Yes, you can open most Chase accounts entirely online

Chase lets you open a checking or savings account from your computer or phone without visiting a branch. The process takes about 10 minutes, and you'll have an account number and routing number the same day. You'll need a Social Security number, a valid government ID, and a way to fund the account — either a debit card, another bank account, or a wire transfer.

Not every account type is available online. Chase business accounts, some specialty products, and accounts for people under 18 typically require a branch visit or a phone call. If you're opening an account for a minor or as a business owner, you'll need to contact Chase directly or go to a branch location.

Key Takeaways

  • Chase checking and savings accounts can be opened online in about 10 minutes using a computer or mobile app.
  • You will need a Social Security number, valid government ID, and a funding source like a debit card or existing bank account.
  • Your account number and routing number are available immediately after approval, though it may take one to two business days for transfers to process.
  • Business accounts, accounts for minors, and some specialty products require a branch visit or phone call instead of online signup.
  • Chase may decline your application if you have a history with ChexSystems or if there are issues with your identity verification.

What you need before you start

Gather these items before opening your account. You'll need your Social Security number, a valid government-issued ID (driver's license, passport, or state ID), your current address, and your phone number. Chase will verify your identity using this information, so make sure it matches what's on file with the Social Security Administration.

You also need a way to fund the account. Chase accepts debit cards, credit cards, or transfers from another bank account. If you're funding with a debit card, have the card number and expiration date ready. If you're transferring from another bank, you'll need the routing number and account number from that bank. You can fund with as little as $25 for most accounts, though some products have higher minimums.

The online signup process, step by step

Start at Chase.com or open the Chase mobile app. Look for "Open an Account" or "New Account" — the exact wording changes, but it's usually on the homepage. Select the account type you want: checking, savings, or both. Chase will ask you to choose a specific product within that category, like Chase Total Checking or Chase Savings, each with different fees and features.

Enter your personal information: name, date of birth, address, phone number, and Social Security number. Chase will run a background check through ChexSystems, which is a banking history database. This typically takes seconds. If you've had problems with a previous bank account — overdrafts you didn't pay, fraud, or accounts closed by the bank — ChexSystems may flag you, and Chase may decline your application.

Next, verify your identity. Chase may ask you to upload a photo of your ID or answer security questions based on your credit history. This step usually takes a few minutes. Once verified, you'll choose a username and password for online banking, then select your funding method. Enter your debit card number or the routing and account number from your other bank, and the amount you want to deposit.

Review the account terms and disclosures, then submit. You'll see your new account number and routing number on the screen immediately. Chase will send a confirmation email with your account details. Transfers from another bank account typically post within one to two business days; debit card funding is usually instant.

When Chase will decline your application

Chase uses ChexSystems to check your banking history. If you have unpaid overdrafts, accounts closed due to fraud or abuse, or multiple accounts opened and closed quickly, you may be declined. The bank also checks your identity against government databases. If there's a mismatch — your name doesn't match your ID, or your address is flagged — Chase will ask for additional verification or deny the application.

A hard credit inquiry is not part of Chase's online account opening process, so a low credit score won't automatically disqualify you. However, if you've been reported to ChexSystems by another bank, that will show up. You can request your ChexSystems report for free at ChexSystems.com before applying, which gives you a chance to dispute any errors.

What happens after your account opens

Your account is active immediately, and you can log in to Chase.com or the app right away. You can set up bill pay, transfer money, and check your balance. However, you won't have a debit card yet. Chase will mail a physical debit card to your address, which typically arrives within 7 to 10 business days. Until it arrives, you can use your account number and routing number for direct deposits or transfers.

If you need a debit card faster, visit a Chase branch and ask for a temporary card or expedited shipping. Some branches can issue a card on the spot. You can also set up a digital wallet like Apple Pay or Google Pay using your account details while you wait for the physical card.

Account types you cannot open online

Chase business accounts — whether sole proprietor, LLC, or corporation — cannot be opened online. You'll need to visit a branch with your business license, EIN, and personal ID. The process takes longer because Chase verifies your business registration with the state.

Accounts for minors (under 18) also require a branch visit. A parent or guardian must be present with the minor's birth certificate and their own ID. Some Chase specialty accounts, like the Chase Sapphire Banking product or accounts linked to investment services, may also require a phone call or branch visit to complete.

Frequently Asked Questions

How long does it take to open a Chase account online?

The entire process usually takes 10 to 15 minutes. Identity verification is immediate in most cases. Your account number and routing number are available the same day, though transfers from another bank may take one to two business days to post.

Can I open a Chase account if I'm not a U.S. citizen?

Yes, if you have a valid Social Security number or ITIN (Individual Taxpayer Identification Number). Chase will verify your identity using the same process. Bring your passport or other government ID to a branch if you need additional verification.

What if Chase declines my application?

Chase will tell you the reason — usually ChexSystems history or identity verification issues. You can request your ChexSystems report and dispute errors. If the issue is resolved, you can reapply. Some people open accounts at other banks first, maintain good standing for six months, then reapply to Chase.

Do I need a minimum deposit to open an account?

Most Chase accounts require a minimum opening deposit of $25. Some checking products have higher minimums or waive the requirement if you set up direct deposit. Check the specific account terms before you start the application.

Can I open multiple Chase accounts at once?

Yes, you can open a checking and savings account in the same session. However, opening many accounts in a short time may trigger fraud alerts. If you need multiple accounts, space them out by a few weeks.