The fastest way depends on what you need and when
Chase has different phone numbers for different problems, and calling the wrong one wastes time. If you have a checking or savings account, call 1-800-935-9935. If you have a credit card, call 1-800-432-3117. If you have a mortgage or auto loan, call 1-800-848-1025. These are the main routing numbers; when you call, the system will ask what you need and may transfer you to a specialist.
Chase also offers 24/7 chat through its website and mobile app, which works well for account questions, balance checks, and simple transactions. You can start a chat without logging in, though you will need your account number or Social Security number to verify your identity. The wait time for chat is usually shorter than phone hold times during business hours.
If your issue is urgent—fraud, a card that is not working, or a payment that failed—phone is faster than chat because a person can act on your account immediately. For routine questions or to avoid hold times, chat or the mobile app often works just as well.
Key Takeaways
- Call 1-800-935-9935 for checking and savings accounts, 1-800-432-3117 for credit cards, and 1-800-848-1025 for mortgages and auto loans.
- Chase offers 24/7 chat through its website and mobile app without needing to call or visit a branch.
- Phone support is faster for fraud, card blocks, or payment failures that need immediate action on your account.
- Branch visits work for deposits, withdrawals, and account setup, but you will need to find your nearest location and check hours first.
- Social Security number, account number, or card number will be needed to verify your identity on any channel.
Phone support hours and what to have ready
Chase customer service lines are open 24 hours a day, 7 days a week, though wait times are longer outside business hours (roughly 8 a.m. to 8 p.m. on weekdays). When you call, have your account number, Social Security number, or the card number ready. The automated system will ask security questions to confirm who you are before connecting you to a representative.
If you are calling about a specific transaction or account issue, have the date, amount, and any reference numbers in front of you. This speeds up the conversation and helps the representative find the problem faster. If you are calling about fraud or a lost card, have the approximate time you noticed the issue.
Wait times during peak hours (lunch and late afternoon on weekdays) can reach 20 to 30 minutes. If you are not in a hurry, calling early morning or after 7 p.m. usually means shorter waits. The automated system will sometimes offer to call you back instead of holding, which frees up your phone.
Chat and online options for account questions
Chase's online chat is available through chase.com and the Chase mobile app. You do not need to be logged in to start a chat, but the representative will ask you to verify your identity before discussing account details. The chat window stays open while you wait, so you can step away and come back.
Chat works well for questions about balances, recent transactions, account features, and how to use the app or website. It is slower for urgent issues like fraud or a card that stopped working, because the representative cannot act as quickly as someone on the phone. If chat cannot solve your problem, the representative will offer to transfer you to phone support or schedule a callback.
You can also message Chase through its mobile app, which sends notifications when a representative responds. This is useful if you want to ask a question and get an answer later in the day without waiting on hold.
Visiting a Chase branch in person
Chase has branches in most states, though locations vary widely. You can find your nearest branch by entering your zip code on chase.com or using the mobile app's branch locator. Each branch has its own hours, which are usually 9 a.m. to 5 p.m. on weekdays and shorter hours on Saturday; many branches are closed on Sunday.
Visit a branch if you need to deposit cash, withdraw large amounts, set up a new account, or sign documents for a loan. You do not need an appointment for routine transactions, but some branches ask you to check in at a kiosk or take a number when you arrive. If you need to meet with a banker about a mortgage or investment, call ahead to schedule an appointment.
Bring a photo ID and your account number or Social Security number. If you are opening a new account, bring proof of address (a utility bill or lease) and your initial deposit. If you are closing an account, ask whether there are any outstanding checks or pending transactions first.
Reporting fraud or a lost or stolen card
If your card is lost, stolen, or you see fraudulent charges, call the number on the back of your card or use the phone numbers above. Chase will freeze your card immediately to stop further charges. You do not need to wait for a representative; the automated system can block your card right away.
For fraudulent charges, Chase will start an investigation and usually reverse the charges within one to three business days while it looks into the transaction. You can also report fraud through the mobile app by going to your card settings and selecting "Report Fraud." This creates a record and may be faster than calling during peak hours.
Chase will mail a replacement card to your address on file within 5 to 7 business days. If you need it faster, some branches can issue a temporary card the same day, though availability varies. Call ahead to ask whether your branch offers this service.
Payment and billing questions
If you have a question about a payment you made, a bill that arrived, or a charge you do not recognize, call the number for your account type. Have the payment date, amount, and confirmation number ready if you made a payment online or through the app.
If a payment did not go through, Chase will tell you why (insufficient funds, wrong account number, or a system error) and what to do next. If you are disputing a charge on a credit card, the representative will start a dispute claim and explain the timeline for resolution, which is usually 30 to 60 days.
For questions about when a payment will post or why a deposit has not cleared, the representative can check the status in real time. Payments made before 2 p.m. on a business day usually post the same day; payments made after 2 p.m. or on weekends post the next business day.
Contacting Chase for specific services
Chase has specialized departments for different services. If you have a business account, call 1-800-955-9060. If you have a Chase investment or wealth management account, call 1-800-869-3557. If you have a Chase student loan, call 1-888-729-1260. These numbers route you to representatives who know those products inside out.
For questions about Chase credit card rewards or travel benefits, call the number on the back of your card; it usually connects you to a rewards specialist. For mortgage questions, the number on your statement is often faster than the general mortgage line because it routes to your loan servicer directly.
If you are having trouble with the Chase mobile app or website, call the main customer service line and ask for technical support. They can walk you through troubleshooting or escalate the issue to the technology team.
Frequently Asked Questions
How long will I wait on hold when I call Chase?
Wait times vary by time of day and which line you call. During business hours on weekdays, expect 10 to 30 minutes. Early morning (before 9 a.m.) and evening (after 7 p.m.) usually have shorter waits. The automated system will offer to call you back instead of holding, which is often faster.
Can I email Chase instead of calling or chatting?
Chase does not have a general email address for customer service. You can send secure messages through the mobile app or website if you are logged into your account, and a representative will respond within one to two business days. For urgent issues, phone or chat is faster.
What if I need to speak to someone about a specific department, like fraud or collections?
Call the main number for your account type and tell the automated system what you need. It will route you to the right department. If you are calling about a past-due account or collections, have your account number ready and be prepared to discuss payment options.
Is there a way to avoid the phone menu and talk to a person right away?
Saying "representative" or "agent" at any prompt may skip some menu steps, though this does not always work. Chat is often faster than phone during business hours. If you call outside business hours, the wait is usually shorter because fewer people are calling.
What should I do if I cannot reach Chase and my issue is urgent?
If your card is lost or stolen, use the app to freeze it immediately. If a payment failed and you need to make it right away, try making the payment again through the app or website. If you believe you are a victim of fraud, file a report with the Federal Trade Commission at identitytheft.gov and contact your bank in writing as well.