Yes, you can open both checking and savings accounts with Chase entirely online
Chase lets you open a checking account, savings account, or both through their website or mobile app without visiting a branch. The process takes about 10 minutes, and you can start using the account the same day in most cases. You'll need a Social Security number, a valid government ID, proof of address, and an initial deposit (the amount varies by account type).
The account opens immediately after you complete the application and verify your identity. Chase uses an automated verification system that checks your information against their records in real time. If verification fails, you may need to visit a branch in person or provide additional documents, but this is uncommon.
Key Takeaways
- Chase checking and savings accounts can be opened online through their website or mobile app in about 10 minutes.
- You need a Social Security number, valid government ID, proof of address, and an initial deposit to complete the application.
- Most accounts are active the same day, though some verifications may take up to one business day.
- If you're a new Chase customer, you may be offered a welcome bonus for meeting deposit or activity requirements within a set timeframe.
- If online verification fails, Chase will tell you immediately and explain what to do next, usually a branch visit or document upload.
What you need before you start
Gather these items before opening the application: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, and a current address. Chase will ask you to confirm your address during the application, so have a recent utility bill, lease, or bank statement showing where you live.
You'll also need an initial deposit. Chase checking accounts typically require $0 to $25 to open, depending on the account type. Savings accounts usually require $0 to $300. Chase will tell you the minimum for each account before you finish the application. You can fund the account with a debit card, another bank account, or a wire transfer.
The online application process, step by step
Go to Chase.com or open the Chase mobile app and select "Open an account." Choose whether you want checking, savings, or both. Chase will ask for your personal information: full name, date of birth, Social Security number, phone number, and email address. Enter your current address and confirm it matches your ID.
Next, Chase verifies your identity using information from credit bureaus and public records. This happens instantly in most cases. If verification succeeds, you'll see your new account number and routing number on screen. If it fails, Chase will prompt you to upload a photo of your ID or visit a branch.
Then you'll choose your initial deposit method. You can link an external bank account and transfer money, use a debit card, or wire funds. Chase will show you the routing and account numbers for wire transfers if you choose that route. After you submit your deposit information, your account is open and ready to use.
When your account is active and what happens next
Once verification is complete and your deposit clears, your account is fully active. Debit card transfers typically post within one business day. If you fund the account with a linked bank account, the transfer may take two to three business days depending on your other bank. Wire transfers usually arrive the same day.
Chase will send you a debit card by mail within 7 to 10 business days. Until it arrives, you can use your account number and routing number to set up direct deposits or bill payments. You can also use Chase's mobile app to send money to other people through their Zelle integration or to transfer funds between your own accounts.
If you opened a savings account, note that federal rules limit you to six withdrawals or transfers per month (this rule applies to most savings accounts, not just Chase). Checking accounts have no withdrawal limits.
What to do if online verification fails
If Chase cannot verify your identity online, you'll see a message explaining why and what to do next. The most common reasons are a mismatch between the name on your ID and the name you entered, an address that doesn't match public records, or a Social Security number that doesn't match Chase's records.
Chase will usually offer two options: upload a photo of your ID through the app, or visit a branch in person. If you upload your ID, a Chase employee will review it within one business day. If you visit a branch, bring your ID and proof of address, and a banker can open the account on the spot.
In rare cases, Chase may ask for additional documents like a recent utility bill or lease. The application will tell you exactly what's needed. Do not ignore this request—Chase will close the application if you don't respond within 30 days.
Welcome bonuses and account features
Chase frequently offers cash bonuses for new checking or savings customers who meet certain requirements. These bonuses typically require you to deposit a minimum amount (often $500 to $2,000) and keep the account open for a set period, usually 60 to 90 days. The bonus amount varies and changes throughout the year.
Check Chase.com for current offers before you open your account. The offer details will be shown during the application, and you'll know exactly what you need to do to earn the bonus. If you don't see an offer, you can still open the account—the bonus is optional, not required.
Chase checking accounts come with online bill pay, mobile check deposit (photograph a check and deposit it through the app), and access to over 4,700 Chase branches and 16,000 ATMs nationwide. Savings accounts earn interest, though the rate changes based on the Federal Reserve's actions and varies by account type.
Frequently Asked Questions
How long does it take to open a Chase account online?
The application itself takes about 10 minutes. Verification happens instantly in most cases, so your account is active the same day. Your debit card arrives by mail in 7 to 10 business days, but you can use your account immediately through the app or online banking.
Can I open a Chase account if I have a bad credit score?
Chase does not check your credit score to open a checking or savings account. They do check ChexSystems, a banking history database that tracks closed accounts and fraud. If you have a history of overdrafts or fraud at other banks, Chase may decline your application. You can request your ChexSystems report to see what's on file.
What if I don't have a government ID?
You need a valid government-issued ID to open an account online. If you don't have one, you can visit a Chase branch in person with alternative documents like a passport, tribal ID, or military ID. Call Chase at 1-800-935-9935 to ask what documents they'll accept.
Can I open an account if I'm not a U.S. citizen?
Yes. Chase requires a valid government ID and a Social Security number or Individual Taxpayer Identification Number (ITIN). If you have an ITIN, you can open an account online. If you don't have either, visit a branch and ask what documents Chase will accept.
What's the difference between Chase checking and savings accounts?
Checking accounts are for frequent transactions—they come with a debit card, bill pay, and no withdrawal limits. Savings accounts earn interest but limit you to six withdrawals or transfers per month. Most people open both: checking for everyday spending and savings for money they want to keep separate and earn interest on.