Financial apps do a lot of things, including bank apps like the one operated by Chase, but very few are going to request or require one’s Social Security Number or SSN.
The Chase app definitely does not.
And if one is dealing with a version of the Chase app that does, there is something wrong and it should be deleted right away.
Does the Chase App Ask for a Social Security Number?
In the U.S., a person’s Social Security Number, or SSN, is their identification for both tax reporting purposes as well as to eventually be eligible for Social Security benefits when older.
The SSN is so universal in the U.S. financial system, it is used regularly as a confirmed government identifier for an individual.
It is also used as a tax reporting number for any income the person earns that a bank might need to report to the Internal Revenue Service.
The Chase app does not have a feature that automatically asks a user for their SSN. This happens if a consumer wants to open an account with Chase and has never done so. Under federal law, all new bank accounts must be identified with a tax identification number.
The SSN is the most common one used for private individuals. So, if a new bank or credit card account is opened with Chase online, it will require submission of the person’s SSN to create the account.
If it is not provided, and a different tax ID format is not used, then the account will not be created.
Why Would the Chase App Need to Ask for Your Social Security Number?
In short, the app should never ask for a customer’s SSN, ever. That sort of information is not transmitted on the app in an automated fashion, and a customer should never submit it through the app either.
If a version of the Chase app being used does ask for the SSN, the customer should stop using it, delete the app from the mobile device, and reload the app from the related app store, Apple or Android.
This is a very rare instance, but asking for an SSN is a clear sign something has been hacked.
Once the app has been replaced, turn off the device completely, and restart it. This is a surefire way to cancel any kind of transient connection as a cell connection resets any protocols on the device with a reboot.
It’s practically impossible to hack, and also a good reason why folks should turn off/on their cells and tablets regularly.
Does Chase Ask for Social Security Number to a Reset Password?
There was a time when this happened, and smaller banks still require it.
However, Chase uses the customer’s phone number and texting to confirm status, sending out a special one-time access code that expires in 20 minutes from send.
That code provides the reset ability, which is far more secure as email accounts have been hacked and resets on emails alone have proven to be a very weak security defense from fraud.
Should you Give Chase your Social Security Number?
Again, unless one is using some other type of accepted tax ID, such as for a business, the SSN will be required by Chase to create a new account if not already on file. This is a federal law requirement, and Chase has no leeway on the matter.
The only exception for an individual would be if he or she does not have an SSN, in which case the person typically has some kind of a immigrant status identifier number instead.
When Does the Chase App Ask for Your Social Security Number?
Again, the app should not ask for a user’s SSN. This is simply not part of the tool’s features.
The only time this would come up is if the customer is using their web browser tool on a mobile device to apply for a loan, which typically asks for the SSN again as part of the loan application.
As always, remaining diligent about how electronics connect to things is how you protect yourself. Any time a financial app is behaving odd, it’s time to be paranoid and question what’s happening. If unsure, delete it and reinstall.
Your account won’t disappear, and your login will remain the same. Complacency is how online thieves catch victims and grab their identity information. Don’t be another statistic.