Documents and information you'll need before you walk in
Chase requires a government-issued photo ID, your Social Security number, and an initial deposit to open a checking or savings account. The specific amount for the deposit varies by account type — some accounts have no minimum, while others require $25 or more. You'll also need a current mailing address.
If you're opening an account online instead of in a branch, Chase will ask you to verify your identity through their system, which usually means answering questions about your credit history or past addresses. This takes a few minutes and happens right after you enter your information.
Bring a second form of ID if you have one — a passport, military ID, or state ID card. Chase doesn't always require it, but having it speeds things up if there's any question about your identity.
Key Takeaways
- You need a valid government photo ID, your Social Security number, and proof of your current address to open any Chase account.
- Most Chase checking accounts require a minimum opening deposit, though the amount depends on which account you choose.
- You can open an account online in minutes or visit a branch in person; online accounts are verified through identity questions rather than in-person review.
- If you don't have a Social Security number, Chase offers accounts for non-U.S. citizens using an Individual Taxpayer Identification Number (ITIN) instead.
What counts as proof of address
Chase accepts a utility bill, lease agreement, mortgage statement, or government mail dated within the last 60 days. A bank statement from another bank also works. The document must show your name and current address — a PO box does not count.
If you don't have any of these, some Chase branches will accept a recent tax return or a letter from your employer on company letterhead that includes your address. Call your local branch ahead of time to confirm what they'll take, because policies can vary slightly by location.
Opening an account online versus in a branch
Online accounts open faster — usually within minutes — and you can do it from home. Chase will verify your identity by asking security questions based on your credit file, then send you a confirmation email. You'll receive a debit card in the mail within 7 to 10 business days.
Opening in a branch takes longer but gives you a chance to ask questions and understand the account features before you commit. A banker can also help you choose between account types based on how you plan to use it. Both routes end with the same account; the difference is just timing and how much hand-holding you get.
If you're opening online and the identity verification fails — which can happen if your credit file is thin or you've recently moved — Chase will ask you to visit a branch with your documents instead.
Minimum deposit amounts by account type
| Account Type | Minimum Opening Deposit |
|---|---|
| Chase Total Checking | $0 |
| Chase Premier Plus Checking | $25 |
| Chase Sapphire Checking | $25 |
| Chase Savings Account | $0 |
| Chase Money Market Account | $25 |
These minimums can change, so check Chase's website or call your local branch to confirm the current requirement for the account you want. Some branches may have different minimums than others, though this is rare.
If you don't have a Social Security number
Chase will open an account using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. You'll need to bring your ITIN documentation along with your passport or other government-issued ID from your home country.
Not all branches handle ITIN accounts, so call ahead or visit a larger branch location. The process takes longer than a standard account opening because the banker has to verify your ITIN through additional steps, but the account works exactly the same once it's open.
What happens after you open the account
Chase will issue you a debit card, which arrives by mail in 7 to 10 business days. You can start using your account immediately online or through the Chase mobile app, even before the card arrives. If you opened in a branch, ask if they can issue a temporary card number you can use right away.
Your account comes with online banking access and the Chase mobile app. You can set up direct deposit, transfer money between accounts, and pay bills through the app before your physical card ever shows up.
If you opened with a minimum deposit, that money sits in your account and counts toward your balance — it's not a fee. You can withdraw it anytime.
Frequently Asked Questions
Can I open a Chase account if I have bad credit?
Yes. Chase does not run a credit check to open a checking or savings account. They do check ChexSystems, which is a banking history report, but having a poor banking history doesn't automatically disqualify you. If you've had accounts closed for overdrafts or fraud in the past, call Chase first to ask whether you can open an account.
Do I need to be a U.S. citizen to open a Chase account?
No. You need a valid government-issued ID and either a Social Security number or an ITIN. Non-citizens with work visas or permanent residency can open accounts using their passport and ITIN or Social Security number if they have one.
What if I don't have a government photo ID?
Chase requires a government-issued photo ID — there's no workaround for this. If you don't have one, you'll need to get a state ID card or passport first. Some states offer ID cards specifically for people who don't drive; contact your state's DMV to learn what's available.
Can I open an account for someone else?
No. The person whose name is on the account must be present and provide their own ID and Social Security number. Parents can open custodial accounts for minors, but the child's Social Security number and the parent's ID are both required.
How long does it take to open an account online?
The application itself takes 5 to 10 minutes. Identity verification happens immediately if your credit file is complete; if it fails, Chase will ask you to visit a branch instead. Once verified, your account is active right away, though your debit card takes 7 to 10 business days to arrive.