About Chase First BankingSM
A debit card for kids and teens, managed by parents. Chase First BankingSM and the Chase Mobile® app1 help kids and teens use their debit card and learn good money habits.

Spend
Parents choose where their child can shop
Kids use their debit card to make purchases at stores and online
Save
Parents maintain control over the account
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.
Creating places to spend >
Get started by adding places to spend and moving money to themTransferring money >
Transfer money and complete requests from your childAccount Services >
Add alerts, replace or lock/unlock a card and moreAllowances >
Choose an allowance amount and how often it’s being transferredChores >
Assign a chore and a reward amount for your childFrequently Asked Questions
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 (At participating non-Chase ATMs, fees from Chase and the ATM owner still apply)
- Learn how to manage their money in real-world scenarios
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 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 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
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.
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.”
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.
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.”
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