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A close-up of someone holding a Chase card and cash at an ATM. A close-up of someone holding a Chase card and cash at an ATM.

About Chase First BankingSM

  • Overview Same page link to Overview section
  • FAQs Same page link to FAQs section
  • Product details opens in a new window
  • Compare accounts opens in a new window

A debit card for kids and teens, managed by parents. Chase First BankingSM and the Chase Mobile® app same page link to footnote reference 1 help kids and teens use their debit card and learn good money habits.

A teenager shows their parent something on their phone. A teenager shows their parent something on their phone.

Spend

Parents choose where their child can shop

Kids use their debit card to make purchases at stores and online

Save

Parents teach children about savings goals and track their progress

Kids learn to set goals and manage their money in real-world scenarios

Earn

Parents assign chores and create allowances

Kids track balances and transactions via Chase Mobile® app

Taking the first step is easy with Chase First BankingSM

Watch these popular how-to videos and see how your child's first banking experience comes to life.

Chase First Banking Add Your Money Video Image opens overlay

Creating places to spend Opens in a new window

Get started by adding places to spend and moving money to them

Chase First Banking Manage Money Requests Video Image opens overlay

Transferring money Opens in a new window

Transfer money and complete requests from your child

Chase First Banking Manage Account Alerts Video Image opens overlay

Account services Opens in a new window

Add alerts, replace or lock/unlock a card and more

Chase First Banking Determine and Set Allowance Video Image opens overlay

Allowances Opens in a new window

Choose an allowance amount and how often it’s being transferred

Chase First Banking Assign Chores Video Image opens overlay

Chores Opens in a new window

Assign a chore and a reward amount for your child

Frequently asked questions

  • The basics Opens the basics section - updates page content
  • Account setup Opens Account Setup section - updates page content
  • Spend Opens Spend section - updates page content
  • Save Opens Save section - updates page content
  • Earn Opens Earn section - updates page content
  • Get your child started Opens Get your child started section - updates page content
  • All Opens All section - updates page content

Chase First Banking is a banking account for teens and kids opened by parents that helps families digitally manage spending and provides opportunities for kids to learn and practice the basics of personal finance by using a debit card in their name. It can be accessed virtually anywhere with the Chase Mobile® appsame page link to footnote reference 1 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 reference 2

And teens/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

Yes, Chase First Banking debit cards can be used at all of Chase’s 15,000 ATMs. They can also be used at participating non-Chase ATMs (fees from Chase and the ATM owner still apply).

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.

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

If you don’t have a qualifying Chase checking account, you can open one with the Chase Mobile® app, on chase.com, or by visiting any Chase branch location.

Chase First Banking accounts can be opened online for kids who are ages 6-17.

Chase First Banking accounts don’t have a monthly service fee.

Chase First Banking account holders will not be charged overdraft fees. However, if the final amount of a purchase is greater than the amount that was originally authorized (for example if your child leaves a tip at a restaurant), the account may become overdrawn.

Chase First Banking debit cards can be used virtually everywhere Visa debit is accepted, both online and in stores, and at all of Chase’s 15,000 ATMs. They can also be used at participating non-Chase ATMs (fees from Chase and the ATM owner still apply).

Chase First Banking debit cards can be used internationally. Fees may apply for international purchases.

Fees may be charged if:

  • you expedite the shipment of a replacement debit card
  • your child uses their debit card at a non-Chase ATM
  • your child makes a purchase or ATM withdrawal in another currency using their debit card

Chase customers who have a qualifying checking account can open up to five Chase First Banking accounts per parent/guardian.

Only one parent can open and manage Chase First Banking accounts.

Yes, Chase First Banking does not support peer-to-peer transactions like those using Zelle®, Venmo®, PayPal® or Cash App™. Additionally, the account’s debit card cannot be added to fund these types of transactions.

No, Chase First Banking does not have a direct deposit option. Chase High School Checking, an account for teens ages 13-17 that includes direct deposit and check writing, may be a better option. To learn more, visit Chase High School CheckingSM Opens in a new window.

You can schedule an appointment with a Chase banker or visit any Chase branch. You can also sign in to the Chase Mobile® app to find more information.

For 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 SapphireSM Checking, or a Chase Private Client CheckingSM account. Benefits offered to these checking accounts do not apply to Chase First Checking accounts. Only the parent/guardian who opened the account can fund, view or manage this account. You can open a Chase First Checking account for your child who is 6–17 years old. Once the child has reached the age of 18, Chase may recommend they open their own account.

Same page link returns to footnote reference1 Chase Mobile® app is available for select mobile devices. Message and data rates may apply.

Same page link returns to footnote reference2 Account 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.

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We're here to help you manage your money today and tomorrow

Chase banking

We want to make banking Opens in a new window easy. Access your bank account Opens in a new window or open a bank account online. Opens in a new window Bank Opens in a new window from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and more than 4,700 branches.

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Student banking

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 Checking Opens in a new window or Chase First Banking Opens in a new window as an account that helps parents teach good money habits. Our Chase College Checking account Opens in a new window has great benefits for students and new Chase customers can enjoy this special offer Opens in a new window.

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