Chase's main customer service line is available around the clock, but the number depends on what you need

Chase Bank operates a 24-hour customer service phone line, but there is no single number that works for every situation. The number you call depends on whether you have a consumer account, a business account, or a specific problem like fraud or a lost card. Calling the wrong line wastes time; calling the right one gets you to someone who can actually help within minutes.

The most common number for consumer banking customers is 1-800-935-9935. This line handles account questions, balance inquiries, transaction disputes, and general account management. It operates 24 hours a day, seven days a week. You will need your card or account number to verify your identity, and wait times vary by time of day — early morning and late evening typically have shorter queues than midday.

If you are calling about fraud, a lost or stolen card, or unauthorized transactions, Chase has a dedicated fraud line: 1-800-955-9060. This line is also available 24/7 and should be your first call if you suspect criminal activity on your account. The faster you report it, the faster Chase can freeze your card and investigate.

Key Takeaways

  • Chase's main consumer customer service number is 1-800-935-9935 and operates 24 hours daily for account questions and disputes.
  • If you suspect fraud or have a lost or stolen card, call the dedicated fraud line at 1-800-955-9060 instead.
  • Business customers and credit card-only customers have separate phone numbers, so confirm which type of account you hold before calling.
  • You will need your card or account number ready to verify your identity, and wait times are typically shorter outside business hours.

Different numbers for different account types

Chase divides its customer service by account type because the systems and permissions are different. If you have a Chase checking or savings account, the main consumer line (1-800-935-9935) is correct. If you have only a Chase credit card and no deposit account, you should call 1-800-432-3117 instead — that line routes to credit card specialists who can see your card details and credit history.

Business customers have their own line: 1-866-564-2262. This number connects you to someone trained on business accounts, merchant services, and commercial lending products. If you try to reach business support through the consumer line, you will be transferred, which adds time to your call.

If you are unsure which type of account you have, look at your statement or card. A Chase checking account statement will say "Chase Bank" at the top. A credit card statement will say "Chase Card Services." When you call, the automated system will also ask you to confirm your account type before routing you.

What happens when you call and what to have ready

When you dial any Chase customer service number, an automated system answers first. It will ask you to state your reason for calling or press a number from a menu. Be specific — saying "account question" is too broad, but "I need to dispute a transaction" or "my card was lost" gets you routed faster. The system may also ask for your account or card number at this stage to pull up your information before connecting you to a representative.

Have these items ready before you call: your card or account number, your Social Security number or tax ID, a government-issued ID if you are calling about fraud, and any transaction details you are disputing (date, amount, merchant name). If you are calling about a specific transaction, have your statement in front of you. This preparation cuts your call time in half because the representative does not have to ask for basic information.

Wait times vary. During business hours (Monday through Friday, 9 a.m. to 5 p.m. Eastern), expect 5 to 15 minutes on hold. Early morning (before 8 a.m.) and evening (after 6 p.m.) typically have shorter waits. Weekends are usually moderate. If you reach a queue that shows a 20-minute wait, you can hang up and call back in 30 minutes — the queue refreshes constantly.

When to use Chase's online chat or app instead of calling

Not every issue requires a phone call. Chase offers 24-hour support through its mobile app and website, and for some problems it is faster than holding on the phone. You can use the app or website to check balances, transfer money between accounts, reset your password, view recent transactions, and report a lost or stolen card (though you should still call the fraud line to speak with someone).

Online chat is available through the Chase website and app during extended hours — typically 7 a.m. to 11 p.m. Eastern, seven days a week. Chat is useful for straightforward questions like "what is my current balance" or "how do I set up a payment." For complex disputes, fraud investigations, or problems that require verification, a phone call is faster because the representative can see your full account and make changes in real time.

If you are locked out of your account or cannot access the app, you have no choice but to call. The same applies if you need to dispute multiple transactions or if a previous attempt to resolve something online did not work.

What to do if you cannot reach someone or the wait is too long

If you call during an extremely busy time and the wait exceeds 30 minutes, you have options. First, ask the automated system if it can schedule a callback — some Chase lines offer this feature, and you will receive a call at your number when a representative is available, rather than holding. Second, try calling back during off-peak hours: early morning (6 a.m. to 8 a.m.), late evening (after 7 p.m.), or weekends often have shorter queues.

Third, visit a Chase branch in person if your issue is urgent and you have a location nearby. A teller or personal banker can handle many of the same transactions as a phone representative — balance inquiries, transaction disputes, card replacement, and account changes. Branch hours vary by location, but most are open until at least 5 p.m. on weekdays and some are open on Saturday mornings.

If you are disputing a transaction or reporting fraud, do not wait for a callback. Call the fraud line when ready (1-800-955-9060) because the sooner you report it, the sooner Chase can investigate and potentially reverse unauthorized charges. Fraud has time limits — you typically have 60 days from when you first see an unauthorized charge on your statement to report it.

International calling and TTY/relay services

If you are calling from outside the United States, you can reach Chase at +1-713-216-5700. This is a direct international number and may have different wait times and routing than the toll-free lines. International calling rates explore, so check with your phone provider before calling.

Chase also provides service for customers who are deaf or hard of hearing. You can use a relay service to call any Chase number — dial 711 from any phone to connect to your state's relay service, then provide the Chase number you want to reach. The relay operator will connect you and relay the conversation in real time. This service is free and available 24/7.

Frequently Asked Questions

Is Chase customer service really available 24 hours a day?

Yes, the main consumer line (1-800-935-9935) and fraud line (1-800-955-9060) are both available 24 hours a day, seven days a week. Wait times vary by time of day, but you can reach a representative at any hour. Online chat and the mobile app have more limited hours — typically 7 a.m. to 11 p.m. Eastern.

What if I call and get a message that says the line is closed?

This usually means you have reached a specialty line that does not operate 24/7, such as a business lending department or mortgage services. Hang up and call the main consumer line (1-800-935-9935) instead. If you are calling about a specific product like a mortgage or business loan, ask the representative to transfer you to the right department when you reach someone.

Do I have to pay to call Chase customer service?

No. All Chase toll-free numbers (1-800 and 1-866) are free to call from any phone in the United States. If you are calling from a cell phone, the call counts against your plan's minutes, but there is no additional charge from Chase. International calls are not free.

Can I schedule a callback instead of waiting on hold?

Some Chase lines offer callback scheduling through the automated system. When you call, listen for the option to request a callback, and the system will call you back when a representative is available. Not all lines have this feature, so if you do not hear the option, you will need to hold or call back later.

What if I need to speak to someone about a specific product like a mortgage or auto loan?

Start with the main consumer line (1-800-935-9935) and tell the automated system your issue involves a mortgage, auto loan, or other specific product. You will be routed to the right department. Alternatively, if you have a Chase mortgage or auto loan statement, it usually lists a dedicated customer service number on the back.