the victim of identity theft or have a fraud alert on your credit file, Chase may require in-person verification as a security measure. Bring your ID and proof of address (utility bill, lease, or bank statement dated within the last 60 days).

Account types available online

Chase offers several account types you can open online. Chase Total Checking is the most common option—it has no monthly fee if you maintain a minimum balance or set up direct deposit, and no minimum opening deposit. Chase Savings is a basic savings account with interest paid monthly. Chase Money Market combines checking and savings features and requires a higher opening deposit.

Student accounts, business accounts, and specialty products like Chase Sapphire Banking may have different online signup processes or may require a phone call or branch visit to complete. When you select an account type during signup, Chase will tell you whether it can be opened entirely online or whether additional steps are needed.

Funding your account and getting your debit card

Your account is funded immediately if you use a debit card or wire transfer. ACH transfers from another bank account typically post within one business day. Once funded, your account is active and you can use it to receive direct deposits or transfers right away.

Your physical debit card ships separately and arrives within 7 to 10 business days. You can request expedited shipping during signup for an additional fee, usually $10 to $15. Until your card arrives, you can use your account number and routing number to set up direct deposit, pay bills online, or transfer money. You can also request a temporary digital card in the Chase app to use with Apple Pay, Google Pay, or Samsung Pay immediately.

Frequently Asked Questions

Do I need to be a U.S. citizen to open a Chase account online?

No, but you do need a valid government-issued ID and a Social Security number or ITIN (Individual Taxpayer Identification Number). Chase accepts accounts from permanent residents and visa holders. If you do not have a Social Security number, you may need to visit a branch or call to complete the process.

What if I do not have a debit card or bank account to fund my opening deposit?

You can still open the account online but will need to fund it by wire transfer or visit a Chase branch to deposit cash or a check. Wire transfers typically cost $15 to $30 depending on your bank. Some Chase branches allow you to deposit cash at the ATM, though this varies by location.

Can I open a joint account online?

Chase allows joint accounts online, but both account holders must complete the signup process together or separately, and both must pass identity verification. The primary account holder can add an authorized user after the account opens, which does not require the second person to verify their identity.

How long does it take to receive my debit card?

Standard shipping takes 7 to 10 business days. Expedited shipping, available for a fee, can reduce this to 2 to 3 business days. You can use a temporary digital card in the Chase app for online and contactless payments while you wait for the physical card.

Can I open a Chase account online if I have been denied before?

Chase checks ChexSystems, a banking history database, during signup. If you were denied in the past, you may be denied again, but reasons change over time. You can request a copy of your ChexSystems report to see why you were denied and address any errors before applying again. Contact ChexSystems directly at chexsystems.com or call 1-866-697-3329.