Updated April 12, 2020

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:

  • Driver's license/state ID
  • 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. 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

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

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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® - $225 Bonus

  • New Chase customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

Chase Business Complete Banking℠ - $300 Bonus

Expires 10/21/2021
  • Earn $300 when you open a new Chase Business Complete Checking account. For new Chase business checking customers with qualifying activities.
  • More ways to waive fees. Multiple options to waive the Monthly Service Fee, including maintaining a minimum daily balance or purchases on your Chase Ink® Business credit card
  • Built-in card acceptance. Accept card payments anytime, anywhere in the U.S., and get transparent pricing with Chase QuickAccept℠.
  • Same-day deposits with QuickAccept℠. Free up the cash you need to keep your business moving forward with same-day deposits at no additional cost.
  • Alerts to help you stay on top of your account activity.
  • Easy account management through Chase Business online and the Chase Mobile® app.
  • Unlimited electronic deposits, ACH and Chase Quick Deposit℠.
  • Convenient access to 16,000 ATMs and more than 4,700 branches.

Chase Secure Banking℠ - $100 Bonus

  • New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying activities.
  • No minimum deposit to open, no fees for Chase Online℠ Bill Pay, money orders, cashier's checks or to send money
  • No paper checks to track
  • Just a simple $4.95 monthly service fee
  • Use the Chase debit card to help you spend only the money you have available, without worrying about overdraft fees.
  • Bank with the Chase Mobile® app and Chase Online℠
  • Get helpful account alerts so you can monitor your balance and more.
  • No need to worry about unauthorized card transactions when reported promptly with Zero Liability Protection.

Chase First Banking℠

  • Open a new Chase First Banking℠ account. It's a debit card for kids ages 6-17 with $0 monthly service fee.
  • You must be an existing Chase checking customer to open a Chase First Banking account.
  • Chase First Banking helps parents teach teens and kids about money by giving parents the control they want and kids the freedom they need to learn.
  • Teach your kids to spend, save and earn - all from the Chase Mobile® app.

Chase College Checking - $100 Bonus

Open a new Chase College Checking account online or in a branch. Use promo code when opening account in a branch. Complete at least 10 qualifying transactions within 60 days of account opening. Qualifying transactions are debit card purchases, online bill payments, checks paid, Chase QuickDeposit℠, Chase QuickPay with Zelle®, or direct deposits. Chase College Checking account is open to college students who are 17-24 years old. Offer is valid to new Chase customers only.

The information for the Chase College Checking has been collected independently by CreditDonkey. The details on this page have not been reviewed or provided by the bank.

Expires 10/18/2021

Checking Monthly Fees

Chase Total Checking®: Charges $12 per month

Waive that fee by meeting ONE of these conditions:

  • 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
Member FDIC

Chase Total Checking® - $225 Bonus

  • New Chase customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.

Chase Premier Plus Checking: Charges $25 per month

Waive that fee by meeting ONE of these conditions:

  • 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.

Chase Sapphire Checking: Charges $25 per month

How to waive that fee:

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

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 Savings: Charges $5 per month

Waive that fee by meeting ONE of these conditions:

  • 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 or Chase Sapphire checking account.

Chase Premier Savings: Charges $25 per month

Waive that fee by meeting ONE of these conditions:

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

  • Have a linked Chase Premier Plus or Chase Sapphire checking account.

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.

Chase
Member FDIC

Chase Total Checking® - $225 Bonus

  • New Chase customers enjoy a $225 bonus when you open a new Chase Total Checking® account and set up direct deposit
  • Access to 16,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
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
  • Earn $300 when you receive direct deposits totaling $2,500 or more within 60 days
  • Get more from your checking account. With TD Beyond Checking with Payback Plus, you'll earn interest and get reimbursed for non-TD ATM transactions, Rush Bill Payments and more.
  • Monthly maintenance fee waived when you receive monthly direct deposits of $5,000 or more, or maintain a minimum daily balance of $2,500, or a combined balance of $25,000 across eligible TD accounts.
  • TD fees waived at any ATM and non-TD fees reimbursed when you keep at least a $2,500 daily balance
  • Overdraft Payback - Get overdraft fees automatically reversed up to two times a year.
  • Get your money where it needs to go —fast— with Rush Bill Payments, Send Money with Zelle®, incoming wires and a reimbursement for one outgoing wire (domestic or international) per statement cycle.
  • TD checking accounts come with an instant-issue debit card. And, you can pay with confidence with Zero Liability protection and 24/7 fraud monitoring.
  • Monthly maintenance fee waived on one TD Simple Checking℠ account and any Savings and Money Market accounts. Plus, get free standard check orders, money orders, official bank checks and stop payments.
Discover Bank
Member FDIC

Discover Online Savings - $200 Cash Bonus

To get your $150 or $200 Bonus: What to do: Apply for your first Discover Online Savings Account, online or by phone. Enter Offer Code CY21 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 30 days of the account qualifying for the bonus. Bonus is interest and subject to reporting on Form 1099-INT. Offer ends 12/15/21, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 12/15/2021
CIT Bank
Member FDIC

CIT Bank Money Market Account - 0.45% APY

  • 0.45% APY
  • $100 minimum opening deposit
  • No monthly maintenance fee
HSBC Bank
Member FDIC

HSBC Premier Checking - $450 Welcome Deposit

Expires 1/5/2022
  • Get a $450 Welcome Deposit for eligible new customers who open a new HSBC Premier checking account and complete the following qualifying activities.
  • Open your new HSBC Premier checking account online by January 5, 2022; and
  • Make recurring monthly Qualifying Direct Deposits totaling at least $5,000 from a third party to your HSBC Premier checking account(s) for 3 consecutive calendar months from the second full calendar month after account opening.
  • You will automatically receive the $450 Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. It's that simple.
  • Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

Read Next:

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Chase Ultimate Rewards: What You Need to Know

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Frequently Asked Questions

Chase frequently offers cash bonuses for new banking customers. You can open a new Chase account either in person at a branch or online.

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