How to set up 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.

• How to Open a Chase Account
  
• Types of Accounts
  
  • Checking Accounts
    
  • Savings Accounts
• Chase New Account Bonus

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(FDIC# 628).[1] 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

Chase offers checking accounts, each with access to mobile or in-person check deposit as a debit card.

Member FDIC

Chase Total Checking® - $200 Bonus

Expires 1/25/2023

• New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
• Access to more than 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 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*

*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds 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 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.

Member FDIC

Chase Business Complete Banking℠ - $300 Bonus

Expires 2/16/2023

• 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 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 QuickDeposit℠
• Convenient access to more than 16,000 ATMs and more than 4,700 branches.

Member FDIC

Chase Secure Banking℠ - $100 Bonus

Expires 1/25/2023

• New Chase checking customers enjoy $100 when you open a Chase Secure Banking℠ account with qualifying transactions.
• No minimum deposit to open an account and get started.
• No paper checks to track and no Chase fees on money orders or cashier's checks.
• Pay bills, cash checks and send money with Zelle® all for a $4.95 monthly service fee.
• No overdraft fees with a Chase debit card that helps you stay within your balance.
• Bank from anywhere with access to more than 16,000 Chase ATMs, more than 4,700 Chase branches, the Chase Mobile® app and Chase Online℠.
• Get more for your money. Chase Secure Banking℠ customers told us they save an average of $50 a month on fees after opening their account.
• Open an account online or in person at any Chase branch.

Member FDIC

Chase College Checking℠ - $100 Bonus

Expires 1/25/2023

• 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.
• Access to more than 16,000 Chase ATMs and more than 4,700 branches
• No Monthly Service Fee for up to 5 years if you're a student between the ages of 17-24 at account opening with proof of student status.
• Manage your money, see your accounts, and pay your bills using the Chase Mobile® app
• Send and receive money in moments using Zelle®
• Students ages 18-24 can open an account online or at a Chase branch. 17-year-olds must open at a Chase branch.
• Start planning for your future by using the budget tool in the Chase Mobile® app to set, track, and adjust your spending to help you save more.
• 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*

*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds 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.

Member FDIC

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.

Checking Monthly Fees

Chase Total Checking®: Charges $12 per month

Waive that fee by meeting ONE of these conditions:[2]

• 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.

Member FDIC

Chase Total Checking® - $200 Bonus

Expires 1/25/2023

• New Chase checking customers enjoy a $200 bonus when you open a Chase Total Checking® account and set up direct deposit
• Access to more than 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 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*

*With Chase Overdraft Assist℠, we won't charge an Insufficient Funds 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 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.

Chase Premier Plus Checking: Charges $25 per month

Waive that fee by meeting ONE of these conditions:[3]

• 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:[4]

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

Chase Secure BankingSM: Charges $4.95 per month

This monthly service fee cannot be waived.[5]

Chase College Checking: Charges $6 per month

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

• College students age 17-24 from time of account opening until expected graduation date. You can qualify for up to 5 years.

• Make a direct deposit every month.
• Maintain an average ending day balance of $5,000 or more.

Chase Private Client CheckingSM: Charges $35 per month

Waive that fee when you have any ONE of the following:[7]

• 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 Savings: Charges $5 per month

Waive that fee by meeting ONE of these conditions:[8]

• 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, Chase Sapphire checking account, or Chase Private Client Checking.
• Have a linked Chase College Checking for Overdraft Protection.

Chase Premier Savings: Charges $25 per month

Waive that fee by meeting ONE of these conditions:[9]

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

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

Compare Savings Accounts

Member FDIC

Citi® Accelerate High-Yield Savings - 2.20% APY

• Earn 2.20% Annual Percentage Yield (APY)
• Available in AA, AE, AK, AL, AP, AR, AS, AZ, CO, DE, GA, GU, HI, IA, ID, IN, KS, KY, LA, MA, ME, MI, MN, MO, MP, MS, MT, NC, ND, NE, NH, NM, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VI, VT, WA, WI, WV, WY and select markets in Florida and Illinois.
• Member FDIC

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, in the Discover App or by phone. Enter Offer Code CY922 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 12/15/2022, 11:59 PM ET. Offer may be modified or withdrawn without notice. See advertiser website for full details.

Expires 12/15/2022

Member FDIC

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

1. ^ FDIC. BankFind: JPMorgan Chase Bank, National Association, Retrieved 9/15/2022
2. ^ Chase. Chase Total Checking Account Fees, Retrieved 9/15/2022
3. ^ Chase. Chase Premier Plus Checking Account Fees, Retrieved 9/15/2022
4. ^ Chase. Chase Sapphire Checking Account Fees, Retrieved 9/15/2022
5. ^ Chase. Chase Secure Checking Account Fees, Retrieved 9/15/2022
6. ^ Chase. Chase College Checking Account Fees, Retrieved 9/15/2022
7. ^ Chase. Banking with Chase Private Client, Retrieved 9/15/2022
8. ^ Chase. Chase Savings Account Fees, Retrieved 9/15/2022
9. ^ Chase. Chase Premier Savings Account Fees, Retrieved 9/15/2022

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.

What do you need to set up an account at Chase Bank?

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

How do I start banking with Chase?

How long does it take to set up a bank account at Chase?