You don't need a job but you do need to show the bank how you support yourself here.
I am retired but I have money sent into my bank account every month from the states
and seeing this the bank approved me right away, but a cedulla was necessary. Now, when Banco Popular looked up my Cedulla on their computer system in Santiago it showed nothing even though I'd had my Cedulla for 2 years. I had to go to the Capital and get a certified letter made out to the "attention of the bank", stating that my Cedulla was in order. Out of curiosity I went to the Bank in the capital and asked them to look up my Cedulla on their computer system. Low and behold, there it was photo and all, go figure.