I recently received an offer in the mail to open a checking account with Chase. With qualifing direct deposit, etc. I would receive $300.
It wasn't until I received a pop up when applying that I already had an account and needed to login to complete my application. I completly forgot I had a Chase checking and savings account in 2016.
I come to find out after several phone calls to Chase, that the checking account I had was closed with a negative balance, although they say that I did pay it in full ( I assume after it was closed I paid it, I honestly don't remember).
Because of this, I am only eligable to open a checking and or savings account in person.
I am rebuilding my credit so one of my 2026 credit goals is to be able to apply for the Freedom Rise or the Freedom Flex card. I know having an established relationship helps with Chase approvals, especially when I get to the point of being able to apply for the Saphire Preferred and Reserve ( that's more than likely a 2027 goal but I will get there!).
Does anyone know how forgiving Chase is? The nearest branch is a drive from where I currently live now and I'd hate to drive an HR only to be turned down for a checking account. I spoke to someone both in the regular customer service and the collections department and they just keep telling me I have to go in person, with 2 forms of ID, and that all applications are subject to approval.
