I HAVE A QUESTION,,I HAVE A FRIEND IN GHANA,,AND HE WANTS ME TO OPEN A CHASE ACCOUNT SO HE CAN TRANSFER MONEY FROM HIS ACCOUNT TO THE CHASE ACCOUNT,

Under U.S. banking law, if you open an account in the U.S., it will be your account, and the bank is required to "know" you as its customer. If your friend in Ghana misuses the account (i.e., for tax evasion or money laundering), you may have liability for such misuse. Your friend should take steps to open his own account if he wants to have an account in the U.S.