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Chase High School Checking review

This account has some nice features, but the co-signing parent must also use Chase for checking.

Chase High School Checking is a decent student account with a few attractive features. But you can’t open it online and the adult co-signer must also have a Chase checking account. If you currently bank with Chase, this account might be right for your kid, but there are better options out there.

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$0 per month

Fee

N/A

APY

Details

APYN/A
Fee$0 per month
ATMs16,000 ATMs and more than 4,700 branches.
Out-of-network ATM fee$2.50 At a non-Chase ATM, there’s a $2.50 fee, the out-of-network fee is $5 for withdrawals outside the US.
Overdraft fee$34

Review by


Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

The Chase High School Checking account is best for students ages 13 to 17 who have parents that are already Chase customers. It’s free and offers a variety of ways to deposit and withdraw funds.

But you must open an account at a branch, and if you don’t already bank with Chase, you can’t open this account. Also, unlike other accounts such as Alliant Credit Union Free Teen Checking, this one doesn’t earn interest.

If you already have a relationship with Chase, this account could be a convenient option for you, but other checking accounts for high school students offer more attractive features.

How do I open a Chase High School Checking account?

The Chase High School Checking account is one of a few Chase accounts you can’t open online. To open it, you must visit a Chase branch with your kid. You can find the nearest Chase location by visiting Chase’s website and selecting ATM & branch in the navigation menu.

Eligibility

To open this account, your child must be between the ages of 13 and 17, and you must have a qualifying Chase checking account. Chase Secure Checking and other Chase accounts intended for kids and students are not considered qualifying.

Required information

You need to provide the following information when opening the account.

  • Name
  • Date of birth
  • Physical address
  • A primary ID (birth certificate, passport, Social Security card, etc.)
  • A secondary ID (student ID with photo, employer ID with photo, pay stub, etc.)

What are the benefits of Chase’s High School Checking account?

There are several benefits associated with this account.

  • No service fee. This account is free for students from 13 to 17 years old.
  • Added security. It includes fraud monitoring and zero-liability protection.
  • Autosave. If your kid has a linked Chase savings account, they can enable auto-save deposits.

What should I look out for?

This account also has some drawbacks, which could be deal breakers.

  • Must open in a branch. Unlike other accounts, you can’t open this account online.
  • Parents must use Chase. You can’t open this account for your kid if you’re not an existing Chase customer.
  • No overdraft protection isn’t available. Other Chase accounts include overdraft protection, but this one doesn’t. If you make a purchase that exceeds the balance, you’ll pay a $34 fee.
  • Doesn’t earn interest. Some other checking accounts for teens, including ones offered by Axos, Alliant and Capital One, earn interest, but this one doesn’t.
  • Converts to an adult account. Once your child turns 19, the account will convert into a Chase Total Checking® account, which offers many of the same features but requires a $12 monthly fee. Your child can avoid the fee if they receive at least $500 in direct deposits a month or maintain a daily balance of $1,500 in the account or have at least $5,000 across linked Chase accounts.

Chase’s ATM network and fees

This account comes with two debit cards, one for you and one for your kid. Either of you can use your cards to withdraw funds for free from any of Chase’s 16,000 ATMs. If you or your kid use the card at a non-Chase ATM, there’s a $2.50 fee. The out-of-network fee is $5 for withdrawals outside the US. There’s also a $2.50 fee to replace the card if you or your kid lose it.

Compare Chase High School Checking with other checking accounts

Compare the best checking accounts for kids based on fees, features and ATM networks.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Jassby
Finder Rating: 4.2 / 5: ★★★★★
Jassby
N/A
$0
No access to ATMs
Jassby is a virtual debit card for kids, complete with chores and allowance tracking.
Copper
Finder Rating: 4 / 5: ★★★★★
Copper
0.00%
$0
$0
Copper is a digital checking account that teaches your teen healthy money habits through interactive quizzes and an intuitive mobile app.
Axos Bank First Checking
Finder Rating: 3.5 / 5: ★★★★★
Axos Bank First Checking
0.10%
$50
Made for teens ages 13 to 17, this account earns 0.1% APY and has no monthly fees.
Alliant Credit Union Free Teen Checking
Finder Rating: 4.1 / 5: ★★★★★
Alliant Credit Union Free Teen Checking
0.25%
$0
80,000 ATMs for free
$0
No minimum or maximum balance and no monthly service fee.
Capital One Money
Finder Rating: 4.4 / 5: ★★★★★
Capital One Money
0.10%
$0
39,000+ Capital One and Allpoint ATMs nationwide
A teen checking account with zero fees.
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How do I deposit or withdraw my money?

There are several ways to move money into and out of this account.

Deposits

  • ATM deposits. Deposit cash or checks at virtually any Chase ATM.
  • Branch deposits. Fund the account at any Chase branch.
  • Direct deposits. If your kid has a job, their employer can deposit paychecks directly into the account.
  • Mobile deposits. Use the Chase mobile app to deposit endorsed checks into the account.
  • Incoming ACH transfers. Link an external bank and transfer funds into the account at any time.
  • Incoming wire transfers. Receive incoming wire transfers for a $15 fee, but Chase waives the fee if the funds originate from another Chase account.
  • Incoming Zelle transfers. Accept funds using the payment processing platform Zelle.

Withdraw

  • ATM withdrawals. Withdraw funds for free from any of Chase’s 16,000 ATMs.
  • Branch withdrawals. Access your account at any Chase branch.
  • Outgoing ACH transfers. Send funds to a linked external account.
  • Outgoing wire transfers. Send domestic wire transfers for $25 if you initiate them online or $35 if you initiate them at a branch. International transfers cost $50.
  • Outgoing Zelle transfers. Instantly send funds to other Zelle users.

What other checking options does Chase offer?

Chase offers several other checking accounts in case this account isn’t right for you.
  • Chase First Banking. A free, parent-owned savings account for kids ages 6 to 17, but it lacks several basic banking features, including cash deposits, check deposits, direct deposit, ACH transfers, wire transfers and more.
  • Chase College Checking. Intended for college students ages 17 to 24, this no-frills account requires a $6 monthly fee unless you receive direct deposits or maintain a minimum daily balance of $5,000.
  • Chase Total Checking. An everyday checking account with a $12 monthly fee you can avoid by receiving $500 in direct deposits a month or maintaining a daily balance of at least $1,500 in the account or $5,000 across all of your Chase accounts.
  • Chase Secure Banking. A basic checking account with no overdraft fees and a fixed $4.95 monthly service charge.
  • Chase Premier Plus Checking. A checking account that includes rebates for up to four out-of-network ATM fees per month, but it requires a $25 monthly fee unless you maintain an average daily balance of $15,000.
  • Chase Sapphire Banking. Chase‘s premium banking account includes waived ATM fees anywhere in the world plus various other perks, but there’s a $25 monthly fee if you don’t maintain a minimum daily balance of $75,000.
  • Chase Private Client Checking. This first-class checking account includes various perks and waivers, but you can only apply for it at a branch, and there’s a $35 monthly fee if your balance is less than $150,000.

How to contact Chase customer service?

If you have questions or need help with your account, you can contact Chase customer service in the following ways.

  • In person. Visit a local Chase branch to speak with a banker in person.
  • Phone. Call 800-935-9935 for automated and live support with your account.
  • Social media. Send tweets to @ChaseSupport or message the bank via Facebook.

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