How to Open a Bank Account with JPMorgan Chase in 2025

How to Open a Bank Account with JPMorgan Chase in 2025

JPMorgan Chase is the largest bank in the U.S. as of 2025, managing over $3.9 trillion in total assets and serving more than 80 million customers. Its wide network of branches, advanced digital tools, and trusted reputation make it a preferred choice for personal and business banking.

Why Open a Chase Account?

  • More than 4,700 branches and 15,000 ATMs nationwide.
  • Top-rated Chase Mobile app with over 50 million users.
  • Multiple account options tailored to different needs.
  • Secure banking with real-time fraud monitoring.

Requirements to Open an Account

For U.S. Residents

  • Government-issued photo ID
  • Social Security Number (SSN)
  • Proof of U.S. address (utility bill, lease, etc.)
  • Initial deposit ($25–$100 depending on account type)

For Non-U.S. Residents

  • Valid passport
  • U.S. visa or legal residency documentation
  • Proof of address in the U.S.
  • ITIN (if no SSN is available)

Step-by-Step: How to Open a Chase Account Online

  1. Go to www.chase.com and choose your preferred account.
  2. Click "Open now" and fill in your personal and contact information.
  3. Upload or provide ID and required documents.
  4. Make your initial deposit using a debit card or transfer.
  5. Set up online banking and download the Chase Mobile app.

Account Options & Monthly Fees

Account Type Monthly Fee Main Features
Total Checking $12 (can be waived) Zelle, mobile banking, large ATM network
Secure Banking $4.95 No overdraft fees, budgeting tools
College Checking $0 (for up to 5 years) Ideal for students with no monthly fees
Private Client Varies Dedicated advisor, premium services

2025 Key Chase Statistics

  • App rating: 4.8/5 (Apple Store), 4.6/5 (Google Play)
  • Over 1.2 million new accounts opened in Q1 2025
  • 70% of Chase clients now prefer digital banking channels

Tips Before You Apply

  • Check for promotions—Chase offers cash bonuses for new customers (up to $300).
  • Have all your documents ready for a faster application.
  • Students and first-time users should consider Secure or College accounts.

International Customers

Currently, JPMorgan Chase does not allow international applicants to open accounts online. You must be physically present in the U.S. and provide all required documents. For wealth management or international banking services, consult Chase Private Client.