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 Total Checking® - $300 Bonus
- 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*
Chase Secure Banking℠ - $100 Bonus
- New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ 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 Banking℠ 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.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Track your credit score, get a personalized action plan provided by Experian™ to help improve your score and receive identity monitoring for free through Chase Credit Journey®.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ 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.
- JPMorgan Chase Bank, N.A. Member FDIC.
Chase Business Complete Banking® - $300 Bonus
- 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.
- Helping you save money. Multiple ways to waive $15 service fee and unlimited digital transactions helps you keep more of your money.
- Full-featured banking online and on-the-go. Manage your business' finances on your terms with the latest online and mobile banking technology.
- Trusted and secure financial partner. We're committed to helping you grow and protect your business.
Chase College Checking℠ - $100 Bonus
- Enjoy $100 as a new Chase checking customer when you open a Chase College Checking℠ account and complete 10 qualifying transactions within 60 days of coupon enrollment.
- No Monthly Service Fee while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.
- Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number or who are 17-year-olds can only open an account at a branch.
- Keep track of your money in the Chase Mobile® app. The app helps you manage your money.
- 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.
- Access to more than 15,000 Chase ATMs and more than 4,700 branches.
- JPMorgan Chase Bank, N.A. Member FDIC
- Chase Overdraft Assist℠ - no 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 bring your account balance to overdrawn by $50 or less at the end of the next business day*
Chase Private Client - Up to $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
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 ATM fees 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 QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
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.
Chase High School Checking℠
There is no monthly service fee for students 13-17 at account opening with their parent/guardian as a co-owner and the account linked to the parent/guardian's eligible personal checking account.
The information for the Chase High School Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.
Chase Total Checking® + Chase Savings℠ - $900 Bonus
- Earn $300 when you open a new Chase Total Checking® account and set up and receive a direct deposit within 90 days of coupon enrollment
- Earn $200 when you open a new Chase Savings℠ account, deposit $15,000 or more in new money within 30 days of coupon enrollment, and maintain $15,000 or more for 90 days of coupon enrollment.
- Earn an additional $400 when you open a new Chase Total Checking® and new Chase Savings℠ at the same time and complete qualifying activities for both accounts.
The information for Chase Total Checking® and Chase Savings℠ have 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®: 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 Total Checking® - $300 Bonus
- 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*
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
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:
- 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
Chase Private Client - Up to $3,000 Bonus
- You're eligible for up to a $3,000 bonus when you open a new Chase Private Client Checking℠ account with qualifying activities.
- Speak with a Private Client Banker to open your Chase Private Client Checking℠ account today. Schedule your meeting at your nearest branch or over the phone.
- Priority service for everyday banking. Receive personalized attention from a dedicated Chase Private Client Banker who is ready to help you.
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 ATM fees 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 QuickDeposit℠ limits.
- Deposit products provided by JPMorgan Chase Bank, N.A. Member FDIC. Deposit products are FDIC insured up to the maximum amount allowed by law.
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:[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
High-Yield Savings Premier - 5.36% APY
- No account activity or maintenance fees
- $500 minimum opening deposit
- FDIC insured
CIT Bank Platinum Savings - 5.05% APY
- 5.05% 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
UFB Secure Savings - Earn up to 5.25% APY
- Earn up to 5.25% APY*
- No monthly maintenance fees
- No minimum deposit required to open an account
- Access your funds 24/7 with easy-to-use digital banking tools
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 Total Checking Account Fees, Retrieved 9/15/2022
- ^ Chase. Chase Premier Plus Checking Account Fees, Retrieved 9/15/2022
- ^ Chase. Chase Secure Banking Fees, Retrieved 04/04/2024
- ^ Chase. Chase High School Checking Account Fees, Retrieved 12/12/2022
- ^ Chase. Chase Sapphire Checking Account Fees, Retrieved 9/15/2022
- ^ Chase. Banking with Chase Private Client, Retrieved 9/15/2022
- ^ Chase. Chase Savings Account Fees, Retrieved 9/15/2022
- ^ Chase. Chase Premier Savings Account Fees, Retrieved 9/15/2022
Chase Total Checking® - $300 Bonus
- 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 Advantage Banking - $200 Bonus Offer
- 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.
U.S. Bank Smartly® Checking and Standard Savings - Up to $700 Bonus
Earn up to $500 with a new Bank Smartly Checking account. Complete the following within 90 days of account opening:
- Enroll in online banking or the U.S. Bank Mobile App
- Make two or more direct deposit(s) totaling $3,000 to $4,999.99 to earn $100, $5,000 to $9,999.99 to earn $300 or $10,000 or more to earn $500
Earn up to $200 with a new Standard Savings account.
- Make new money deposit(s) totaling $15,000 or more by July 17, 2024
- Maintain that balance until October 31, 2024
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
Personal Checking Account - $200 Bonus
Open an eligible Fifth Third checking account. Make direct deposits totaling $500 or more within 90 days of account opening to qualify for bonus. The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements.
Online Savings Account - Earn 4.25% APY
- No fees
- No minimum opening deposit
- No minimum balance required
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