Updated September 3, 2023

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.

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.

Is Chase safe?
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.

Do you have your social security number memorized?

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

Chase offers checking accounts, each with access to mobile or in-person check deposit as a debit card.

Checking Monthly Fees

Chase Total Checking®: Charges $12 per month

Waive that fee by meeting ONE of these conditions:[3]

  • Have at least $500 deposited via direct deposit every month.

  • Maintain at least a $1,500 balance every day in the account.

  • Keep an average beginning day balance of $5,000 across all of your qualifying Chase checking/savings accounts.

Chase Premier Plus CheckingSM: Charges $25 per month

Waive that fee by meeting ONE of these conditions:[4]

  • Keep an average beginning day balance of $15,000 across all of your qualifying Chase checking/savings accounts.

  • Open a first home mortgage through Chase and enroll in automatic payments from your account.

  • 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.[5]

Chase College CheckingSM: Charges $12 per month

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 after the expected graduation date or $0 if you do at least one of the following each statement period:

  • 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


  • 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


  • 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:[7]

  • Keep an average beginning day balance of $75,000 across all of your qualifying Chase checking/savings accounts.

Chase Private Client CheckingSM: Charges $35 per month

Waive that fee when you have any ONE of the following:[8]

  • 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

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:[9]

  • 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:[10]

  • Maintain a minimum balance of $15,000 every day.

  • Have a linked Chase Premier Plus CheckingSM or Chase SapphireSM checking account.

Compare Savings Accounts

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.


  1. ^ Chase. Acceptable Forms of Identification, Retrieved 8/22/2023
  2. ^ FDIC. BankFind: JPMorgan Chase Bank, National Association, Retrieved 9/15/2022
  3. ^ Chase. Chase Total Checking Account Fees, Retrieved 9/15/2022
  4. ^ Chase. Chase Premier Plus Checking Account Fees, Retrieved 9/15/2022
  5. ^ Chase. Chase Secure Banking Fees, Retrieved 04/04/2024
  6. ^ Chase. Chase High School Checking Account Fees, Retrieved 12/12/2022
  7. ^ Chase. Chase Sapphire Checking Account Fees, Retrieved 9/15/2022
  8. ^ Chase. Banking with Chase Private Client, Retrieved 9/15/2022
  9. ^ Chase. Chase Savings Account Fees, Retrieved 9/15/2022
  10. ^ Chase. Chase Premier Savings Account Fees, Retrieved 9/15/2022
Member FDIC

Chase Total Checking® - $300 Bonus

Expires 7/24/2024
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • 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 Assist℠ - 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*
Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 5/31/2024
  • The $200 bonus offer 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 5/31/2024.
  • To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
  • Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.
Discover Bank
Member FDIC

Online Savings Account - Earn 4.25% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.00% APY

  • 5.00% 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

Free Business Checking - Up to 2.0% APY

  • 2.0% APY on your balance up to $250,000 for customers that meet monthly eligibility requirements
  • $0 minimum opening deposit
  • $0 monthly service fee
Banking services provided by Coastal Community Bank, Member FDIC

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About CreditDonkey
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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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