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What Documents Do I Need To Open Chase Bank Account
Edited by Alyssa Trostle Edited by Alyssa Trostle Editor Alyssa is an editor for the Guides team covering personal finance, insurance and credit.
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When opening a new bank account, you want to choose a financial institution that’s convenient, keeps fees to a minimum, and offers a variety of services. As the nation’s largest bank, Chase is a reputable choice for checking, savings and CD accounts. With extensive digital banking services and branches in all lower 48 states, it can fit your needs no matter how you prefer to do your banking.
In this article, our guide team will compare Chase bank account options and tell you how to open a Chase account at a branch or online.
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Personal banking is a big financial decision, especially with the number of product options and rates available on the market. To help you make the best possible choice, we at the Guides team are dedicated to providing you with a comprehensive overview of the best banks, credit unions and financial technology products available in the United States. Our team researched more than 100 of the nation’s largest and most popular financial institutions, gathering information on each provider’s account options, fees, rates and terms.
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Chase checking, savings and CD accounts have similar application processes. You must gather the required information and documents and apply for an account on Chase.com or in person. Follow these steps to make the process easier:
First, decide what type of account you want to open. For example, you might choose a Chase checking account for everyday expenses and a savings account for your savings goals. Also consider account features, fees, and any minimum opening deposit requirements. And for CD, you will also choose a term.
Next, decide if you want to apply in person or online. Applying online can save you time, but make sure it’s the right option for your situation and the account you want. For example, applications for joint accounts, the Chase High School Checking account and CDs for new customers must be made in person at a Chase Bank near you.
The Chase bank account application will request information about each account holder. While specifics may vary by account type, common elements include:
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Chase also needs identification documents. If you apply online, you will use your driver’s license or state ID for your primary ID. If you apply at a Chase branch, you can provide alternatives such as your passport, Social Security card or military ID. In-person applications also require secondary ID, such as another primary ID, employer ID, or a Chase-issued bank card.
If you plan to open a Chase College Checking℠ account, you’ll need proof that you’re a student. This could be your college acceptance letter or current transcript.
If you visit a Chase branch, just tell the banker you’re ready to open an account. You will provide them with the information and documents listed in step two. You can set up an online bank account later.
To apply online, visit the account page on Chase.com and look for the Get Started, Open Account, or Open Now button. You’ll see an option to sign in if you’re an existing Chase customer, and this fills in some personal information to save you time. Otherwise, you will provide the second step information, including your photo ID, on multiple application screens.
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The online application asks you to sign various agreements, set your account preferences, and create online banking credentials. You’ll choose a term if you open a CD and create a PIN if you open a checking account.
If you apply for a CD, Chase forces you to choose a linked bank account for the lump sum deposit. Otherwise, you will fund your account after opening it. At the end of the application, click “Open Account”.
Once you open a Chase account, you can start using online banking and make personal transactions. You should also receive documentation from Chase with your new account information. If you have a checking account that allows paper checks, you should order them. It will take about a week for your debit card to arrive.
You have several options for funding your new Chase checking or savings account. You can use the Chase mobile app or website to transfer money from another bank account, or you can ask someone to send you funds through Zelle. You can also fund your account with direct deposits or mobile check deposits. If you prefer to deposit cash, visit a Chase ATM or local branch.
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Chase Bank has a long history dating back to 1877. It is now a popular and affordable bank with more than 4,700 branches in Washington and every state except Hawaii and Alaska. Chase also has a large network of over 15,000 ATMs.
The bank has a positive reputation when it comes to industry awards and rankings. It led the J.D. Power 2023 US Retail Banking Satisfaction Study in Florida and the Mid-Atlantic and Upper Midwest regions. The Better Business Bureau gives JPMorgan Chase & Co. an A+ rating, but the financial institution is not accredited by the BBB.
Chase offers a wide selection of checking accounts, including interest-bearing accounts and options for children and students. It also has two regular savings accounts and a bank CD for higher annual interest returns.
Other than the CD, Chase accounts do not require a minimum opening deposit. A few accounts have a monthly fee, but there’s often a way to waive it, such as keeping a minimum daily balance or having a linked Chase account.
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Chase Secure Banking is a checking account that doesn’t allow you to write paper checks or overdraft your account. It’s best for use with your debit card, Zelle and electronic bank transfers. However, Chase does provide free cashier’s checks and money orders. You may also be able to receive early direct deposits.
There is no minimum deposit for a Chase Secure Banking account and it does not earn interest. The bank charges a $4.95 monthly service fee that you cannot waive.
Chase Total Checking supports paper checks as well as your debit card and electronic transfers. This account includes the Chase Overdraft Assist℠ feature, which lets you avoid overdraft fees on charges up to $50. You just need to deposit the overdraft amount by the end of the next business day.
This account does not pay interest or offer early direct deposits. You also don’t get free cashier’s checks or money orders. But you do get a useful automatic saving option if you have a Chase savings account.
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If you don’t want to pay for a checking account, check out our list of the best free checking accounts.
Chase Premier Plus Checking is an interest-bearing account with several benefits. It has the core features of Chase Total Checking, including automatic savings and Overdraft Assist, and includes free cashier’s checks and money orders. You can order checks from Chase and get four non-Chase ATM fees reimbursed each cycle.
No minimum deposit required. The $25 monthly account fee may be waived if one of the following situations applies:
Once you open this account, you get a monthly fee waiver for a Chase savings account and two other checking accounts.
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If you want to explore checking accounts with benefits, read our list of the best bank account perks.
Chase Sapphire Banking is a premium checking account that earns interest. It offers dedicated 24/7 phone support and free Chase design checks. You get the following benefits, some of which can save you money:
No minimum deposit required. You can waive the $25 monthly service fee if your qualifying Chase accounts have a total minimum average opening daily balance of $75,000.
Chase Private Client Checking pays interest and extends the benefits of a Chase Sapphire Banking account. You get access to special events and personalized support from a dedicated personal banker and business banking advisor. This account also comes with custom design checks and the ability to get lower interest rates on car and home loans.
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Chase Private Client Checking has no minimum deposit. The $35 monthly fee can be waived using one of the following options:
The account does not earn interest and Chase limits online banking services. For example, it doesn’t support Zelle, direct deposits, or mobile check deposits. Overdraft protection is also not available. This account has no monthly fee or minimum deposit.
Chase High School Checking is an account you can have with your teen between the ages of 13 and 17. Unlike Chase First Banking, it supports Zelle, direct deposit, and full online banking services. It also has an auto save option and allows teenagers to deposit checks remotely. However, it does not pay interest or provide overdraft protection.
There is no minimum deposit.
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