Yes, but Chase requires you to add them as an authorized user or joint owner
You can let someone else use your Chase checking account, but the method depends on how much control you want them to have and what relationship you have with them. Chase offers two main ways: adding an authorized user (they can use the account but you stay in control) or making them a joint owner (you share full ownership and responsibility). Both require you to go to a Chase branch or call their customer service line — you cannot set this up online.
The person you add must be present with a valid government ID, or you must complete the paperwork in person at a branch. Chase will not add someone remotely over the phone without both of you present, even if you are the account holder. This is a fraud-prevention measure.
Key Takeaways
- An authorized user can make deposits, withdrawals, and transfers using a debit card or checks, but the account remains in your name and you keep legal responsibility.
- A joint owner has equal rights to the account and equal liability for overdrafts or disputes — Chase treats both names as owners.
- Both require the other person to show a valid government ID in person at a Chase branch or during a phone call where Chase verifies their identity.
- If you want to remove someone later, you can do so by visiting a branch or calling Chase, but joint owners may have the right to dispute the removal.
Authorized user vs. joint owner: which one to choose
An authorized user is the simpler option if you want to give someone access without giving them ownership. They get a debit card linked to your account and can withdraw cash, make purchases, and deposit checks. However, you remain the account holder and the person responsible for all activity. If the authorized user overdraws the account, the overdraft fee is your responsibility. If there is a dispute over a transaction, Chase will contact you as the account owner.
A joint owner is a true co-owner of the account. Both names appear on the account, both can make any transaction, and both are equally liable for overdrafts, fees, and disputes. If you die, a joint owner typically has the right to the full balance without going through probate — this is called "right of survivorship" and is automatic on most Chase joint accounts. However, if the joint owner has creditors or owes taxes, those creditors may be able to claim money from the joint account.
If you are unsure which is right for you, authorized user is the safer choice for most situations. You keep control, and you can remove the person at any time without their consent. Joint ownership is better only if you truly want to share the account equally — for example, with a spouse or long-term partner.
How to add an authorized user at Chase
Visit your nearest Chase branch with the person you want to add. Bring your account information (your debit card or account number) and ask to add an authorized user. The other person must bring a valid government ID — a driver's license, passport, or state ID card. Chase will verify their identity and run a background check.
The process takes about 15 to 20 minutes. Chase will issue a new debit card in the authorized user's name, which usually arrives within 7 to 10 business days. Until then, the authorized user can still access the account using your card or by going to a branch to withdraw cash.
If you cannot both go to a branch, you can call Chase at the number on the back of your debit card and request to add an authorized user over the phone. Chase will need to verify both your identity and the other person's identity during the call. The other person must be on the call with you. This process is slower — it may take several days for Chase to mail the authorization paperwork, and the new debit card will take another 7 to 10 business days to arrive.
How to add a joint owner at Chase
Adding a joint owner is more formal than adding an authorized user because both of you are taking on equal legal responsibility. You must both go to a Chase branch in person with government IDs. Chase will have you sign paperwork that confirms you both understand the account is jointly owned and that both of you are liable for all activity.
Chase will update the account to show both names and issue new debit cards for both of you. The process takes about 20 to 30 minutes. Both of you will receive new cards within 7 to 10 business days, and both names will appear on statements and tax documents (if applicable).
You cannot add a joint owner over the phone. Both people must be present at a branch with valid ID.
What happens to the account if you die
If you are the sole account holder and you die, the account is frozen until your estate is settled. Your authorized user loses access immediately — they cannot withdraw money or make transactions. The bank will require a death certificate and proof of who has the legal right to the account (usually a will or court order).
If the account is jointly owned, the joint owner keeps full access to the account and the money in it. This is the main reason some people choose joint ownership — it avoids probate and keeps the account open. However, if the joint owner has debts or tax liens, creditors may be able to claim money from the joint account to pay those debts.
Removing an authorized user or joint owner
You can remove an authorized user at any time by visiting a Chase branch or calling Chase customer service. You do not need the authorized user's permission or presence. Chase will cancel their debit card and remove their access within one business day. The authorized user will no longer be able to use the card or access the account online.
Removing a joint owner is more complicated. Some states allow you to remove a joint owner unilaterally, but others require both owners to agree or require a court order. Call Chase and ask what your state's rules are. If the joint owner disputes the removal, Chase may freeze the account until the dispute is resolved.
Fraud and liability if someone misuses the account
If an authorized user makes unauthorized transactions, you are responsible for reporting them to Chase. Call the fraud line on the back of your debit card as soon as you notice the problem. Chase will investigate and may reverse the transactions, but you must report it within 60 days of the statement date to be protected under federal law.
If a joint owner makes unauthorized transactions, the situation is more complicated because they have the legal right to use the account. Chase may not treat it as fraud because both names are on the account. If you believe a joint owner is stealing from the account, you may need to close the account or pursue a civil claim against them.
For this reason, only add someone as a joint owner if you trust them completely. An authorized user is safer if you have any doubt.
Frequently Asked Questions
Can I add someone as an authorized user without them being present?
No. Chase requires the person to be present in person at a branch with a valid government ID, or to be on a phone call with you while Chase verifies their identity. You cannot add someone remotely without their participation.
Will adding an authorized user affect their credit score?
No. Adding an authorized user to a checking account does not appear on credit reports and does not affect credit scores. Credit reports track credit accounts like credit cards and loans, not checking accounts.
Can an authorized user see my account balance and transaction history?
Yes. An authorized user can see the full account balance and all transactions when they log into Chase online or use the mobile app. They have the same visibility as you do, except they cannot change account settings or close the account.
What if I want to give someone access to just one transaction or payment?
Adding an authorized user or joint owner gives them ongoing access to the entire account. If you want to give someone access to a single payment or transfer, use Chase's bill pay feature to send money directly, or use Zelle or another peer transfer service instead. These methods do not require giving the person access to your account.
Can I add a minor as an authorized user?
Chase allows minors as authorized users on some accounts, but the minor must be at least 13 years old and must be present at the branch with a valid ID (school ID or state ID). Call your local Chase branch to confirm their policy, as it may vary by location.