Chase customer service phone numbers and when to use each one
Chase has different phone numbers depending on what you need. The main customer service line for Chase Bank is 1-800-935-9935. For Chase credit cards, call 1-800-432-3117. If you have a Chase business account, use 1-800-955-9060. These numbers work from 8 a.m. to midnight Eastern Time, seven days a week, though wait times vary by time of day and season.
Before you call, know which account type you're calling about—checking, savings, credit card, mortgage, auto loan, or business account. Having your account number or the phone number associated with your account ready will speed things up. Chase's automated system will ask you to confirm your identity before routing you to a representative, so have your Social Security number or PIN available if you have one set up.
If you're calling about a specific problem—a fraudulent charge, a missing payment, a locked account—tell the automated system right away. Chase's routing system listens for keywords like "fraud," "dispute," or "locked account" and may send you directly to the right department instead of making you repeat yourself to a representative.
Key Takeaways
- Chase Bank customer service is 1-800-935-9935 for checking and savings; credit cards use 1-800-432-3117; business accounts use 1-800-955-9060.
- Have your account number, Social Security number, or account PIN ready before calling to speed up identity verification.
- Tell the automated system your issue type (fraud, dispute, locked account) so you reach the right department faster.
- Chase phone lines are open 8 a.m. to midnight Eastern Time, seven days a week, but wait times are longest on weekday mornings and after paydays.
- If you cannot reach someone by phone, Chase also offers support through its mobile app, website chat, and in-branch visits at any Chase location.
What to expect when the automated system answers
When you call, an automated voice will greet you and ask you to state your issue or press numbers on your keypad. The system may ask for your account number, the last four digits of your Social Security number, or your PIN. This is normal—Chase uses this information to pull up your account before connecting you to a representative.
The automated system will also ask whether you're calling about an existing account or a new account inquiry. If you're calling about a problem, be specific: say "fraud," "dispute," "payment," "locked account," or "lost card" rather than something vague like "account issue." The system is trained to recognize these words and route you accordingly.
If you make a mistake or the system doesn't understand you, you can usually say "representative" or "agent" to skip ahead to a human. You can also press 0 on most Chase lines to reach an operator, though this may add time to your wait.
Fastest times to call and what to do if wait times are long
Chase wait times are shortest early in the morning (before 9 a.m. Eastern) and late in the evening (after 8 p.m. Eastern). They are longest on weekday mornings between 9 a.m. and noon, especially on Mondays and Fridays. If you're calling about a time-sensitive issue like fraud or a locked account, calling early morning or late evening can cut your wait from 30 minutes to 5 or 10 minutes.
If you reach a long wait, you have other options. Chase's mobile app has a chat feature that connects you to a representative without a phone call—this is often faster during peak hours. You can also visit a Chase branch in person; a teller can handle many routine issues like resetting a PIN, ordering a replacement card, or disputing a transaction. If your issue is not urgent, you can also use the Chase website to submit a secure message to your account team, though responses typically take 24 to 48 hours.
For billing disputes and fraud claims, you do not have to call at all. Chase allows you to report fraud and dispute charges through your online account or mobile app. This creates a paper trail and starts the investigation without waiting on hold.
How to report fraud or a lost card
If your Chase card is lost or stolen, call 1-800-935-9935 immediately. Tell the automated system "lost card" or "stolen card." Chase will deactivate the card right away—this usually takes seconds—and a representative can order a replacement. The replacement card typically arrives in 5 to 7 business days, though Chase offers expedited delivery for an extra fee.
For fraudulent charges, you do not have to call. Log into your Chase account online or through the mobile app, find the transaction, and select "Report as Fraud" or "Dispute This Transaction." Chase will investigate and usually issue a provisional credit within two business days while the investigation continues. The full investigation takes up to 60 days, but you get your money back much faster in most cases.
If you prefer to report fraud by phone, call the same number and tell the automated system "fraud." A representative will ask you to describe the unauthorized transaction, confirm that you did not make it, and answer a few security questions. They will then file a dispute on your behalf and explain the timeline for the investigation.
Calling about a payment or account issue
If you're calling about a missed or late payment, have your account statement ready. Chase representatives can tell you the exact amount owed, the due date, and whether a late fee has been applied. They can also set up a one-time payment over the phone using your bank account or another Chase account, though this usually takes 1 to 3 business days to post.
If your account is locked or frozen, call immediately. This usually happens after multiple failed login attempts, a suspected fraud alert, or a security flag. A representative will ask you to verify your identity and explain why the account was locked. In most cases, they can unlock it on the call, though some security holds require 24 hours to clear.
For questions about interest rates, account fees, or credit limit increases, a representative can answer these on the phone. However, if you want to request a credit limit increase or change account terms, you may be transferred to a specialist or asked to handle it through your online account, where Chase can process it faster.
Alternative ways to reach Chase without calling
Chase offers support through multiple channels beyond phone calls. The Chase mobile app has a chat feature that connects you to a representative during business hours. You can also use the "Ask Chase" feature in the app to submit questions and receive answers within 24 hours. The Chase website has a similar secure message tool under "Contact Us."
For routine tasks—checking your balance, transferring money, paying a bill, disputing a charge, or ordering a replacement card—you can handle most of these through the app or website without speaking to anyone. This is often faster than calling, especially during peak hours.
If you prefer in-person help, visit any Chase branch. A banker or teller can help with account questions, payment issues, card replacement, and fraud reports. Branch hours vary by location, but most Chase branches are open Monday through Friday from 9 a.m. to 5 p.m. and Saturday mornings. You can find your nearest branch and its hours on the Chase website.
What information to have ready before you call
Gather these details before dialing to avoid repeating yourself or being transferred multiple times. Have your account number (found on your statement or card), the phone number linked to your account, your Social Security number or PIN, and a description of your issue. If you're calling about a specific transaction, have the date, amount, and merchant name ready.
If you're calling about a payment or billing issue, have your most recent statement available. If you're reporting fraud, have the unauthorized transaction details and any documentation (like a merchant receipt or email confirmation) that shows you did not make the purchase. If you're calling about a loan, have your loan number and any recent correspondence from Chase.
Having this information ready typically cuts your call time in half. You will spend less time on verification and more time solving your actual problem.
Frequently Asked Questions
Can I reach a Chase representative outside of 8 a.m. to midnight Eastern Time?
Chase customer service lines operate 8 a.m. to midnight Eastern Time, seven days a week. Outside these hours, you cannot reach a live representative by phone. However, you can use the Chase mobile app or website to report fraud, dispute a charge, or submit a secure message anytime. Urgent issues like a lost or stolen card can be reported through the app as well.
What if I'm calling from outside the United States?
If you're calling from outside the U.S., you can reach Chase at 1-713-216-5700 (this is a collect call number). International calling rates apply. Alternatively, use the Chase mobile app or website to contact support, which works from anywhere with an internet connection and avoids international phone charges.
How long does it take to get through to a representative?
Wait times vary widely depending on the time of day and day of the week. Early morning (before 9 a.m. Eastern) and late evening (after 8 p.m. Eastern) typically have waits of 5 to 15 minutes. Weekday mornings between 9 a.m. and noon can have waits of 20 to 45 minutes. Using the mobile app chat feature or visiting a branch in person is often faster during peak hours.
Do I have to call to dispute a charge or report fraud?
No. You can report fraud and dispute charges through your Chase online account or mobile app without calling. Select the transaction, choose "Report as Fraud" or "Dispute This Transaction," and follow the prompts. This method creates a documented record and often results in faster provisional credits than calling.
What if I cannot remember my account number?
When the automated system asks for your account number, you can provide your Social Security number and date of birth instead. Chase will use this information to locate your account. Have your PIN ready as a backup if the system asks for additional verification.