Chase Bank Account Guide: Applications, Documents, and Banking Services (2026)

If you are comparing U.S. bank accounts, Chase Bank may be on your shortlist.

Chase offers a broad branch network, mobile banking, and personal and business financial products. Residents, international students, and businesses may want to compare its accounts and eligibility requirements.

This guide covers:

• What Is Chase Bank?
• What documents are required to open an account?
• Can non-U.S. citizens apply?
• What account types are there?
• What should I compare before applying for a credit card?

Use this overview to identify the products and requirements to check directly with Chase.

What Is Chase Bank?

Chase is the consumer and commercial banking brand of JPMorgan Chase & Co. Banking services are provided by JPMorgan Chase Bank, N.A.

Chase serves personal and business customers through branches, ATMs, and digital banking channels.

Main businesses include:

• Checking accounts
• Savings accounts
• Credit cards
• Home loans
• Investment and wealth management services
• Corporate banking services
• International transfers

Chase Account Types

1. Checking Accounts

Checking accounts are primarily used for day-to-day money management, such as:

• Receiving wages by direct deposit
• Everyday spending
• Transfers and bill payments
• Debit card purchases
• Online purchases

A checking account is designed for everyday payments and money management.

2. Savings Accounts

Savings accounts are mainly used for:

• Holding deposits
• Savings accounts
• Earning interest under the account’s terms

If you want to manage your daily spending funds and long-term savings separately, you can hold both a checking account and a savings account.

3. Business Accounts

Business accounts are available for:

• Business receipts and payments
• Business operations
• Payroll
• Managing business expenses

Compare business accounts using your transaction volume, payment needs, and fees.

Documents and Information for a Chase Account

Requirements depend on the applicant and account. Chase’s branch checklist calls for primary and secondary identification. Confirm the current requirements before visiting.

Proof of Identity

For example:

• Passport
• U.S. driver’s license
• State ID

Address Information

Prepare your residential address and any required supporting document. Chase’s checklist for non-U.S. permanent residents requires a U.S. address on a primary or secondary ID.

Tax Information

Depending on your eligibility and account, tax identification may include:

• Social Security Number (SSN)
• Other tax identification accepted by the bank

Confirm the acceptable tax identification directly with Chase. International students should also bring proof of student status if required for the application.

Contact Information

Prepare:

• A valid phone number
• Email address

These details are used for verification and account notifications.

Can Non-U.S. Citizens Open a Chase Account?

Eligible non-U.S. citizens may apply, but citizenship and residency are different criteria. Requirements depend on your residency status, documents, and account. Ask Chase whether your circumstances qualify.

Before applying:

• Review Chase’s current requirements.
• Contact the branch you plan to visit.
• Confirm the complete document checklist.

How to Apply for a Chase Account

The application process generally includes these steps:

Step 1: Choose an Account

Compare the account type that fits your needs:

• Checking
• Savings accounts
• Business Account

Step 2: Prepare Your Documents

Prepare in advance:

• Proof of Identity
• Contact Information
• Address Information
• Additional documents requested by Chase

Step 3: Submit Your Application

Depending on eligibility, you may be able to:

• Apply online (for eligible applicants)
• Apply at a Chase branch

Step 4: Complete Verification

The bank will conduct identity verification and compliance reviews.

Chase will confirm whether the application is approved and explain any remaining setup steps.

Chase Debit Card

Eligible checking accounts typically include a debit card.

Debit cards can be used for:

• ATM withdrawals
• In-store purchases
• Online purchases
• Apple Pay (depending on region and device)
• Google Wallet (depending on region and device)

Check the card delivery details and mailing address with Chase.

Chase Credit Card Features

Chase offers a variety of credit card products, covering:

• Everyday spending
• Travel rewards
• Cashback rewards
• Business spending

Compare eligibility, reward rates, annual fees, interest rates, and other terms before applying. A deposit account does not guarantee credit card approval.

Chase Online and Mobile Banking

Chase provides online and mobile tools for managing eligible accounts.

Common features include:

• Checking balances
• Making transfers
• Paying bills
• Viewing transaction history
• Locking an eligible debit card
• Setting account alerts

Accounts can be managed through the official website or official app.

International Transfers with Chase

Chase offers international wire transfers for eligible accounts.

Depending on the account and transfer, compare:

• Supported currencies
• Remittance fees
• Expected delivery time

Availability and terms vary.

Before sending a transfer, confirm:

• Total transfer fees
• Exchange rate and any conversion margin
• Destination country
• Beneficiary bank requirements

Features to Compare at Chase

Features to consider include:

Branch and ATM Access

There are branches and ATMs in many states in the United States.

Range of Services

As one of the largest commercial banks in the United States, it provides a comprehensive range of financial products.

Mobile Banking Tools

Check whether the app supports the account tools, transfers, and alerts you need.

Product Options

Options include:

• Savings accounts
• Checking accounts
• Credit cards
• Mortgages
• Business banking

Product availability and eligibility vary.

Fees and Terms to Check

Before opening an account, review:

• Monthly service fees and waiver conditions
• Minimum deposit or balance requirements
• ATM usage rules
• International remittance fees
• Credit card annual fees, if applicable

Use the current fee schedule and account agreement for the product you are considering.

Frequently Asked Questions (FAQ)

Q1: Is Chase the Largest U.S. Bank?

JPMorgan Chase Bank, N.A. ranks first by consolidated assets in the Federal Reserve’s June 30, 2026 commercial bank data.

Q2: Can Non-U.S. Citizens Apply?

Eligible non-U.S. citizens may apply. Confirm residency, identity, address, and tax documentation requirements with Chase before visiting.

Q3: Can I Apply Online?

Online applications are available for some eligible applicants and accounts. Others may need to apply or complete verification at a branch.

Q4: Can I Withdraw Cash with a Chase Debit Card?

Debit cards can generally be used for ATM withdrawals, subject to account features and bank regulations.

Before You Apply

Chase offers personal and business accounts, branch access, and digital banking tools. Compare these services against your needs and eligibility.

Confirm the account type, current fees, application requirements, and required documents directly with Chase before applying. For international payments or credit cards, compare the specific product terms as well.