Chase's main customer service number and what it covers

Chase's general customer service line is 1-800-935-9935. This number works for most account questions — checking balances, reporting lost cards, asking about fees, or getting a replacement debit card mailed to you. The line is open 24 hours a day, seven days a week.

When you call, you'll hear an automated menu. You can say what you need or press numbers to navigate — the system recognizes both. If you have a Chase debit card, credit card, or checking account, this is the number on the back of your card.

Wait times vary by time of day. Early morning (before 8 a.m.) and late evening (after 8 p.m.) tend to be quieter. Weekday afternoons are usually busier. If you reach an automated system that doesn't solve your problem, you can ask to speak to a person.

Key Takeaways

  • Chase's main customer service number is 1-800-935-9935 and handles most account questions 24 hours a day.
  • Different departments handle mortgages, investment accounts, and business banking, and you may be transferred or given a separate number depending on your account type.
  • You can reach Chase through their website's chat feature or mobile app if you prefer not to call.
  • Have your account number or the card number handy when you call, as this speeds up the process.
  • If you're calling about fraud or a lost card, the automated system will route you quickly without a long wait.

Numbers for specific account types

Chase operates different phone lines for different products. If you have a mortgage with Chase, the customer service number is 1-800-848-9136. This line handles questions about your loan balance, payment options, and refinancing.

For investment accounts or brokerage services through Chase, call 1-800-869-3557. This covers retirement accounts, stock trading, and investment information.

If you have a business checking or business credit card, call 1-800-955-9060. Business accounts have their own support team because the questions are often different from personal banking.

When you call the main number (1-800-935-9935), the automated system will ask what you need and may transfer you to the right department. You can also ask the person who answers to transfer you if you're not sure you've reached the right team.

What information to have ready before you call

Having details ready before you call makes the conversation faster. Gather your account number — you'll find this on your statement, your debit card, or in the Chase mobile app. If you don't have your account number, your Social Security number and date of birth work instead.

If you're calling about a specific transaction, have the date and amount. If you're reporting a lost or stolen card, have the last four digits of the card number. If you're calling about a loan or mortgage, have your loan number.

The automated system will ask for some of this information before connecting you to a person. Entering it into the phone (using your keypad or by speaking) moves you through the queue faster than waiting to tell a representative.

Using Chase's website and app instead of calling

If you prefer not to call, Chase offers other ways to reach support. On the Chase website, you can use the chat feature to message a representative in real time. This is useful for questions that don't need when ready answers or if you're in a place where you can't talk on the phone.

The Chase mobile app also has a messaging feature. Open the app, go to the menu, and look for "Contact Us" or "Chat with us." You can describe your issue and a representative will respond, usually within a few minutes during business hours.

For straightforward questions — like finding an ATM, checking your balance, or reviewing recent transactions — you can often solve the problem yourself in the app or on the website without contacting anyone.

What to expect when you call about common issues

If you're calling to report a lost or stolen debit card, the automated system will route you quickly. You'll confirm the card number and answer a few security questions. Chase can deactivate the card when ready and mail a replacement, usually arriving within five to seven business days.

If you're calling about fraud or unauthorized charges, tell the automated system this right away. You'll be connected to the fraud department, which can freeze your account, reverse charges, and send you a new card. This process usually takes a few minutes on the phone.

For questions about fees — like overdraft charges or monthly maintenance fees — a representative can explain why the fee appeared and sometimes reverse it if it was a mistake or if you've been a customer for a long time. They can also explain how to avoid the fee in the future.

Reaching Chase for specific situations

If you're deaf or hard of hearing, Chase offers TTY service at 1-800-325-0778. This line uses text telephone technology so you can communicate in writing.

If you're calling from outside the United States, you can reach Chase at +1-713-216-5700. This is a collect call number, meaning the charges go to Chase rather than to you. International calls may take longer to connect.

If you have a question about a specific Chase product or promotion you saw advertised, you can also visit a Chase branch in person. A banker there can answer questions about opening new accounts, getting a loan, or understanding a promotion.

What happens if you can't reach anyone

During very busy times, you may hear that wait times are long and be offered a callback instead of holding. If this happens, you can give Chase your phone number and they'll call you back when a representative is available. This usually takes a few hours.

If the phone system is down or you're having trouble connecting, try the Chase website or app. You can also visit a local Chase branch during business hours — most branches are open Monday through Friday, with some open on Saturday mornings.

If you're trying to reach Chase about a time-sensitive issue (like fraud or a payment important date), mention this to the automated system. Fraud and payment issues are usually prioritized over general questions.

Frequently Asked Questions

Is there a number I can call to speak to someone right away without the automated menu?

No — Chase routes all calls through an automated system first. However, you can say "representative" or "agent" at any point, and the system will transfer you to a person. Fraud and lost card calls are usually transferred faster than general questions.

Do I have to call during business hours?

No. The main customer service line (1-800-935-9935) is open 24 hours. However, some specialized departments (like mortgage or investment services) may have limited hours. If you call outside their hours, you'll hear a message with the hours and can leave a callback request.

What if I'm calling about a payment I need to make urgently?

You don't need to call. You can make a payment through the Chase app or website when ready, any time of day. Payments made before 8 p.m. ET usually post the same day. If you need help making a payment, then call the main number.

Can I call Chase to ask about opening a new account?

Yes, but visiting a branch or using the website is often faster for account opening. If you call 1-800-935-9935 and say you want to open an account, you'll be transferred to the right department. You can also start the process online and call if you have questions.

What if I'm calling from a country where Chase doesn't operate?

If you have a U.S. Chase account and are traveling, you can call the international number +1-713-216-5700 (collect). For questions about accounts in other countries, contact the local Chase branch in that country — Chase operates in many countries but under different names and numbers.