GOBankingRates

How to Open a Chase Checking Account

Ken Wolter / Shutterstock.com

Having a checking account is critical to financial stability for a number of reasons: A checking account makes it easy to pay bills, keep accurate financial records, provide proof of payment, and is a more secure payment method than cash.

Chase Bank, one of the best national banks of 2017, is a good option to consider if you want to open a checking account. Here’s how to open a checking account at Chase.

Steps to Open a Chase Checking Account

Prepare to open your Chase checking account by understanding the process. Following are the steps to take to open a Chase checking account online. Note that the bank can change its application process at any time, at its discretion.

Learn: Banking 101 Guide — Tips and Terms to Know Before Opening Your First Account

1. Gather Required Items and Information

You’ll need the following information and items in order to open your account:

2. Fill Out an Online Application With Personal Details

You can open a bank account online by going to the Chase website. Enter your ZIP code and indicate whether you’re starting a new application or completing an application you previously saved. Enter your coupon code if you have one, then indicate whether you’re a new or existing Chase customer.

You’ll then answer questions regarding your citizenship. Provide your contact information, Social Security number, date of birth and other details. You’ll also share details about your employment, income, assets and liabilities.

Next, you’ll fund your new Chase checking account with the minimum required deposit; this amount will vary depending on the checking account you choose to open. You have the option to make your opening deposit by electronic transfer from another bank. Then, you’ll be able to confirm your application to be approved by the bank.

3. Visit a Branch to Apply

Alternately, you can find the nearest Chase Bank branch and open a checking account in person. You’ll need to provide the same information and documents outlined in the previous steps. You can also bring cash for your opening deposit.

Related: 10 Best National Banks of 2017

4. Contact Chase Customer Service for Guidance

If you’re not sure which Chase checking account is right for you or if you need help with your application, you can get some guidance from a Chase representative. Get your online banking questions answered by calling 877-242-7372, or visit a Chase branch near you for in-person assistance.

Chase Checking Account Options

Chase offers four different checking account options for civilians. To determine which Chase checking account is right for you, review the details on each and note the key differences.

1. Chase Total Checking

The Chase Total Checking account offers convenient access to deposit-friendly ATMs, debit card chip technology protection and 24/7 customer service. Chase waives the monthly service fee if you meet requirements for direct deposit, the minimum daily balance and/or the beginning day balance. You must deposit $25 to open this account.

See Also: How to Find Your Chase Routing Number

2. Chase Premier Plus Checking

The Chase Premier Plus Checking account is an interest-bearing account that offers all Chase Total Checking benefits. You’ll also get free Chase checks, four free non-Chase ATM transactions, and a free or discounted safe deposit box, depending on size. A minimum deposit of $25 is required to open this account.

3. Chase Premier Platinum Checking

This interest-bearing account offers priority service to customers, who get access to all Chase Total Checking benefits. Account holders also get free checks and unlimited free non-Chase ATM transactions.

Account holders get other perks like debit card replacement and copies of monthly statements at no extra charge.

4. Chase Student Checking

Chase Student Checking offers two different versions to meet student needs. A $25 minimum deposit is required to open either type.

The Chase High School Checking account is for students age 13 to 17. A parent or guardian with an existing qualifying Chase checking account must be a co-owner. The monthly fee is $6, or $0 if certain requirements are met. When a student turns 19, this account becomes a Chase Total Checking account.

With proof of student status, students age 17 to 24 can open a Chase College Checking account. Students pay no monthly service fee while they’re in college. After that, the account charges a $6 a month service fee, which is waived if certain requirements are met.

Keep Reading: 15 Checking Account Bonuses and Promotions Available Today

Once you choose which bank and type of checking account is best for you, follow the steps to open your account and start using your checking account for daily transactions. No matter what checking account you choose, know that it’s an essential banking tool that you’ll likely use every day.