Yes, you can open a Chase savings account entirely online
Chase lets you open most of its savings accounts through their website or mobile app without visiting a branch. You'll need a valid government ID, a Social Security number, 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 savings product is available online—some require a branch visit or a phone call—but the most common ones (Chase Savings, Chase Premier Savings, and Chase Sapphire Savings) can all be opened remotely. If you already have a Chase checking account, opening a linked savings account online is even faster.
Key Takeaways
- Chase Savings, Chase Premier Savings, and Chase Sapphire Savings accounts can be opened online through the website or mobile app.
- You will need a government-issued ID, Social Security number, and an initial deposit amount that depends on the account type.
- The online process takes 10 to 15 minutes, and your account is typically active the same day or next business day.
- If you already have a Chase checking account, linking a new savings account online is faster because Chase already has your information on file.
What you need before you start
Gather these items before you begin the online application. You'll need a valid government-issued photo ID (driver's license, passport, or state ID card), your Social Security number, and proof of your current address. Chase usually accepts a recent utility bill, lease agreement, or mortgage statement as proof of address.
You also need an initial deposit. The minimum varies: Chase Savings requires $0 to open (though some branches may have different minimums), Chase Premier Savings typically requires $10,000, and Chase Sapphire Savings requires $500. If you're opening the account online, confirm the current minimum on Chase's website because these amounts can change.
If you already bank with Chase, you can link your new savings account to an existing checking account for the deposit transfer. If you don't have a Chase account yet, you'll need to provide a routing number and account number from another bank to fund the account, or you can deposit cash at a Chase ATM or branch after the account opens.
Steps to open a savings account online
Go to Chase.com or open the Chase mobile app and look for the "Open an Account" or "Open a Savings Account" button, usually on the homepage. Select the type of savings account you want—Chase Savings, Chase Premier Savings, or Chase Sapphire Savings—and click to begin the application.
Enter your personal information: full name, date of birth, Social Security number, current address, phone number, and email address. Chase will ask whether you're a current customer; if you are, you may be able to skip some verification steps. Upload or photograph your government ID and proof of address when prompted. Chase's system will verify these documents electronically.
Review the account terms and disclosures, then choose how you want to fund the account. If you have another Chase account, transfer from that account. If not, provide the routing and account number from your external bank account, or choose to deposit cash at a branch or ATM after opening. Agree to the terms, review your application one final time, and submit.
You'll receive a confirmation number immediately. Your account is usually active within one business day, though Chase sometimes activates accounts the same day. You'll receive an email confirmation and can log in to your Chase account to see your new savings account.
What happens if verification fails
If Chase cannot verify your identity electronically—because your ID photo is unclear, your address doesn't match their records, or there's a mismatch in your personal information—they'll contact you by phone or email. They may ask you to resubmit documents, call their verification line, or visit a branch in person to complete the process.
This delay usually adds one to three business days. If you provided an incorrect Social Security number or address, correct it immediately when Chase contacts you. If you cannot be reached, Chase may close the application, and you'll need to start over.
Funding your account after it opens
If you linked an existing Chase checking account during signup, the initial deposit transfers automatically. If you provided an external bank account number, the transfer typically takes one to three business days via ACH (Automated Clearing House).
If you chose to deposit cash at a branch or ATM, you can do that anytime after your account is active. Walk into any Chase branch with your ID and deposit cash directly, or use a Chase ATM to deposit cash or a check. ATM deposits are usually available in your account within one business day; branch deposits are often available the same day.
Do not attempt to deposit funds before your account is fully active. If you try to transfer money to an account that hasn't finished opening, the transfer may fail or be delayed.
Accounts that require a branch visit or phone call
Most Chase savings accounts are available online, but a few specialty products are not. Chase High Yield Savings (if offered in your region) and some business savings accounts must be opened by phone or in person. If you're interested in a product that isn't available online, Chase will tell you during the account selection step and direct you to call or visit a branch.
You can also call Chase directly at the number on the back of your debit card or on their website. A representative can walk you through opening any savings account over the phone, though this takes longer than the online process—usually 20 to 30 minutes.
Frequently Asked Questions
How long does it take to open a Chase savings account online?
The application itself takes 10 to 15 minutes. Your account is usually active the same day or within one business day after you submit. If Chase needs to verify your identity by phone, add one to three business days.
Do I need an existing Chase account to open a savings account online?
No. You can open a Chase savings account online even if you don't bank with Chase. You'll need to provide a routing and account number from another bank to fund it, or deposit cash at a Chase branch or ATM after the account opens.
What if I don't have a government ID?
Chase requires a valid government-issued photo ID to open an account online. If you don't have one, you'll need to visit a branch in person with alternative identification and proof of address. Call Chase to ask what documents they'll accept.
Can I open a savings account on my phone?
Yes. The Chase mobile app has the same account-opening process as the website. Download the app, log in or create a new login, and select "Open an Account" from the menu.
What's the difference between Chase Savings and Chase Premier Savings?
Chase Premier Savings requires a higher minimum deposit ($10,000 versus $0 for Chase Savings) and typically offers a higher interest rate. Both are opened the same way online. Choose based on how much money you have to deposit and what interest rate each account currently offers.