Chase High School Checking Account

High school students can now experience banking and money management with their parents or guardians as co-owners.

securely on the bank's website

With parents/guardians as co-owners, high-school students can open a Chase High School CheckingSM, and get a glimpse into financial independence from an early age.

Not only will students be able to learn about money management, and banking thanks to resources provided by Chase, but they will also get a unique opportunity to master their own decision-making when it comes to personal finances, including daily spending and savings. With free digital banking tools, high-school students will easily keep track of their financial history, monitor their balance, and set up alerts for more control.

Additionally, if interested, students can open a Chase SavingsSM account, and have it linked to their checking as overdraft protection. This means that, if a student ever goes overdraft, they will not be charged any hefty overdraft fees, as Chase will transfer money from their savings to their checking to cover the overdrawn amount.

With the possibility to open a savings account - also without any monthly fees - and later switch from High School CheckingSM to another Chase checking account as smoothly as possible, this student checking account is quite a deal.

Checking account details

Checking account fees

  • Monthly Fee
  • APY
  • Minimum Deposit to Open
  • Out-of-Network ATM Transaction Fee
  • Out-of-Network ATM Withdrawal Fee
    $2.50 ($5 outside the U.S., Puerto Rico, and the U.S. Virgin Islands)
  • Overdraft Fee
  • Non-Sufficient Funds Fee
  • Foreign Transaction Fee

Chase High School Checking Account FAQ

1. How do I open a Chase High School Checking account?

You can open it by visiting a Chase branch in your area, together with your parent or legal guardian. Since your parent/guardian will be the co-owner, s/he must already have a Chase checking account.

2. What documents do I need to provide to open a Chase High School Checking account?

You need to bring at least one primary ID, and one secondary ID.

3. What are primary and secondary IDs?

Primary IDs can be birth certificates, a valid U.S. driving license, passport, social security card or state-issued ID. All documents, when possible, should include your photo.

Secondary IDs serve to "identify you twice" -> confirm your identity alright, so these might be documents, such as your student ID, employer ID, pay stubs, and alike. Again, whenever possible, an ID should contain a photo of yours.y

4. How old do I need to be to open a Chase High School Checking account?

You need to be between 13 and 17 years old to be eligible for the Chase High School CheckingSM.

5. Why do I need to have a co-owner to be able to open a Chase High School Checking?

Well, Chase requires a co-owner simply because you're a minor!

So, when you decide to visit your local Chase branch, your parent or guardian must accompany you. They should already have a checking account with Chase. All Chase checking accounts are eligible to be linked to your High School CheckingSM account, except for Chase High School Checking, Chase College Checking, and Chase Secure Checking.


6. Can non-U.S. students open a Chase High School Checking account?

Yes, non-U.S. students can open it in any Chase local branch. A non-U.S. student needs to bring their passport with photo, together with the Student INS I-20 or ICE I-20 form or the DS-2019 form. A parent or legal guardian should accompany the student, as well.

7. When I turn 18, will my High School Checking convert to Chase College Checking?

No, it will convert to Chase Total ® account. Once that's happened, you will also receive a new Chase debit card. Your parent or guardian will remain a co-owner of the Total Checking, unless you decide to remove them.

8. Is there a possibility to switch to Chase College Checking?

Yes, once you've turned 17, you can change your checking account to College CheckingSM by seeing a banker at your local Chase branch. You'll need to provide a proof of college/university student status (for example, a transcript or acceptance letter), and expected graduation date.

9. Is Chase Overdraft Protection available?

No, Chase Overdraft Services, including Chase Debit Card CoverageSM aren't offered with this checking account.

There may be several reasons for this: primarily, it's because your parent/guardian has your High School Checking linked to their Chase checking, meaning they will be the ones to pay if you ever overdraw your account. Secondly, if you decide to open a Chase SavingsSM account in addition to a CHase High School CheckingSM, your savings will serve as overdraft protection.

10. What is Chase Savings?

Chase SavingsSM is a savings account, which helps you save money while in college or afterward. Its $5 monthly fee can be waived if you:

  • keep a balance of $300+ in your savings account at the beginning of each day, OR
  • have $25 or more in total Autosave or other repeating automatic transfers from your personal Chase checking account or Chase Liquid® Card (available only through or Chase Mobile®), OR
  • link your Chase College CheckingSM account to this account for Overdraft Protection, OR
  • have an account owner who is an individual younger than 18, OR
  • Have a linked Chase Better Banking® Checking, Chase Premier CheckingSM, Chase Premier Plus CheckingSM, Chase SapphireSM Checking, or Chase Private Client CheckingSM account.

So, as a student, all you need to do to have the monthly fee waived is link your College CheckingSM to your Chase SavingsSM account. This way, you'll be covered in case of an overdraft, as, instead of being charged a fee, Chase will pull the money from your savings account, and transfer it to your checking.

Check Out Other Products From Chase
Bank Monthly Service Charge Minimum Deposit to Open APY
Chase Total Checking® Account $12 (can be waived) $0 0.00%
Chase Premier Plus Checking Account $25 (can be waived) $0 0.01%
Chase Sapphire Checking Account $25 (can be waived) $0 0.01%
These Checking accounts might also interest you
Bank Monthly Service Charge Minimum Deposit to Open APY
Comerica Bank Rich Rewards® Checking Account $18 (can be waived / reduced) $50 0.01%
Comerica Bank Premier Checking Account $22 $50 0.01%
Comerica Bank Comerica Platinum Circle Checking® $0 $50 0.10% / 0.25%