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Last Updated: 01/21/2026

Chase First Banking

in Checking Accounts from Chase Bank

Last Updated: 01/21/2026

Strongly recommended43 total votes

39 users recommend

3 users are unsure

1 users don't recommend

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Highlights

Community Rating

Strongly recommended

Welcome Offer

$0(Verified 06/21/2024)

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Cashback Rewards

N/A

APY (Annual Percentage Yield)

0%(Verified 02/27/2025)

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Monthly Service Fee

$0(Verified 01/21/2026)

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Number of Reviews

Chase First Banking Review

The Chase First Banking is offered by Chase Bank, a bank founded in 1877 and based in New York, NY. Chase First Banking is available in 48 states and Washington, DC.

Key Takeaways

Exclusively for Chase checking customers.
Designed for children aged 6-17.
0% APY. As with most checking accounts, Chase First Banking does not pay interest.
No monthly maintenance fees. This account does not charge any monthly account fees.
No minimum initial deposit. There is no minimum balance required to open an account online.

Chase First Banking Pros & Cons

Pros

Cons

Available in 48 states and Washington, DC.
Access to physical branches.
Debit card and the option to lock/unlock the card if lost or stolen
Access to a nationwide network of ATMs.

Designed for children aged 6-17 and available to current Chase checking customers only.
Does not earn interest
Does not offer mobile check deposits.
Charges a fee on out-of-network ATM transactions.

Chase First Banking FAQ

Are checking accounts from Chase Bank federally insured?

Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC #628). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Chase First Banking offer?

Chase First Banking is not an interest-bearing account.

What are the account minimums for Chase First Banking?

Chase First Banking does not require a minimum initial deposit.

Chase First Banking Minimums

Description

Minimum Opening Deposit

What fees does Chase First Banking charge?

The good news is that this account does not have a monthly Service Charge.

Chase First Banking Fees

Description

Monthly Service Fee

ATM Fee: In-Network

Starting at $0

ATM Fee: Out-of-Network (within the U.S.)

Starting at $3.00

Overdraft Item Fee

Starting at $0

Returned Deposit Fee (Domestic)

Starting at $12

Card Replacement Fee (Standard Delivery)

Starting at $5

Stop Payment Fee

Starting at $30

Check Image Service

Starting at $0

Foreign Transaction Fee (Debit Card)

Starting at 3%

Returned Deposit Fee (International)

Starting at $12

Does Chase First Banking charge overdraft fees?

No, Chase First Banking does not charge overdraft fees.

What features and perks does Chase First Banking offer?

This account includes the following features:

Fraud monitoring - Chase First Banking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Mobile Banking Services - Chase First Banking allows you to manage your money online or with a mobile app.
Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Chase First Banking?

The customer support email for Chase First Banking is customerdepartament@chase.com.

How do people rate the customer service and user experience of Chase First Banking?

Overall, Chase First Banking is strongly recommended based on community reviews that rate customer service and user experience.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Chase First Banking

Exclusively for Chase checking customers, Chase First Banking helps parents teach their teens and kids about money by giving parents the control they want and kids the freedom they need to learn.

Contact

Headquarters

270 Park Avenue

New York, NY 10017

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 6:00PM

Saturday

9:00AM - 1:00PM

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +88, or 4.8 on a 5-point rating scale.

+88

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Chase First Banking Community Reviews

Would you recommend Chase First Banking to your friends?

Javaris J.

Nov 11, 2023

May or may not recommend

I would recommend this Checking Account any day. Chase has great customer-service and easy to navigate features in the app. I am completely satisfied with service that was provided to me from this bank.

Amanda M.

Nov 5, 2023

May or may not recommend

Hit and run on June 1st, just a passenger, and the police didnt arrest her. I have alot of injuries. The lawyer now out a lein on it, meaning great money. thank you

Saketa B.

Jun 5, 2023

May or may not recommend

My almost 12 year old has had the card for about 2 years. She is learning value of the dollar and has quite a few accounts within this account. She has a college necessity savings and a general savings, she also has a spend anywhere amount and ATM withdrawal amount, all customer set by me! I love it and she loves it. Great start if you want your child to ...Show More

Timothy M.

May 23, 2023

May or may not recommend

Have not got to try just yet, looking forward to it.

Mazhar C.

Nov 25, 2022

May or may not recommend

I opened my first savings account with them when I was a teenager and I think it's an amazing way to teach kids to manage their money. It's nice that there's no account minimum and there's a national ATM network. I would recommend to any parent to get their child an account here when their young.

Steven H.

May 4, 2022

May or may not recommend

Sophonie S.

Apr 22, 2022

May or may not recommend

This bank is great to teach children about saving and the importance of managing their money correctly for their future. I highly recommend!!

Rylie G.

Apr 14, 2022

May or may not recommend

I had this account for a few years and I would recommend it. It did not have a minimum balance which was helpful since I got it when I was in my teens and didn't have a lot of money. It was a good account to have as one of my firsts but it's important to note that parents have to be Chase account holders in order to use this ...Show More

Amanda N.

Apr 1, 2022

May or may not recommend

My son has this for his first checking account. He loves it! I can assign chores in the app and it will pay out his allowance from my account to his. Perfect way for him to learn about money management and he has a debit card.

Natalie L.

Mar 10, 2022

May or may not recommend

The Chase bank is an amazing bank for people who do not have a lot of money to deposit. It is free to open an account and there is no minimum deposit. This is a great idea for people who may not have enough money to pay monthly fees and they also have easy access to cash. The online banking system is easy to use, and all the different applications ...Show More

Yannick M.

Mar 9, 2022

May or may not recommend

Ooh yeah, I use Chase First Banking and it works so perfectly for me. with great features like No minimum deposit to open an account. No monthly service fee. No fees at 16,000 Chase ATMs

Christina B.

Mar 6, 2022

May or may not recommend

this is a great service for children can have a great start in the financial world to increases finances for the future.

Samuel W.

Feb 22, 2022

May or may not recommend

My sister uses this service and has had glowing reviews. I have banked with Chase for years, and this service is great to get a safety net going for kids. Reliable, no minimum, and no monthly fees.

Irem H.

Feb 22, 2022

May or may not recommend

I had used Chase First Banking when I was short on cash in my bank account. It had an affordable minimum to avoid the fees so I used it without any problems for a while then I switched to Chase Total Checking when I had more money. Chase is always very helpful to their customers. Recommended!

Jamie L.

Feb 22, 2022

May or may not recommend

I started my first business with a Chase checking account and have continued my relationship with them throughout the years, and now my son will too!

Jamie L.

Feb 22, 2022

May or may not recommend

I used Chase checking accounts for my very first business and have continued my business relationship with them throughout the years, including opening personal accounts with them. They're trusted and always available to help!

Jillian O.

Feb 17, 2022

May or may not recommend

Chase bank was my first savings account. I remember being so exciting finally getting a job, making money to open up my own account. I never felt as if my funds were at risk of being stolen. Chase bank is super reliable and I recommend this to anyone just starting out looking to have a kids savings account.

Jennifer G.

Feb 16, 2022

May or may not recommend

I opened my first savings account with Chase as a young teenager. I still have it to this day. They are a great bank to open a first savings account with as a child. The best part Is that there is no minimum needed to open and no fees.

Tyra W.

Feb 3, 2022

May or may not recommend

Chase has great kids' accounts. I have one growing up.

Jas T.

Jan 31, 2022

May or may not recommend

Parents and kids listen up, I know managing your funds can be a hassle but chase bank has been my reliable source for some time now. They have various deals with an attentive customer-service line. Your funds are being protected by one of the best banks in our country. My aunt recently opened a savings for my little cousin and she doesn’t regret her decision.

Showing 20 of 43 reviews