You can open most Chase accounts online in about 10 minutes using a computer or the Chase mobile app

Chase lets you open a checking or savings account from home without visiting a branch. The process is straightforward: you provide personal information, verify your identity, link a funding source, and choose your account type. Most accounts are ready to use the same day, though it can take a few business days for your debit card to arrive in the mail.

The exact steps depend on whether you are a new Chase customer or already have an account with them. New customers go through a full verification process. Existing customers can open additional accounts faster because Chase already has their information on file.

Key Takeaways

  • You need a valid government ID, Social Security number, and an initial deposit (usually $25 minimum for savings, $100 for some checking accounts, though this varies by account type).
  • Chase verifies your identity by asking security questions based on your credit history, so you must answer correctly to proceed.
  • You can fund your new account immediately using a debit card, another bank account, or a wire transfer.
  • Your account number and routing number appear right after approval, so you can set up direct deposit or transfers the same day even if your debit card has not arrived.
  • If you are opening an account for a minor, a parent or guardian must be present and provide their own ID and Social Security number.

What you need before you start

Gather these items before opening your browser. You will need a valid government-issued ID — a driver's license, passport, or state ID card. Chase will ask you to verify information from it, so have it nearby.

You also need your Social Security number. Chase runs a background check and verifies your identity against credit bureaus, so this is required even if you have never borrowed money. If you do not have a Social Security number, you cannot open an account online; you will need to visit a branch in person.

Have an initial deposit ready. The minimum varies by account type — most savings accounts start at $25, while some checking accounts require $100 or more. You can fund the account with a debit card, a transfer from another bank account, or a wire transfer.

Finally, you need a phone number and email address where Chase can reach you. Chase will send you a verification code by text or email during the sign-up process.

Step-by-step: opening a new account as a first-time Chase customer

Go to chase.com or open the Chase mobile app and look for the "Open an Account" button, usually near the top of the page. Select the account type you want — Chase Total Checking, Chase Savings, or another option. Read the account details so you understand the monthly fee (if any), minimum balance requirements, and interest rate on savings.

Enter your personal information: full name, date of birth, address, phone number, and email. Chase will ask whether you are a U.S. citizen and whether you have a Social Security number. Answer honestly — if you do not have a Social Security number, the online process will stop and direct you to a branch.

Chase will then ask you security questions based on your credit history — things like "Which of these addresses have you lived at?" or "Which lender issued a loan in your name?" Answer as many as you can correctly. If you answer too many wrong, Chase cannot verify you online and will ask you to visit a branch or call 1-800-935-9935.

Review the account terms and conditions, then choose how you want to fund the account. If you use a debit card, enter the card number, expiration date, and CVV. If you transfer from another bank, provide the routing number and account number. Chase will debit your account within one to three business days.

You will receive a confirmation screen with your new account number and routing number. Write these down or take a screenshot — you can use them immediately to set up direct deposit or bill pay, even before your debit card arrives.

Opening an additional account if you already bank with Chase

If you already have a Chase account, opening a second one is faster. Log into your Chase account online or in the app, then look for "Open an Account" or "Add an Account" in the menu. Chase will skip most of the verification steps because they already have your information.

Select your new account type, review the terms, and choose your funding method. You can transfer money from your existing Chase account, use a debit card, or link another bank account. The new account is usually active within minutes.

What happens after you open your account

Your account is live immediately, and you can start using your account number and routing number right away. You can set up direct deposit, receive wire transfers, or send money to other accounts using these numbers before your physical debit card arrives.

Your debit card will arrive by mail within 7 to 10 business days. When it arrives, you will need to activate it before you can use it at ATMs or in stores. Chase will send you a text or email with instructions, or you can activate it in the app or by calling the number on the card.

If you opened a checking account, you may also receive a checkbook in the mail. Checks typically arrive within two to three weeks. You can order additional checks through your Chase account online.

Chase will send you a welcome packet with your account agreement, fee schedule, and other documents. Keep this for your records.

Troubleshooting: what to do if your application stalls

If Chase cannot verify your identity online, you will see a message asking you to visit a branch or call customer service. This usually happens if you answer security questions incorrectly or if Chase's system cannot match your information to credit records. Call 1-800-935-9935 to speak with someone who can help, or visit a Chase branch near you with your ID and Social Security card.

If your initial deposit fails, check that your debit card or bank account information is correct. If you are transferring from another bank, the transfer may take one to three business days. You can also fund your account in person at a Chase branch or ATM once your card arrives.

If you never receive your debit card, contact Chase through your online account or call 1-800-935-9935. They can reorder it or issue a replacement. In the meantime, you can withdraw cash at any Chase ATM using your account number and ID, or request a temporary card at a branch.

Account types and what they cost

Chase offers several account types, each with different features and fees. Chase Total Checking has no monthly fee if you maintain a minimum balance, set up direct deposit, or have a linked savings account. Chase Savings earns interest and has no monthly fee if you keep a minimum balance. Chase Premier Plus Checking is designed for customers who want higher interest rates and premium features, but requires a larger minimum balance.

Read the fee schedule for your chosen account before you open it. Some accounts charge a monthly maintenance fee if you do not meet balance or activity requirements. Others waive fees if you set up direct deposit or keep a linked savings account open. Chase's website shows the current fee structure for each account type.

Frequently Asked Questions

Can I open a Chase account on my phone?

Yes. The Chase mobile app has an "Open an Account" option that works the same way as the website. You will need the same documents and information, and the process takes about 10 minutes. Make sure you have good internet or cellular signal so the connection does not drop during verification.

How much do I need to deposit to open an account?

The minimum initial deposit varies by account type, usually between $25 and $100. Check the account details before you start. You can deposit more if you want, and you can add money to your account anytime after it opens.

What if I do not have a Social Security number?

You cannot open an account online without one. Visit a Chase branch in person with your passport or other government ID, and a banker can help you open an account. You may need an Individual Taxpayer Identification Number (ITIN) instead, depending on your immigration status.

Can I open a joint account online?

No. Joint accounts require both account holders to be present and verified. One person can open the account online, then visit a branch to add the second person, or both can visit a branch together to open it from the start.

When can I use my new account?

Your account number and routing number are available immediately after approval, so you can set up direct deposit or receive transfers the same day. Your debit card arrives in 7 to 10 business days. Until it arrives, you can withdraw cash at Chase ATMs using your account number and ID.