Charles Frederick Gebhart was born on the outskirts of Vincennes, Indiana, on December 12, 1891 (some sources indicate December 4, 1889, but Jones' marriage license and his military records confirm the 1891 date.) In 1907 Jones joined the United States Army a month after his 16th birthday: his mother had signed a consent form that gave his age as 18. He was assigned to Troop G, 6th Cavalry Regiment, and was deployed to the Philippines in October 1907, where he served in combat and was wounded during the Moro Rebellion. Upon his return to the US in December 1909, he was honorably discharged at Fort McDowell, California.