How to tell if Chase is actually down or if it's a problem on your end
Chase outages happen, but most of the time when you can't log in or see your account, the problem is on your device or connection, not Chase's servers. Before you assume the bank is down, try these steps: restart your phone or computer, clear your browser cache, try a different browser, or switch from WiFi to mobile data (or vice versa). If the Chase website loads but your account won't, the issue is usually your login credentials or a temporary glitch, not a widespread outage.
If those steps don't work, check whether Chase's systems are actually down. Chase publishes real-time status updates on their official status page at status.chase.com. This page shows which services are working and which are experiencing delays or outages. You can also call Chase customer service at the number on the back of your card — if you reach a representative, the bank's main systems are up.
Key Takeaways
- Most login problems are caused by your device, browser, or internet connection, not by Chase being down — restart and try a different connection method first.
- Chase's official status page at status.chase.com shows real-time information about which services are working and which are experiencing problems.
- If you can reach Chase customer service by phone, the bank's core systems are operational even if you're having trouble with the website or app.
- During major outages, Chase typically posts updates on their social media accounts and sends notifications to the Chase mobile app.
Check the official Chase status page
The fastest way to confirm an outage is to visit status.chase.com directly from another device or network if possible. This page shows the status of Chase Online, the Chase mobile app, bill pay, transfers, and other services. Each service will show a green checkmark (operational), yellow indicator (degraded performance), or red indicator (down). The page updates in real time and shows the time of the last update.
The status page also displays a history of recent incidents, so you can see if Chase has had problems in the past few hours or days. If you see a red indicator next to the service you're trying to use, Chase is aware of the problem and is working on it. In that case, waiting 15 to 30 minutes and trying again is usually the right move.
What to do if you can't access your account during an outage
If Chase's systems are down and you need to access your money urgently, you have a few options. If you have a Chase debit card, you can withdraw cash from any Chase ATM or use your card at a store. ATMs usually work even when the website and app are down because they connect to a separate system. If you need to make a payment or transfer money, call Chase customer service at the number on your card — representatives can often process transactions manually even when the online systems are temporarily unavailable.
For bill payments that are due soon, contact the company you're paying directly and let them know you're experiencing a banking outage. Most creditors and utilities will not penalize you for a late payment if you can show you attempted to pay during a known Chase outage. Keep a record of when you tried to pay and what error message you received.
Outages that affect only the app or website
Sometimes Chase's website is down but the app works, or vice versa. This usually means the problem is with one specific system, not the entire bank. If the website is down but the app works, use the app to check your balance and make transfers. If the app is down but the website works, use a browser instead. You can also call customer service or visit a branch in person.
These partial outages are usually resolved within an hour or two. Chase prioritizes getting the mobile app back online because most customers use it more frequently than the website. If you see that only one service is affected, you don't need to wait for everything to come back up — switch to whichever tool is working.
How to stay informed during an outage
Chase sends notifications to the Chase mobile app when there are known outages affecting a large number of customers. You'll see a banner at the top of the app explaining what's down and when Chase expects to have it fixed. The bank also posts updates on their official social media accounts — @Chase on Twitter and their Facebook page — so following those accounts can help you get real-time information.
If you're waiting for a specific transaction to go through during an outage, don't submit it multiple times. Duplicate submissions can cause problems once the system comes back online. Submit once, note the time, and wait for the outage to clear before checking whether it went through.
When to contact Chase customer service
Call Chase customer service if you need to report a transaction that didn't go through during an outage, if you're locked out of your account for a reason other than an outage, or if you need to make an urgent payment or transfer. The customer service number is on the back of your debit or credit card. You can also visit a Chase branch in person during business hours.
Have your account number, card number, or Social Security number ready when you call. If there's a widespread outage, wait times will be longer than usual because many customers are calling at the same time. If you can resolve your issue through the app or website once they're back online, that's usually faster than calling.
Frequently Asked Questions
How long do Chase outages usually last?
Most outages last between 15 minutes and two hours. Larger outages affecting multiple systems can last longer, sometimes four to six hours. Chase's status page will give you an estimated time for restoration, though that estimate can change as technicians work on the problem.
Will I be charged fees if I can't pay a bill during a Chase outage?
No. If you can show that you attempted to pay during a known outage, Chase and most creditors will not charge late fees. Contact the company you're paying and explain the situation. Keep screenshots of error messages or the Chase status page as proof.
Can I still use my Chase debit card if the app and website are down?
Yes. Your debit card works independently of the app and website because it connects to a separate payment network. You can use it at stores, ATMs, and online retailers even during an outage. You just won't be able to check your balance or see recent transactions until the systems come back online.
Is there a way to know about outages before they happen?
Chase doesn't announce outages in advance. They occur unexpectedly due to technical problems, system maintenance, or security issues. You can follow Chase's social media accounts to see if they post maintenance notifications, but most outages are not predictable.
What if the status page says everything is fine but I still can't log in?
The problem is likely on your end. Clear your browser's cache and cookies, try a different browser, restart your device, or switch your internet connection. If you're using the app, try uninstalling and reinstalling it. If none of that works, call Chase customer service to verify your account is not locked or compromised.