You can add an authorized user to your Chase checking account online, by phone, or in person at a branch

An authorized user is someone you give permission to use your account — they can make deposits, withdrawals, and transfers using a debit card or online access. Chase lets you add authorized users through your online account, by calling their customer service line, or by visiting a branch in person. The process takes a few minutes, and the new user can usually access the account within one to two business days.

You do not need the authorized user present to add them, though Chase will ask for their full name, date of birth, and Social Security number. If you are adding a minor (under 18), the rules are slightly different — you may need to visit a branch or call, and some Chase accounts designed for minors have their own authorized user structure.

Key Takeaways

  • You can add an authorized user online through Chase's website or mobile app, by phone at 1-800-935-9935, or at any Chase branch.
  • Chase will need the authorized user's full name, date of birth, and Social Security number before adding them to the account.
  • A new authorized user can typically access the account within one to two business days of being added.
  • Authorized users can make withdrawals and transfers, but account ownership and liability remain with the primary account holder.
  • You can remove an authorized user at any time through the same channels you used to add them.

Adding an authorized user online through Chase.com or the mobile app

Log into your Chase account on Chase.com or open the Chase mobile app. Navigate to your checking account and look for a settings or account management option — this is usually labeled "Account Settings," "Manage Account," or "Account Details." Select the option to add an authorized user or card user.

Enter the authorized user's full name, date of birth, and Social Security number. Chase will verify this information and may ask security questions to confirm your identity. Once you confirm, Chase will send a notification to the authorized user (if you provide their email or phone number) and issue a debit card to the address on file for your account. The new user should be able to log in and access the account within one to two business days.

Adding an authorized user by phone

Call Chase customer service at 1-800-935-9935 and tell them you want to add an authorized user to your checking account. Have the authorized user's full name, date of birth, and Social Security number ready. The representative will verify your identity by asking security questions or confirming recent transactions.

Once verified, the representative will add the authorized user and explain when they can expect access and when their debit card will arrive. If you are adding a minor, the representative may ask additional questions about the account type or may direct you to a branch. Ask for a confirmation number or reference number for your records.

Adding an authorized user in person at a Chase branch

Visit any Chase branch with your ID and ask to add an authorized user to your checking account. Bring the authorized user's full name, date of birth, and Social Security number. You do not need to bring the authorized user with you — the branch can process the request with just this information.

The branch representative will verify your identity, confirm the authorized user's details, and issue a debit card on the spot or arrange for one to be mailed to your address. This is the fastest way to get a physical card if you need it immediately. Ask for a receipt showing the authorized user has been added.

What authorized users can and cannot do

An authorized user can deposit money, withdraw cash, make transfers between accounts, pay bills online, and use the debit card for purchases. They can also log into the account online or through the mobile app to check balances and transaction history. However, they cannot close the account, change the account type, or remove themselves or other authorized users.

The primary account holder (you) remains responsible for all activity on the account and any overdrafts or fees. If an authorized user makes unauthorized transactions, you should report them to Chase immediately. Authorized users do not have legal ownership of the account — you do, and you can remove them at any time without their consent.

Removing an authorized user

You can remove an authorized user through the same methods you used to add them: online, by phone, or in person at a branch. Online, go to Account Settings and select the option to manage authorized users, then choose to remove the user. By phone, call 1-800-935-9935 and ask to remove an authorized user — have their name ready. At a branch, ask a representative to remove them from your account.

Once removed, the authorized user loses access to the account immediately. Their debit card will no longer work, and they cannot log in online. If you want to prevent them from using the card before you formally remove them, you can also ask Chase to deactivate the card.

Adding authorized users to accounts for minors

If you have a Chase account designed for a minor (such as a Chase First Banking account), the process for adding authorized users may differ. Some minor accounts allow a parent or guardian to be added as a co-owner rather than an authorized user, giving them full control. Others allow authorized users in the traditional sense.

Call Chase at 1-800-935-9935 or visit a branch to ask about the specific rules for your account type. If you are the parent or guardian of a minor account holder and want to manage the account yourself, ask whether you should be added as a co-owner instead of an authorized user — this gives you clearer legal authority over the account.

Frequently Asked Questions

Can I add an authorized user if I do not have their Social Security number?

Chase requires a Social Security number to add an authorized user. If you do not have it, ask the person for it before you start the process. If they refuse or you cannot obtain it, you cannot add them as an authorized user through Chase's standard process.

Will the authorized user see my account balance and transaction history?

Yes. Authorized users can log into the account online or through the mobile app and see the full balance, all transactions, and account details. If you want to limit what they see, you cannot do so through Chase — you would need to manage access through your own security practices, such as not sharing login credentials.

Can an authorized user remove themselves from the account?

No. Only the primary account holder can remove an authorized user. If an authorized user wants to leave the account, they must ask you to remove them, or they can simply stop using the account and card.

How long does it take for an authorized user to receive their debit card?

If you add the authorized user online or by phone, the debit card is usually mailed within three to five business days to the address on file for your account. If you add them in person at a branch, you may receive a card immediately or it may be mailed, depending on the branch's inventory. Ask the representative when to expect it.

What happens if an authorized user makes a purchase I did not approve?

You are responsible for all transactions on the account, including those made by authorized users. If you believe a transaction was unauthorized or fraudulent, report it to Chase immediately by calling 1-800-935-9935 or through your online account. Chase will investigate, but you may need to remove the authorized user to prevent further unauthorized use.