Chase First Banking℠ review

This free kids bank account lets you assign chores, manage allowances, set savings goals and more.’s rating: 4.3 / 5.0


Chase First Banking is a kids bank account powered by Greenlight — one of the most popular kids’ cards on the market. It gives parents and kids a way to manage chores, track allowances, set savings goals and more. But parents must have an existing Chase checking account to get started.

$0 per month





Minimum deposit to open


Fee$0 per month
Minimum deposit to open$0
ATMs16,000 ATMs nationwide
ATM transaction fee$0
Out-of-network ATM fee$3
Foreign transaction fee3%
Learn moreApply now

Review by

Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

Chase First Banking is best for kids age 6 to 17 who are ready to start developing healthy money habits. The account is powered by Greenlight, which is a kids debit card platform that’s known for its ease of use and flexible parental controls.

With Chase First Banking, parents can create chores, pay allowances and closely monitor their child’s spending. Kids can earn money by completing chores, set savings goals and spend their money using their Chase First Banking debit card.

This account doesn’t have any monthly fees, which is rare for a kids debit card. Most accounts, including Greenlight, have monthly fees of $4.99 or more.

The downside? Parents must have an existing Chase checking account to qualify and there are limited ways to access money. If you still want to sign your kid up for the account, you can open an account like Chase Total Checking to get started.

But if your child is old enough to earn a paycheck, they may want an account that supports direct deposits, remote check deposits and peer-to-peer transfers. If that’s the case, consider a teen checking account that comes with more features.

How do I open a Chase First Banking account?

You must have an existing Chase checking account to open the Chase First Banking account for your kid. Once you have one, follow these six steps:

  1. Select Apply now.
  2. Click Open an account.
  3. Click Yes when asked if you’re a Chase customer.
  4. Log in to your account using your username and password.
  5. Follow the steps to fill out your child’s application, confirm your information and link your existing Chase account.

Your child’s debit card will arrive in the mail within seven to 10 days of account opening.


You must meet these eligibility requirements to open a Chase First Banking account:

  • Existing Chase checking account customer
  • Child is between the ages of 6 and 17.
  • Adult and child must have the same residential address

Required information

Have this information ready when you open a First Banking account:

  • Adult’s full name, residential address and date of birth
  • Adult’s Social Security number
  • Child’s full name, residential address and date of birth
  • Child’s Social Security number
  • Login credentials for existing Chase checking account

What Chase checking account do I need to be eligible for Chase First Banking?

You’re eligible for a Chase First Banking account if you have one of these checking accounts:

  • Chase Secure Checking. Designed for those who need help avoiding overdrafts, the Chase Secure Checking account has a fixed $4.95 fee and declines any purchases that would bring your balance below $0.
  • Chase Total Checking®. New customers can take advantage of a $200 signup bonus and a waivable $12 monthly fee with a Chase Total Checking account .
  • Chase Premier Plus Checking. New customers can usually find a $300 sign up bonus with the Chase Premier Plus Checking account. The account earns 0.01% APY and the $25 monthly fee is waived with a minimum $15,000 balance, military affiliation or a Chase mortgage.
  • Chase Sapphire Checking. The Chase Sapphire Checking account has a $25 monthly fee that’s waived when you maintain an average daily balance of $75,000 or more in all your linked Chase accounts.
  • Chase Private Client Checking. The Chase Private Client Checking account comes with personalized services, has no monthly fees and is for those who keep at least $150,000 in Chase accounts.

What are the benefits of Chase First Banking?

The Chase First Banking account teaches your kid the importance of spending, saving and earning — all from the Chase mobile app. It also comes with these benefits:

  • No monthly fee. The Greenlight platform costs $4.99 a month, but Chase customers get to use this highly-rated kids debit card for free through the Chase mobile app.
  • Supports chores and allowances. Parents can assign chores and pay one-time or recurring allowances. Kids can track their chore progress and put money toward specific goals.
  • Flexible parental controls. Set limits for ATM withdrawals and spending and get real-time alerts when your child makes a purchase.
  • Real-time requests. If your child is out and is short on cash, they can send you a real-time request for more funds. Once approved, funds are instantly transferred for free.
  • Doesn’t convert to another account. Most kid’s checking accounts convert to an adult account once they turn 18. But we spoke to a customer rep who told us that nothing happens to the account once they turn 18. They can continue using it if they want to.

Chase’s ATM network and fees

The Chase First Banking account comes with a debit card that gives your child free access to 16,000 ATMs nationwide. But if you use a domestic non-network ATM, you’ll pay $3. For international out-of-network ATMs, you’ll pay $5 per withdrawal, plus $3 for transfers or inquiries.

What should I look out for?

The Chase First Banking account has these potential drawbacks:

  • Requires eligible account to open. You must have an existing Chase checking account to open a Chase First Banking account for your child.
  • Doesn’t support digital wallets. At this time, your child can’t link their Chase First Banking debit card to Apple Pay or Google Pay.
  • Can’t be managed by multiple parents. Only one parent can open and manage a Chase First Banking account. It can’t be co-managed by two parents unless you’re willing to share login information.
  • Usage restrictions. Your child can’t use their debit card for peer-to-peer transactions like Zelle, Venmo, PayPal or Cash App. They also can’t set up direct deposit, remotely deposit checks or send wire or ACH transfers.

Is Chase First Banking safe?

Yes. Chase First Banking uses secure technology to protect your data. For example, Chase complies with federal standards to prevent unauthorized access or use of your personal information. And internally, it has computer safeguards, as well as building and file security, that only permits authorized employees to access necessary information about your child.

Chase First Banking also grants parents additional control over the Chase First Banking debit card via its website or mobile app. Conveniently lock or unlock the card as needed and create limits for debit card spending and ATM withdrawals right from your account.

Compare Chase First Banking with other checking accounts

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee Offer
Finder Rating: 4.5 / 5: ★★★★★
You can withdraw money from our network of 30,000 ATMs for free.
Earn $1 for every person that joins using your unique link or code. They'll also get $1
Step banking accounts help teens and kids as young as age 6 to learn to manage money manage their money while building their credit scores.
Finder Rating: 4 / 5: ★★★★★
Copper is a digital checking account that teaches your teen healthy money habits through interactive quizzes and an intuitive mobile app. The teen also receives a free $5 when signing up and completing the savings goal.
Axos Bank First Checking
Finder Rating: 3.5 / 5: ★★★★★
Axos Bank First Checking
Made for teens ages 13 to 17, this account earns 0.1% APY and has no monthly fees.
Finder Rating: 4.2 / 5: ★★★★★
No access to ATMs
Robust financial literacy platform. Parental control and notifications. Auto-fund and auto-allowance capability
Nationwide First Checking
Nationwide First Checking
No access to ATMs

Compare up to 4 providers

How do I deposit or withdraw my money?

Because it’s designed for kids, this account doesn’t give you many options when it comes to accessing your money:


  • Transfer from a qualifying Chase checking account


  • At an ATM
  • Cash back at retailer
  • Transfer to a qualifying Chase checking account

What other checking options does Chase offer for kids?

Chase offers two checking accounts for high school and college students:

  • Chase High School Checking. Geared toward teens ages 13 to 17, this joint account is shared with a guardian and has no monthly fees.
  • Chase College Checking℠. Designed for college students, this account has a $6 monthly fee that’s waived for up to five years while you’re in school.

Frequently asked questions

Kids’ debit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top debit cards for kids and rate them one to five stars based on factors that are most important to you. We rate kids’ checking accounts by these factors: Monthly fee, features, ATM access, customer support options, and availability. We also consider APY as a factor only for those that earn interest. We rate prepaid debit cards for kids by these factors: monthly fees, features, customer support options and account availability.

Read the full methodology of how we rate Kids’ debit card accounts.

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