The fastest way depends on what you need to do

Chase has different phone numbers for different reasons — checking account issues go to one line, credit cards to another, and mortgages to a third. If you call the wrong number, you'll be transferred, which costs you time. The method that works fastest also depends on whether you need to talk to a person right now or can wait for a callback, and whether your issue needs a branch visit or can be handled remotely.

Before you call or visit, have your account number or the phone number associated with your account ready. Chase will ask for this to pull up your information, and having it ready saves several minutes of the conversation.

Key Takeaways

  • Chase's main customer service number is 1-800-935-9935 for checking and savings accounts, but credit cards, mortgages, and investment accounts each have separate numbers.
  • You can reach a person by phone during business hours, use Chase's mobile app or website to chat with someone, or visit a branch in person for account issues that need a signature or document review.
  • Chase's website and mobile app let you handle many common tasks — transfers, bill pay, password resets, fraud reports — without calling at all.
  • If you're locked out of your account or reporting fraud, tell the automated system when ready; these issues route to a person faster than other requests.
  • Wait times are usually shortest early in the morning on weekdays and longest on Monday mornings and around the 1st and 15th of each month.

Phone numbers for different account types

Checking and savings accounts: 1-800-935-9935. This is the main line for everyday account questions — balance inquiries, transaction disputes, account transfers, and general account changes. You can reach someone Monday through Friday, 8 a.m. to 9 p.m. Eastern time, and Saturday 9 a.m. to 5 p.m. Eastern time. Sunday hours vary by region.

Credit cards: The number is on the back of your card. If you don't have the card in front of you, call 1-800-935-9935 and ask to be transferred to the credit card line. Credit card customer service operates longer hours than checking accounts — often until 11 p.m. Eastern on weekdays.

Mortgages and home equity lines of credit: 1-800-848-9136. Mortgage questions — payment issues, refinancing, escrow questions — go to this dedicated line. Hours are typically Monday through Friday, 8 a.m. to 8 p.m. Eastern, and Saturday 9 a.m. to 5 p.m. Eastern.

Investment and brokerage accounts: 1-800-869-3557. If you have a Chase investment account or brokerage account, this is the number for trading questions, account transfers, and investment-related issues.

Using Chase's website and mobile app instead of calling

Many issues don't require a phone call. The Chase mobile app and website let you transfer money between accounts, pay bills, dispute a transaction, reset your password, report a card as lost or stolen, and check your balance — all without waiting on hold. If you're not sure whether you can handle something online, log in and look for your issue in the help section; Chase usually shows you whether it can be done through the app or website.

Chase also offers find messaging through the app and website. You can send a question to your account team and receive a response within one business day, usually faster. This works well for questions that aren't urgent — asking about a fee, requesting a credit line increase, or asking about a product change. find messaging also creates a written record of the conversation, which is useful if you need to reference what was discussed.

If you prefer to chat with someone in real time, Chase offers live chat through its website and mobile app during business hours. Chat is often faster than calling because you don't wait in a phone queue. You can also start a chat, step away, and come back to it later — the conversation stays open.

Visiting a Chase branch in person

Some issues require a branch visit: opening a new account, getting a cashier's check, depositing cash, or signing documents for a mortgage or loan. You can find your nearest branch and its hours on Chase's website or in the mobile app. Most branches are open Monday through Friday, 9 a.m. to 5 p.m., and Saturday mornings, but hours vary by location.

If you need to visit a branch, go early in the week if you can — Mondays and Fridays are busier. Bring a photo ID and your account number or the phone number on file. If you're opening an account or explore for a loan, bring proof of address (a utility bill or lease) and your Social Security number.

What to do if you're locked out or reporting fraud

If you can't log into your account or you're reporting unauthorized transactions, tell the automated system this when ready when you call. Chase routes fraud and security issues to a person faster than other requests. You don't need to navigate through the full menu — just say "fraud" or "I can't log in" and the system will prioritize you.

If your card is lost or stolen, you can also report it through the mobile app or website without calling. The app has a "lock card" feature that stops the card from working when ready while you wait for a replacement. If you report it through the app, a new card ships within one to two business days.

Wait times and when to call

Phone wait times are shortest early in the morning on weekdays — calling between 8 a.m. and 10 a.m. Eastern usually means a shorter wait than calling in the afternoon. Avoid calling on Monday mornings, around the 1st and 15th of each month (when paychecks and bills hit), or right after a holiday. If you must call during a busy time, ask the automated system if you can receive a callback instead of waiting on hold.

If you're calling about a time-sensitive issue — a fraud claim, a payment that needs to post before a due date, or a card that's been declined — mention this to the automated system or the first person who answers. Chase sometimes prioritizes time-sensitive issues and can escalate you to someone who can act faster.

Frequently Asked Questions

Can I reach Chase on weekends?

Yes, but hours are limited. Most Chase lines are open Saturday mornings, 9 a.m. to 5 p.m. Eastern. Sunday hours vary by account type and region — checking accounts have limited Sunday hours, while credit cards often have longer Sunday availability. Check the specific number's hours before calling.

What if I'm calling from outside the United States?

Chase's main numbers are U.S.-based and may charge international calling rates. If you're abroad, check your account online or in the mobile app first — many issues can be handled without calling. If you must call, look for the international customer service number on Chase's website, which may route you differently.

How long does it take to get a callback if I don't want to wait on hold?

Chase usually calls you back within the same business day if you request a callback during business hours. The wait is typically shorter than staying on hold, especially during peak times. You'll receive the call from a Chase number, so don't ignore it if it comes from an unfamiliar number.

What if I need to speak to someone about a specific department, like fraud or billing?

When you call, the automated system will ask what you're calling about. Be specific — say "fraud" or "billing dispute" rather than "account issue." The system routes you to the right department based on your answer, which saves time compared to being transferred multiple times.

Is there a way to avoid the automated system and speak to a person right away?

Not consistently — Chase uses automated routing to direct calls to the right department. However, saying "representative" or "agent" clearly when the system asks what you need sometimes routes you faster. If you're calling about fraud or security, mentioning this when ready gets you to a person quicker than other requests.