You can add someone to your Chase checking account in person at a branch, by phone, or online through Chase's website

The person you want to add becomes an authorized user or joint account holder, depending on what access you give them. An authorized user can use a debit card and make transactions, but the original account owner stays responsible for the account. A joint account holder has equal ownership and equal responsibility — both of you can close the account, change the terms, or withdraw all the money.

Chase requires the person you're adding to be present in person at a branch if they don't already have a Chase account, or to verify their identity by phone or online if they do. You'll need their Social Security number and a government-issued ID. The process usually takes a few minutes to a few hours, depending on which method you choose.

Key Takeaways

  • You can add someone as an authorized user (limited access) or joint account holder (equal ownership and responsibility) depending on what control you want them to have.
  • If the person doesn't have a Chase account, they must be present at a branch with a government-issued ID and Social Security number.
  • If the person already has a Chase account, you may be able to add them online or by phone without a branch visit.
  • The account holder whose name is on the original account remains responsible for all activity, even if someone else is authorized to use it.

Adding someone in person at a Chase branch

Bring your checking account information, a government-issued ID, and the other person with you. They will also need a government-issued ID and should be prepared to provide their Social Security number. Tell the banker you want to add an authorized user or joint account holder — be clear about which one, because the difference matters for liability and account control.

The banker will verify both identities, confirm the Social Security number, and update the account on the spot. You'll both sign paperwork. If the person being added doesn't have a Chase account yet, the banker may open one at the same time. This is usually the fastest route if you're already planning to visit a branch.

Adding someone by phone

Call Chase at the number on the back of your debit card. Have your account number and the other person's Social Security number ready. The representative will verify your identity and ask you to confirm the person you're adding and what access level you want them to have.

If the person being added already has a Chase account, the representative may be able to complete the change over the phone. If they don't, Chase will likely ask you to come to a branch or may send them a verification code by mail or text. Ask the representative which step comes next before you hang up, so you know what to expect.

Adding someone through Chase's online banking

Log into your Chase account on the website or mobile app. Look for "Account Services" or "Settings," then find the option for managing account users or authorized users — the exact wording varies by account type. You'll enter the other person's name, email address, and Social Security number.

Chase will send them a verification link or code. They'll need to confirm their identity using that link or code, usually within a set number of days. Once they do, they'll have access to the account based on the permissions you set. This method works fastest if both of you already have Chase accounts and are comfortable with online banking.

What happens after someone is added

If you added them as an authorized user, they can use a debit card linked to the account and make purchases or withdrawals. You can set daily spending limits through Chase's app or website. You remain the account owner and are responsible for all activity, even transactions they make.

If you added them as a joint account holder, they have the same rights you do — they can withdraw money, change account settings, add or remove other users, or close the account entirely. Both of you are responsible for overdrafts and any debt tied to the account. You cannot remove a joint account holder without their consent in most cases; you would need to close the account and open a new one.

Documents and information you'll need

Have your account number and routing number ready — you can find both on a check or in your Chase app. Bring a government-issued ID like a driver's license or passport. The person being added will need their own government-issued ID and their Social Security number.

If you're doing this by phone or online, have the other person's full legal name, date of birth, and current address. If you're doing it in person, they need to be there with you. Some branches may ask for additional information like a phone number or email address, but the basics above are what Chase always requires.

Removing someone from your account

If you added someone as an authorized user, you can remove them through your Chase app, online banking, by phone, or at a branch. The process is usually quick — sometimes just a few clicks or a phone call. Any debit card in their name will stop working once they're removed.

If you added them as a joint account holder, you cannot remove them without closing the account. Joint account holders have equal rights, so neither person can unilaterally remove the other. If you need to separate finances, you'll need to close the joint account and open a new one in your name alone, then transfer your money.

Frequently Asked Questions

Can I add someone who doesn't have a Chase account?

Yes, but they must come to a branch in person with a government-issued ID and Social Security number. The banker can add them to your account and may open a Chase account for them at the same time if they want one. If you try to add them online or by phone, Chase will direct you to a branch.

What's the difference between an authorized user and a joint account holder?

An authorized user can use the account but you stay in control — you can set spending limits and remove them anytime. A joint account holder owns the account equally with you and can do anything you can do, including closing it. Choose authorized user if you want to limit their access; choose joint if you want equal partnership.

Will adding someone to my account affect their credit?

Adding someone as an authorized user typically does not affect their credit score. Adding them as a joint account holder may show up on their credit report as a new account. If you're unsure, ask the Chase banker before you proceed, since the impact can vary based on your credit history and theirs.

Can I add someone remotely if they live in another state?

If they already have a Chase account, you may be able to add them online or by phone. If they don't have a Chase account, they'll need to visit a Chase branch in their state with their ID and Social Security number. Call Chase to confirm what's possible for your situation before you start the process.

What if I want to remove a joint account holder?

You cannot remove a joint account holder without their permission. Your only option is to close the account and open a new one. Both of you will need to agree to close it, or you can open a separate account and transfer your portion of the money there.