Chase First Banking is a bank 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^® app¹ 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 alerts²

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 (fees from the ATM owner still apply)
• Learn how to manage their money in real-world scenarios

Yes, Chase Firsts Banking debit cards can be used all of Chase’s 16,000 ATMs. They can also be used at participating non-Chase ATMs (fees from 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 Checking℠, Chase Total Checking®, Chase Premier
Plus Checking℠, Chase Sapphire℠ Checking, Chase Better Banking® Checking, Chase Premier Checking℠, Chase 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 ages 6 years and older.

Similar to all of our products, we use secure technology to help protect your account information. Specifically, this product has been built with precautions to further reduce the chance of fraud:

• Embedded chip technology provides a layer of security when using the Chase First Banking debit card to pay at retailers with chip-card readers
• Chase Online Banking and the Chase Mobile® app use 128-bit encryption technology to help safeguard personal account information
• Parents can lock or unlock the Chase First Banking debit card with the Chase Mobile® app or online at chase.com
• Parents can create withdrawal limits at ATMs and for spending

We take our responsibility to protect personal information seriously. This is especially true when we handle personal information about children. As with all forms of nonpublic personal information we collect, we've set up physical, electronic and procedural safeguards that meet federal standards for keeping children’s personal information safe from unauthorized access or use. These measures include computer safeguards and secured files and buildings; authorizing our employees to get information only when they need it to do their work; and requiring companies that work for us to protect the information they receive. In addition, we will not require your child to disclose more personal information than is necessary to interact with Chase First Banking and we’ve instituted parental controls that allow you to see what personal information we’ve collected from your child. Please review our Children’s Privacy Policy for more information about how we collect, share, use and protect your child’s information when they interact with Chase First Banking.

Chase First Banking accounts don’t have monthly service fees.

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 16,000 ATMs. They can also be used at participating non-Chase ATMs (fees from 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

At this time, the Chase First Banking debit card cannot be added to any digital wallet, including Apple Pay^® or Google Pay^™.³

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 Chase QuickPay^® with 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 Checking^SM.

If the parent no longer has an eligible checking account, the Chase First Banking account will stay open for two statement cycles and then it will be closed if not linked to a funding checking account. The parent who opened/managed the account will receive a check with the remaining balance after two statement cycles if no other linked accounts are identified.

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.

The debit card should arrive within 3 to 5 business days.

To activate the Chase First Banking debit card call the number on the activation sticker or use it at an ATM.

You can transfer money two different ways:

• Set up a one-time transfer by choosing “Transfer” on your Chase First Banking account dashboard in the Chase Mobile^® app or on chase.com.
• Create a recurring transfer from your Chase checking account to the Chase First Banking account in the Chase Mobile^® app. Go to the “Earn” tab and choose “Allowance.” See Allowance FAQ below for more instruction.

Deposits cannot be made into a Chase First Banking account at an ATM. Deposits can only be made by transfers on chase.com or in the Chase Mobile^® app.

Your child can withdraw money from any Chase ATM for free (fees from the ATM owner still apply). The daily withdrawal limit for Chase First Banking is $100. Keep in mind, they’ll only be able to take money from their “Spend anywhere” and “ATM” balances.

You can receive notifications for your child’s banking account activities like when they use their debit card or request money. To sign up for Chase First Banking alerts, sign in to your account on the Chase Mobile^® app choose “Profile & settings,” tap your profile icon and select “Manage alerts.” On chase.com, choose “Profile & settings,” then “Alerts.” Your child can also receive account alerts.²

In the Chase Mobile^® app, transactions can be reviewed by tapping the Chase First Banking tile and choosing “See all activity.” On chase.com, choose the Chase First Banking account and then “Account activity.”

A “Place to spend” is a merchant or broader category, like “Restaurants,” that determines where your kid can use their debit card. You can designate a specific amount of money that can be used for each “Place to spend.” That means, if your kid has a “Place to spend” for their favorite coffee shop, and $10 allocated to that “Place to spend,” they can only use that $10 at that coffee shop.

For every purchase your kid makes, we check to see if there’s an existing “Place to spend” and pull the money from there. If there isn’t one, we’ll use your kid’s “Spend anywhere” money to cover the cost.

Some merchants, like car rental companies or gambling establishments, are not eligible to be “Places to spend.”

“Spend anywhere” money is money your child can use anywhere and makes up a portion of their available balance (it works just like the available balance of any Chase checking account). “Spend anywhere” money can also be used if there isn’t enough money to cover an ATM withdrawal or purchase made at a “Place to spend.” We’ll pull the difference, so there’s no guesswork for your child to do.

In general, if there isn’t enough money in their “Place to spend,” or enough “Spend anywhere” money, to cover a purchase, we will decline the transaction.

You can transfer money to your child from a different Chase checking account or move money within the Chase First Banking account. All of the “Places to spend” and savings goals will appear when you choose a source and destination for your transfer.

You can choose where and how much your child can spend by creating spend categories and setting spend limits in the Chase Mobile^® app or on chase.com.

This is the portion of your child’s available balance that has been set aside for saving. It counts toward the overall available balance but can’t be spent unless you transfer the money into a “Place to spend.”

You or your child can create a savings goal to set aside money for something specific like a computer or even their education. When you create a savings goal, you can name it and choose a goal amount. Either you or your child can transfer money to the savings goal at any time, and you can track progress in the app.

Congratulations! Your child achieved their savings goal. You have the option to transfer it to a “Place to spend,” or your child can keep saving. Then, you and your child can set new goals in the Chase Mobile^® app and make savings a habit.

With allowance, you can create a recurring transfer into your child’s Chase First Banking “Spend anywhere” or “General savings” balances. You can choose the allowance amount, where the money’s coming from and how often it’s being transferred. To start an allowance, choose the “Earn” tab, then “Allowance” and then “Create an allowance.”

You can assign chores with your Chase First Banking account in the Chase Mobile^® app. Just create a name and description for the chore and—if you want—a reward amount for your child. Because payment for a chore is not sent automatically, you can check that the chore was actually completed first.

To schedule a one-time payment, use “Transfer money” instead.

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

They can access Chase First Banking by signing in to the Chase Mobile^® app or online at chase.com.

To lock or unlock the Chase First Banking debit card, go to “Account services” and choose “Lock & unlock card.” Both parents and children can lock and unlock the card. But if a parent locks it, only they can unlock it.

If you think someone used your child’s Chase First Banking debit card without permission, call us right away at 1-800-935-9935 for help.

You or your child can request a replacement debit card. Log into the Chase Mobile^® app or chase.com, then select the Chase First Banking account, scroll down past account activity and choose “Replace a lost or damaged card” under “Account services.”

When the return is processed, a refund will be credited to the account and the money will go back to the “Spend anywhere” category.