How to Open a Chase Bank Account

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.

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®: $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 Checking^SM: 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 Banking^SM: 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 Checking^SM: 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 Checking^SM: 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 Checking^SM, Chase College Checking^SM, Chase Secure Checking^SM and Chase First Checking^SM.

• Once the student turns 19, the account will convert to Chase Total Checking account

Chase First Banking^SM: 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 Sapphire^SM 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 Checking^SM: 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 Checking^SM 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 Savings^SM: 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 Checking^SM, Chase Sapphire^SM checking account, or Chase Private Client Checking^SM.

• Have a linked Chase College Checking^SM for Overdraft Protection.

Chase Premier Savings^SM: 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 Checking^SM or Chase Sapphire^SM checking account.

Compare Savings Accounts

High-Yield Savings Account - 4.31% APY

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• $1 minimum deposit
• No fees
• 24/7 online access to funds
• FDIC insured

Member FDIC

CIT Bank Platinum Savings - 4.00% APY

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• 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

Member FDIC

Discover® Online Savings - $200 Cash Bonus

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY325 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 09/11/2025, 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.

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Expires in 3 days

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.

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