To get a Chase debit card you need a Chase checking account, a government-issued photo ID, and a Social Security number or ITIN. Chase issues a Visa debit card automatically with every checking account — there is no separate application and no minimum deposit.
Chase Debit Card Eligibility Requirements
| Requirement | Details |
|---|---|
| Account type | Chase checking account (any type) |
| Minimum age — solo | 18 years old |
| Minimum age — joint with parent | 13 years old (High School Checking) |
| Photo ID | Driver’s license, state ID, or passport |
| Social Security or ITIN | Required for all applicants |
| US address | Required |
| Minimum opening deposit | None |
| Credit check | No hard credit pull |
Chase does not perform a hard credit inquiry when you open a checking account. It does check ChexSystems for most accounts, though Chase Secure Banking is designed for applicants with a negative ChexSystems history.
Age Requirements: When Can You Get a Chase Debit Card?
Adults — 18 and Older
Anyone 18 or older can open a Chase checking account individually and receive a Visa debit card. No co-signer is needed.
Students — Ages 17 to 24
Chase College Checking is designed for college students aged 17 to 24. An 18-year-old student can open this account individually. Students 17 years old need a parent or guardian as a joint account owner. The monthly fee is waived for up to five years while enrolled.
Teens — Ages 13 to 17
Chase High School Checking allows teens aged 13 to 17 to get their own Chase debit card. A parent or guardian must be a joint account owner. The teen receives a debit card in their own name with no monthly fee. When the account holder turns 18 (or 19, depending on state), Chase converts the account to Chase Total Checking.
What ID Do You Need to Open a Chase Account?
Chase requires at least one primary government-issued photo ID. Accepted documents include:
- US driver’s license or state-issued ID
- US passport or passport card
- Military ID
- Permanent resident card (green card)
Non-US citizens can open a Chase account using a foreign passport plus an Individual Taxpayer Identification Number (ITIN) in place of a Social Security number.
You will also need to provide your Social Security number (or ITIN) and a US residential address. A P.O. box is not accepted as a primary address.
How the Debit Card Is Issued
Opening in a Branch
When you open a Chase checking account at a physical branch, you can receive a temporary debit card the same day. This card is fully functional — you can make purchases and ATM withdrawals immediately. The permanent card with your name arrives by mail within 5 to 7 business days.
Opening Online or Through the App
Chase mails a permanent debit card to the address you provide. It typically arrives within 5 to 7 business days of account approval. During that window, you can use your account number for ACH transfers, but you will not have a physical card for in-person purchases.
Chase Debit Card Features
Every Chase Visa debit card includes:
- EMV chip for chip-and-PIN payments
- Contactless / tap to pay — works with Apple Pay, Google Pay, and Samsung Pay
- Visa network — accepted at millions of merchants and ATMs worldwide
- Zero Liability Protection — Chase covers unauthorized transactions you report promptly
Daily Spending and ATM Limits
Chase debit cards have two separate daily limits: one for ATM withdrawals and one for point-of-sale purchases. Both vary by account type.
| Account | Daily ATM Limit | Daily Purchase Limit |
|---|---|---|
| Total Checking | $500 | $3,000 |
| Premier Plus Checking | $1,000–$2,000 | $7,500 |
| Sapphire Checking | Up to $3,000 | Varies |
| Private Client | Up to $3,000 | Varies |
For full ATM limit details and how to request an increase, see the Chase ATM limit guide.
Debit Card for Chase Savings Accounts
Chase Savings and Chase Premier Savings accounts do not come with a dedicated debit card. If you have only a savings account at Chase, you cannot use a debit card to access it directly.
However, if you also hold a Chase checking account, you can link your savings to your checking for overdraft protection. Your checking debit card then gives you indirect access to both accounts. You can also transfer between them instantly inside the Chase app.
Replacing a Lost or Stolen Chase Debit Card
Replacement cards are free and can be requested three ways:
- Chase Mobile app — Accounts → Debit card → Replace my card. Select the reason (lost, stolen, or damaged) and confirm your address.
- Phone — Call 1-800-935-9935, available 24/7.
- Branch — Walk into any Chase branch and ask for a replacement. A temporary card may be issued on the spot.
A standard replacement card arrives in 5 to 7 business days. If you need it sooner, Chase offers rush delivery for an additional fee.
If your card is stolen, report it immediately via the app or phone to freeze it and initiate a dispute. Chase’s Zero Liability policy means you won’t be held responsible for unauthorized charges you report promptly.
Freezing and Unfreezing Your Card
You can freeze your Chase debit card at any time through the Chase app without closing your account. A freeze blocks new purchases, ATM withdrawals, and online transactions while keeping your account open. Unfreeze in the same place when you’re ready to use it again.
This is useful if you can’t find your card but aren’t sure it’s lost.
International Use
Chase Visa debit cards work internationally at any merchant or ATM displaying the Visa logo. What varies by account is whether you pay a foreign transaction fee:
| Account | Foreign Transaction Fee |
|---|---|
| Total Checking | 3% of each transaction |
| Premier Plus Checking | None |
| Sapphire Checking | None |
| Private Client | None |
ATM fees also apply abroad. For international travel, consider the Premier Plus account or a dedicated travel debit card.
For more on Chase checking accounts, fees, and limits, see the Chase complete guide and Chase minimum balance requirements.
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