AmericasUnited StatesLicensed-entity research

JPMorgan Chase Bank, National Association

JPMorgan Chase Bank, National Association (also known as JPMorgan Chase Bank, N.A.); a U.S. nationally chartered bank, not the holding company JPMorgan Chase & Co.

OCC records confirm JPMorgan Chase Bank, National Association as an active US national bank, and FDIC records confirm its status as an insured depository institution. Chase’s public identity document requirements for individuals involve a US address, and public business account applications are reviewed according to business type and documentation; public information does not confirm whether people living abroad or foreign-incorporated businesses can open accounts.

Regulator: Office of the Comptroller of the Currency (OCC); FDIC records list it as the bank’s deposit insurance recordkeeping agency, and the CFPB as a secondary federal regulator
Check date: 2026-10-26
Verify status: Some information pending confirmation

Research scope and official resources

Topic number:americas-jpmorgan-chase-bank-na

This ID comes from the large-institution public-screening candidates in selection.json, 2025/2026; inclusion is only a research lead and does not represent a current top 100 ranking, an individual ranking of this bank entity, account eligibility, or a regulatory acceptance fact.

Bank’s official website

Personal Eligibility and Documents

U.S. residents: Chase’s personal checking account page lists several checking products and states that accounts are subject to approval. Its account-opening guide covers U.S. citizens and non-U.S. citizens residing in the United States, and outlines applications online or at a branch. Chase’s identification document guidance lists acceptable documents for non-U.S. citizens without a green card, but requires at least one primary or secondary identification document to show a U.S. address. Nonresidents: Chase’s educational page on opening accounts as a nonresident only explains that U.S. banks may generally require proof of identity, a U.S. address, and an opening deposit, and recommends confirming directly with the bank. It is not a commitment by JPMorgan Chase Bank to open accounts for applicants residing abroad. Public information does not confirm that individuals who have long resided outside the United States, have no U.S. address, and lack an applicable U.S. tax identification number can open personal deposit accounts, nor does it state the final nonresident eligibility conditions for each personal product; confirm with the bank.

Personal information publicly disclosed or identified

Chase identification document list: Non-U.S. citizens without U.S. permanent resident status (a Green Card) may submit listed primary identification documents, such as a passport, Consular ID (Matrícula Consular Card), or U.S. Employment Authorization Card; at least one primary or secondary identification document for this type of application must show a U.S. address. This requirement cannot be interpreted as accepting a foreign address as a substitute.
Examples of secondary identification documents listed by Chase for this type of application include: an additional primary identification document, a bank statement dated within 60 days, a U.S. driver’s license, DS-2019, an employer photo ID, an employer pay stub/check/letter showing the employer’s name and address, a foreign national ID card, other U.S. federal or state government-issued ID, a state photo ID, a student ID, I-20, and a utility bill dated within 60 days showing the applicant’s name and address. This is a list of acceptable document categories; it does not mean that every applicant need provide, or is required to provide, only one particular item from the list.
Chase’s account-opening guide lists valid identification, proof of name and residential address, and an account application as documents generally required for an individual application. Examples of address documents include utility bills, bank or credit card statements, employer pay stubs, and mortgage or lease documents. Specific requirements depend on the applicant’s status and product.
Chase’s nonresident account-opening educational page lists forms of identification such as a passport, driver’s license, Consular ID, student ID, or Employment Authorization Card, and pay stubs, letters, or recent utility bills that show both the name and U.S. address. The page expressly states that requirements vary by bank and should be confirmed with Chase, so it is for preparation purposes only and is not a complete statement of the bank’s policy for nonresidents.
Chase’s public information does not provide a complete document checklist for non-U.S. residents without a U.S. address applying for a personal deposit account. If separate proof of foreign address, a foreign tax number, or translated/certified documents are needed, confirm this with the bank first; do not present general compliance documents as firm requirements published by Chase.

Company eligibility and documents

Chase’s public business checking account page confirms that only sole proprietorships, corporations, and LLCs managed by a sole member or manager can apply online; other business structures must apply at a branch. The account-opening information page lists documents by business entity type and requires disclosure of information for owners holding 10% or more. The information states that non-U.S. citizens may use an ITIN and that the business tax ID may be an SSN, ITIN, or EIN, depending on the entity type. The published online process and document examples mainly concern U.S. state registrations and local branches; no explicit policy was found confirming acceptance of companies registered outside the U.S., companies without a U.S. business address, or businesses controlled entirely by nonresidents. Nor was it confirmed whether these businesses can open accounts at U.S. branches. Written confirmation from the bank is required based on the company’s place of registration, state of account opening, controllers, and business activities.

Company information publicly disclosed or identified

Chase’s business application information page: Legal name, address, date of birth, tax identification number (SSN, TIN, or EIN, as applicable), nationality, and ownership percentage for business owners holding 10% or more; the business application may also request the business’s operating locations, locations where goods or services are sold, supplier locations, nature of business, annual sales, number of employees, and expected transaction types and amounts/frequency.
Sole proprietorship: The business existence or registration documents listed by Chase may include state-issued articles of organisation and a certificate of formation, as well as a DBA/assumed-name certificate where applicable. For tax identification, provide an SSN, an ITIN available to non-U.S. citizens, or an EIN, as required on its page. Documents depend on the state and the form of sole proprietorship.
LLC: Articles of Organization, Certificate of Organization, or Certificate of Formation filed with or certified by the state authority; if the entity has been registered for more than a year, a certificate of good standing or status report may be required. Also required is one of the following identifying current members or managers: amended articles of organization, operating agreement, meeting minutes, or annual report. For interstate operations, the bank requires proof that the business is authorised to operate in the account-opening state.
Company: Articles of Incorporation or Certificate of Formation filed and certified by a state authority; companies formed more than a year ago may need a certificate of good standing or status report; additional documents may also be required, such as company resolutions, meeting minutes, annual reports, or information filings identifying current officers. For interstate operations, provide documents proving authorization to do business in the account-opening state.
Partnerships: Depending on the type of partnership, submit a written/certified partnership agreement, joint venture agreement, or a valid state/county status record accepted on the bank's website. Limited partnerships and similar entities may need to provide information on current general partners and limited partners with 10% or more. Requirements for assumed-name/DBA documents vary by state.
For an in-branch application, Chase lists two forms of personal identification (at least one government-issued), the relevant tax identification number and legal documents establishing the business. Rules on the attendance of authorized signatories/persons in charge and additional company documents vary by entity type. This list only restates its published U.S. business application requirements and does not establish that foreign-registered entities are eligible to open an account.

Address, tax, and remote / witnessed procedures

Address and tax

Address: Chase’s identification policy requires non-U.S. citizens without a green card to provide at least one primary or secondary identification document showing a U.S. address; examples of proof of address may include a recent bank statement, pay stub, or utility bill. Chase’s non-resident educational materials also emphasize a U.S. address, but expressly describe themselves as general educational materials and cannot, on their own, be taken as a commitment by Chase to accept an application. Acceptance of an overseas address in place of a U.S. address has not been publicly confirmed. Tax identification: The pages reviewed do not clearly establish a uniform Chase policy requiring non-residents to provide an SSN/ITIN for personal account applications. Chase’s general educational information says some banks may require an SSN and that whether an ITIN can be used instead depends on the bank. Public business account information specifies an SSN, ITIN, or EIN depending on the structure. J.P. Morgan tax materials state that its clients may need to submit Form W-9 or, as applicable, Form W-8, and that the forms are used for FATCA-related account documentation and U.S. withholding tax/information reporting. That page does not establish the specific tax process for all Chase personal deposit accounts. Confirm tax identification numbers and forms based on actual U.S. and other tax-resident status, account type, and the bank’s requirements.

Remote / witnessing

Chase’s public personal and business information says only that some applications can be submitted online and applications can also be made at a branch; it also limits the business entity types eligible to apply online. No commitment was found from the bank to offer global video account opening, remote witnessing, witnessing by a third-party notary, or processing through an overseas agent; availability should not be assumed. Applicants and businesses outside the U.S. should confirm in writing with the bank whether in-person attendance, review of original documents, and identity verification are required and how they are conducted.

Public process reference

Personal: First select a Chase personal checking product and check its current terms. The public page states that the product is subject to approval and does not confirm which products, if any, are available to applicants who reside abroad.
Individuals: Prepare primary government-issued identification, secondary identification and proof of a U.S. address, as applicable to your status. Non-U.S. citizens without a Green Card must especially meet the published requirement that at least one of their documents show a U.S. address. Apply through an online process confirmed by the bank or at a U.S. branch; application channels for people residing outside the U.S. remain to be confirmed.
Businesses: Confirm the legal organizational form and place of incorporation. Only certain private businesses meeting the conditions listed on the page can apply online; other structures must apply at a branch. Acceptance of foreign-incorporated companies and state requirements for opening an account have not been publicly confirmed. Obtain the bank's written response first.
Businesses: Prepare formation/registration documents, tax identification, details of the person in charge and owners holding 10% or more, the nature of the business, and expected transaction information according to the entity type; provide additional documents as required by the bank's review.
Applications are subject to bank approval. Public information does not specify processing times for overseas applications, guarantee approval, or state limits after account opening; these cannot be estimated or promised.

Compliance topics, details, and sources

U.S. BSA/AML Customer Identification, Due Diligence, and Ongoing Monitoring

The U.S. FinCEN Customer Due Diligence Rule requires covered financial institutions to establish procedures to identify and verify customer identity, understand the beneficial owners of legal-entity customers, understand the purpose of the relationship and develop a risk profile, and conduct ongoing monitoring and update information on a risk basis. This is the U.S. regulatory baseline; it does not mean that the bank’s full internal AML procedures or case-specific approval standards have been made public.

Source:FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Beneficial owners, controllers, source of funds and business purpose

FinCEN rules generally require identifying and verifying natural persons who own 25% or more of a legal-entity customer, as well as a control person. Chase's public business application requests information about owners with 10% or more ownership; the publicly disclosed form is more specific in scope and should not be abbreviated as the regulatory threshold. Chase may also ask about the nature of the business, product sales locations, suppliers, annual sales, and expected transaction types and amounts. Public materials do not list a standardized source-of-funds document checklist for individual customers; applicants should provide truthful explanations and supporting evidence as specifically requested by the bank, without inferring additional document policies from this point.

Source:Chase for Business — Get Ready to Open Your Business Checking Account ；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

U.S. Tax Status, FATCA, and the Scope of CRS

J.P. Morgan's tax guidance states that W-8/W-9 information may be requested when an account is opened to determine FATCA status and address U.S. withholding tax and information reporting; the IRS describes FATCA as a U.S. legal framework. Form W-9 is used to provide the correct TIN to a payer required to report to the IRS. The J.P. Morgan disclosure above is not treated as evidence that a specific form is uniformly required for all Chase consumer deposit accounts. This file does not claim that the United States has joined CRS, nor does it treat CRS self-certification documents as evidence of U.S. participation in CRS. Customers should confirm applicable reporting obligations based on the account-opening entity and their tax status.

Source:J.P. Morgan — Tax Self-Certification Forms ；IRS — About Form W-9, Request for Taxpayer Identification Number and Certification ；IRS — Foreign Account Tax Compliance Act

U.S. OFAC Sanctions and Transaction Restrictions

The U.S. Department of the Treasury’s OFAC administers and enforces U.S. economic and trade sanctions. Its official guidance states that U.S. persons and entities within the United States, among others, must comply with applicable sanctions; some measures involve blocking the property of specified persons or prohibiting transactions. The account-opening pages reviewed do not detail the bank’s specific list-screening or rejection/freezing procedures. Applicable restrictions vary by sanctions program and legal authority.

Source:U.S. Treasury OFAC — Basic Information on OFAC and Sanctions

FDIC Deposit Coverage

FDIC BankFind lists this entity as an FDIC-insured depository institution. The FDIC explains that eligible deposit accounts such as checking, savings, money market deposit accounts and certificates of deposit are covered by its deposit insurance rules, while nondeposit products such as securities, mutual funds, annuities, crypto assets and insurance products are not insured on that basis. The applicable coverage limits and ownership-category rules must be calculated separately for all accounts held by the depositor; insurance eligibility must not be equated with account approval.

Source:FDIC BankFind Suite — JPMorgan Chase Bank, National Association, Certificate 628 ；FDIC — What Does Deposit Insurance Cover?

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide covers preparation only for personal and business deposit accounts offered in the U.S. by JPMorgan Chase Bank, N.A.; it does not apply to investment, custody, or other services of its holding company or other Group entities. Chase’s public business information mainly describes U.S. businesses and application channels. Eligibility for individuals residing abroad, foreign-registered companies, or applicants without a U.S. address has not been confirmed and must be checked with the bank on a case-by-case basis first.

Date information checked:2026-10-26

Information evidence package

Personal identity, address and tax information

Who it applies to: Applicants intending to apply for a personal deposit account; whether people residing outside the United States meet the account-opening requirements has not been publicly confirmed.
Documents to Prepare: Prepare your name, residential address, date of birth, and SSN, driver’s license, or other identification documents in accordance with the Chase deposit agreement; public sources reviewed do not establish that a foreign address or foreign tax number can replace the listed information.
Also prepare recent documents that explain residential address and tax residence status, to help answer the bank’s verification questions. This is a preparation suggestion, not a uniform published document list.
Prepare accurate and complete tax identity information. The agreement states that customers must notify the bank of changes to tax matters as required. Confirm the specific tax forms and foreign tax document requirements based on the account and individual circumstances.
Description: Chase’s publicly available personal deposit account agreement specifies basic identification information, but does not list in that agreement the complete set of documents applicable to applicants outside the U.S. or rules for translation or certification. Do not assume uniform document validity periods, a fixed format for proof of address, or a remote identity verification method; confirm before submitting whether original documents, certified copies, or electronic documents are required or acceptable.

Source:Chase — Deposit Account Agreement, effective June 14, 2026

Company registration, authorized persons, and ownership chain

Who it applies to: Applying for a business checking account for a privately held U.S. business; this does not mean that a foreign-registered company can open an account.
Documents to Prepare: Prepare documents issued or filed by the state confirming the company’s existence/registration, such as articles of organization or a certificate of formation; prepare a DBA/assumed-name certificate where applicable. The online application page requires an electronic copy of an official government document to be uploaded.
Organize details of authorized representatives and signatories, as well as the company name, address, and tax identification number. The branch checklist specifies two forms of personal identification, at least one of which must be a primary or government-issued document. Depending on the business structure, the tax identification number may be an SSN, ITIN, or EIN.
List the legal name, address, date of birth, tax identification number, nationality and ownership percentage of each owner holding 10% or more. Consider including a concise ownership/control chart identifying intermediate entities and ultimate natural persons.
Description: 10% is the scope of owner information collection listed in Chase’s publicly available business account-opening materials and should not be conflated with FinCEN CDD’s general 25% beneficial ownership threshold. The types of entities eligible to apply online are limited; branch documentation requirements vary by state and entity type. The bank has not published equivalent documents, authentication, or translation requirements for entities registered abroad.

Source:Chase for Business — Get ready to open your business checking account；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Business purpose, expected transactions, and description of source of funds

Who it applies to: Business applicants; business operating information is among the matters Chase says it may ask about.
Documents to Prepare: Prepare a one-page business description outlining products/services, locations of customers and suppliers, business locations, annual sales and employee numbers, and explaining why the account is needed.
Depending on the actual circumstances, organize the expected types of deposits/payments, currencies, amount ranges, frequency, and regions of counterparties. Contracts, invoices, or sales records may be used to show that the business is consistent with the expected account activity.
Keep bank statements showing the source of initial deposits, shareholder contribution records, sales receipts or financing documents, and prepare a concise explanation of the source of funds. This is a reasonable due diligence preparation recommendation; the public pages reviewed do not provide a uniform mandatory list of source-of-funds documents.
Description: Chase’s page says it may ask about operating locations, sales locations, suppliers, nature of business, annual sales, number of employees, and expected transaction types and volumes. The supporting documents mentioned above are suggested to help explain these matters; this does not mean the bank states that these documents must be submitted in every case.

Source:Chase for Business — Get ready to open your business checking account；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Due diligence and enhanced verification

Beneficial Owners and Controllers

Basis for Verification: Chase’s publicly available business application materials require information about owners holding 10% or more. The general baseline under FinCEN’s CDD rule for covered financial institutions is to identify and verify natural persons who own 25% or more of a legal entity customer, as well as one control person; this regulatory threshold does not replace the scope of Chase’s public forms, and the rules also contain exceptions.
Preparation recommendation: It is advisable to prepare the current share register, organizational chart, explanation of control, and authorization resolutions, and ensure ownership percentages, entity names, and beneficial-owner identity details are consistent. For multi-tier ownership, list each level through to the natural persons.
Scope: 10% is the scope of information in Chase’s publicly available application materials; 25% and the control-person standard are the FinCEN regulatory baseline. Do not infer that the bank will not ask about owners below 25% or other control relationships.

Source:Chase for Business — Get ready to open your business checking account；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Business substance, source of funds and expected transactions

Basis for Verification: FinCEN requires covered financial institutions to understand the nature and purpose of customer relationships, develop risk profiles, and conduct ongoing monitoring. Chase states it may ask about the business, sales and supplier locations, and the expected types and volumes of transactions. The bank has not published a standardized source-of-funds document list or internal risk thresholds.
Preparation recommendation: Match the expected account use with available records such as contracts, invoices, payroll/supplier expenses or shareholder contributions; explain the background to one-off large deposits, cross-border payments or transactions inconsistent with ordinary business activity. Provide supporting evidence as appropriate; do not fabricate transaction records to meet expectations.
Scope: Regulatory requirements are risk-based obligations for financial institutions; Chase operating materials identify matters the bank says it may ask about; the listed transaction evidence is general preparation advice.

Source:Chase for Business — Get ready to open your business checking account；FinCEN — Information on Complying with the Customer Due Diligence Final Rule

Sanctions, PEPs and associated-party background

Basis for Verification: Chase’s deposit account agreement requires customers to confirm that account holders and beneficial owners are not covered by sanctions programs administered or enforced by the U.S. Treasury’s OFAC, and reserves the right to request additional information about related persons for KYC purposes. The public materials reviewed do not disclose its PEP screening standards, enhanced review process, risk appetite, or rejection thresholds.
Preparation recommendation: If the applicant, owner, or controller holds political public office, has a possible false match against a sanctions list, or has complex associations, truthfully explain the identity and relationship and ask the bank first what documents are required. You may prepare an explanation of public-office/relationship status and documents showing the lawful source of wealth. This is a prudent preparation recommendation; it does not mean that a PEP will necessarily be rejected or is equivalent to a sanctioned person.
Scope: Sanctions declarations and the KYC information the bank may request are expressly stated in the Chase agreement; PEP materials are a preparation recommendation, and specific policies are not publicly disclosed.

Source:Chase — Deposit Account Agreement, effective June 14, 2026

Changes to address, place of residence, and tax status

Basis for Verification: Chase’s personal deposit agreement requires prompt notice of changes to the account address. If the address changes to outside the U.S., or the bank determines that the customer resides outside the U.S., the agreement states that the bank may close the account. The agreement also requires the customer to notify the bank of, or provide information about, changes in tax matters as requested. This provision applies to the stated personal deposit agreement and should not be extended to a uniform policy for all business accounts.
Preparation recommendation: Non-U.S. residents or those who may move abroad should ask in writing before opening an account whether their product, address and tax status meet the eligibility requirements. After opening, retain written records of notifications concerning changes to tax-resident status and address.
Scope: Bank terms in the personal account agreement; eligibility for cross-border applicants, tax forms, and treatment of business accounts have not been publicly verified.

Source:Chase — Deposit Account Agreement, effective June 14, 2026

Ongoing maintenance obligations

Keep personal address and tax information up to date

Chase’s personal deposit agreement requires prompt notice of address changes and allows the bank to close an account if the customer’s address changes to outside the U.S. or the bank determines that the customer resides outside the U.S. The customer also agrees to provide information about changes in tax matters at the bank’s request. The agreement does not specify a fixed annual review frequency.

Source:Chase — Deposit Account Agreement, effective June 14, 2026

Cooperate with post-opening KYC supplementation and risk reviews

Chase’s agreement states that it may request additional information from customers or related persons at account opening or afterward to meet KYC requirements; if the bank cannot obtain the required information, it may restrict or close the account. FinCEN’s CDD baseline requires covered institutions to conduct ongoing monitoring and maintain and update customer information on a risk basis; this does not mean that Chase has publicly disclosed a specific review schedule.

Source:FinCEN — Information on Complying with the Customer Due Diligence Final Rule；Chase — Deposit Account Agreement, effective June 14, 2026

Keep transactions explainable in relation to the account’s purpose

Companies should keep contracts, invoices, account records and authorization documents consistent with the declared business, beneficial ownership and expected transactions, so they can respond to subsequent bank inquiries. The agreement reserves the right to take account measures in cases of conflicting ownership, funds or activity information, suspected irregularities, or to comply with the law. Specific monitoring models, limits and alert mechanisms have not been disclosed.

Source:Chase for Business — Get ready to open your business checking account；Chase — Deposit Account Agreement, effective June 14, 2026

Please confirm with the bank before booking

Does JPMorgan Chase Bank, N.A. accept deposit account applications from individuals currently residing outside the United States, or from companies incorporated abroad whose shareholders/controllers are not U.S. residents? Which products and states of incorporation are eligible?
Must an individual or business applicant attend in person, or must a signatory attend or have a U.S. address? Which steps can be completed online, and which require a branch appointment?
Must registration documents, ownership/authorization documents, and foreign identity documents be originals, certified copies, state-certified documents, or electronic scans? Is an English translation or certification by a specific translator required?
When opening an account for a business, is ownership information collected within the 10% scope published by Chase? What additional forms/documents are required for multi-tier ownership, trusts, or authorised controllers?
For the initial deposit and subsequent large or cross-border transactions, how does the bank expect the source of funds, counterparties, currencies, and expected frequency to be explained? Are there documents specific to particular customer types?
What are the minimum opening deposit, application processing time, account fees, and procedures for handling changes to a non-resident address or tax status? Please provide the current terms for the intended product.

Not confirmed by public information

Public information does not confirm eligibility for non-U.S.-resident individuals, foreign companies, or people without a U.S. address or U.S. tax identification number. The personal agreement's closure provisions relating to foreign addresses/places of residence make the risk of moving after account opening particularly important to clarify in advance.
No complete identity-document list, corresponding requirements for foreign incorporation documents, certification/translation requirements, original-document verification methods, or commitment to remote identity verification has been found for international applicants.
In the materials reviewed, Chase has not publicly specified a fixed minimum opening deposit, review period, deadline for submitting additional documents in an individual case, business risk limit, PEP handling rules, or standards guaranteeing approval for this type of applicant.
The 10% ownership information requirement listed on the business page is different in nature from FinCEN's general 25% CDD threshold. The bank may seek broader information based on its own procedures or risk assessment; confirm the specific scope before booking an appointment.

Sources & Scope of Verification

Chase for Business — Get ready to open your business checking account
Chase’s official business materials were opened and reviewed: eligible private business structures for online applications, copies of government documents submitted online, information on owners with 10% or more, business operations and expected transaction data that may be requested, and examples of identification and business documents for branch applications. The page is limited to the scope of applications it describes and does not establish that foreign businesses may apply.
FinCEN — Information on Complying with the Customer Due Diligence Final Rule
The original FinCEN text was opened and read: the four core CDD requirements; the risk profile and risk-based ongoing monitoring/updating required of covered institutions; and the baseline for identifying and verifying the identities of owners holding 25% or more and control persons of legal entity customers. This is a regulatory baseline, not Chase’s complete published account-opening policy.
Chase — Deposit Account Agreement, effective June 14, 2026
Downloaded, extracted, and reviewed the text of this official Chase agreement: basic identity information for personal/business accounts; the ability to request KYC information at or after account opening and to restrict or close an account if it cannot be obtained; terms on personal address changes and relocation abroad; notification of changes in tax matters; and sanctions declarations. Address/residence terms apply under the agreement to personal deposit accounts and have not been generalized to all account types.

Fees and timelines

Chase’s personal checking product page publicly lists a monthly service fee of USD 15 for Chase Total Checking (which may be USD 0 if the product’s published waiver conditions are met) and USD 4.95 for Chase Secure Banking or USD 0 if eligible. The business product page lists monthly fees of USD 15 for Business Complete Banking, USD 40 for Performance Business Checking, and USD 95 for Platinum Business Checking; each may be waived under the published conditions. These are publicly listed product prices, not a quote for this applicant; the pages were checked on 2026-10-26, and products and terms may change. No clear disclosure was found of a special account-opening fee for applicants outside the U.S., minimum opening deposit, approval time, transaction/deposit limits, or fees applicable to non-residents; no estimates are made.

Limitations and practical considerations

FDIC/OCC records verify only the bank entity and its regulatory status; they do not constitute account approval or an assessment of an applicant’s eligibility.
Chase’s personal identification document page requires non-U.S. citizens without a Green Card to provide at least one primary or secondary document showing a U.S. address. Public information does not establish that applicants with only a foreign residential address can apply.
Chase limits online business applications based on business structure; eligibility for companies registered outside the U.S. and companies whose owners all reside outside the U.S., eligibility by state for account opening, and in-person application channels have not been publicly confirmed.
Public information does not confirm global video account opening, third-party witnessing, remote notarisation, or submission through an overseas agent. The availability of online banking services does not establish that identity verification can be completed remotely.
Specific products are subject to bank approval, and products, terms, and available regions may vary. The minimum opening deposit, processing time, and applicant transaction limits have not been verified from public information.
The website channels described in this research are not account-opening channels that Rengangyongsheng (Hong Kong) Limited can currently arrange an appointment for or process applications through. This research does not advise on evading screening, sanctions, or disclosure obligations.

Licensing evidence and regulatory verification

A specific entity has been found: the OCC financial-institution detail page lists JPMorgan Chase Bank, National Association as Active and a National Bank, with OCC Charter/License 8, FDIC Insurance Status Insured, and FDIC Certificate 628. The FDIC BankFind detail for the same institution also lists its name, Certificate 628, and the OCC as its primary federal regulator. The respective page data dates are 2026-10-23 (individual FDIC page) and 2026-10-02 (FDIC institution detail). This verifies the bank entity and its national bank/deposit-insurance records; it does not mean that every service it offers is available to every applicant or establish licenses held by other group entities.

Office of the Comptroller of the Currency (OCC); FDIC records list it as the bank’s deposit insurance recordkeeping agency, and the CFPB as a secondary federal regulator Official registration or record

Information sources

OCC Financial Institution Search — JPMorgan Chase Bank, National Association
The specific entity name, Active status, National Bank type, OCC Charter/License 8, FDIC Insured status, and Certificate 628.
FDIC BankFind Suite — JPMorgan Chase Bank, National Association, Certificate 628
Specific FDIC institution details: bank entity name, FDIC Certificate 628, OCC as primary federal regulator, national bank classification and FDIC-insured depository status. The page states that data is as of 2026-10-02.
Chase — Personal Checking Accounts
Individual checking product, monthly service fee and waiver conditions listed on the page, statement that the account is subject to approval, and notice that deposit products are provided by JPMorgan Chase Bank, N.A.
Chase — Acceptable Forms of Identification
Chase’s list of primary and secondary identification documents by personal identification category; for non-U.S. citizens without a Green Card, at least one document must show a U.S. address, and the acceptable document categories are listed.
Chase — How to Open a U.S. Bank Account for Non-Residents
Chase’s educational article provides a general overview of opening a bank account in the U.S. as a nonresident, including possible requirements for identification, a U.S. address, and an opening deposit, and a disclaimer that requirements vary by bank and should be confirmed directly; it does not establish Chase’s acceptance policy for non-U.S. residents.
Chase for Business — Get Ready to Open Your Business Checking Account
Online/branch application routes for businesses, company structure, information for owners holding 10% or more, company registration and management documents by business type, identification and tax number, business operating information, and branch-processing restrictions.
Chase for Business — Business Checking
Business checking account products, published monthly fees and waiver information, privately held business structures eligible to apply online, branch application details, business information requirements, and product terms.
FinCEN — Information on Complying with the Customer Due Diligence Final Rule
The four core CDD requirements for covered U.S. financial institutions, identity verification for legal-entity customers’ owners with 25% or more ownership and control persons, and the risk-profiling and ongoing-monitoring baseline.
J.P. Morgan — Tax Self-Certification Forms
J.P. Morgan discloses the FATCA, U.S. withholding tax, and information reporting purposes of Forms W-8/W-9; it lists forms such as W-9, W-8BEN, and W-8BEN-E for different U.S. tax residency statuses. It also notes that customers should consult a tax adviser.
IRS — About Form W-9, Request for Taxpayer Identification Number and Certification
The IRS states that Form W-9 is used to provide a correct taxpayer identification number to a payer required to file an information return.
U.S. Treasury OFAC — Basic Information on OFAC and Sanctions
OFAC’s responsibilities, general rules on U.S. sanctions and asset blocking or transaction prohibitions, the scope of persons covered—including U.S. persons—and the explanation that restrictions may vary by sanctions program.
FDIC — What Does Deposit Insurance Cover?
FDIC-insured categories of traditional deposit accounts, conditions for automatic insurance coverage, nondeposit products that are not insured, and how to verify coverage through BankFind.
IRS — Foreign Account Tax Compliance Act
The IRS’s official explanation of FATCA’s legislative purpose, its reporting regime for certain foreign financial institutions/entities, and resources related to U.S. financial institutions.