Chase is one of the biggest banks in the Unites States, they offer everything from personal banking to mortgages to loans, as well as a popular range of credit cards. Not to mention, they offer more checking options compared to other competitors.
Opening account with Chase is very straightforward since the requirements are generally low and it’s relatively easy to waive the service fees on the basic accounts.
Continue reading our guide to help you find the right Chase Checking account for you, which important documents needed to open one, and how to play in person or online!
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How to Open a Chase Checking Account
Before you open a checking account with Chase, you’ll have to prepare information and understand the process. Please note that the bank can change its application process at any time, at its discretion.
1. Gather Needed Information
You’ll need the following information and items in order to open your account:
- Social Security Number
- Driver’s license or state-issued ID
- Contact information — name, address, email address, phone number
- Money for an opening deposit
2. Fill Out Online Application with Personal Details
If you choose to apply online, you can do so by going to the Chase homepage. Enter your ZIP code then choose whether you’re starting a new application or completing an application you previously saved. If you have one, enter your coupon code if you have one, then indicate if you’re a new or existing customer.
Once you do all of that, you will start answering questions regarding your citizenship. Then you’ll need to provide your contact information, Social Security number, date of birth and other details. You’ll also share details about your employment, income, assets and liabilities.
After providing those details, you’ll fund your new Chase checking account with the minimum required deposit; this amount will vary depending on the checking account you choose to open. You have the option to make your opening deposit by electronic transfer from another bank. Then, you’ll be able to confirm your application to be approved by the bank.
3. Visit a Branch to Apply
If you prefer a face-to-face to process, you can find the nearest Chase Bank branch and open a checking account in person. You will provide the same information and documents as when you’re applying online. You can also bring cash for your deposit.
4. Contact Chase Customer Service for Guidance
If you’re not sure which Chase checking account is the right one for you or if you’re needing some assistance with your application, you can call a Chase representative to help you. You can get your online banking questions answered by calling 877-242-7372, or visit a Chase branch near you for in-person assistance.
Chase Checking Account Options
Chase offers four different checking account options, so if you want to know which Chase checking account is right for you, you can read the following information below to see details on each and note the key differences.
Chase Total Checking
With Chase Total Checking®, you get access to Chase ATMs and nearly branches nationwide, free debit card, free online banking & bill pay, and mobile banking with their award winning Chase Mobile App.
Chase waives the monthly service fee if you meet requirements for direct deposit, the minimum daily balance and/or the beginning day balance. If you decide to open, you’ll need to deposit $25 to open this account.
Chase Premier Plus Checking
A minimum deposit of $25 is required to open the Chase Premier Plus Checking account. This is an interest-bearing account offers perks that includes: free Chase design checks, no fee on the first four non-Chase ATM transactions each statement period, and more!
It also comes with free Chase Debit Card, free Online Banking and Online Bill Pay, free Mobile Banking, free Account Alerts, and free access to Chase ATMs and branches near you!
Chase Premium Platinum Checking
The interest-bearing account offers a priority service to customers who get access to all Chase Total Checking benefits. Not only that account holders also get free checks and unlimited free non-Chase ATM transactions, as well as other perks like debit card replacement and copies of monthly statements at no extra charge.
Chase Student Checking
• Enjoy $100 as a new Chase checking customer when you open a Chase College CheckingSM account and complete 10 qualifying transactions within 60 days of coupon enrollment.
• 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.
• Students ages 18-24 with a Social Security Number can open an account online or at a Chase branch. Students with no Social Security number and 17-year-olds can only open an account at a branch.
• Manage your money, see your accounts, and pay your bills using the Chase Mobile® app.
• Send and receive money in moments using Zelle®.
• Access to more than 16,000 Chase ATMs and more than 4,700 branches.
• JPMorgan Chase Bank, N.A. Member FDIC
• Chase Overdraft AssistSM – 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 AssistSM, 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.
Chase offers two different versions of student checking accounts, but a minimum of $25 is required to open for either one.
First account is the Chase High School Checking account is for students age 13 to 17 years old. This account requires a parent or guardian must be a joint owner for a checking account. The monthly fee is $6, or $0 if certain requirements are met. When a student turns 19, this account becomes a Chase Total Checking account.
If you’re a student between the age 12 to 24, you can open the other version is the Chase College Checking Account. Students pay no monthly service fee while they’re in college. After that, the account charges a $6 a month service fee, which is waived if certain requirements are met.
The Chase College Checking account comes with free Chase Debit Card, free Online Banking and Online Bill Pay, free Mobile Banking, free Account Alerts, and free access to Chase ATMs and branches plus many more.
No matter what checking account you choose, know that it’s an essential banking tool that you’ll likely use every day. Find the latest Chase Bank promotions here or to help get you started, we have a list of the best bank promotions and you can also read bank reviews to find which bank offers the services you need!
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