Curious kids often ask their parents when they can have their own debit card. The best way to explain how banking works is through a hands on approach. Chase Bank has debit cards for adults and kids. While having a credit card requires having a good credit score and being at least 18 years old, you can get a Chase Debit Card way before 18 years old. 

Kids’ parents or guardians should open a Chase Checking account first and only then can they open an account for the child. Keep in mind that the child should have a social security number.

First Banking account

The account you are looking for is called First Banking account. Kids that are older than 6 years can get their own debit card at Chase. When a child is only 6 years old he can get own debit card. The child’s Debit Card has no annual or monthly fee which is great. The debit card can be used to make purchases at point of sale and online. The Chase debit card allows youngsters to withdraw money from 16,000 Chase ATMs. Also parents can set limits on spending and withdrawing cash. To fund a kiddie debit card, parents can simply transfer money from his own checking account.

Chase High School Checking

If a child is older than 13 years old, the parent can open Chase High School Checking and be a co-owner. The high schooler can even send money using Zelle. After a child turns 19 years old, the child’s checking account turns into Chase Total Checking.

Chase College Checking

When a child goes to college and becomes a student, it may be time to get a Chase College Checking account with a debit card. The debit card at Chase charges no fees for 5 years and until the student is 24 years old.

Chase isn’t the only bank that offers checking accounts for kids. Other banks have similar cards. For example, Capital One Teen Checking has combination of checking and savings account for school age kids.