Can I Open a Chase Bank Account with an ITIN?

Written by

itin.so Editorial Team

IRS-Authorized Certifying Acceptance Agents · Updated August 2026

Policy verified August 2026. Chase account-opening rules change and are applied at branch level — confirm with the bank directly before you travel to a branch.

Chase accepts ITIN holders for personal checking and savings accounts. Visit any branch with your ITIN assignment letter, a valid passport, and proof of a US address. Chase offers Total Checking ($12/mo, waivable with direct deposit) and Chase Savings ($5/mo, waivable with a $300 balance). Chase does not currently offer a secured credit card, so ITIN-only customers looking to build US credit should look at Bank of America or Capital One for that piece.

Quick answer

Yes for deposit accounts, no for credit. Chase has the largest branch network in the US — about 4,700 locations — and will open checking and savings with an ITIN in person. It has no secured card product at all, so it cannot be your route to a first US credit line. Many ITIN holders bank at Chase and build credit with a secured card from another issuer.

Chase Account Options for ITIN Holders

What Chase will and will not open for an ITIN-only customer, with 2026 published fees.

Account	Monthly Fee	How to Waive	ITIN?
Chase Total Checking	$12	Direct deposits of $500+/mo, $1,500 daily balance, or $5,000 across linked accounts	Yes
Chase Savings	$5	$300 minimum daily balance, or link to Total Checking	Yes
Chase Sapphire and other credit cards	—	Requires SSN and an established US credit file	No
Secured credit card	—	Chase does not offer a secured card product	No

The $12 Total Checking fee is easy to waive with a qualifying direct deposit, which most employed ITIN holders will have. If your income arrives irregularly or from self-employment, the $1,500 daily balance requirement is the alternative — or consider a no-minimum account elsewhere.

What to Bring to a Chase Branch

ITIN assignment letter (CP565). The IRS notice confirming your number. Request a replacement from the IRS if you no longer have it.
Valid unexpired passport. The primary photo ID most branches expect from ITIN holders.
A second form of ID.A driver's license, consular ID, or other government-issued document.
Proof of US address. Utility bill, lease, or official mail in your name, dated within the last 60 to 90 days.
Opening deposit. Chase has no minimum to open Total Checking, but bring funds so the account is active immediately.

An expired ITIN will not clear verification. If yours has lapsed under the IRS rolling schedule, work through the renewal process first.

The Chase Credit Card Gap — and What to Do About It

Chase is unusual among large US banks in offering no secured credit card. That matters for ITIN holders specifically, because a secured card is the standard entry point to a US credit file when you have no score to underwrite against. Chase's well-known cards — Sapphire, Freedom, Ink — all require an SSN and an established credit history, so they are not a realistic first application.

The practical structure is to split the two jobs. Bank where the branches are convenient, and build credit wherever a secured card is available. The Bank of America secured card takes a $200 minimum deposit and reports to all three bureaus; Capital One offers a comparable product. Our ITIN credit card guide covers the full set of issuers that accept an ITIN.

Chase vs Other ITIN-Friendly Banks

Chase— largest branch network (~4,700), strongest mobile app, no secured card
Bank of America — ~3,700 branches, secured card available, no-minimum SafeBalance account
Wells Fargo — broad coverage, established ITIN lending history
TD Bank — East Coast only, long branch hours
Full ITIN bank comparison — including online-first options for applicants abroad

Chase and ITIN at a Glance

Chase accepts ITIN for personal checking and savings accounts
Bring to the branch: ITIN assignment letter, passport, proof of US address
Account opening is in person — the online application requires an SSN
Chase Total Checking: $12/mo, waived with $500+ monthly direct deposit
Chase Savings: $5/mo, waived with a $300 daily balance
Chase does not offer credit cards to ITIN-only holders and has no secured card product
Zelle is available on ITIN-opened Chase checking accounts

Chase Bank and ITIN: Frequently Asked Questions

Does Chase accept an ITIN?

Yes, for personal checking and savings accounts. Chase can open a deposit account using an ITIN in place of a Social Security Number, handled in person at a branch. Bring your ITIN assignment letter (IRS notice CP565), a valid passport or other accepted photo ID, and proof of a US address. Approval is subject to Chase's identity verification policies and individual branches vary in how they apply the document requirements, so call the branch before you visit.

Can I open a Chase account online with an ITIN?

No. Chase's online account opening flow requires a Social Security Number and has no ITIN path, so ITIN-only applicants must open in person at a branch. You can compare products and even begin an application online, but you will be directed to a branch to complete it. Chase operates roughly 4,700 branches, the largest network in the United States, so branch access is rarely the constraint.

Does Chase offer credit cards to ITIN holders?

Currently no. Chase does not offer a secured credit card at all, and its unsecured cards are underwritten against a US credit file and a Social Security Number, so ITIN-only applicants are generally declined. For a first US credit card as an ITIN holder, the Bank of America secured card or the Capital One secured card are the more realistic routes. You can still hold a Chase deposit account while building credit elsewhere.

Can I use Zelle with an ITIN Chase account?

Yes. Zelle is available to Chase personal checking account holders and is tied to the account rather than to how you were identified when you opened it. Once your ITIN-opened checking account is active, you can enrol a US mobile number or email address and send and receive money through Zelle in the Chase app on the same terms as any other customer.

What documents does Chase need to open an account with an ITIN?

Typically your ITIN assignment letter (CP565), a primary government photo ID — an unexpired passport is the most widely accepted for ITIN holders — a secondary form of identification, and proof of a US residential address such as a utility bill or lease dated within the last 60 to 90 days. Bring originals rather than photocopies, plus the opening deposit. Requirements are applied branch by branch, so confirming the list by phone first saves a wasted trip.

Chase or Bank of America for an ITIN account?

Chase has the larger branch network, roughly 4,700 locations against Bank of America's 3,700, and a stronger mobile app. Bank of America has the decisive advantage for anyone building US credit: it offers a secured credit card that reports to all three bureaus, and Chase does not. If branch convenience is your priority, choose Chase. If a first US credit card is the goal, open at Bank of America, or open at Chase and get the secured card elsewhere.

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