How to Open a Chase Bank Account
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Opening an account with Chase Bank is simple. Take a look at what you'll need and check out your account options in our guide.
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J.P. Morgan Chase Bank is one of the largest national banking chains in the U.S. It offers multiple types of bank accounts, loans, and other financing.
Keep reading to learn how to open an account.
How to Open a Chase Account?
You can open an account online or in-person at a Chase branch location. You will need your:
- Primary (e.g., driver's license and state ID) and Secondary ID (e.g., Social Security card)[1]
- Social Security number
- Contact information (name, home address, email address, phone number)
- Money for opening deposit
You'll need to fill out the application and decide what type of account you would like to open. You're also required to make an initial monetary deposit to open a Chase account.
Read on to see all the individual details about each type of account.
Chase Bank is a member of the FDIC(FDIC# 628).[2] Every customer's funds are insured up to $250,000 in the unlikely event that the bank fails.
In addition, Chase has security measures in line with other major banks, including advanced account information encryption and two-factor authentication.
Does Chase Give Money for Opening an Account?Select your state to get started
Types of Accounts
Chase offers several tiers of checking and savings accounts. Each account grants its owner access to all of the bank's physical locations and ATMs as well as Chase's online banking and mobile app.
Chase's checking and savings accounts charge monthly maintenance fees. Depending on the account, it is possible to waive these charges if you maintain a certain minimum balance or make consistent monthly deposits.
Checking Accounts
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Chase offers checking accounts, each with access to mobile or in-person check deposit as a debit card.
Chase First Banking℠
Chase First Banking is a debit card for kids age 6-17 with $0 monthly service fee. You must be an existing Chase checking customer to open a Chase First Banking account.
The information for the Chase First Banking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Checking Monthly Fees
Chase Total Checking®: $12 ($15, effective August 24, 2025) or $0 with one of the following, each monthly statement period
- Electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow℠ network, (iii) third party services that facilitate payments to your debit card using the Visa® or Mastercard® network,
- OR a balance at the beginning of each day of $1,500 or more in this account,
- OR an average beginning day balance of $5,000 or more in any combination of this account and linked qualifying Chase checking, savings, and other balances.
Chase Premier Plus CheckingSM: Charges $25 per month
Waive that fee by meeting ONE of these conditions:[3]
- Keep an average beginning day balance of $15,000 across this account and your linked qualifying deposits or investments.
- Have a linked qualifying Chase first mortgage enrolled in your account's automatic payments.
- Current members and veterans of the US Armed Forces with qualifying military ID.
Chase Secure BankingSM: Charges $4.95 per month
Avoid the monthly service fee when you have electronic deposits made into the account totaling $250 or more during each monthly statement period.[4]
Chase College CheckingSM: Charges $12 per month ($15 effective 8/24/2025)
Monthly service fee is waived for college students while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
The monthly service fee is $12 ($15 effective 8/24/2025) after the expected graduation date or $0 if you do at least one of the following each statement period[5]
- Have electronic deposits made into this account totaling $500 or more, such as payments from payroll providers or government benefit providers, by using (i) the ACH network, (ii) the Real Time Payment or FedNow network, or (iii) third party services that facilitate payment to your debit card using the Visa® or Mastercard® network
- Keep an average ending day balance of $1,500 or more in your checking account.
Chase High School CheckingSM: Charges $0 per month
Eligibility:[6]
- For students ages 13-17 with their parent/guardian as a co-owner and the account linked to the parent/guardian's personal checking account.
- Linked accounts exclude: Chase High School CheckingSM, Chase College CheckingSM, Chase Secure CheckingSM and Chase First CheckingSM.
- Once the student turns 19, the account will convert to Chase Total Checking account
Chase First BankingSM: Charges $0 per month
Eligibility:[7]
- For children ages 6-17
- Banking account owned by parent/guardian
- Parents must be an existing Chase checking customers to open the account
Chase SapphireSM Checking: Charges $25 per month
How to waive that fee:[8]
- Keep an average beginning day balance of $75,000 across this account and your linked qualifying deposits or investments.
Chase Private Client CheckingSM: Charges $35 per month
Waive that fee when you have any ONE of the following:[9]
- Maintain an average beginning day balance of $150,000 or more in any combination of this account and linked qualifying deposits and investments.
- Have a linked Chase Platinum Business CheckingSM account
Savings Accounts
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Chase offers two savings accounts with different interest rates. Both charge Chase Savings account fees, which can be waived by meeting certain requirements.
Savings Monthly Fees
Chase SavingsSM: Charges $5 per month
Waive that fee by meeting ONE of these conditions:[10]
- Be an account owner younger than 18 years of age. (NOTE: Once you turn 18, your account will automatically begin charging you unless you meet one of the requirements below.)
- Maintain a daily balance of at least $300 in the savings account itself.
- Schedule an automatic monthly transfer of at least $25 from your Chase checking account.
- Have a linked Chase Premier Plus CheckingSM, Chase SapphireSM checking account, or Chase Private Client CheckingSM.
- Have a linked Chase College CheckingSM for Overdraft Protection.
Chase Premier SavingsSM: Charges $25 per month
Waive that fee by meeting ONE of these conditions:[11]
- Maintain a minimum balance of $15,000 every day.
- Have a linked Chase Premier Plus CheckingSM or Chase SapphireSM checking account.
Compare Savings Accounts
High-Yield Savings Account - 4.31% APY
- $1 minimum deposit
- No fees
- 24/7 online access to funds
- FDIC insured
CIT Bank Platinum Savings - 4.00% APY
- 4.00% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY925 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/12/2026, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
Bottom line
You can open a Chase checking or savings account with a few basic information and an initial deposit. Each account charges a monthly fee, which can be waived by meeting certain criteria.
References
- ^ Chase. Acceptable Forms of Identification, Retrieved 8/22/2023
- ^ FDIC. BankFind: JPMorgan Chase Bank, National Association, Retrieved 9/15/2022
- ^ Chase. Chase Premier Plus Checking Account Fees, Retrieved 6/19/2024
- ^ Chase. Chase Secure Banking Fees, Retrieved 04/04/2024
- ^ Chase. Chase College Checking, Retrieved 6/19/2024
- ^ Chase. Chase High School Checking Account Fees, Retrieved 12/12/2022
- ^ Chase. Chase First Banking, Retrieved 6/19/2024
- ^ Chase. Chase Sapphire Checking Account Fees, Retrieved 9/15/2022
- ^ Chase. Chase Private Client Checking, Retrieved 6/17/2024
- ^ Chase. Chase Savings Account Fees, Retrieved 9/15/2022
- ^ Chase. Chase Premier Savings Account Fees, Retrieved 9/15/2022
Bank of America Advantage Banking - Up to $500 Cash Offer
- The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
- The offer is for new checking customers only.
- Offer expires 1/31/2026.
- To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
Cash Bonus Total Qualifying Direct Deposits $100 $2,000 $300 $5,000 $500 $10,000+ - If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
- Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
- Additional terms and conditions apply. See offer page for more details.
- *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
- Bank of America, N.A. Member FDIC.
Wells Fargo Everyday Checking Account - $325 Bonus
- Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
- Wells Fargo Bank, N.A.
Member FDIC
U.S. Bank Business Essentials - $400 Bonus
Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.
Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.
Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.
New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.
Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.
All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.
Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC
Discover® Online Savings - $200 Cash Bonus
To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY925 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.
What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/12/2026, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.
CIT Bank Platinum Savings - 4.00% APY
- 4.00% APY with a balance of $5,000 or more
- 0.25% APY with a balance of less than $5,000
- $100 minimum opening deposit
- No monthly maintenance fee
- Member FDIC
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