Open a Chase savings account directly in the app in about 10 minutes
You can open a Chase savings account entirely through the Chase mobile app without visiting a branch. The process takes roughly 10 minutes and requires your Social Security number, a valid ID, proof of address, and an initial deposit method. The app guides you through each step and tells you immediately whether your account is approved.
Chase offers several savings account types through the app: the Chase Savings Account (the standard option), Chase Premier Savings (requires higher balances), and Chase Secure Savings. Which one appears depends on your location and account history. The app shows you the current interest rate, monthly fees (if any), and minimum balance requirements before you commit.
Key Takeaways
- You need your Social Security number, a government-issued ID, and proof of your current address to start the application in the app.
- The app asks you to verify your identity by taking a photo of your ID and answering security questions based on your credit history.
- You must link a funding source (a bank account or debit card) to make your initial deposit, which can be as little as $0 for most Chase savings accounts.
- The app tells you within minutes whether your account is approved, and you can begin using it the same day.
- If you already have a Chase checking account, the app recognizes it and speeds up the process by using information you have already provided.
What documents and information you need before you start
Gather these items before opening the app to avoid stopping mid-application. You will need a government-issued photo ID (driver's license, passport, or state ID card) that is currently valid. Chase will ask you to photograph both the front and back, so make sure the images are clear and well-lit.
You also need your Social Security number and proof of your current address. Proof of address can be a recent utility bill, lease agreement, mortgage statement, or government document showing your name and current street address. The document should be dated within the last 60 days. If you do not have a recent document, a bank statement or credit card statement usually works.
Have a funding source ready—either a bank account number and routing number, or a debit card. This is how you will make your initial deposit. Chase does not require a minimum opening deposit for most savings accounts, but you will need to link something to complete the application.
Step-by-step: opening the account in the app
Open the Chase mobile app and log in to your existing Chase account, or tap "Enroll" if you do not have one yet. If you are enrolling for the first time, you will create a username and password before you can open a savings account. Once you are logged in, look for the option to open a new account—this is usually on the home screen under "Open an account" or in the menu under "Products."
Select "Savings Account" from the list of account types. The app will show you the savings account options available in your state and display the current interest rate, any monthly maintenance fees, and the minimum balance to avoid fees. Read these details carefully, as they vary by location and account type. Tap the account type you want and proceed.
The app will ask you to verify your identity. Take a clear photo of the front of your government-issued ID, then the back. Make sure your face is visible, the text is readable, and there is no glare. The app uses this photo to confirm your identity matches your application.
Next, answer security questions based on your credit history. These questions ask about past addresses, previous loans, or credit accounts. Answer as accurately as possible—the system is checking that you are who you say you are. If you answer incorrectly, the app may ask for additional verification, such as a video call with a Chase representative.
Enter your Social Security number and confirm your date of birth. Provide your current address and phone number. The app will ask whether you want to link an existing Chase account (if you have one) or provide a new funding source for your initial deposit. If you are linking an existing Chase checking account, the process is faster because Chase already has your banking information.
If you are funding from an external bank account, enter the account number and routing number. If you are using a debit card, enter the card number and expiration date. Choose how much you want to deposit initially—this can be $0 for most accounts, though some premium savings accounts have minimum opening deposits. Review all the information you entered, then submit your application.
What happens after you submit your application
Chase processes most applications within minutes. The app will display a confirmation screen telling you whether your account is approved or if additional information is needed. If approved, your savings account number appears on the screen immediately, and you can begin using the account right away.
If Chase needs more information, the app will explain what is missing or what additional step is required. This might be a video call to verify your identity, a request for clearer photos of your ID, or confirmation of your address. Follow the instructions in the app to complete these steps. Most additional verifications take less than 24 hours.
Once your account is open, it will appear in your Chase app alongside any other accounts you have. You can transfer money between your new savings account and your checking account, set up automatic transfers, and view your interest earnings. The account is fully functional the same day it is approved.
Funding your new savings account
You can deposit money into your new savings account through the Chase app using several methods. If you linked an external bank account during signup, you can transfer money from that account to your Chase savings account. External transfers typically take one to three business days to appear in your savings account.
If you have an existing Chase checking account, transfers between your Chase accounts are usually instant. You can also deposit cash at a Chase ATM or branch if you have a debit card linked to your savings account. Mobile check deposit (photographing a check through the app) is available for most Chase savings accounts.
Direct deposit to your savings account is also possible. You will need to provide your employer or benefit provider with your Chase routing number and your new savings account number. Direct deposits typically post within one to two business days of being sent.
Common reasons the app might reject your application
Chase may decline your application if you have a history of overdrafts, fraud, or unpaid accounts with Chase or other banks. If your identity verification fails—for example, if your ID photo is unclear or your answers to security questions do not match Chase's records—the app will ask for additional documentation.
You cannot open a Chase account if you are under 18 years old (with some exceptions for accounts opened by a parent or guardian). If you are not a U.S. citizen or do not have a valid Social Security number, you may not be able to open an account through the app, though you can visit a branch to explore other options.
If your address cannot be verified, Chase may ask for additional proof. Make sure the address you enter matches your ID exactly. If you recently moved and your ID still shows an old address, bring a recent utility bill or lease to a Chase branch, or contact Chase customer service to update your information before trying again.
Frequently Asked Questions
Can I open a Chase savings account if I do not have an existing Chase account?
Yes. If you do not have a Chase account, tap "Enroll" on the app login screen to create a username and password first. Once you are enrolled, you can open a savings account. The process is the same as opening one if you already have a Chase checking account, but it takes a few extra minutes to set up your login credentials.
What if my ID photo does not pass verification?
The app will tell you the photo did not meet the requirements and ask you to retake it. Make sure the ID is fully visible, well-lit, and in focus. If you retake the photo and it still fails, Chase may offer a video call option where a representative verifies your identity in real time. This usually takes 5 to 10 minutes.
How long does it take to receive my debit card for the savings account?
Chase typically mails a debit card within 7 to 10 business days of account approval. You can use your savings account before the card arrives by transferring money through the app or using mobile check deposit. If you need the card faster, visit a Chase branch to request expedited delivery.
Can I open multiple savings accounts through the app?
Yes. Once your first savings account is open, you can open additional savings accounts through the app. Each account has its own number and can be used separately. This is useful if you want to save for different goals or take advantage of different interest rates on different account types.
What is the minimum deposit required to open a Chase savings account?
Most Chase savings accounts have no minimum opening deposit. You can open the account with $0 and deposit money later. Some premium savings accounts, like Chase Premier Savings, may have higher minimum balance requirements to avoid monthly fees, but these vary by location. The app shows the requirements for your account type before you submit your application.