You can add an authorized user to most Chase accounts online through the mobile app or website, but the process and what that person can do depends on the account type.

Chase lets you add an authorized user to checking and savings accounts without leaving your phone or computer. An authorized user gets a debit card and can make withdrawals and deposits, but does not own the account — you remain the sole account holder and are responsible for all activity. The steps take about five minutes, and the new card typically arrives within 7 to 10 business days.

If you want to give someone equal ownership of the account instead — meaning they can close it, change terms, or remove you — that requires a different process and usually a trip to a Chase branch or a phone call. That is called adding a joint account holder, and it is not the same as adding an authorized user.

Key Takeaways

  • Adding an authorized user online takes five minutes and gives them a debit card and access to make transactions, but you stay the account owner.
  • The authorized user can see the account balance and transaction history if you give them online access, but cannot change account settings or close the account.
  • If you want to give someone equal ownership, you must call Chase or visit a branch to add them as a joint account holder instead.
  • The new debit card arrives in 7 to 10 business days, and you can set daily spending limits on the authorized user's card before it arrives.

How to add an authorized user through the Chase mobile app

Open the Chase Mobile app and sign in to your account. Tap the account you want to add someone to, then look for a menu icon (three horizontal lines) or a settings option. Select "Manage Account" or "Account Settings" — the exact wording varies by phone type. Look for an option that says "Add Authorized User" or "Manage Users."

Enter the person's full name, date of birth, and Social Security number. Chase will verify this information against their records. If they already have a Chase account, the process is faster. If not, Chase may ask for a phone number and address. You will then choose a card design and set a daily spending limit — this is optional but useful if you want to control how much the person can spend per day.

Review the information and confirm. Chase will send you a confirmation, and the new card will be ordered automatically. You can track the card's arrival in the app under "Card Status" or "Manage Cards."

Adding an authorized user through Chase.com on a computer

Log into Chase.com and select the checking or savings account. Click "Account Settings" or "Manage Account" in the left menu. Look for "Authorized Users" or "Add User" — this section is sometimes nested under "Security" or "Account Management."

Click "Add Authorized User" and enter the person's name, date of birth, and Social Security number. You will be asked to confirm their identity. Set a daily spending limit if you want one, and choose whether to order a physical card or a digital card (digital cards can be added to a mobile wallet immediately).

Submit the request. Chase will send a confirmation email to both you and the authorized user. The physical card ships within 7 to 10 business days.

What an authorized user can and cannot do

An authorized user can withdraw money, deposit checks, make transfers, and pay bills from the account. They can see the account balance and full transaction history. If you give them online access by sharing your login or setting up their own Chase login linked to the account, they can do all of this from the app or website.

An authorized user cannot close the account, change the account name, remove themselves, add other users, change the account type, or dispute transactions on your behalf. Only the account owner — you — can do those things. If the authorized user needs to dispute a transaction, you must initiate it or give them written permission.

If you set a daily spending limit, the authorized user cannot exceed it. The limit applies to all transactions — debit card purchases, ATM withdrawals, and transfers combined.

Setting spending limits and monitoring activity

You can set a daily spending limit before the card arrives or change it anytime after. Open the account in the app or on Chase.com, find "Manage Cards," select the authorized user's card, and tap "Spending Limit" or "Daily Limit." Enter the amount and confirm. The limit resets every day at midnight Eastern Time.

Monitor the authorized user's activity the same way you monitor your own: check the transaction history in the app or on the website. You will see every purchase, withdrawal, and transfer they make. If you see something wrong, you can dispute it or contact Chase to freeze the card temporarily.

Adding a joint account holder instead of an authorized user

If you want the other person to have equal ownership — meaning they can close the account, change terms, or remove you — you cannot do this online. You must call Chase at the number on the back of your card or visit a Chase branch in person.

A joint account holder is legally an owner, not just a user. Both of you are responsible for overdrafts and fees. Both of you can close the account without the other's permission. Both of you can dispute transactions. This is a bigger step than adding an authorized user, and Chase may ask questions about your relationship and why you want to share ownership.

Bring a government-issued ID and be ready to provide the other person's full name, date of birth, and Social Security number. The process takes about 15 to 30 minutes at a branch.

What happens if you want to remove an authorized user

You can remove an authorized user anytime through the app or website without their permission. Open the account, go to "Manage Cards," select their card, and look for "Remove User" or "Deactivate Card." The card stops working immediately, though it can take a few days for the system to fully process the removal.

The authorized user will receive a notification that they have been removed. If they had online access to the account, that access ends. You are not required to tell them in advance, but it is good practice to do so if you have an ongoing relationship.

Frequently Asked Questions

Can I add someone who doesn't have a Social Security number?

Chase requires a Social Security number or ITIN (Individual Taxpayer Identification Number) to add an authorized user. If the person does not have either, they cannot be added online. You would need to visit a branch to discuss other options, though Chase's policy on this varies by situation.

Will adding an authorized user affect their credit score?

No. Adding someone as an authorized user does not create a new credit account in their name, so it does not appear on their credit report or affect their score. The account remains in your name only.

Can an authorized user see my other accounts?

No. An authorized user can only see and access the specific account you added them to. If you have multiple checking or savings accounts, they cannot see the others unless you add them to those accounts separately.

What if the authorized user's card gets lost or stolen?

Contact Chase immediately through the app, website, or phone. You can freeze or cancel the card right away. Chase will not hold you responsible for fraudulent charges made after you report it missing, and the authorized user is also protected under Chase's fraud policy.

Can I add a minor as an authorized user?

Yes, but Chase requires the minor to be at least 13 years old. You remain the account owner and are responsible for all activity. Some parents use this to teach kids about money management while keeping control of the account.