There are so many things to consider when opening a Chase bank account. What kind of account to open, what documents you need, and the actual account opening process.
This can all be a little overwhelming especially if it’s your first Chase bank account. For anyone that is new to banking, they might want to gain a few insights when they are opening an account.
So What Do You Need to Open a Chase Bank Account?
Opening an account is faster and easier then you may think. Below is a quick guide to help you through the account opening process at Chase Bank. Chase offers many great banking options and even a few Chase Checking bonuses to kick start your banking experience.
*Compare Chase Bank Promotions to other bank bonuses from institutions like HSBC, BBVA, TD Bank, Huntington Bank, CIT Bank, Discover, Bank of America, Citibank, Ally Bank, and more!*
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up to $700 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
What You Need
To open any type of bank account you typically need a few documents to verify your identification and an initial deposit.
Based on the account you are opening, the initial deposit may vary so be sure to check with Chase! You’ll typically need the following:
- Official Identification (Driver’s license passport, etc.)
- Proof of Residency (Mail with your address on it)
- Social Security Card
- Initial Deposit
Which Account to Open at Chase
Chase is one of the largest banks in the United States with several branches and ATM’s.
While these branches may not be in every state and city, their online banking service allows for you to have access to your money from your own convenience.
Meaning with just internet access you can sign-up for an account and take advantage of everything Chase has to offer.
Depending on what you plan to use your bank account for, there are both checking and savings account options. You might want to look out for the types of features they offer with each account.
This includes any monthly fees, minimum balance requirements, and any benefits the account may offer.
- The Chase Total Checking® + Chase SavingsSM accounts are great options for new customers that just want a standard bank account. The Total Checking® Account at Chase is the most popular checking account. While there is a monthly service fee you can always waive it by meeting any of the requirements. Furthermore, while this checking account doesn’t earn interest, when you pair it with the Savings AccountSM you can even earn a generous checking bonus.
- The Chase Premier Plus CheckingSM Enjoy more benefits and earn interest on your new Chase checking account. The $25 Monthly Service Fee is waived when you keep an average beginning day balance of $15,000 or more in any combination of this account and linked qualifying Chase checking, savings and other balances. No Chase fee on first four non-Chase ATM transactions per statement period. Earn interest on your checking account balance.
- With the Chase Sapphire CheckingSM Account you can earn a fantastic bonus when you meet all the requirements. Additionally, you will also receive No ATM fees worldwide, Premier relationship rates on a linked Chase Premier SavingsSM account, higher ATM and purchase limits with your Sapphire Banking Debit Card, no wire transfer fees or stop payment fees, free online stock and ETF trades, no foreign exchange rate adjustment fees on ATM withdrawals or debit card purchases made outside the U.S., no fees on the first four overdrafts within 12 months, invest for free with You InvestSM by J.P. Morgan, $0 minimum to start investing, explore a wide range of stocks, ETFs, mutual funds and fixed income, premier relationship rates on a linked Chase Premier Savings account, Special access to sports and entertainment hospitality lounges. If you are also interested, consider opening a Chase Sapphire Preferred® Credit Card.
- With the Chase CollegeSM Checking Account you can earn a nice bonus for signing up and meeting simple requirements. This account is similar to the Total Checking Account however your monthly service fee is waived for the first 5 years and if you are between ages 17 and 24.
- Chase Private Client is one of the most premier services at Chase. You receive priority service, family benefits, business tools, 24/7 support, and financial specialists when you need them. You also receive exclusive interest rates on savings accounts, discounted rates on loans, higher limits on money transfers with Chase QuickPay® with ZelleSM , and invest for free with You InvestSM by J.P. Morgan. While requirements for this account can be steep it offers a wide variety of features that are worthwhile.
- The Chase High School Account is an opportunity to open a checking account for a child and teach them financial responsibility. This account can only be opened for children between ages 13 and 17 and converts to a Total Checking Account when the student turns 19. While there is no monthly service fee for this account it must be linked to a Parent’s Checking Account to prevent overdrafts and other penalty fees.
- Chase Secure Checking is the most basic checking experience you can sign-up for at Chase. While you do receive a debit card for opening this account there are really no other benefits and features to like about this account. The only reason I’d recommend this account is if you have poor credit and are trying to fix your finances. Furthermore you do not receive checks and there is a $4.95 monthly service fee.
Chase definitely offers a wide variety of checking options to fit your individual needs. Furthermore, you can earn a wonderful bonus when you meet the requirements for your account. Being one of the largest and advanced banking services you can have access to your account using the Chase mobile app or online banking service at any time.
Chase Bank Promotions
 • Earn $300 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. • Multiple ways to waive the $15 Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card. • Full-service business banking. Convenient access to all your business banking services in one place -- lending, checking, credit card and payment solutions. • Your choice of payment types. Choose from a full range of options for accepting payments and making deposits that include Zelle®, Online Bill Pay, wire transfers and ACH payments. • Convenient access to payment processing. Process all major debit and credit cards with QuickAccept®. It's a built-in feature with your Business Complete Checking account. • Get support you can rely on. Get access to our customer support team, plus a wide array of solutions that carter to every stage of your business • Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology. • Associate Debit and Employee Deposit Cards available upon request |
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device. • JPMorgan Chase Bank, N.A. Member FDIC • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
 • New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure BankingSM account with qualifying transactions. Open online or at any Chase branch. • Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure BankingSM customers. • No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance. • Chase Secure BankingSM customers told us they save an average of more than $40 per month on fees after opening their account. • JPMorgan Chase Bank, N.A. Member FDIC. • Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure BankingSM account. • Bank from anywhere with access to more than 15,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase.com. |
 • You're eligible for up to a $3,000 bonus when you open a new Chase Private Client CheckingSM account with qualifying activities. • Speak with a Private Client Banker to open your Chase Private Client CheckingSM account today. Schedule your meeting at your nearest branch to get started. • Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker and 24/7 access to a U.S. based banking service line. • Earn $1,000 when you deposit $150,000 or earn $2,000 when you deposit $250,000 or earn $3,000 when you deposit $500,000. • No fees at Chase and non-Chase ATMs worldwide. • No Chase fee on incoming or outgoing wire transfers. • Enjoy higher limits on Chase Private Client debit card purchases and ATM withdrawals, as well as higher Zelle® and Chase QuickDepositSM limits. • Preferred rates and perks which may make you eligible for a 0.25% auto rate discount and invitation-only events. • Enhance your Chase relationship with access to a dedicated J.P. Morgan Private Client Advisor who can help create a personalized investment strategy. • Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law. |
 • Enjoy $100 as a new Chase checking customer when you open a Chase College CheckingSM account and complete 10 qualifying transactions within 60 days of coupon enrollment. • $0 Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old. • Wire funds internationally using the Chase Mobile® app or chase.com. Send money to recipients around the world with multiple currency options. Fees apply. • Keep track of your money with confidence and control in the Chase Mobile® app. The Chase Mobile app helps you bank securely and conveniently from anywhere. • Zelle® is available in more than 1,000 banking apps in the U.S. So, you can send and receive money from almost anyone you know and trust who has a bank account in the U.S. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • With Fraud Monitoring, Chase may notify you of unusual debit card purchases and with Zero Liability Protection you won't be held responsible for unauthorized debit card purchases when reported promptly. • JPMorgan Chase Bank, N.A. Member FDIC *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Bottom Line
Opening a Chase Bank Account is a simple process as long as you have the documents required to open one. Having an idea of what account to open and what you plan to utilize it for may be to your benefit in a long run and what better way then to get started with Chase.
We have many more banking account offers available for your convenience as well as a full list of coupons from Chase Bank if you plan on banking with Chase.
If you’re not familiar with Chase, you can learn more through our review of Chase Bank.
Don’t hesitate to get started! You might have a worthwhile banking experience. After opening a bank account with Chase, enhance your experience with a credit card issued by Chase!
Can I open a standard bank account, without direct deposit?
I would like to open a checking account, can I use the check issued to me as my initial deposit? I also have a check from Bank of Ozarks Georgia given to me as a Christmas gift from my sister, can I deposit it with Chase Bank here in California?
Thanks.
Hello
My name Samuel,
I registered an inc in Florida USA and I live In Rwanda (Africa)I want open an account in USA in the names of the Inc that I registered,which documents do I need to present to the bank
Lost my social security card, can I use something else?
Hi. Can i use my EAD card as my primary identification card in opening a savings account in your bank? I have a foreign passport with my former husband’s surname but i am now using my current husband’s surname and my pay check and EAD card have the same surnames on it together with ny SSN.
What if I just moved and don’t have a proof of residency yet am I allowed to still apply ?
Yes as long as it’s not expired
Hey Raymond Sloan,
Thanks for being a reader! Linked below is a list of business checking account promotions. Hope this helps!
https://www.hustlermoneyblog.com/best-business-bank-bonuses/
For more bank promotions, see our list of the latest bank deals!
https://www.hustlermoneyblog.com/bank-bonuses/
I am interested in opening a checking account-debit card for business purposes. Is there any promotional opportunities available?
Can I use a passport for identification instead of a driver’s license?
What is the minimum credit score needed to open an a checking account?
How much money will I need to put in the bank to open an account???
If I need to close my old bank account with Chase and open a new one, how soon would I get a new debit card?
What are the alternative forms of ID that would be acceptable if I don’t have a copy of my social security card?
Hi,
Is it possible to apply a credit card using ITIN number?.
I don’t have any other proof other than my passport since i’m in H4 visa status.
So just let me know what are all the documents required for this.
Thank you.
So the minimum deposit is 25 dollars?
Rubi,
You’ll need a few items to open a business account with Chase and you’ll need to follow 4 simple steps. The minimum amount depends on the type of business account that you would like to open that fits your needs. To see the necessary documents and the steps, please visit this helpful guideline to open a Chase Business Account.
What do I need to open a business account? What type of documents and what is the minimum amount?
Ok,I got a few questions.
All my IDs are expred,I havent got the chance to renew them.
My questions are as follows
-Will I be able to use expired State ID to open a chase account?
What about a copy of my passport,will that also work?
Can I use my birth certificate instead of my SS card? I no longer have a physical copy of my SS card and I live across the country from my home state.
Hi Patty,
Unfortunately, you can’t apply online and all checking accounts have to be open at your local Chase Bank branch. Please print out the coupon and apply in person. Yes, you can have your SS check direct deposit. Thanks for reading!
Is it possible for my husband and myself to open an account online? We are US citizens and on vacation in Vietnam and would lime to open an account. Can we have our SS check direct deposit? Thank you
Great info, but, if I´m not a US citizen and live abroad, can i still open an account?, if so, how can i do that?
I want to open one account in chase
Deposit $25 or more at account opening;
I see all comments but can’t seem to see anything saying the amount to open an account….can anyone tell me all i see is bring initial deposite soooh thats what ever a person choose to open an account with??
Website is awesome. I made so much money hustling! Thanks Anthony!
Wow, someone hit the caps lock button. But, Chase does sound like a great choice.
I think your bank is GREAT AND I WOULD LOVE TO OPEN AN ACCOUNT SAVINGS ACCOUNT FOR MY DIRECT DEPOSITS FROM SSI.I FEEL UR BANK IS ALOT SAFER AND SECURE THAN ANY OTHER THANK U AND GOD BLESS