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Chase High School Checking
3.5
★★★★★
Finder score

Chase High School Checking isn't available on Finder right now.

Fee
$0 per month
Minimum deposit to open
$0
The information about Chase High School Checking has been collected independently by Finder and has not been reviewed or provided by the issuer.

Our verdict

An account designed for teenagers — with parental supervision.

The Chase High School Checking account is best for students ages 13 to 17 whose parents are existing Chase customers. It has no monthly fees or opening deposit requirements and provides multiple methods for depositing and withdrawing funds. Both the teen and their parent or guardian must visit a Chase branch together to open the account, which is a bit of a pain, especially since many other options offer online signups. Additionally, the parent or guardian acting as the co-owner must have a qualifying Chase checking account linked to the High School Checking account.

Best for: Students aged 13 to 17 whose parents have a Chase checking account.

Pros

  • Designed for ages 13 to 17 years old
  • $0 monthly and no overdraft fees
  • Auto-save deposits with Chase savings
  • Automatically converts to adult account at 19

Cons

  • Must open in a branch
  • Parent or guardian must have an eligible Chase account

In this guide

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  • Your reviews
  • Ask a question

What we like about Chase High School Checking

The High School Checking account can be a great introduction to real checking with a traditional bank. And, of course, Chase is FDIC insured, so its deposit accounts are protected up to $250,000.

Chase is also the largest bank in the US by assets, serves over 80 million customers and has one of the biggest physical presences in the states, with over 4,700 branches. Having so many branches is especially important, considering you must open the High School Checking account at a physical branch.

No monthly fees

Since most teenagers don’t have a steady income, we’re glad to see this account has no monthly fees. The maintenance fees don’t fall on the parent, either. Most kids’ debit cards, such as Greenlight or Acorns Early, charge a monthly fee.

Converts into an adult account

Once the teen turns 19, the Chase High School Checking account automatically converts to a Chase Total Checking account.

The Chase Total Checking account has a $12 monthly fee, but you can waive it by meeting balance requirements or receiving at least $500 in direct deposits each month.

Management in the Chase app

The parent or guardian who is the co-owner of the account can monitor the teen’s account in the Chase app. Parents can also set up account alerts, and teens can add the debit card to their mobile wallet.

Unlike a lot of kids’ debit cards, the Chase High School Checking account accepts direct deposit and mobile check deposit. Chase is also integrated with Zelle, so teens can send or receive money through the popular peer-to-peer payment service.

Link with Chase Savings

Just like with other Chase checking accounts, you can link the Chase High School Checking with the Chase Savings account for auto-saving. Additionally, account holders under the age of 18 don’t have to pay the Chase Savings monthly fee.

Where it falls short

If you don’t live near a Chase branch, you may need to travel to open this account.

Alternatively, there’s also the Chase First Banking account to consider. That account is available to children ages 6 to 17, and you can open it online. But just like the high school account, Chase First Banking requires a parent or guardian to have an eligible Chase checking account.

The Chase High School Checking is also more designed for teenagers aged 13 to 17. If your kiddo is under 13, you’ll have to check out the Chase First Banking account or other options.

Chase High School Checking’s fees and access

Type of feeFee details
Monthly service$0
Opening deposit$0
ATMs
  • Domestic: $0 with Chase ATMs, $3 out-of-network fee
  • International: $5 per withdrawal, $3 for inquiries or transfers
Debit card fees
  • Cash withdrawals: $0 with Chase ATM
  • Foreign transactions: 3% after conversion to US dollars
  • Card replacement: $0
Overdraft or nonsufficient funds$0, declines transactions that would overdraft
Wire transfers
  • Incoming:
    • Online domestic: $25
    • Domestic: $15
    • International: $15
  • Outgoing:
    • Online consumer USD international: $40
    • Online consumer FX international: $5 if amount is $5,000 or less
    • Domestic: $35
    • International: $50

Incoming wires are $0 if wire was sent with help of a Chase banker or using Chase.com or Chase Mobile

Other feesMoney order: $5 per check

Compare Chase High School Checking to other kids’ accounts

Narrow down top savings accounts by APYs, fees and features. Select Compare on up to four accounts for a side-by-side comparison.

Name Product USFSA-PPC Fee Age requirements Features Offer
Acorns Early (formerly GoHenry)
Finder Score: 4.3 / 5: ★★★★★
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  • Automate allowance & instantly send money to your child
  • Optional parent-paid savings interest
  • Spending controls & limits
  • $5/month after Finder exclusive free trial
Get 2 months free and $10 allowance when you sign up to Acorns Early with Finder's exclusive code: AFFUSFDR10.
Greenlight
Finder Score: 4.6 / 5: ★★★★★

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$5.99 per month
Any age
  • Spend, save & invest
  • Chores & allowance tools
  • Spending controls & limits
  • Instantly send money to your child
  • Up to 5% savings rewards
Modak
Finder Score: 3.8 / 5: ★★★★★
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$0 per month
Any age
  • Kids complete challenges for cash-convertible rewards
  • Parent Portal to manage chores, allowance, and savings
  • Multiple funding options
Current teen banking
Finder Score: 4.8 / 5: ★★★★★
Current teen banking
$0 per month
Any age
  • Automatic savings round-ups
  • $0 monthly fee
  • Spending limits and parent notifications
  • Instant transfers to your teen
    • Parent Current account required
FamZoo
Finder Score: 3.6 / 5: ★★★★★
Free trial
FamZoo
$5.99 per month
Any age
  • Parent-paid interest
  • No foreign fees
  • Real-time cash requests
One month free trial. After your one-month trial, plans start at just $5.99/month for the whole family. First 4 prepaid cards free.
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How to open Chase High School Checking

The Chase High School Checking account requires a parent or guardian to be a co-owner of the account and maintain an eligible Chase checking account to link to it.

Both an adult and the teen must visit a physical Chase branch to open this account, and both must have a form of identification, such as a birth certificate, driver’s license or social security card. Students can use their student ID if it has a photo.

Eligible Chase checking accounts you can link to the High School Checking account include:

Ineligible Chase accounts include:

  • Chase High School Checking
  • Chase College Checking
  • Chase Secure Checking
  • Chase First Checking

Customer reviews and ratings

BBB accreditedNo
BBB ratingA+
BBB customer reviews1.12 out of 5 stars, based on 871 customer reviews
Customer reviews verified as of11 November 2024

JPMorgan Chase is the largest bank in the US, so there’s no shortage of customer feedback.

To no one’s surprise, the majority of Chase’s feedback is negative. On the Better Business Bureau (BBB) and Trustpilot, most customers report account issues, troubles with deposits, inaccurate fraud alerts and poor customer support. Many also report issues with credit cards or loan services.

Among review platforms and Reddit, the most common sentiment appears to be that Chase has a variety of accounts, which is good, but its savings products are not competitive. We tend to agree, seeing as Chase’s CDs and savings accounts consistently are below national averages and are blown out of the water by other banks. When it comes to credit cards, Chase is hard to beat, but you’re more likely to get significantly higher APYs for savings at other institutions.

What do people on Reddit say?

There are numerous threads about Chase on Reddit. One, in particular, titled “Is Chase worth banking with in 2023?” posted on r/Chase has quite a few comments. One Redditor says they are a Chase Private Client banker and believes Chase offers great support. Some customers praise Chase’s credit cards, but they aren’t fans of Chase’s low APYs on savings products. A few comments also compare Wells Fargo to Chase, with more saying Chase is a better option. Additionally, one commenter mentioned they left Chase to bank with a credit union but ultimately switched back since Chase’s app was much better.

Frequently asked questions

Does Chase use Zelle?

Yes, Chase is integrated with Zelle. In fact, the company that owns Zelle, Early Warning Services, is partially owned by Chase.

Does Chase issue personal loans?

No, Chase does not issue personal loans — but there are plenty of banks that do.

Does Chase give you $300 for opening an account?

Chase does offers account bonuses, but the $300 bonus is for the Chase Total Checking account as of November 2024, and you earn this bonus after meeting certain requirements. There’s also the Chase College Checking account bonus of $100 after meeting requirements.

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Bethany Finder

Editor, Banking

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