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 can complete the whole process on their website or mobile app in about 10 minutes. The account opens immediately in most cases, though some accounts require a small deposit before you can use them.

Not every Chase account type is available online. Money Market accounts and some specialty products still require a branch visit or phone call. But the two most common accounts—Chase Total Checking and Chase Savings—both open online with no branch trip needed.

Key Takeaways

  • Chase checking and savings accounts open online in about 10 minutes, and you can start using them the same day in most cases.
  • You will need a valid government ID, Social Security number, and an initial deposit (usually $25 or more, depending on the account type).
  • Chase checks your ChexSystems and banking history during signup, and may deny the account if you have unpaid overdrafts or fraud flags at other banks.
  • If you do not have a government ID or Social Security number, you will need to visit a branch or call Chase to open an account.
  • Once your account opens online, you can set up direct deposit, transfers, and bill pay immediately through the app or website.

What you need to have ready before you start

Gather these items before you open the Chase website or app. Having them ready means you will not have to stop halfway through and come back later.

You need a valid government-issued photo ID—a driver's license, passport, or state ID card. Chase will ask you to take a photo of the front and back, or they may verify it through their identity service. You also need your Social Security number and your current address. Chase will ask for your phone number and email address too.

Have a debit card or bank account from another bank ready if you want to make your initial deposit online. If you do not have one, you can mail a check to Chase after the account opens, or deposit cash at a Chase ATM or branch. Some accounts require a minimum opening deposit—usually $25 for checking, though this varies by account type and your location.

The actual steps to open an account online

Go to Chase.com or open the Chase Mobile app. Look for "Open an Account" or "New Account" at the top of the page. Chase will ask you to choose which type of account you want—checking, savings, or both. Select the specific product (for example, Chase Total Checking or Chase Savings).

Chase will then ask for your personal information: name, date of birth, address, phone number, email, and Social Security number. You will need to take a photo of your ID with your phone or webcam. The system checks your identity in real time, and most people pass this step in seconds.

Next, Chase asks about your banking history. They want to know if you have had accounts closed for cause, if you owe money to other banks, or if you have pending fraud disputes. Answer honestly—Chase checks ChexSystems, a banking history database, and they will see the truth anyway. If you have issues, Chase may still open your account, but they may also deny it on the spot.

Finally, you choose your initial deposit method. If you have another bank account, you can transfer money from there. If not, Chase will give you their bank details so you can mail a check. Once you confirm everything, your account opens. You will get an account number and routing number immediately, and you can start using the account the same day in most cases.

When Chase might deny your online application

Chase uses ChexSystems to check your banking history. If you have unpaid overdraft fees, a closed account due to fraud, or a pattern of bounced checks at other banks, Chase may deny your application. A single overdraft from years ago usually does not matter, but recent or repeated issues do.

If Chase denies you online, you have two options. You can call Chase at 1-800-935-9935 and ask to speak with someone about opening an account by phone. A representative may be able to override the denial or suggest an alternative account. You can also visit a Chase branch in person—branch staff sometimes have more flexibility than the online system.

If you do not have a Social Security number or valid government ID, you cannot open an account online. You will need to visit a branch with your documents, or call Chase to discuss other options. Some people without SSNs can open accounts with an ITIN (Individual Taxpayer Identification Number), but this requires a branch visit.

What happens after your account opens

Your account is live as soon as you finish the online process. You can log into the Chase app or website and see your account number, routing number, and available balance. If you made an initial deposit by transfer, the money arrives within one to two business days. If you mailed a check, it takes five to seven business days.

You can set up direct deposit, bill pay, and transfers to other accounts right away through the app. Chase will mail you a debit card and checks (if you opened checking) within five to seven business days. Until they arrive, you can use your account number and routing number to receive deposits, or use the Chase app to send money to other people through Zelle.

If you need a debit card faster, you can visit a Chase branch and ask for a temporary card or expedited shipping. Some branches can issue a card on the spot, though this varies by location.

Differences between opening online versus at a branch

Opening online is faster and you do not have to leave home. Opening at a branch takes longer but gives you a chance to ask questions face-to-face and sometimes get a debit card the same day. Both routes end with the same account and the same fees.

One real difference: if you have a complicated banking history or no ID, a branch representative may be able to help you in ways the online system cannot. If you are unsure whether you will pass the online check, calling ahead or visiting a branch first can save you time.

Chase also offers student accounts and accounts for people under 18, but these have different rules. If you are under 18, you may need a parent or guardian to open the account with you, either online or at a branch. Check Chase.com for the specific requirements for your age group.

Frequently Asked Questions

How long does it take for my Chase account to be ready to use?

Your account opens immediately after you finish the online signup process, usually within 10 minutes. You can see your account number and routing number right away and use them to receive deposits. Your debit card and checks arrive by mail in five to seven business days.

What if I do not have a Social Security number?

You cannot open an account online without a Social Security number or ITIN. Visit a Chase branch with your ID and ITIN, or call 1-800-935-9935 to discuss your options. Some branches can open accounts for people with ITINs, but policies vary by location.

Can I open a Chase account if I was denied before?

If you were denied in the past, try again after your ChexSystems record improves—usually after you pay off overdrafts or after a few years pass. Call Chase first to ask whether your situation has changed enough to approve you. A branch representative may have more flexibility than the online system.

Do I have to make a deposit when I open the account?

Most Chase accounts require a minimum opening deposit, usually $25 for checking. You can transfer this from another bank account, mail a check, or deposit cash at a Chase ATM or branch after the account opens. Check the specific account details on Chase.com to confirm the minimum for the account you want.

Can I open a joint account online?

Chase does not let you open a joint account entirely online. One person opens the account, and the other person must visit a branch or call Chase to be added as a joint owner. Both people need to provide ID and sign documents.