How to Open a Chase Bank Account | The Motley Fool (2024)

Chase bank is one of the most popular places to bank, and it offers checking accounts, savings accounts, and certificates of deposit (CDs).

Here's a full guide on how to open a Chase bank account.

How to Open a Chase Bank Account | The Motley Fool (1)

Open Account for Chase Total Checking®

Member FDIC.

Ratings Methodology

Rates asof Jul 08, 2024

Chase Total Checking®

Open Account for Chase Total Checking®

How to Open a Chase Bank Account | The Motley Fool (2)

Member FDIC.

Rating image, 3.50 out of 5 stars.How to Open a Chase Bank Account | The Motley Fool (3)How to Open a Chase Bank Account | The Motley Fool (4)How to Open a Chase Bank Account | The Motley Fool (5)How to Open a Chase Bank Account | The Motley Fool (6)How to Open a Chase Bank Account | The Motley Fool (7)How to Open a Chase Bank Account | The Motley Fool (8)How to Open a Chase Bank Account | The Motley Fool (9)How to Open a Chase Bank Account | The Motley Fool (10)How to Open a Chase Bank Account | The Motley Fool (11)How to Open a Chase Bank Account | The Motley Fool (12)

3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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How to Open a Chase Bank Account | The Motley Fool (27) = Poor

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3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
How to Open a Chase Bank Account | The Motley Fool (38)How to Open a Chase Bank Account | The Motley Fool (39)How to Open a Chase Bank Account | The Motley Fool (40)How to Open a Chase Bank Account | The Motley Fool (41)How to Open a Chase Bank Account | The Motley Fool (42) = Best
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How to Open a Chase Bank Account | The Motley Fool (52) = Poor

  • Largest bank in the U.S. in terms of assets
  • More than 15,000 ATMs and 4,700 physical locations
  • Wide range of financial products
  • User-friendly online and mobile banking tools
  • No minimum deposit to open
  • Chase Overdraft Assist
  • Low APYs on savings accounts and CDs
  • $12 monthly maintenance fee waived only with qualifying activity

Chase Total Checking® combines tons of features with superior customer service. It's a safe place to put your money. You can walk into any of thousands of branches and withdraw cash from more than 15,000 ATMs in Chase's network. You can access everything online, too. It's one of the best checking accounts for in-person and over-the-phone customer service.

  • 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*

*With Chase Overdraft Assist℠, we won't charge an 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 you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

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What you'll need to open a Chase bank account

You'll need the following information and documents to open a bank account with Chase:

  • Full name
  • Date of birth
  • Email address and phone number
  • Home address
  • Your Social Security number
  • A driver's license or state ID

Chase may also require proof of your address. If so, your options include a utility bill, bank statement, credit card statement, or mortgage document.

How much does it cost to open a Chase bank account?

Monthly service fees for Chase bank accounts range from $0 to $25. Chase waives the monthly service fees for clients who meet certain conditions. The conditions depend on the account you choose, but you generally need to maintain a minimum balance or receive qualifying direct deposits.

Make sure you can meet the requirements to get the service fees waived before opening a Chase bank account. If you can't, you're better off opening a bank account without any monthly fees.

How to open a Chase bank account

When you're ready to open a Chase bank account, here's how to do it online.

1. Choose the Chase bank account you want

Chase has multiple checking accounts and savings accounts to choose from, as well as several CD options. Look for an account that has the features you need and where you'll be able to avoid the monthly service fees.

2. Start the application process

Once you've picked a type of account, you can start the application process. You'll be asked if you're already a Chase customer and, if so, you'll be prompted to log into your account. Chase will then auto-fill some of the required information for you, including your address and contact information.

3. Fill out the application

You'll need to provide your personal information, contact information, Social Security number, and a driver's license or state ID number.

4. Fund your account

After you've completed the application, you'll be able to deposit money to your account. With most Chase bank accounts, you don't need to do this right away, as there's no minimum opening deposit. The exception is with Chase CDs, which have a $1,000 minimum.

5. Start using your new bank account

You can log into your Chase account to view your bank account details, including the account number and routing number. Use this information to set up direct deposit, bill pays, and any other banking services you want to use.

How to Open a Chase Bank Account | The Motley Fool (53)

Open Account for Chase Total Checking®

Member FDIC.

Ratings Methodology

Rates asof Jul 08, 2024

Chase Total Checking®

Open Account for Chase Total Checking®

How to Open a Chase Bank Account | The Motley Fool (54)

Member FDIC.

Rating image, 3.50 out of 5 stars.How to Open a Chase Bank Account | The Motley Fool (55)How to Open a Chase Bank Account | The Motley Fool (56)How to Open a Chase Bank Account | The Motley Fool (57)How to Open a Chase Bank Account | The Motley Fool (58)How to Open a Chase Bank Account | The Motley Fool (59)How to Open a Chase Bank Account | The Motley Fool (60)How to Open a Chase Bank Account | The Motley Fool (61)How to Open a Chase Bank Account | The Motley Fool (62)How to Open a Chase Bank Account | The Motley Fool (63)How to Open a Chase Bank Account | The Motley Fool (64)

3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
How to Open a Chase Bank Account | The Motley Fool (65)How to Open a Chase Bank Account | The Motley Fool (66)How to Open a Chase Bank Account | The Motley Fool (67)How to Open a Chase Bank Account | The Motley Fool (68)How to Open a Chase Bank Account | The Motley Fool (69) = Best
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How to Open a Chase Bank Account | The Motley Fool (77)How to Open a Chase Bank Account | The Motley Fool (78) = Fair
How to Open a Chase Bank Account | The Motley Fool (79) = Poor

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3.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
How to Open a Chase Bank Account | The Motley Fool (90)How to Open a Chase Bank Account | The Motley Fool (91)How to Open a Chase Bank Account | The Motley Fool (92)How to Open a Chase Bank Account | The Motley Fool (93)How to Open a Chase Bank Account | The Motley Fool (94) = Best
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How to Open a Chase Bank Account | The Motley Fool (99)How to Open a Chase Bank Account | The Motley Fool (100)How to Open a Chase Bank Account | The Motley Fool (101) = Good
How to Open a Chase Bank Account | The Motley Fool (102)How to Open a Chase Bank Account | The Motley Fool (103) = Fair
How to Open a Chase Bank Account | The Motley Fool (104) = Poor

Open Account for Chase Total Checking®

APY

0%

Min. To Earn APY

N/A

  • Largest bank in the U.S. in terms of assets
  • More than 15,000 ATMs and 4,700 physical locations
  • Wide range of financial products
  • User-friendly online and mobile banking tools
  • No minimum deposit to open
  • Chase Overdraft Assist
  • Low APYs on savings accounts and CDs
  • $12 monthly maintenance fee waived only with qualifying activity

Chase Total Checking® combines tons of features with superior customer service. It's a safe place to put your money. You can walk into any of thousands of branches and withdraw cash from more than 15,000 ATMs in Chase's network. You can access everything online, too. It's one of the best checking accounts for in-person and over-the-phone customer service.

  • 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*

*With Chase Overdraft Assist℠, we won't charge an 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 you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts.

Read Full Review

FAQs

  • You need your Social Security number and your driver's license or state ID to open an account with Chase bank online. Chase will also ask you for your name, date of birth, email address, phone number, and home address during the application process.

  • Yes, you can open a Chase bank account online. On the Chase website, choose the type of account you want, and you'll be able to go through the application process.

  • Most Chase bank accounts don't have a minimum balance requirement. If you want to open a Chase CD, there's a $1,000 minimum.

  • Yes, you can open a joint account at Chase. All of Chase's consumer checking and savings accounts can be set up as joint accounts. You can either open one as a joint account or add a co-owner to the account later after opening it.

    Note that Chase only allows customers to set up a joint account in person. Whether you want to open a joint account or add a co-owner to an existing account, you and the other person will need to visit a Chase branch.

How to Open a Chase Bank Account | The Motley Fool (2024)

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