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

This monthly service fee cannot be waived.[5]

Chase College CheckingSM: Charges $6 per month

Waive that fee when you have any ONE of these conditions:[6]

  • College students while in school up to the graduation date provided at account opening (five years maximum) for students 17-24 years old.

  • Make a direct deposit every month.

  • Maintain an average ending day balance of $5,000 or more.

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:[8]

  • 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:[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

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

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 12/12/2022
  6. ^ Chase. Chase College Checking Account Fees, Retrieved 9/15/2022
  7. ^ Chase. Chase High School Checking Account Fees, Retrieved 12/12/2022
  8. ^ Chase. Chase Sapphire Checking Account Fees, Retrieved 9/15/2022
  9. ^ Chase. Banking with Chase Private Client, Retrieved 9/15/2022
  10. ^ Chase. Chase Savings Account Fees, Retrieved 9/15/2022
  11. ^ Chase. Chase Premier Savings Account Fees, Retrieved 9/15/2022
Member FDIC

Chase Total Checking® - $200 Bonus

Expires 1/24/2024
  • New Chase checking customers enjoy a $200 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 Business Advantage Checking Account - $200 Bonus Offer

Expires 6/30/2024
Earn a cash bonus in three steps:
  1. Open a new eligible business checking account by June 30, 2024
  2. Make Qualifying Deposits* of $5,000 or more in new money within 30 days of opening the new eligible business checking account
  3. Maintain an average balance of $5,000 for the next 60 days (day 31-90) during the maintenance period**
*Qualifying Deposits are deposits of new money, which is money not currently or previously held in any account at Bank of America or Merrill
**The maintenance period begins thirty-one (31) days after account opening and ends ninety (90) calendar days after account opening.
Member FDIC

Citi Priority - Earn up to $2,000 Cash Bonus

Expires 1/9/2024
  • Earn up to $2,000 when you open a new eligible Citi checking account and enroll in the offer the same day
  • New to Relationship customers can choose their Relationship Tier.
  • Within 20 days of opening, deposit the minimum amount of new-to-Citibank funds.
  • Maintain a minimum balance for 60 consecutive calendar days from the 21st day.
  • If your balance falls to a lower Balance Level at any point during the maintenance period, the bonus changes.
  • Bonus will be paid within 30 days after you successfully complete all required activities.
  • Restrictions apply.
TD Bank
Member FDIC

TD Beyond Checking - $300 Cash Bonus

  • New customers who apply online for a TD Beyond Checking account can earn a $300 cash bonus after receiving direct deposits of $2,500 or more within 60 days. To qualify for this offer, you must be a U.S. resident and apply for the offer online. Offer is available in these states: CT, DC, DE, FL, MD, ME, MA, NC, NH, NJ, NY, PA, RI, SC, VT, VA
  • Three ways to go monthly maintenance fee-free: Monthly Maintenance fee waived when you set up direct deposits of $5,000 or more within a statement cycle, maintain a $2,500 minimum daily balance, or have a $25,000 combined balance across eligible TD accounts.
  • ATM perks: TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • A little extra time. A lot of extra relief: Avoid fees with Grace Period, which gives you until 11 PM ET the next business day to fix an overdraft. Make sure your available balance is at least $0 by depositing enough to cover the overdrawn balance plus any additional transactions and TD will refund the overdraft fee to your checking account.
  • Fast and secure payments: TD Bank debit cards are backed by the Zero Liability guarantee and 24/7 fraud monitoring
  • Convenient locations with the longest hours around: We have over 1,100 locations from Maine to Florida that's open early, late, and weekends.
  • Get reimbursed for fees including two overdraft fees per year, all Rush Bill Payments, and one outgoing wire per statement cycle (domestic or international).
  • Additional TD Bank checking account perks worth talking about: Get 24/7 access to all your TD accounts with Online & Mobile Banking, plus Bill Pay, Send
  • Money with Zelle®, Mobile Deposit and Online Statements.
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

Expires 12/14/2023

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online, in the Discover App or by phone. Enter Offer Code CY923 when applying. 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. Deposit must be posted to account within 30 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded, or affinity accounts provided by Discover. 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 the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/14/2023, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

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