Yes, you can open most Chase accounts online from start to finish
Chase lets you open a checking or savings account entirely online without visiting a branch. You'll need a valid government ID, a Social Security number, proof of address, and an initial deposit (the amount varies by account type). The process takes about 10 to 15 minutes, and your account is usually active the same day or within one business day.
Not every Chase account can be opened online. Some specialty accounts—like certain business accounts or accounts for people under 18—require a branch visit or a phone call. But the most common accounts (Chase Total Checking, Chase Savings, Chase High Yield Savings) are available online.
Key Takeaways
- You can open a Chase checking or savings account online using a computer or the Chase mobile app, and the account is usually active the same day.
- You'll need a valid ID, Social Security number, proof of address, and an initial deposit amount that depends on the account type.
- Chase will verify your identity during signup, which may include a soft credit check that does not affect your credit score.
- If you're under 18, a non-U.S. citizen, or opening a business account, you'll need to call or visit a branch instead.
- Once your account is open, you can set up direct deposit, link external accounts, and order a debit card through the app or website.
What you need before you start
Gather these documents before you begin the online signup:
- A valid government-issued ID (driver's license, passport, or state ID card)
- Your Social Security number
- Proof of your current address (a recent utility bill, lease, mortgage statement, or government mail dated within the last 60 days)
- An initial deposit amount (usually $25 for savings accounts, $0 for some checking accounts, but this varies)
Chase will ask you to verify your identity during signup. This may include a soft credit inquiry, which does not lower your credit score and is not visible to other lenders. Chase may also ask security questions based on your credit history to confirm you are who you say you are.
If you don't have a Social Security number—because you're a non-U.S. citizen or permanent resident—you'll need to visit a branch or call Chase to open an account. The same applies if you're under 18; Chase requires a parent or guardian to co-sign, which must happen in person or over the phone.
Step-by-step: opening your account online
Go to chase.com or open the Chase mobile app and select "Open an account." You'll be asked to choose which type of account you want (checking, savings, or money market). Read the terms for each account type, because they differ in monthly fees, minimum balance requirements, and interest rates.
Enter your personal information: full name, date of birth, Social Security number, email address, and phone number. Chase will ask for your current address and will verify it against public records. If your address is new or doesn't match records, you may be asked to upload a photo of your proof of address.
Next, Chase will verify your identity. You may be asked to take a photo of your ID (front and back) using your phone or computer camera. Some accounts require you to answer security questions instead. This step usually takes 2 to 5 minutes.
Choose how you'll fund the account. You can link an external bank account and transfer money, use a debit card, or wire funds. The minimum deposit amount depends on the account type; check the account details before you proceed. Once your deposit is processed, your account is open and ready to use.
When your account is active and what comes next
Most accounts are active the same day you open them. You'll receive a confirmation email with your account number and routing number. You can start using your account immediately through the Chase app or website—you can transfer money, set up bill pay, or link external accounts.
Your debit card will arrive by mail within 7 to 10 business days. Until it arrives, you can use your account number to set up direct deposit or make online transfers. If you need a card sooner, some Chase branches can issue a temporary card or expedite delivery for a fee.
Set up direct deposit as soon as your account is open. You'll need your account number and routing number (both are in your confirmation email). Give these to your employer's payroll department, and deposits will typically arrive on your regular payday.
Accounts you cannot open online
Chase business accounts, including sole proprietor accounts, require a phone call or branch visit. You'll need to speak with a business banker, and the process takes longer because Chase verifies your business information and may ask for tax documents.
If you're under 18, you cannot open an account on your own. A parent or guardian must co-sign. This must happen either in a branch or over the phone with a Chase representative.
Non-U.S. citizens without a Social Security number can open an account, but not online. Call Chase at the number on the back of any Chase card, or visit a branch with your passport and proof of address. Some branches can open an account for you on the spot.
What happens if verification fails
If Chase cannot verify your identity online, you'll see a message asking you to call or visit a branch. This happens most often when your address doesn't match public records, your ID photo is unclear, or your name appears on fraud or sanctions lists.
Call Chase at 1-800-935-9935 (the number for new accounts). A representative will walk you through additional verification steps, which may include answering security questions or providing extra documents. This usually takes 10 to 15 minutes, and your account will be opened once verification is complete.
If you prefer not to call, visit a Chase branch with your ID and proof of address. A banker can open your account in person, usually within 15 to 20 minutes.
Fees and account requirements
Chase Total Checking has a $12 monthly service fee, but it's waived if you maintain a $500 minimum daily balance or set up direct deposit. Chase Savings has no monthly fee but requires a $25 minimum opening deposit. Chase High Yield Savings also has no monthly fee and no minimum balance.
Some accounts have limits on how many transfers or withdrawals you can make per month. Check the account terms before you open, because these rules vary by account type and can affect how you use the account.
If you're opening an account to receive government benefits or tax refunds, make sure the account type you choose allows direct deposit. All Chase checking and savings accounts do, but confirm this in the account details.
Frequently Asked Questions
How long does it take to open a Chase account online?
The signup process takes 10 to 15 minutes. Your account is usually active the same day, though it may take up to one business day for your initial deposit to clear and for you to have full access to all features.
Do I need an existing Chase account to open a new one?
No. You can open your first Chase account online without having any prior relationship with the bank. You'll just need your ID, Social Security number, proof of address, and an initial deposit.
Can I open a joint account online?
No. Joint accounts require both account holders to verify their identity in person or over the phone. One person can open an account online, then call Chase to add a co-owner later, but both parties must complete verification before the account becomes joint.
What if I don't have a proof of address document?
Chase accepts recent utility bills, lease agreements, mortgage statements, and government mail. If you don't have any of these, call Chase at 1-800-935-9935 and ask what alternative documents they'll accept. Some branches may accept a bank statement or insurance policy.
Can I open a Chase account if I have a closed account or negative history with Chase?
Chase may deny your application if you have an unpaid balance, were flagged for fraud, or closed an account with a negative balance. If this happens, call Chase to ask why your application was denied. You may be able to resolve the issue by paying an old balance or waiting a certain amount of time before reapplying.