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The right bank account, right when it matters

From their first account to their first paycheck, Chase can help your family’s growing needs and start building good money habits at any age.

A mother and her two children review finances on the laptop together A mother and her two children review finances on the laptop together

table

KIDS FROM
6 TO 12

Chase First Banking(SM) debit card Chase First Banking(SM) debit card

Chase First
BankingSMSame page link to footnote reference1

Best for kids, available for ages 6-17, managed by parents

Open accountButton opens account application for Chase First Banking(Service Mark)

Not a Chase
customer?
Explore options Opens in a new window

TEENS FROM
13 TO 17

Chase High School Checking(SM) debit card Chase High School Checking(SM) debit card

Chase High
School CheckingSMSame page link to footnote reference2

Best for teens on the path to financial independence

Open in branch Opens in same window

Not a Chase
customer?
Explore options Opens in a new window

YOUNG ADULTS
17+

Chase Secure Banking(SM) debit card Chase Secure Banking(SM) debit card

Chase Secure
BankingSM

Great for students looking for banking basics

Open accountButton opens account application for Chase Secure Banking (Service Mark)

17-year olds
must
open in branch Opens in a new window

table layout start:

Chase First Banking (Service Mark)
Chase High School Checking(Service Mark)
Chase Secure Banking(Service Mark)

Monthly Service FeeSame page link to footnote reference3

$0
Requires eligible
account to open

$0
Requires eligible
account to open

$0 for 17-24 year oldsSame page link to footnote reference4
Avoid fee

Manage account with Chase Mobile app®Same page link to footnote reference5

Yes

Yes

Yes

Send and receive money instantly with Zelle®Same page link to footnote reference6

No

Yes

Yes

Debit Card

Yes

Yes

Yes

Parental Controls
Set limits and customize alertsSame page link to footnote reference7

Yes

Yes

No

Parents can set up and schedule recurring allowance transfers

Yes

No

No

Direct deposit

No

Yes

Yes - 2 days earlySame page link to footnote reference8

Overdraft fees​Same page link to footnote reference9
Spend only what you have

No

No

No

A student uses his Chase debit card to make a purchase online

Check out what other families are saying

quotation marks

CHILD

“It is very cool to have my own debit card with my name and then I can pay for my own things without my parents' card.”

- EthanSame page link to footnote reference10
CHASE FIRST BANKING CUSTOMER

PARENT

“I really love that I am able to start teaching my child about banking, saving, earning, and spending.”

- KaylaSame page link to footnote reference10
CHASE FIRST BANKING CUSTOMER

Participants are compensated for their survey participation.

Looking to add a savings account?

Piggy bank icon

Chase First Banking
& Chase High School Checking

Start building smart money habits — add a Chase SavingsSM account to your Chase First Banking or High School Checking account. Automatically set money aside, earn interest and track your savings on the go.Same page link to footnote reference11

See account details Opens in a new window

Check icon Plus sign icon Piggy bank icon

Chase Secure
Banking

Pair a Chase SavingsSM account — they go great together. Start strong and build savings habits. Plus, no Monthly Service Fees if you're 17 to 24 years old.Same page link to footnote reference11
 

Open both accounts Opens in a new window

Got questions? We’ve got answers.

What is Chase First Banking? How do I fund the account and activate the debit card once it arrives?  Expand content

Chase First Banking is a banking account for kids ages 6-17 and designed with kids 6-12 in mind, opened by parents, that helps families digitally manage spending and provides opportunities for kids to learn and practice the basics of money management by using a debit card in their name. It can be accessed virtually anywhere with the Chase Mobile® appSame page link to footnote reference1 or on chase.com.

Chase First Banking accounts come with a number of unique features for both parents and kids.

Parents can:

  • Choose where and how much their child can spend in stores and online
  • Create kids' allowances
  • Assign chores
  • Receive activity-related Account AlertsSame page link to footnote reference2
  • Set limits on where and how much their child can spend or withdraw at ATMs

And kids can:

  • Use their debit card to make purchases at stores and online
  • Track their balances and transactions with the Chase Mobile® app
  • Create savings goals
  • Withdraw money from ATMs using their Chase First Banking debit card (at participating non-Chase ATMs; fees from Chase and the ATM owner still apply)
  • Learn how to manage their money in real-world scenarios

Once you have opened your Chase First Banking account, the debit card should arrive in the mail in about a week. To activate the Chase First Banking debit card visit  chase.com/activateopens in a new window, call 1-800-290-3935 or make a transaction at any Chase ATM. Your child can request money in the Chase Mobile®  app or on chase.comopens in a new window. They can select the dollar amount, enter where they want the money to be transferred and leave a note with what they’re requesting money for.

Do I need to be a Chase customer to open a Chase First Banking account? What’s the age requirements for Chase First Banking? Expand content

Yes, you need to be a Chase checking customer to open a Chase First Banking account. Chase First Banking accounts must be linked to a qualifying Chase checking account, but your child will not have access to your other Chase accounts.

Qualifying accounts include: Chase Secure CheckingSM Opens in a new window, Chase Total Checking® Opens in a new window, Chase Premier Plus CheckingSM Opens in a new window, or Chase Private Client CheckingSM Opens in a new window. Benefits offered to these checking accounts do not apply to Chase First Banking accounts.

Chase First Banking is available for kids ages 6-17 and designed with kids ages 6-12 in mind.

You can open an account online or schedule a meeting Opens in a new window at a Chase branch. If you're a current Chase customer, you can also use your Chase Mobile® app to open an account today. Need help deciding? Compare our checking account options here Opens in a new window.

How many Chase First Banking accounts can I have? And what if I need help with my Chase First Banking account? Expand content

Chase customers who have a qualifying checking account can open up to five Chase First Banking accounts per parent/guardian. You can call 1-800-935-9935 to speak with a specialist. You can also  schedule a meeting Opens in a new window  with a Chase banker or visit any Chase branch.

How do I find Chase First Banking account? Expand content

You and your child can access Chase First Banking by signing in to the Chase Mobile® app. You can help them sign in using the username and password you created when you opened the account. This will not give your child access to your other Chase accounts.

How can my child request money? Expand content

Your child can request money in the Chase Mobile® app or on chase.comopens in a new window. They can select the dollar amount, enter where they want the money to be transferred and leave a note with what they’re requesting money for.

What’s the difference between a Chase High School Checking account and a regular checking account? Expand content

Chase High School Checking is for students ages 13-17 at account opening with their parent/guardian as a co-owner. The parent must have an existing qualifying Chase checking account which must be linked to the High School Checking account. Qualifying accounts exclude Chase High School Checking, Chase College Checking, Chase Secure Checking and Chase First Checking.

High School Checking has no monthly service fee. Standard Overdraft Practice and Chase Debit Card CoverageSM aren't available.

What do students need to open a Chase High School Checking account in-branch? Expand content

To open an account in the branch, students must have a parent or guardian with them. The parent or guardian must have a qualifying checking account. Qualifying accounts exclude Chase High School Checking, Chase College Checking, Chase Secure Checking and Chase First Checking.

Students need to know their Social Security number and should bring at least one primary ID and one secondary ID. See acceptable forms of identification to open an account (PDF) Opens in a new window.

What do non-U.S. students need to open a Chase High School Checking account in-branch? Expand content

Non-U.S. citizens can open a Chase High School CheckingSM account in any Chase branch with a Passport with photo and the Student INS I-20 or ICE I-20 form OR Passport with photo and the DS-2019 form. Non-U.S. students also need a residential address and a parent or legal guardian.

What happens to the Chase High School Checking account once the student turns 19? Expand content

When the student turns 19, their Chase High School Checking account will convert to a Chase Total Checking account. The parent/guardian from the Chase High School Checking account will remain as a co-owner of the Chase Total Checking account unless removed.

What is a Chase Secure  Banking account? Expand content

Chase Secure Banking is a simple, convenient checking account with no overdraft fees and requires no minimum deposit to get started. Moreover, there are no fees on most everyday transactions like money orders, cashier’s checks, when you cash checks, send money using Zelle® or use a Chase ATM.

  • You can download the Chase Mobile app and manage your money, deposit checks and pay bills or people from virtually anywhere.
  • With Chase Secure Banking get that “just paid” feeling up to two business days sooner with early direct deposit.

How does early direct deposit work with Chase Secure Banking? Expand content

With Chase Secure Banking, you can receive your eligible direct deposits up to two business days early. If you're already set up for direct deposit, you'll be automatically enrolled. If you haven't set it up yet, you'll need to set up direct deposit to your account.

Does the Chase Secure Banking account charge overdraft fees? Expand content

There are no overdraft fees with a Chase Secure Banking account. We help you spend only what you have without worrying about overdraft fees.

How to avoid the Chase Secure Banking Monthly Service Fee? Expand content

You can avoid the $4.95 Monthly Service Fee by having ONE of the following each monthly statement period:

  • $250+ in qualifying electronic deposits
  • An account owner who is 17-24 years old
Parents help their child set up their account online Parents help their child set up their account online

Not a Chase customer yet?

Parents will need an eligible Chase
account to open.

Explore accounts Opens in a new window

Chase High School CheckingSM

Eligible accounts

Monthly Service Fee

$0 with the following:

For students 13 to 17 years old at account opening with their parent/guardian as a co-owner and the account linked to the parent/guardian's personal checking account with us. Linked accounts exclude Chase High School CheckingSM, Chase College CheckingSM, Chase Secure CheckingSM and Chase First CheckingSM.

Keep in mind: When the student turns 19, the Chase High School CheckingSM account will become a Chase Total Checking® account.


Other fees apply. See Additional Banking Services & Fees (PDF) for more information. Account subject to approval.

Open in branch

Chase First BankingSM

Eligible accounts

Monthly Service Fee

$0

You must be an existing Chase checking customer to open the account. Same page link to footnote reference 1 Eligible parent accounts include:

  • Chase Secure BankingSM
  • Chase Total Checking®
  • Chase Premier Plus CheckingSM
  • Chase Sapphire® Banking
  • Chase Private Client CheckingSM

Account subject to approval. See Additional Banking Services & Fees (PDF) for more information.

Open account

Same page link returns to footnote reference 1Qualifying accounts include: Chase Secure CheckingSM, Chase Total Checking®, Chase Premier Plus CheckingSM, Chase Sapphire® Checking or a Chase Private Client CheckingSM account. Benefits offered to these checking accounts do not apply to Chase First Checking accounts. To promote parental controls and guardrails, only the parent/guardian who opened the account can fund, or manage it. You can open a Chase First Checking account for your child who is 6-17 years old.

Chase Secure BankingSM

How to avoid the fee

Monthly Service Fee Same page link to footnote reference 1

$4.95 OR $0 when you have ONE of the following during each monthly statement period:

$250+
in qualifying electronic deposits

OR

An account owner who is
17-24 years old.

17-year-olds must open in branchopens in a new window.
Other fees apply. See Additional Banking Services & Fees (PDF) for more information. Account subject to approval.

Open account

Same page link returns to footnote reference 1Chase Secure BankingSM: $0 Monthly Service Fee when you have any ONE of the following during each statement period: Option #1: $250+ in qualifying electronic deposits; OR, Option #2: an account owner who is age 17-24. Qualifying electronic deposits include payments from your employer or government entities (benefits, tax refunds, etc.), made using the ACH network, Real Time Payment (RTP®), FedNow® Service, or third-party services that facilitate payments to your debit card using the Visa® or Mastercard® network. Transactions such as Zelle®, cash, checks, wire transfers, and interest payments do not count as qualifying electronic deposits. Otherwise a $4.95 Monthly Service Fee will apply.

New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Product terms subject to change. For more information, please see a banker or visit chase.com/checkingopens in a new window.

Same page link returns to footnote reference 1For parents/guardians interested in teaching their child how to manage money using a debit card with the child's name on it. The parent/guardian is the owner of this account and must have an online profile and one of these other checking accounts at account opening: a Chase Secure CheckingSM, Chase Total Checking®, Chase Premier Plus CheckingSM, Chase Sapphire® Checking, or a Chase Private Client CheckingSM account. Benefits offered to these checking accounts do not apply to Chase First Checking accounts. To promote parental controls and guardrails, only the parent/guardian who opened the account can fund or manage it. You can open a Chase First Checking account for your child who is 6 -17 years old. Once your child turns 18, we recommend they open their own account. If they do not select another account by the time they turn 25, we will close the Chase First Checking account.

Same page link returns to footnote reference 2For students 13 to 17 years old at account opening with their parent/guardian as a co-owner and the account must be linked to the parent/guardian’s personal Chase checking account. Linked accounts exclude Chase High School CheckingSM, Chase College CheckingSM, Chase Secure CheckingSM and Chase First CheckingSM. When the student turns 19, the Chase High School Checking account will become a Chase Total Checking® account.

Same page link returns to footnote reference 3New and converted accounts will not be charged a Monthly Service Fee for at least the first two statement periods. After that the Monthly Service Fee will apply unless you meet one of the ways to avoid the Monthly Service Fee each statement period (if applicable).

Same page link returns to footnote reference 4Chase Secure BankingSM: $0 Monthly Service Fee when you have ONE of the following during each statement period: Option #1: $250+ in qualifying electronic deposits; OR, Option #2: an account owner who is age 17-24. Qualifying electronic deposits include payments from your employer or government entities (benefits, tax refunds, etc.), made using the ACH network, Real Time Payment (RTP®), FedNow® Service, or third-party services that facilitate payments to your debit card using the Visa® or Mastercard® network. Transactions such as Zelle®, cash, checks, wire transfers, and interest payments do not count as qualifying electronic deposits. Otherwise a $4.95 Monthly Service Fee will apply.

Product terms subject to change. For more information, please see a banker or visit chase.com/checkingopens in a new window.

Same page link returns to footnote reference 5Chase Mobile® app is available for select mobile devices. Message and data rates may apply.

Same page link returns to footnote reference 6Enrollment in Zelle® at a participating financial institution using an eligible U.S. checking or savings account is required to use the service. Chase customers may not enroll using savings accounts; an eligible Chase consumer or business checking account is required, and may have its own account fees. Consult your account agreement. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to 3 business days. Enroll on the Chase Mobile® app or Chase OnlineSM. Limitations may apply. Message and data rates may apply. Zelle® is intended for payments to recipients you know and trust and is not intended for the purchase of goods from retailers, online marketplaces or through social media posts. Neither Zelle® nor Chase provide protection if you make a purchase of goods using Zelle® and then do not receive them or receive them damaged or not as described or expected. In case of errors or questions about your electronic funds transfers, including information on reimbursement for fraudulent Zelle® payments, see your account agreement. Neither Chase nor Zelle® offers reimbursement for authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle®. This reimbursement program is not required by law and may be modified or discontinued at any time. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Same page link returns to footnote reference 7Account Alerts: There's no charge from Chase, but message and data rates may apply. Delivery of alerts may be delayed for various reasons, including service outages affecting your phone, wireless or internet provider; technology failures; and system capacity limitations. Any time you review your balance, keep in mind it may not reflect all transactions including recent debit card transactions.

Same page link returns to footnote reference 8For Chase Secure CheckingSM only: Early direct deposit is a service that comes with your Chase Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us. This means when these transactions are credited could vary and you may not receive your funds early. Eligible transactions are certain ACH credit transactions such as payroll, government benefits or similar transactions.

Same page link returns to footnote reference 9We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account (like when you add a tip at a restaurant after the transaction for the meal was already approved). Even if you have a negative balance, we will not charge you an overdraft fee.

Same page link returns to footnote reference 10The testimonials on this page or provided via linked videos are the sole opinions, findings or experiences of our customers and not those of JPMorganChase Bank, N.A. or any of its affiliates. These opinions, findings, or experiences may not be representative of what all customers may achieve. JPMorganChase Bank, N.A. or any of its affiliates are not liable for decisions made or actions taken in reliance on any of the testimonial information provided.

Same page link returns to footnote reference 11Chase SavingsSM: $0 Monthly Service Fee when you have any ONE of the following during each statement period: Option #1: $300+ balance at the beginning of each day; OR, Option #2: $25+ in total Autosave or other repeating automatic transfers from your personal Chase checking account (available only through chase.comopens in a new window or Chase Mobile®); OR, Option #3: Link this account to a qualifying checking account; OR, Option #4: Link this account to a Chase College CheckingSM account that is enrolled in Overdraft Protection; OR, Option #5: An account owner who is under the age of 25. Otherwise a $5 Monthly Service Fee will apply.

Qualifying linked checking accounts include J.P. Morgan Private Client Checking Plus, J.P. Morgan Classic Checking, Chase Private Client CheckingSM, Chase Sapphire® Checking or Chase Premier Plus CheckingSM. For personal accounts, there must be a common owner.

Product terms subject to change. For more information, please see a banker or visit chase.com/savingsopens in a new window.

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Discover products and financial education tailored to help parents and students at the Student Center Opens in a new window. For parents with kids and teens, explore Chase High School CheckingSM Opens in a new window or Chase First BankingSMOpens in a new window as an account that helps parents teach good money habits.

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