I was able to open the Chase account online because there are no Chase banks in all of California. I funded it with a Continental credit card to also earn miles with no fee. I had to chat online with a rep but when he entered the code he said that he was not able to get it to work. I called Chase the next day , talked to another rep and got it all worked out. They sent me a letter that I would get the 21,000 miles. Even though I spent abot 2 hours of calling and steetingthis up it is worth it.