Bring these documents to open a Chase checking account

Chase requires a government-issued photo ID, proof of your current address, and your Social Security number before they will open a checking account. You can bring your documents to a branch in person, or you can open an account online if you have a valid ID and can verify your identity through Chase's digital process. The in-person route is faster if you want to use your debit card the same day; the online route takes a few minutes but the card arrives by mail in five to seven business days.

What you bring depends on whether you are opening the account at a branch or online. Both paths require the same core information, but the documents that prove it differ slightly. If you have an existing Chase account, you may need less documentation — the bank already has your information on file.

Key Takeaways

  • Bring a government-issued photo ID (driver's license, passport, or state ID card) and proof of your current address, such as a utility bill or lease.
  • Chase will ask for your Social Security number; if you do not have one, bring an Individual Taxpayer Identification Number (ITIN) instead.
  • Opening an account online requires the same documents but you upload images of them rather than showing originals; Chase verifies your identity through their app.
  • If you already have a Chase account, bring your existing debit card or account number to speed up the process.
  • Chase branches have different hours and some locations may have wait times; calling ahead or using their online appointment tool can save you time.

What to bring for an in-person account opening at a Chase branch

Bring your government-issued photo ID — a driver's license, passport, passport card, or state ID card. Chase will not accept a student ID, library card, or expired ID. If your ID has expired within the last year, call the branch ahead of time to ask whether they will accept it; policies vary by location.

Bring proof of your current address. Chase accepts a utility bill (electric, gas, water, internet), a lease or mortgage statement, a bank statement from another bank, a credit card statement, or a government document with your name and address. The document must show your name and current address and be dated within the last 60 days. A post office change-of-address form does not count. If you recently moved and do not yet have a utility bill in your name, bring your lease or a signed letter from your landlord.

Bring your Social Security number or Individual Taxpayer Identification Number (ITIN). Chase will ask you to provide it verbally or write it on a form; they do not require you to bring a card or document. If you do not have a Social Security number or ITIN, ask the branch whether they can open an account without one — some branches can, but policies differ.

What to bring if you already have a Chase account

If you already have a Chase savings account, credit card, or other product, bring your existing debit card or your account number. Chase can pull up your information in their system, which means you will not need to provide your address or Social Security number again — they already have it. This speeds up the process significantly.

If your existing account information has changed — you moved, changed your phone number, or changed your name — tell the banker before they open the new account. They will update your profile, which ensures your new checking account has current information from the start.

Opening a Chase checking account online instead

You can open a checking account on Chase's website or mobile app without visiting a branch. You will need to upload a photo of both sides of your government-issued ID and provide your Social Security number or ITIN. Chase will also ask you to verify your identity by answering security questions or confirming recent transactions on your credit report.

The online process takes 10 to 15 minutes. Chase will tell you immediately whether your account is open. Your debit card will arrive by mail within five to seven business days. Until it arrives, you can use your account number and routing number to set up direct deposit or pay bills online.

If Chase cannot verify your identity online — for example, if you have limited credit history or recently moved — they will ask you to visit a branch or call their verification team. Have your documents ready if they contact you.

Documents you do not need to bring

Chase does not require a minimum deposit to open a checking account, so you do not need to bring a check or proof of funds. You do not need to bring a second form of ID, even if your primary ID is a passport. You do not need to bring your Social Security card itself — telling the banker your number is enough.

You do not need to bring paperwork from your employer, proof of income, or tax returns. Chase does not verify income for checking accounts. If you are opening a business checking account, the requirements are different — you will need an Employer Identification Number (EIN) and business formation documents — but for a personal checking account, income is not part of the process.

What happens after you open the account

Once your account is open, the banker will give you a temporary debit card if you opened in person, or your card will arrive by mail if you opened online. You will receive a welcome packet with your account number, routing number, and information about online banking and mobile app access.

Set up online banking and the Chase mobile app as soon as possible. You will need your account number and a password. Once you are logged in, you can transfer money, pay bills, set up direct deposit, and monitor your account. If you opened your account online, you can start using your account number and routing number for direct deposit or bill payments before your physical debit card arrives.

Frequently Asked Questions

Can I open a Chase checking account without a Social Security number?

Chase prefers a Social Security number but will accept an Individual Taxpayer Identification Number (ITIN) instead. If you have neither, call your local Chase branch and ask whether they can open an account without one — some branches have flexibility, but it is not may provide. Bring your passport or other government ID and proof of address.

What if my address on my ID does not match my current address?

Bring both your ID and a separate proof of your current address, such as a utility bill or lease. Chase will use the current address document to update your account. You do not need to update your ID first.

Can I open an account if my ID is expired?

It depends on how recently it expired. Call the branch ahead of time and tell them the expiration date. Most branches will accept an ID that expired within the last year, but some will not. If yours is older than that, bring a passport or passport card instead.

Do I need an appointment to open a checking account at Chase?

Appointments are not required, but Chase branches can have wait times during lunch hours and after work. You can book a free appointment through Chase's website or by calling the branch. Walk-ins are welcome, but an appointment usually means you will be seen within 15 minutes.

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

In person, the process takes 10 to 20 minutes. Online, it takes 10 to 15 minutes, but your debit card arrives by mail in five to seven business days. If Chase needs to verify your identity by phone, add one to two business days.