Chase Bank's Main Customer Service Number
Chase Bank's primary customer service number is 1-800-935-9935. This line handles account questions, balance inquiries, transaction disputes, and general banking issues for personal checking and savings accounts. Wait times vary by time of day and day of week; calling early morning on a weekday typically means shorter holds than calling during lunch or late afternoon.
When you call, have your account number or the phone number associated with your account ready. The automated system will route you based on what you need, and you can usually press a number to skip ahead to a live representative rather than listening through all the menu options.
Chase also maintains separate numbers for specific services. If you're calling about a credit card, a mortgage, or investment accounts, those lines may differ. The main number can transfer you, but knowing the right line from the start saves time.
Key Takeaways
- Chase's main customer service number is 1-800-935-9935 and handles most personal banking questions.
- You can reach a representative 24 hours a day, 7 days a week, though wait times are shorter during business hours on weekdays.
- Have your account number or registered phone number ready before calling to speed up verification.
- Credit cards, mortgages, and investment accounts have separate phone lines that you can ask to be transferred to from the main number.
- Chase also offers customer service through its mobile app, website chat, and in-person at branch locations.
What You Can Handle Over the Phone
Chase phone representatives can help with account access issues, forgotten passwords, lost or stolen cards, transaction questions, and fraud disputes. If your debit card was used without permission or you see a charge you don't recognize, calling this number starts the dispute process. The representative will document what happened and may issue a temporary credit while Chase investigates.
You can also use this line to report a card lost or stolen, freeze your account temporarily, set up alerts for large transactions, and ask about account features or fees. Representatives cannot change your interest rate on a savings account or waive fees on the spot in most cases, but they can explain why a fee was charged and direct you to the right department if you want to request a review.
Chase Credit Card Customer Service
If you're calling about a Chase credit card, the number is 1-800-935-9935 as well, but the automated system will route you to the credit card division. You can also find the card-specific number on the back of your physical card. This line handles payment questions, rewards redemption, credit limit increases, and fraud disputes on the card itself.
Credit card disputes work differently than debit card disputes. With a credit card, you have the right to dispute a charge within 60 days of the statement date. Chase will typically remove the charge from your bill while they investigate, which takes 30 to 90 days. You don't have to pay the disputed amount during the investigation.
Chase Mortgage and Home Loan Support
Mortgage customers should call 1-800-848-9136 for payment questions, loan modifications, refinancing, or escrow account issues. This line is separate because mortgage accounts have different rules and timelines than checking accounts. If you're behind on payments, calling this number is important—Chase has programs to help borrowers catch up, and the sooner you contact them, the more options you may have.
If you're trying to make a one-time payment on your mortgage, you can often do that through the Chase website or app without calling. But if you need to discuss your loan terms, set up a payment plan, or ask about forbearance, a representative on this line can walk you through the process.
Chase Investment and Brokerage Services
Customers with Chase investment accounts or brokerage services should call 1-800-955-9060. This line handles questions about stocks, mutual funds, retirement accounts held at Chase, and trading. If you have a J.P. Morgan investment account, this is also the right number.
Wait times on this line can be longer during market hours (9:30 a.m. to 4 p.m. Eastern time on trading days) because more people call with time-sensitive questions. If your question isn't urgent, calling before or after market hours may get you through faster.
Reaching Chase Through Other Channels
Phone isn't the only way to reach Chase. The Chase mobile app has a built-in chat feature that connects you to a representative during business hours. You can also message through the app to ask simple questions and get responses within a few hours. The Chase website (chase.com) has a "Contact Us" page with chat options and a form to request a callback instead of waiting on hold.
If you prefer in-person help, you can visit any Chase branch during business hours. Branch staff can handle most account questions, card issues, and payment problems. Some branches have extended hours on weekdays and limited Saturday hours, but this varies by location. You can find your nearest branch and its hours on the Chase website.
For written correspondence, you can mail a letter to Chase's customer service address, which is listed on your statement or the website. Mail takes longer than phone or chat, but it creates a paper record of your communication, which can be useful if you're disputing a charge or requesting a formal review.
What to Do If You Can't Reach Anyone
If the phone line is busy or you've been on hold longer than you're willing to wait, use the callback feature on the Chase website or app. You enter your number and preferred callback time, and a representative calls you back instead of you holding. This usually works within a few hours during business days.
If you're calling about a fraud dispute or a card that's been compromised, don't hang up and try again later—stay on the line or use the callback feature. These calls are prioritized, and the sooner you report the issue, the sooner Chase can protect your account and begin investigating.
Frequently Asked Questions
Is Chase customer service available 24/7?
Yes, the main customer service line (1-800-935-9935) is available 24 hours a day, 7 days a week. However, some specialized lines like mortgage support may have limited hours. Wait times are typically shorter during business hours on weekdays.
What do I need to have ready before I call?
Have your account number, the phone number registered with your account, or your Social Security number ready. If you're calling about a specific transaction, have the date and amount. This speeds up verification and gets you to a representative faster.
Can I dispute a charge over the phone?
Yes. For debit cards, call the main number and explain the unauthorized charge. For credit cards, call the card-specific line. Chase will document the dispute and begin an investigation. With credit cards, the charge is typically removed from your bill while they investigate.
What if I'm calling from outside the United States?
Chase has international customer service lines. Check your statement or the back of your card for the international number, or visit chase.com for the line that serves your country. International calls may incur charges depending on your phone plan.
Can I handle my banking without calling?
Most routine tasks—checking balances, transferring money, paying bills, and making deposits—can be done through the Chase app or website. You only need to call for disputes, fraud reports, account access problems, or questions that require a representative's judgment.