Quick answer

Chase’s documented Secure Banking online flow requires a Social Security number and a driver’s license or state-issued ID. Chase also publishes a branch path for a customer without an SSN: the person must visit a branch and bring a current passport, proof of a U.S. address and secondary identification. That channel distinction is the core practical answer.

Identify the exact scenario first

Decide whether you can use the online path or need branch identification. Gather documents for the exact channel before starting. If your goal is a different Chase checking product, re-check that product’s live opening terms because the no-minimum and offer details below are product-specific.

Published rules

The current Chase Secure Banking offer page says the account is subject to approval and can be opened online or at a branch. The page lists no minimum deposit to open Secure Banking. It separately lists the SSN and ID requirements for online applicants and the passport/address/secondary-ID path for customers without an SSN. Chase’s identification guidance also emphasizes original, valid documents and may require additional ID depending on customer/account circumstances.

Decision path

Have SSN + state ID and meet the digital path: online opening may be appropriate. No SSN: use the branch path rather than forcing the online form. Identity mismatch or failed application: do not assume it is a checking-report denial until Chase identifies that reason; use the generic identity/denial workflow if the bank gives an adverse-action notice.

What to do next

Before a branch appointment, verify the current acceptable-ID list and make sure names/addresses are consistent. Separate account-opening requirements from temporary promotional bonus conditions; a bonus is not required to have a valid checking account.

Important limits

Opening deposits and identification requirements depend on the product and channel. A published document checklist does not guarantee approval or establish an SSN exception for every applicant.

Sources and freshness

Last verified: October 7, 2026.

Chase Secure Banking opening · Chase account-opening education

Rules and service limits can change. Use the linked agreement for your account and the notice shown for this transaction; if they differ, ask the institution to explain which provision applies.

Application checklist

For the online Secure Banking path, verify the current SSN and state-ID requirements. For the documented no-SSN branch path, prepare a current passport, proof of U.S. address and secondary identification according to Chase’s live list. Confirm the exact product because opening-deposit/fee rules are product-specific.

FAQ and nearby scenarios

Does no SSN mean I can finish online? Not under the documented Secure Banking online flow; the no-SSN route is branch-based. Does presenting documents guarantee approval? No. Is “no minimum opening deposit” a universal Chase statement? No, keep it tied to the cited product. If identity verification fails, should I keep applying? No—resolve the mismatch or use the bank’s alternate channel.

Why the channel distinction matters

Many bank-opening pages collapse online and branch requirements into one list. OUSBI preserves the channel because a user can be blocked online while still having a published branch identification route.

Related guides

JPMorgan Chase: /institutions/jpmorgan-chase/

Opening a bank account: SSN, ITIN, identification, address and funding requirements: /problems/account-opening-requirements/