Yes, but Chase will ask for an Individual Taxpayer Identification Number instead

Chase does not require a Social Security Number to open a checking or savings account. If you do not have an SSN, you can open an account using an Individual Taxpayer Identification Number (ITIN), which the IRS issues to people who are not may be able to access for an SSN but need to file taxes or conduct financial business in the United States.

The process is similar to opening an account with an SSN, but you will need to bring your ITIN documentation to a Chase branch in person. Chase cannot complete this account opening online or by phone if you are using an ITIN instead of an SSN.

You will also need a valid government-issued photo ID — a passport, state driver's license, or consular ID card all work. Chase verifies your identity and runs a background check through ChexSystems, the same system they use for all new account holders.

Key Takeaways

  • Chase accepts an ITIN as an alternative to an SSN for opening a checking or savings account.
  • You must visit a Chase branch in person with your ITIN letter and a government-issued photo ID to open the account.
  • Online and phone account opening are not available if you do not have an SSN; in-person is your only option.
  • Chase will run a ChexSystems background check regardless of whether you use an SSN or ITIN.

What documents you need to bring to the branch

Bring your ITIN letter (the IRS document that shows your ITIN number), your government-issued photo ID, and proof of your current address. For address proof, Chase accepts a utility bill, lease agreement, bank statement, or government mail dated within the last 60 days.

If your ITIN letter is old or you have lost it, you can request a replacement from the IRS before you go to Chase. The IRS will mail you a new letter at no cost; you do not need to file a tax return to get one. This usually takes two to three weeks.

Bring your original documents, not copies. Chase staff will examine them in person to confirm they are genuine.

Why Chase asks for an ITIN instead of an SSN

An ITIN serves the same purpose as an SSN for financial and tax reporting — it is how the IRS and banks track income and account activity. Chase is required by federal law to verify your identity and tax status before opening an account, a rule that applies to all banks, not just Chase.

If you do not have an ITIN yet, you will need to obtain one from the IRS before Chase can open your account. You can explore for an ITIN by mail using IRS Form W-7, which takes four to six weeks to process. Some tax preparation services and community organizations also help people file for an ITIN.

Account types available without an SSN

Chase offers the same checking and savings accounts to customers with an ITIN as they do to customers with an SSN. You can open a Chase Total Checking account, Chase Savings, or other standard products. The monthly fees, interest rates, and features are identical.

Some specialty accounts — like Chase Sapphire credit cards or investment accounts — may have different requirements. If you are interested in a product beyond basic checking or savings, ask the branch staff whether your ITIN will work for that specific account.

What happens after you open the account

Once your account is open, you can use it like any other Chase customer. You will receive a debit card, checks, and online banking access. You can set up direct deposit, transfer money, and pay bills through Chase's website or mobile app.

Chase will use your ITIN for all tax reporting and account statements. If you later obtain an SSN, you can contact Chase to update your account information.

If you are denied or run into problems

Chase may deny your account if ChexSystems finds negative banking history, such as unpaid overdrafts or fraud. This is not related to your ITIN status — it is the same reason they deny accounts to SSN holders. You can request your ChexSystems report to see what information they have on file.

If you believe Chase made an error or treated you unfairly because of your ITIN status, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state's banking regulator. Chase is required to respond to complaints within 15 business days.

Frequently Asked Questions

Do I need to be a U.S. citizen to open a Chase account with an ITIN?

No. An ITIN is issued to non-citizens and non-residents who need a tax ID. You do not need to be a citizen or permanent resident to open a Chase account with an ITIN, though you do need to be physically present in the United States to visit a branch.

Can I open a Chase account online if I have an ITIN?

No. Chase's online account opening system requires an SSN. You must visit a branch in person with your ITIN letter and photo ID. Some other banks offer online account opening with an ITIN, but Chase does not.

What if I do not have a government-issued photo ID?

Chase requires a photo ID as part of their identity verification process. If you do not have one, you can obtain a state ID card or passport before opening the account. A consular ID from your country's embassy also works.

How long does it take to open a Chase account with an ITIN?

The account usually opens the same day you visit the branch. You will receive your debit card and account number when ready, though your physical card may take five to seven business days to arrive by mail.

Will Chase report my account activity to the IRS?

Yes. Banks report account activity to the IRS for all customers, whether they have an SSN or ITIN. This is standard practice and applies equally to all account holders.