How to Open a Chase Bank Account for Your Child

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Yes, you can open chase bank account for your child, and it’s a smart move if you want to help them learn about money early. Chase offers accounts made just for kids and teens. You get tools to set spending limits, monitor transactions, and even assign chores with payments. Many parents open chase bank account for a minor because it gives children a debit card in their own name and lets you teach them about saving, earning, and spending in a safe way. Here are some reasons families choose chase:

• You manage allowances and set up alerts for every purchase.
• Kids ages 6-17 can get their own account, with a focus on ages 6-12.
• There’s no monthly service fee, so it’s budget-friendly.
• You need a qualifying chase checking account to open a bank account for your child, which keeps things secure.

You’ll find the process simple, and chase gives you the control you need as your child learns about money.

Key Takeaways

• You can open a Chase bank account for children ages 6 to 17, with parents managing accounts for younger kids and teens having some control.
• Chase offers special accounts with no monthly fees, debit cards for kids, and tools to set spending limits and track allowances.
• Opening an account for a child requires visiting a Chase branch with your child and bringing IDs, Social Security numbers, and proof of address.
• Parents get strong controls to monitor spending, set alerts, and help kids learn money skills safely using the Chase app.
• Starting a Chase account for your child helps teach saving, budgeting, and responsible spending early, building a strong financial foundation.

Open Chase Bank Account for a Minor

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Eligibility and Age Limits

If you want to open chase bank account for your child, you need to know the age rules. Chase sets a minimum age of 17 for someone to open a chase checking account on their own. Your child also needs a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). If your child is younger than 17, you must open a bank account for a minor with yourself as the owner or co-owner. This means you stay in control while your child learns about money. You can open a joint chase account with your teen if they are between 13 and 17. For kids ages 6 to 12, you manage everything, but your child still gets their own debit card and account features.

Tip: Always bring your child’s ID and your own when you visit a branch to open chase bank account for a minor. This helps speed up the process.

Chase Checking Account Options

Chase offers several types of accounts for young people. Each chase checking account has its own age range and features. Here’s a quick look:

When you open chase bank account for a minor, you might wonder about the minimum amount needed to open a chase checking account. Good news—Chase does not require a minimum deposit for these accounts. You can start with any amount that fits your budget.

Let’s compare the two main options for kids and teens:

You can see that Chase First Banking is best for younger kids who need more guidance. Chase High School Checking gives teens more freedom but still keeps you involved. Both options help you teach your child about money in a safe way. If you want to open chase bank account for a minor, these choices make it easy to get started.

Requirements to Open a Chase Bank Account

Opening a Chase account for your child is pretty straightforward, but you need to bring the right documents. Chase wants to make sure you and your child are who you say you are. Let’s break down the requirements to open a Chase bank account so you can get everything ready before you visit a branch or start the process online.

Parent or Guardian Documents

As the parent or guardian, you play a big role in opening the account. Chase will ask you for several forms of identification. Here’s what you should have on hand:

1. A government-issued photo ID, like your driver’s license or passport.
2. Your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
3. If you’re opening the account online, you’ll need to upload digital copies of these documents.
4. You must be present with your child if you open the account in person, since Chase needs to verify both of your identities.
5. Requirements can change depending on the branch or the type of account, so it’s smart to check with your local Chase branch before you go.

Tip: Double-check the expiration dates on your IDs. Expired documents can slow down the process.

Child’s Documents

Your child also needs to provide identification. The documents needed to open a Chase bank account for a minor are a bit different from what adults need. Here’s a list of what you might need for your child:

• Birth certificate (especially for younger children)
• Social Security card
• Passport with a photo
• State-issued ID or driver’s license (if your child has one)

Chase usually asks for at least one form of ID for your child. If your child is very young, a birth certificate and Social Security card work best. For teens, a school ID with a photo can sometimes help, but always bring the main documents first.

Proof of Address

Chase also needs to see where you and your child live. Proof of address is a key part of the requirements to open a Chase bank account. You can use:

• A recent utility bill (like water, gas, or electric)
• A mortgage statement or lease agreement
• A bank or credit card statement

The proof of address should show your name and your current address. If your child’s name is on any of these documents, bring that too. If not, your address as the parent or guardian is usually enough.

If you or your child are not U.S. citizens, Chase may ask for extra documents. You’ll need a government-issued photo ID and proof of your U.S. address. If you don’t have a Social Security Number, you can use an ITIN. Requirements can change, so it’s always a good idea to call your local branch for the latest information.

Note: Both you and your child must be present with your documents if you’re opening the account in person. This helps Chase keep everyone’s information safe.

Getting these documents together before you start will save you time and make the process smoother. Chase wants to keep your child’s account secure, so they take these steps seriously. Once you have everything ready, you’ll find that meeting the requirements to open a Chase bank account is simple.

How to Open a Bank Account at Chase

Opening a bank account for your child at Chase can feel like a big step, but the process is clear and manageable. You have two main ways to start: online or in person at a branch. Let’s walk through both options so you know what to expect and how to make the account opening process as smooth as possible.

Open a Bank Account Online

You might want to open a bank account online because it sounds fast and easy. For adults, Chase makes online account opening simple. You fill out the Chase bank account application form, upload your documents, and get started in just a few minutes. Most adults can finish the online application in about 10 to 15 minutes if they have all their information ready.

However, if you want to open a bank account for a minor, Chase does not allow you to complete the process online. Minors under 18 cannot open a Chase account online, even with a parent or guardian. Chase requires you to visit a branch for joint accounts or accounts for children. This rule helps keep your child’s information safe and ensures that both you and your child are present for verification.

If you are opening an account for yourself and you are over 18, you can use the online application. You will need a valid Social Security Number, a government-issued photo ID, and proof of address. For minors, you should use the online system to schedule an appointment at your local branch. This step saves you time and helps you avoid waiting in line.

Note: You cannot open a joint account or a custodial account for a minor online. Always plan to visit a Chase branch for these accounts.

Open a Bank Account In-Branch

For most parents, the best way to open a bank account for a child is to visit a Chase branch. The in-branch process is straightforward and gives you a chance to ask questions and get help from a Chase banker. Here’s what you can expect:

1. Choose the right account for your child. Think about features like parental controls, fees, and access.
2. Gather all the documents you need. Bring your government-issued photo ID, your Social Security Number, and proof of address. For your child, bring their birth certificate, Social Security card, and any other ID they have.
3. Visit your local Chase branch together. Both you and your child must be present.
4. Meet with a banker and fill out the application. The banker will help you complete the account opening process and answer any questions.
5. Make your first deposit. Chase does not require a minimum deposit for kids’ accounts, but you can start with any amount that works for your family.
6. Set up parental controls, alerts, and notifications. This step helps you monitor your child’s spending and keep the account secure.

The in-branch process usually takes about 30 to 45 minutes, depending on how busy the branch is and how many questions you have. Scheduling an appointment online before you go can help you save time.

Tip: Bring all your documents and your child’s documents to avoid delays. If you forget something, you may need to come back another day.

Application Tips

You want the account opening process to go smoothly. Here are some tips to help you get started and avoid common problems:

• Involve your child in the application. Let them see how the process works. This helps teach financial responsibility from the start.
• Double-check that you have all the required documents. Missing paperwork is the most common reason for delays.
• Know which type of account you want. Chase offers joint accounts and custodial accounts. Joint accounts let both you and your child use the account. Custodial accounts give you full control until your child turns 18.
• Ask about debit cards. Chase allows children as young as six to have a debit card with parental controls.
• Use Chase’s online and mobile banking tools. These features make it easy to monitor spending, set limits, and transfer money.
• Make sure you fund the account. You can deposit cash, write a check, or transfer money from another account.
• If you have questions, ask the banker. Chase staff can guide you through the application and help you set up features like alerts and spending limits.

Remember: Chase provides resources and guidance for parents and kids. Take advantage of these tools to help your child learn about money in a safe environment.

Opening a bank account at Chase for your child is a great way to start teaching money skills. The process is simple if you prepare ahead of time and know what to expect. Whether you start online or go straight to a branch, you will find that Chase makes the account opening process easy for families.

After Opening

Set Up Online Access

Once you open your child’s chase account, you want to set up online access right away. This step lets you and your child check the account from anywhere. You can use the chase mobile app or the chase website. The app makes it easy to see balances, review recent transactions, and move money between accounts. Your child can log in with your help and learn how to use online banking safely. You can also set up alerts so you know when your child spends money or gets a deposit. If you ever need help, chase offers support both online and at the branch.

Tip: Show your child how to use the chase app. Walk through each feature together so they feel confident using online tools.

Parental Controls

Chase gives you strong parental controls to help you guide your child’s spending. You manage the chase First Banking account through the chase mobile app. Here are some features you can use:

• Set spending limits for your child’s debit card.
• Restrict where your child can spend money.
• Create account alerts to track spending.
• Limit ATM withdrawals.
• Schedule recurring deposits, like weekly allowances.
• Help your child set savings goals and watch their progress.
• The account links to your chase checking account for easy transfers.
• Some features, like paper checks and linking to Venmo or PayPal, are not available.

These controls help you keep your child’s chase account safe while they learn about money.

Teaching Money Skills

You can use your child’s chase account to teach real-world money skills. Give your child hands-on experience by letting them manage small amounts of money. Set up savings goals in the chase app and encourage your child to track their progress. Use the online tools to automate allowance payments or pay for chores. As your child shows responsibility, you can increase their spending freedom. The chase debit card works for online shopping, in stores, and at ATMs, so your child learns how to use money in different ways. With no monthly fees for qualifying chase accounts, you can focus on teaching without worrying about extra costs.

Note: The chase account gives you a safe, controlled space to help your child build smart money habits for life.

Benefits of a Chase Checking Account for Kids

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Financial Education

You want your child to learn about money early. A chase checking account gives you the perfect tool for this. When you open an account, your child gets a debit card and access to a mobile app. This setup helps your child practice saving, spending, and budgeting in real life. You can set up savings goals together and track progress right in the app. Many parents use the chase account to pay allowances or reward chores, which makes learning about money fun and hands-on. You also get to guide your child by setting spending limits and approving money requests. This way, your child learns to manage money with your support. The chase account has no minimum deposit or monthly fees, so you can start teaching money skills without extra costs.

Tip: Start conversations about money at home. Use the chase app to show your child how to check balances and set savings goals.

Security Features

Keeping your child’s money safe matters. Chase gives you strong security features that help you protect your child’s account. You can set alerts for every transaction, so you always know when your child spends money. The chase debit card lets you control where and how much your child can spend. If your child loses the card, you can lock it right away using the app. Chase also offers free ATM withdrawals at over 15,000 locations, which means you avoid extra fees. The account links to your own chase checking account, so you can transfer money safely and quickly. These features give you peace of mind while your child learns to use money.

Account Management Tools

Managing a chase account is easy for both you and your child. The chase mobile app lets you monitor spending, set up chores, and pay allowances with just a few taps. You can create savings goals and track them together. The app sends real-time alerts for every purchase, so you stay informed. Parents can set spending limits and control where the debit card works. The chase network includes over 4,700 branches and 16,000 ATMs, making it easy to access your money. Here’s a quick comparison of chase features with other banks:

You only need one qualifying chase checking account to open a child’s account. The tools help you teach, monitor, and support your child’s financial journey every step of the way.

Opening a chase account for your child is simple and rewarding. You just need to gather your documents, pick the best chase account, and visit a chase branch together. Early financial education with chase helps your child build money skills, set savings goals, and learn smart habits. Chase gives you strong parental controls and tools like The Quest to make learning fun. You can compare chase account options, manage allowances, and track progress in the chase app. Start your child’s journey with chase today and give them a strong financial foundation.

FAQ

Can you open a Chase account for a child online?

You cannot open a Chase account for a minor online. You need to visit a Chase branch with your child and bring the required documents. This helps Chase verify your identities and keep your child’s information safe.

What is the minimum age for a child to get a Chase debit card?

Chase lets you open a First Banking account for children as young as six. Your child gets a debit card with parental controls. Teens ages 13 to 17 can get a debit card with a High School Checking account.

Do you need a Chase account to open one for your child?

Yes, you must have a qualifying Chase checking account before you can open a child’s account. This links your accounts and lets you manage your child’s money easily.

What happens when your child turns 18?

When your child turns 18, you can help them switch to a regular Chase checking account. The bank may remove parental controls. Your child will manage their own account and debit card.

Opening a Chase account for your child is a great first step in financial education. But as your child grows and begins to travel, study, or spend internationally, you will need a solution that goes beyond domestic banking. This is where BiyaPay steps in.

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Take the next step toward preparing your child for a global financial future. Start today with BiyaPay.