Chase offers live chat support, but not 24 hours a day
Chase Bank's live chat is available during business hours — typically 8 a.m. to 10 p.m. Eastern Time, seven days a week. Outside those hours, you can still reach Chase through phone support, which runs 24 hours a day for most account types. The specific hours depend on what you need help with: credit card support, checking account issues, and investment questions each have slightly different windows.
Live chat is faster than phone for straightforward questions — you can stay in your chat thread while looking up account numbers or documents. Phone support connects you to a person when ready but means waiting on hold during peak times. Neither option requires you to be a Chase customer already; you can contact them about opening an account or asking general questions.
Key Takeaways
- Chase live chat runs 8 a.m. to 10 p.m. Eastern Time daily, but phone support is available 24 hours for account holders.
- You reach live chat through chase.com or the Chase mobile app by selecting "Contact Us" and choosing the chat option.
- Phone numbers vary by account type: credit cards, checking accounts, and investment services each have separate lines.
- Wait times for live chat are usually shorter than phone during business hours, but both options are free.
How to start a live chat with Chase
Go to chase.com and look for "Contact Us" in the footer or top navigation. Select "Chat with us" from the options that appear. You do not need to log in first, though logging in lets Chase pull up your account details faster. The chat window opens in your browser, and you can type your question while the system routes you to an available agent.
If you use the Chase mobile app, the process is the same: tap the menu icon, find "Contact Us," and select chat. The app version sometimes connects faster because it already knows you are a customer. Either way, you will see a wait time estimate before you enter the queue.
Chase phone numbers by account type
| Account Type | Phone Number | Hours |
|---|---|---|
| Credit Cards | 1-800-935-9935 | 24 hours, 7 days |
| Checking & Savings | 1-800-935-9935 | 24 hours, 7 days |
| Chase Investment Services | 1-800-882-4748 | 24 hours, 7 days |
| Mortgage Services | 1-800-848-9136 | Monday–Friday, 8 a.m.–8 p.m. ET; Saturday, 9 a.m.–5 p.m. ET |
| Auto Loans | 1-800-935-9935 | 24 hours, 7 days |
Have your account number or the phone number associated with your account ready when you call. If you are calling about a credit card, the system may ask you to verify the last four digits. For mortgage or auto loan questions, you will likely be transferred to a specialist team, which can add a few minutes to your call.
What to expect during wait times
Live chat wait times are usually under five minutes during off-peak hours (early morning, late evening, weekday afternoons). During lunch hours and early evenings, waits can stretch to 15 or 20 minutes. Phone wait times follow the same pattern, though they tend to be longer during the first hour after the call center opens.
If you are in a live chat queue and need to step away, you can close the window and return to it later — Chase will hold your place for a short time. Phone calls cannot be paused, so if you are on hold and need to hang up, you will have to call back and start over.
Other ways to contact Chase
Chase also offers support through email, though responses typically take 24 to 48 hours. You can submit a message through your online account or the mobile app under "Contact Us." For urgent issues — fraud, lost cards, or account lockouts — phone is faster than email or chat.
If you have a Chase branch near you, you can also walk in during branch hours to speak with a banker in person. Branch hours vary by location but are usually 9 a.m. to 5 p.m. on weekdays and shorter hours on Saturday. Use the branch locator on chase.com to find your nearest location and confirm hours before you go.
When live chat is not available
Between 10 p.m. and 8 a.m. Eastern Time, live chat is closed. During those hours, you can still call the 24-hour phone line or send an email message that will be answered the next business day. If you need when ready help after hours — for example, to report a fraudulent transaction — phone is your only real-time option.
Chase occasionally takes live chat offline for maintenance, usually announced in advance on their website. If you try to start a chat and see a message that support is unavailable, check chase.com for any service notices, or use the phone line instead.
Frequently Asked Questions
Can I use live chat if I do not have a Chase account yet?
Yes. You can chat with Chase to ask questions about opening an account, understanding their products, or getting general information. You do not need to be logged in. The agent can answer questions about checking accounts, credit cards, savings rates, and other services without accessing your account.
What happens if I get disconnected during a live chat?
If your chat disconnects, start a new chat and briefly explain what happened. The agent can see your previous conversation in the system and will not make you repeat everything. Keep your chat transcript or take a screenshot if you need to reference what was discussed.
Is there a callback option instead of waiting on hold?
Chase does not offer a formal callback system for phone support, but some agents can schedule a call back if you ask. For live chat, you can close the window and return later — your place in the queue is held for a limited time. Phone calls require you to stay on the line or call back.
Do I have to pay for live chat or phone support?
No. Both live chat and phone support are free for all Chase customers and non-customers. There are no fees for contacting Chase through either channel, regardless of how long you spend on the call or in the chat.
What if my issue is too complicated for live chat?
If the chat agent cannot solve your problem, they will transfer you to a specialist or offer to schedule a phone call with someone who can help. For complex issues like mortgage modifications or investment account questions, you may be routed to a dedicated team that handles those topics.