You can open a Chase savings account online in about 10 minutes using a computer or phone
Chase lets you start a savings account entirely through their website or mobile app without visiting a branch. You'll need a valid government ID, a Social Security number, and an initial deposit (which varies by account type). The whole process happens in one session, and your account opens when ready — though it takes a day or two for your debit card to arrive and for transfers to work.
The fastest route is Chase.com on a computer, where the form is clearest. You can also use the Chase Mobile app, but the phone version sometimes requires you to finish steps on a computer anyway. Either way, have your ID and bank details ready before you start.
Key Takeaways
- You need a valid government ID (driver's license, passport, or state ID), your Social Security number, and proof of your current address to open an account online.
- Chase offers several savings account types with different minimum deposits and interest rates, so decide which one fits your situation before you begin.
- The online form takes about 10 minutes, and your account opens the same day, but your debit card arrives by mail in 7 to 10 business days.
- You can fund your new account when ready by linking a bank account you already have, or you can deposit cash at a Chase branch later.
What you need before you start
Gather these documents and information before opening your browser. You'll need a valid government-issued ID — a driver's license, passport, or state ID card. Chase will ask you to verify your identity using this document, and they may ask you to take a photo of it or answer questions based on what's on it.
You'll also need your Social Security number and proof of your current address. Proof of address can be a recent utility bill, lease agreement, or government mail sent to your home. If you don't have any of these, a bank statement with your address will work. Chase uses this information to check your identity and comply with federal banking rules.
Finally, have your current bank account information ready if you plan to fund your new savings account by transfer. You'll need the routing number and account number from that bank. If you don't have another bank account yet, you can deposit cash at a Chase branch after your account opens.
The different Chase savings accounts and their minimums
Chase offers three main savings account types, and each has a different minimum deposit to open. The Chase Savings Account requires no minimum deposit — you can open it with $0 and add money later. The Chase Premier Savings requires $10,000 to open. The Chase Sapphire Savings (available only to Chase credit card holders) also requires $10,000.
The accounts differ in interest rates and monthly fees. The basic Chase Savings Account has no monthly fee but earns a lower interest rate. Premier and Sapphire accounts earn higher interest but charge a monthly fee if your balance drops below the minimum. If you're new to banking or don't have $10,000 right now, the basic Chase Savings Account is the right choice — you can move money into a higher-earning account later.
Check Chase.com for current interest rates before you open, since these change frequently. The rate you see when you start the process is the rate you'll earn.
Step-by-step: opening your account online
Go to Chase.com and look for the "Open an Account" button, usually near the top of the page. Click it and select "Savings Account." You'll be asked whether you're a new customer or an existing Chase customer. If you already have a Chase checking account, select "existing customer" — the process is faster.
Fill in your personal information: full name, date of birth, Social Security number, and current address. Chase will ask whether you want to open the account online only or whether you want to visit a branch to complete it in person. Choose "online only" to finish when ready. You'll then verify your identity — Chase may ask you to photograph your ID or answer security questions based on your credit history.
Next, choose your account type (basic Savings, Premier, or Sapphire) and decide how you'll fund it. If you have another bank account, select "transfer from another bank" and enter that account's routing and account number. If you don't, select "I'll deposit funds later" and you can add money at a Chase branch or by transfer after your account opens. Review the account terms, sign electronically, and submit.
Your account opens when ready, and you'll see your account number and routing number on the confirmation screen. Write these down or take a screenshot — you'll need them to set up transfers or direct deposit. Your debit card arrives in 7 to 10 business days.
Funding your account right away or later
If you linked another bank account during signup, the transfer usually arrives within one to two business days. Chase will hold your account open even if you don't fund it when ready, so there's no rush. You can also deposit cash at any Chase branch using your new account number, or you can wait for your debit card to arrive and use an ATM.
If you need to move money from a non-Chase bank account after your account opens, you can do this through Chase.com or the mobile app by going to "Transfer Money" and selecting "From another bank." You'll enter the other bank's routing number and your account number there, and the transfer takes one to two business days.
What happens after you submit
Your account opens the same day you complete the online form. You'll receive a confirmation email with your account number, routing number, and a temporary online password. Save this email or write down these numbers — you'll need them to log in and to set up transfers.
Your debit card arrives by mail in 7 to 10 business days. Until it arrives, you can still access your account online and move money, but you can't withdraw cash at an ATM. Once the card arrives, set up it through the Chase app or website before using it.
If you don't receive your card after 10 business days, log into your Chase account and select "Cards" to check the status. You can also call the number on the back of any existing Chase card, or visit a branch with your ID.
Frequently Asked Questions
Can I open a Chase savings account if I don't have a Social Security number?
No. Chase requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open any account. If you have an ITIN, you can use that instead. If you don't have either, you'll need to obtain one before opening an account.
What if I'm under 18?
You can open a Chase savings account if you're under 18, but you'll need a parent or guardian to co-own the account. The adult will need to be present online during signup and will have full access to the account. Visit a Chase branch to set this up, as the online process doesn't support minor accounts.
Do I have to keep a minimum balance in my savings account?
The basic Chase Savings Account has no minimum balance requirement. Premier and Sapphire accounts charge a monthly fee if your balance falls below $10,000. You can avoid the fee by keeping the minimum or by closing the account and moving to the basic savings account.
Can I open multiple savings accounts with Chase?
Yes. You can open as many savings accounts as you want, though Chase may limit how many you can open in a single day for security reasons. Each account has its own number and earns interest separately.
What if the online form won't accept my ID?
If the identity verification step fails, you can finish opening your account at a Chase branch instead. Bring your ID, Social Security card, and proof of address to any branch, and a banker will complete the process in person. This usually takes 15 to 20 minutes.