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A mother speaks to her daughter A mother speaks to her daughter

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
  • Student account comparison opens in a new window

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

A daughter standing next to her father and showing off her Chase First Banking debit card A daughter standing next to her father and showing off her Chase First Banking debit card

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 the 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 For Kids video image opens overlay

For kids: Getting started with Chase First Banking Opens in a new window

Learn how to start spending, saving and earning money

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 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 Assign Chores Video Image opens overlay

Assign chores Opens in a new window

Assign a chore and a reward amount for your child

Chase First Banking Determine and Set Allowance Video Image opens overlay

Determine and set allowance Opens in a new window

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

Chase First Banking Manage Account Alerts Video Image opens overlay

Account services Opens in a new window

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

Frequently asked questions

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

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 CheckingSMopens in a new window, Chase Total Checking®opens in a new window, Chase Premier Plus CheckingSMopens in a new window, Chase SapphireSM Checkingopens in a new window and Chase Private Client CheckingSMopens in a new window. Benefits offered to these checking accounts do not apply to Chase First Banking accounts.

You can open an account online or schedule a meetingopens 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 hereopens in a new window.

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

To promote parental controls, only the parent/guardian who opened the account can fund or manage it.

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

There is no Monthly Service Fee for Chase First Banking accounts and Chase won’t charge you any overdraft fees. If your child's final purchase amount is greater than the original authorized amount, for example if your child leaves a tip at a restaurant, the account may become overdrawn.

Chase may charge debit card fees if:

  • Replacement debit card shipments are expedited
  • 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

Funds can only be transferred into the Chase First Banking account from the parent/guardian's Chase checking account via the Chase Mobile® app. Cash/check deposits in a Chase branch, at ATMs or direct deposits are not supported with Chase First Banking.

Yes, you can use Chase First Banking debit cards at all of Chase's more than 15,000 ATMs. You can also use them at participating non-Chase ATMs (fees from Chase and the ATM owner still apply).

There is a $100 daily ATM withdrawal limit and a $400 daily purchase limit for Chase First Banking accounts.

No, Chase First Banking does not support peer-to-peer transactions, like those using Zelle®, Venmo®, PayPal® or Cash AppTM. Additionally, the account’s debit card cannot be added to fund these types of transactions.

Chase High School CheckingSM Opens in a new window, an account for teens ages 13-17, may be a better option for teens who need access to peer-to-peer transactions. Compare our checking account options hereopens in a new window.

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

Yes. Fees may apply for international purchases.

You can call 1-800-935-9935 to speak with a specialist. You can also schedule a meetingopens in a new window with a Chase banker or visit any Chase branch.

If your child is 13-17 years old, consider switching their account to Chase High School CheckingSM Opens in a new window. With you as the co-owner and no Monthly Service Fees, a High School Checking account will continue to help them build financial independence with features like direct deposit, Zelle® and mobile banking.

If your child is 18 or older, it's time they move into their own checking account. With the right account, they'll continue building their financial independence with features like direct deposit, Zelle® and Chase Credit Journey®. Close the Chase First Banking account and have them open their own checking account. Need help deciding? Compare our checking account options hereopens in a new window.

If they do not select another account by the time they turn 25, we will close the Chase First Checking account.

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. 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 Banking CheckingSM 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. 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 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

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Find the checking account Opens in a new window that's best for you. See our Chase Total Checking® Opens in a new window offer for checking new customers. Check out our bank account without overdraft fees Opens in a new window. View FAQs, how-to videos and other resources to help you get started with your new account Opens in a new window.

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

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About Chase

Chase serves nearly 82 million consumers and 6.4 million small businesses with a broad range of financial services. To learn more, visit the Banking Education Center Opens in a new window. For questions or concerns, please contact Chase customer service Opens in a new window or let us know at Chase complaints and feedback Opens in a new window.

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