A Comprehensive Guide to Setting Up Your Chase Checking Account
Chase is the commercial banking division of JPMorgan Chase & Co. They offer a range of personal banking services, including credit cards, mortgages, and other financial services to millions of customers.
If you’re thinking about opening a Chase checking account, you can do it quickly either online or at a local branch. Here’s a simple guide to help you through the process:
### How To Open a Chase Checking Account
#### Gather the Required Items and Information
To open your account, you’ll need:
– Social Security number
– Driver’s license or state-issued ID
– Contact information (name, address, email, and phone number)
If you’re opening a joint account, both account holders need to provide this information.
#### Choose a Checking Account
Chase offers several checking account options. Visit the Chase website to review them and click the “Open Now” button for the account you want.
#### Fill Out an Online Application
If you’re already a Chase customer, you can sign in and use a prefilled application. If not, complete and submit the online application.
#### Fund the Account
While Chase doesn’t require a deposit to open an account, you’ll need to fund it before use. You can do this by transferring money from another bank, setting up direct deposit, mobile-depositing checks, receiving payments via Zelle, or depositing checks or cash at a Chase branch.
### Can You Apply in Person?
Yes, you can visit a Chase branch to open a checking account in person. You’ll need to provide the same information and documents. For joint accounts, both account holders must be present to meet with a Chase banker.
### Chase Checking Account Options
#### Chase Total Checking®
This account offers access to 15,000 ATMs and over 4,700 branches, debit-card chip technology, and 24/7 customer service. It includes online bill pay and mobile banking. There’s a $12 monthly service fee, which can be waived if you meet certain requirements for direct deposit or minimum balances.
#### Chase Secure Banking℠
This account provides essential checking services, access to over 15,000 ATMs, and online banking. It includes fee waivers for counter checks and money orders. The fixed monthly fee is $4.95, waived if you make at least $250 in electronic deposits each statement period.
#### Chase Premier Plus Checking℠
This interest-bearing account offers priority service and all the benefits of Chase Total Checking. It includes free checks and waives fees for non-Chase ATM transactions up to four times per statement period. Additional perks include a Chase First Banking account for children and no fees for paper checks. You can waive the $25 monthly fee by meeting certain requirements.
#### Chase Student Checking
Chase offers three accounts for students:
– **Chase First Banking℠**: Best for ages 6 to 12, but available to children ages 6 to 17. Requires a parent or guardian with a qualifying Chase checking account. No monthly fee, includes a debit card, and access to Chase branches and ATMs.
– **Chase High School Checking℠**: Available to students ages 13 to 17.
– **Chase College Checking℠**: Available to students ages 17 to 24.