Updated April 2026
Chase Bank ITIN Account 2026: Open Personal Checking with ITIN
Chase Bank accepts ITIN holders for personal checking and savings accounts at 4,700+ branches across 48 states. Chase Total Checking charges $12 per month, waivable with a $1,500 daily balance or $500+ in monthly direct deposits. ITIN holders receive a Visa debit card, access to 16,000+ fee-free ATMs, Chase Mobile app, Zelle transfers, and online bill pay. As the largest bank in the US by assets, Chase provides ITIN holders with the same account features as SSN holders. Account opening requires an in-person branch visit with your ITIN letter, passport, and proof of US address. For a full overview of banking options, see our ITIN bank account guide.
What Is Chase Bank and Why Do ITIN Holders Choose It?
Chase is the largest bank in the United States with $3.9 trillion in total assets and 4,700+ branches across 48 states. ITIN holders choose Chase for its nationwide branch network, fee-free ATM access, and full-featured mobile banking app.
Chase by the Numbers
- 4,700+ branches across 48 states
- 16,000+ fee-free ATMs nationwide
- $3.9 trillion in total assets (largest US bank)
- $12/mo Total Checking fee (waivable)
- $4.95/mo Secure Banking fee (no waiver)
- $0 for Zelle person-to-person transfers
- $250,000 FDIC insurance per depositor
- 82 million consumer accounts
Chase operates under JPMorgan Chase & Co., the largest financial institution in the US. For ITIN holders, Chase provides a mainstream banking relationship that builds US financial history. This banking history is valuable when applying for ITIN credit cards and ITIN mortgages in the future.
Does Chase Accept ITIN Holders for Checking Accounts?
Yes. Chase accepts ITIN holders for personal checking, savings, and certificate of deposit (CD) accounts. You must open your account in person at a Chase branch. Online account opening is not available for ITIN holders.
Chase Account Types for ITIN Holders
Chase offers 3 personal checking accounts to ITIN holders. Chase Total Checking is the most popular option with a $12/mo fee that is easily waived. Chase Secure Banking at $4.95/mo is designed for customers who want a simple account without overdraft fees. Chase Sapphire Checking is the premium tier with no monthly fee at $75,000+ in combined Chase balances.
In-Branch Requirement
Chase requires all ITIN holders to visit a branch in person to open an account. Bring your original ITIN letter (CP565 or CP565B), your valid passport, and a proof of US address dated within 60 days. The process takes 30 to 45 minutes. A Chase banker will verify your documents, open the account, and issue a temporary debit card on the spot. If you do not have an ITIN yet, start your ITIN application first.
What Documents Do You Need to Open Chase with an ITIN?
3 documents are required to open a Chase account with an ITIN. Have all originals ready before visiting a branch.
- ITIN letter (CP565 or CP565B): The original IRS letter confirming your ITIN assignment. This serves as your tax identification. If you have lost your letter, request a replacement from the IRS by calling 1-800-829-1040. Learn about obtaining your ITIN through our W-7 form guide.
- Valid passport: Your current, unexpired passport from your home country. Chase uses this as your primary photo identification. Both the photo page and signature page must be legible.
- Proof of US address: A utility bill (electric, gas, water), bank statement, lease agreement, or cell phone bill dated within the last 60 days. The document must show your full name and US street address. PO boxes are not accepted.
Accepted secondary ID:
Some Chase branches also accept a consular ID (matricula consular) as additional identification. A state-issued ID or driver's license from any US state is also accepted as secondary ID if available. Bring all available identification to maximize your approval chances.
How Do You Open a Chase Account with an ITIN?
The process takes 5 steps and approximately 30 to 45 minutes at a Chase branch.
- Locate your nearest Chase branch. Use the Chase branch locator at chase.com/locations. Chase has 4,700+ branches across 48 states. Branches are open Monday to Friday 9 AM to 5 PM, with Saturday hours at most locations (9 AM to 1 PM).
- Bring your 3 required documents. ITIN letter (CP565), valid passport, and proof of US address dated within 60 days. Bring originals, not copies.
- Meet with a Chase banker. Tell the banker you want to open a personal checking account using your ITIN. The banker will verify your documents and enter your ITIN as your tax identification number.
- Choose your account type. Select Chase Total Checking ($12/mo, waivable), Secure Banking ($4.95/mo), or Sapphire Checking (no fee at $75K+). Total Checking is the best option for most ITIN holders.
- Make your initial deposit and receive your debit card. Deposit cash or a check to fund your account. Chase issues a temporary debit card at the branch. Your permanent Visa debit card arrives by mail within 7 to 10 business days.
What Features Does Chase Offer ITIN Account Holders?
Chase provides ITIN holders with 7 key features identical to SSN account holders.
Chase Mobile App
The Chase Mobile app supports mobile check deposit, bill pay, account transfers, and spending summaries. Rated 4.8 stars on the App Store with 6+ million reviews. ITIN holders get full app access including Chase QuickPay with Zelle for free person-to-person transfers.
Fee-Free ATM Network
Access 16,000+ Chase ATMs across the US with $0 fees. Chase ATMs allow deposits, withdrawals, and transfers. Using non-Chase ATMs costs $3.00 per transaction plus any fee charged by the ATM owner.
Zelle Transfers
Send and receive money instantly to any US bank account holder using Zelle through the Chase app. Zelle transfers are free and arrive within minutes. Send up to $2,000 per day and $16,000 per month with Chase Total Checking.
Online Bill Pay
Pay rent, utilities, and other bills directly from your Chase account at $0 cost. Schedule one-time or recurring payments. Chase sends electronic payments to major billers and mails checks to payees without electronic payment capability.
Overdraft Protection
Chase Total Checking includes overdraft protection by linking a Chase savings account. Transfer fees are $0 when covering overdrafts from linked savings. Without a linked account, overdraft fees are $34 per transaction (up to 3 per day). Chase Secure Banking does not allow overdrafts.
International Wire Transfers
Send international wires for $50 online or $40 in-branch. Incoming international wires cost $15. Chase processes international transfers through SWIFT. Delivery takes 1 to 5 business days depending on the destination country. For lower-cost international transfers, consider pairing Chase with a Wise ITIN account.
What Does Chase Cost for ITIN Holders?
Chase charges identical fees to ITIN and SSN holders. Here is the complete fee schedule as of April 2026.
| Service | Fee |
|---|---|
| Total Checking monthly fee | $12 (waivable) |
| Secure Banking monthly fee | $4.95 |
| Sapphire Checking monthly fee | $0 (at $75K+ balance) |
| Chase ATM withdrawals | $0 |
| Non-Chase ATM withdrawals | $3.00 per transaction |
| Outgoing international wire (online) | $50 |
| Incoming international wire | $15 |
| Overdraft fee (Total Checking) | $34 per item |
| FDIC insurance | $250,000 per depositor |
How Does Chase Compare to Bank of America and Wells Fargo for ITIN Holders?
All three major banks accept ITINs for personal checking. The best choice depends on branch access, fees, and additional features.
| Feature | Chase | Bank of America | Wells Fargo |
|---|---|---|---|
| Monthly fee | $12 (waivable) | $12 (waivable) | $10 (waivable) |
| Branches | 4,700+ | 3,800+ | 3,900+ |
| ATMs | 16,000+ | 15,000+ | 12,000+ |
| Fee waiver | $1,500 balance or $500 DD | $1,500 balance or $250 DD | $1,500 balance or $500 DD |
| International wires (out) | $50 | $45 | $45 |
| Best for | Most branches, largest bank | Lower DD waiver, SafePass | Lower monthly fee |
For detailed comparisons, see our Bank of America ITIN guide and Wells Fargo ITIN guide. For a complete list of ITIN-friendly banks, visit our ITIN bank account guide.
Can You Build Credit with Chase Using an ITIN?
Yes. Chase offers credit cards to ITIN holders who have established 12+ months of banking history. A Chase checking account with consistent activity demonstrates financial reliability to Chase's credit underwriting team.
After 12 months with Chase, ITIN holders can apply for the Chase Freedom Rise card (no annual fee, 1.5% cash back) or the Chase Freedom Flex (no annual fee, 5% rotating categories). Chase reports to all 3 credit bureaus (Equifax, Experian, TransUnion), so responsible use builds your US credit score from the start.
For ITIN holders who want to build credit immediately, consider opening a Chase account alongside a secured credit card from another issuer. See our ITIN credit card guide for secured card options that accept ITINs on day one.
Who Should Use Chase Bank with an ITIN?
Chase is the best fit for 4 types of ITIN holders.
ITIN Holders Who Need Branch Access
With 4,700+ branches, Chase has the largest branch network of any US bank. Ideal for ITIN holders who prefer in-person banking for deposits, withdrawals, and account services. Available in 48 states (not in Alaska or Hawaii).
ITIN Holders Building US Financial History
A Chase checking account establishes your relationship with the largest US bank. After 12 months, this relationship opens doors to Chase credit cards, auto loans, and mortgage products. Chase's size and reputation give your banking history maximum credibility.
Immigrants and New US Residents
Immigrants with ITINs benefit from Chase's bilingual services (available in Spanish at most branches), mobile banking in multiple languages, and the ability to add family members to joint accounts.
ITIN Holders Who Need Zelle
Chase includes Zelle for free instant transfers to any US bank account holder. Essential for ITIN holders who need to send money to family members, pay rent to landlords, or receive payments from US-based clients.
Frequently Asked Questions About Chase Bank and ITIN
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