Can I open a Chase account online with an ITIN?

Usually no. The standard Chase online application asks for an SSN. ITIN holders typically must visit a branch in person to open an account. Some Chase relationship bankers can submit applications using your ITIN once you are physically present with your documents.

What documents do I need at Chase with an ITIN?

ITIN assignment letter (CP565 notice), valid unexpired passport, proof of US address (utility bill, lease, or bank statement under 90 days old), and ideally a secondary ID such as a Matricula Consular or national ID. Some branches also ask for an initial $25 deposit.

Can I get a Chase credit card with an ITIN?

Chase does not advertise ITIN credit card acceptance. Most Chase credit card applications require an SSN. ITIN holders typically build credit through a Bank of America, Capital One, or Deserve card first, then revisit Chase after 12 to 18 months of credit history.

Does Chase report to credit bureaus for ITIN customers?

Chase deposit accounts (checking and savings) do not build credit history regardless of tax ID type. Credit reporting only applies to Chase credit cards and loans, which generally require an SSN. Use an ITIN credit card to build US credit history.

Updated June 25, 2026

Chase Bank with ITIN: Can You Open an Account? (2026)

Q: Which Chase account is best for ITIN holders?

Chase Total Checking is the standard option: $12 monthly fee, waivable with a $500 monthly direct deposit, a $1,500 minimum daily balance, or a $5,000 average combined balance. Chase Secure Banking is an alternative with a flat $4.95 monthly fee and no overdraft fees.

Does Chase Bank Accept ITIN Holders in 2026?

Yes. Chase Bank accepts ITIN holders for personal checking and savings accounts at most of its 4,700+ US branches. Chase is one of the largest banks consistently serving ITIN customers, although branch-level policies vary. Call your nearest branch before visiting to confirm they will open an account with an ITIN and confirm the exact document list. This 5-minute call prevents wasted trips.

Online-only applications are usually not available to ITIN holders. Chase's standard online flow requires an SSN. Branch applications process ITINs through a different internal system.

What Documents Do You Need to Open a Chase Account with an ITIN?

ITIN assignment letter (CP565): Official IRS document confirming your 9-digit ITIN.
Valid passport: Current and unexpired. This is the primary photo ID Chase accepts for ITIN holders.
Proof of US address: Utility bill, lease, or bank statement dated within the last 90 days.
Secondary ID (recommended):Matricula Consular, national ID, or driver's license.
Opening deposit: $25 minimum for Chase Total Checking.

Which Chase Account Is Best for ITIN Holders?

Chase Account	Monthly Fee	Fee Waiver	Best For
Chase Total Checking	$12	$500 direct deposit OR $1,500 balance	Everyday banking
Chase Secure Banking	$4.95	None	No overdraft fees
Chase Premier Plus Checking	$25	$15K combined balance	Higher-balance customers
Chase Savings	$5	$300 balance OR auto-transfer	Savings goals

How Do You Open a Chase Account with Your ITIN?

Call your nearest Chase branch. Confirm they open ITIN accounts and ask about appointment availability.
Gather documents. CP565 letter, valid passport, US address proof, secondary ID, and $25 opening deposit.
Visit in person. Ask for a personal banker. Say you want to open a checking account using your ITIN.
Complete the application. The banker enters your ITIN as your tax ID. You sign signature cards and complete the KYC questions.
Fund and activate. Deposit funds, set up online banking and Chase Mobile, and request your Visa debit card. Card ships within 5 to 10 business days.

What Should You Know Before Choosing Chase Bank with an ITIN?

Chase is best for ITIN holders who want branch access, a large ATM network (16,000+ Chase ATMs nationwide), and the Chase Mobile app. It is not the best choice if you are applying from outside the US or want $0 monthly fees. For online business banking with an ITIN, see the Mercury Bank guide or compare every option in the ITIN banking hub.

Chase credit cards typically require an SSN. To build US credit with your ITIN, start with an ITIN credit card from Bank of America, Capital One, or Deserve and revisit Chase after 12 to 18 months of credit history.

Frequently Asked Questions About Chase Bank with ITIN

Yes, in person at most US branches. Chase accepts ITINs for personal checking and savings accounts at most of its 4,700+ US branches. Branch-level policies vary, so call ahead to confirm. Online-only Chase applications generally still require an SSN.

Need an ITIN to open your Chase account? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.