Chase is the largest bank in the United States with over 4,700 branches across the country. As a JPMorgan Chase customer, you have access to 24/7 phone support for most banking needs, though wait times can vary significantly depending on when you call.
Whether you need to dispute a transaction, report a lost or stolen card, ask about Chase’s fees, or check your routing number, this guide will help you reach the right department quickly. For many issues, you may also want to try Chase’s mobile app first—it can handle balance inquiries, transfers, and even disputes without waiting on hold.
Chase Customer Service Phone Numbers
Chase organizes its customer service by product type. Using the correct number from the start will save you from being transferred and starting over with a new agent.
Main Customer Service Lines
Chase’s main banking line (1-800-935-9935) handles checking accounts, savings accounts, debit cards, and general inquiries. For credit cards, use the dedicated credit card line for faster service.
| Service | Phone Number | Hours |
|---|---|---|
| General Banking | 1-800-935-9935 | 24/7 |
| Credit Cards | 1-800-432-3117 | 24/7 |
| Lost/Stolen Debit Card | 1-800-935-9935 | 24/7 |
| Lost/Stolen Credit Card | 1-800-432-3117 | 24/7 |
| Fraud Department | 1-800-935-9935 | 24/7 |
Specialized Departments
Chase’s specialized departments have their own phone numbers and hours. If you’re calling about a mortgage, auto loan, or investment account, using the direct line will get you to someone who specializes in that product—and can actually help with your specific situation.
| Department | Phone Number | Hours (ET) |
|---|---|---|
| Mortgage | 1-800-848-9136 | M-F 8AM-9PM, Sa 9AM-3PM |
| Auto Loans | 1-800-336-6675 | M-F 8AM-9PM, Sa 8AM-5PM |
| Home Equity | 1-800-836-5656 | M-F 8AM-9PM, Sa 9AM-3PM |
| Student Loans | 1-800-487-4507 | M-F 8AM-9PM |
| Business Banking | 1-800-242-7338 | M-F 7AM-10PM, Sa 8AM-5PM |
| Private Client | 1-888-994-5626 | M-F 8AM-9PM, Sa 9AM-3PM |
| Investment Services | 1-800-392-5749 | M-F 8AM-9PM, Sa 9AM-3PM |
| Wire Transfers | 1-800-935-9935 | 24/7 |
International Callers
| Location | How to Call |
|---|---|
| From outside US | 1-713-262-3300 (collect calls accepted) |
| TTY/TDD | 1-800-242-7383 |
How to Reach a Live Person at Chase
Chase’s phone system uses speech recognition, but it also responds to touch-tone input. The trick is bypassing the automated prompts that try to handle your request without a human. Here’s the fastest path through Chase’s phone tree.
Step-by-Step Phone Navigation
The fastest path to a human representative involves pressing 0 multiple times. This signals to the system that you need help beyond what automation can provide.
| Step | Action |
|---|---|
| 1 | Call 1-800-935-9935 |
| 2 | Press 0 (or say “representative”) |
| 3 | Press 0 again |
| 4 | Press 0 one more time |
| 5 | Wait for agent |
Alternative: Say “I want to speak to a representative” clearly at each automated prompt. Chase’s voice system recognizes this phrase.
Best Times to Call Chase
Chase’s call volume follows predictable patterns throughout the week. Avoid Monday mornings—people are calling about weekend issues and transactions that posted Friday. Mid-week mornings consistently offer the shortest waits.
| Day/Time | Expected Wait |
|---|---|
| Tuesday-Thursday 8-9 AM ET | 5-10 minutes |
| Monday 9 AM-12 PM | 20-45 minutes (weekend backlog) |
| Friday afternoon | 15-30 minutes |
| Saturday | 10-20 minutes |
| Sunday | 24/7 line only, longer waits |
What to Have Ready
Before you call, gather your account information. Chase agents must verify your identity before discussing account details, and having this information ready will speed up the process. If you’re calling about a specific transaction, note the date, amount, and merchant name.
| Document | Purpose |
|---|---|
| Account number | Faster verification |
| Last 4 of SSN | Identity confirmation |
| Debit card number | Additional verification |
| Recent transaction details | If disputing |
| Chase online login info | For account-specific help |
Chase Contact Options Beyond Phone
For many issues, you don’t need to call at all. Chase’s digital tools can handle common requests faster than waiting on hold. Before you dial, consider whether one of these options could solve your problem.
Chase Mobile App
The Chase mobile app is more powerful than most people realize. You can lock your card instantly if you suspect fraud, view pending transactions before they post, and even file disputes for unauthorized charges—all without talking to anyone.
| Feature | How to Access |
|---|---|
| Secure messaging | Menu → Help → Message us |
| Lock/unlock cards | Account → Card icon |
| Dispute transaction | Transaction → Report issue |
| Update contact info | Profile → Settings |
| Check application status | Menu → Applications |
Chase Secure Message Center
| Best For | Response Time |
|---|---|
| Non-urgent questions | 1-2 business days |
| Documentation requests | 1-3 business days |
| Follow-up on issues | 1-2 business days |
| Complex inquiries | 2-5 business days |
How to access: Log in at chase.com → Help & Support → Secure Message Center
Chase Social Media
| Platform | Handle | Best For |
|---|---|---|
| Twitter/X | @ChaseSupport | Quick questions, public issues |
| Chase | General inquiries |
Note: Never share account numbers on social media. They’ll direct you to secure channels.
Chase Branch Visit
For branch locations near you and to check weekend or holiday hours before making the trip, see the Chase branch hours guide.
For complex issues like:
| Issue | Why In-Person |
|---|---|
| Account opening | ID verification |
| Notarized documents | Notary services |
| Safe deposit box | Physical access |
| Large cash transactions | CTR requirements |
| Complex disputes | Face-to-face resolution |
Find a branch: chase.com/locator or call 1-800-935-9935
Common Chase Issues and Which Number to Call
Account Issues
| Issue | Number | What to Say |
|---|---|---|
| Unauthorized transaction | 1-800-935-9935 | “I need to dispute a transaction” |
| Account locked | 1-800-935-9935 | “My account is locked” |
| Overdraft questions | 1-800-935-9935 | “Overdraft assistance” |
| Statement questions | 1-800-935-9935 | “I have a question about my statement” |
| Close account | 1-800-935-9935 | “I want to close my account” |
Card Issues
| Issue | Number | What to Say |
|---|---|---|
| Lost debit card | 1-800-935-9935 | “My card is lost” |
| Stolen debit card | 1-800-935-9935 | “My card was stolen” |
| Card declined | 1-800-935-9935 | “My card isn’t working” |
| Request new card | 1-800-935-9935 | “I need a replacement card” |
| Activate new card | 1-877-242-7372 | Follow prompts |
Credit Card Specific
| Issue | Number | What to Say |
|---|---|---|
| Credit card dispute | 1-800-432-3117 | “Dispute a charge” |
| Credit limit increase | 1-800-432-3117 | “Credit limit increase” |
| Rewards questions | 1-800-432-3117 | “Points and rewards” |
| APR concerns | 1-800-432-3117 | “Interest rate questions” |
| Balance transfer | 1-800-432-3117 | “Balance transfer” |
Loans and Mortgages
| Issue | Number |
|---|---|
| Mortgage payment | 1-800-848-9136 |
| Refinance inquiry | 1-800-848-9136 |
| Hardship/forbearance | 1-800-848-9136 |
| Auto loan payment | 1-800-336-6675 |
| Payoff quote | Department-specific line |
Chase International Phone Support
Calling Chase from Outside the U.S.
| Country | Best Method |
|---|---|
| All countries | Call 1-713-262-3300 collect |
| From landline | Tell operator to place collect call |
| From cell | Use calling card or WiFi calling app |
Traveling Abroad Tips
| Before You Travel | Action |
|---|---|
| Set travel notice | Chase app → Cards → Set travel notice |
| Note international # | Save 1-713-262-3300 in phone |
| Enable WiFi calling | Use for free calls to US number |
| Download Chase app | Manage account without calling |
If Chase Doesn’t Resolve Your Issue
Escalation Path
| Step | Who to Contact |
|---|---|
| 1 | Request supervisor |
| 2 | Ask for complaint department |
| 3 | Write to Chase Executive Office |
| 4 | File CFPB complaint |
| 5 | Contact OCC (Chase’s regulator) |
Chase Executive Office
Mail:
Chase Executive Office
P.O. Box 183017
Columbus, OH 43218-3017
What to include:
- Account number
- Description of issue
- Previous attempts to resolve
- Desired resolution
- Supporting documents
Regulatory Complaints
| Agency | When to Use | Contact |
|---|---|---|
| CFPB | Any banking issue | 1-855-411-2372 |
| OCC | National bank regulator | 1-800-613-6743 |
| State AG | State law violations | Varies by state |
Bottom Line
| Question | Answer |
|---|---|
| Main Chase number | 1-800-935-9935 |
| Credit card number | 1-800-432-3117 |
| Available 24/7? | Yes (main line) |
| Fastest path to human | Press 0 three times |
| Best time to call | Tuesday-Thursday 8-9 AM ET |
| International callers | 1-713-262-3300 (collect) |
For a full overview of Chase accounts, fees, limits, and hours, see the Chase complete guide.
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