Check Chase's official status page first

Chase publishes a real-time status page at chase.com/digital/resources/status that shows whether their online banking, mobile app, and other services are working. This is the fastest way to confirm whether an outage is happening and which services are affected. The page updates every few minutes during an incident and displays the status of specific features like bill pay, transfers, and mobile check deposit.

If the status page shows all systems operational but you still cannot access your account, the problem is likely on your end — your internet connection, your device, your browser, or your login credentials — rather than a Chase outage. This distinction matters because it changes what you should do next.

Key Takeaways

  • Chase's official status page at chase.com/digital/resources/status shows real-time information about outages and which specific services are affected.
  • During a confirmed outage, you can still reach Chase by phone at 1-800-935-9935 to handle urgent transactions, report fraud, or answer account questions.
  • If Chase's status page shows everything is working but you cannot log in, the issue is usually your internet connection, browser cache, cookies, or password rather than a bank outage.
  • Chase typically posts updates about major outages on their Twitter account (@ChaseBank) and in the app notification center within minutes of an incident.
  • Most Chase outages last between 30 minutes and 2 hours, and your debit card and ATM access continue working even when the website and app are down.

What to do if you cannot access your account

Before assuming Chase is down, try these steps in order: clear your browser cache and cookies, try a different browser or device, restart your computer or phone, and check that your internet connection is working by visiting another website like Google or your email. Many login problems that feel like outages are actually caused by cached data, browser extensions, or connection issues on the user's side.

If other websites load fine but Chase still will not work, and the status page shows no outage, try the Chase mobile app instead of the website, or vice versa. Sometimes one platform has a temporary glitch while the other works normally. You can also try logging in from a different network — for example, if you are on your home WiFi, try using your phone's cellular data instead.

If you have recently changed your password or enabled two-factor authentication, verify that you are entering your credentials correctly. Chase's login system will lock your account temporarily after several failed attempts, which can feel like an outage but is actually a security feature.

How to reach Chase during an outage

If Chase is down and you need to handle something urgent — like reporting fraud, stopping a payment, checking your balance, or confirming a transaction — call 1-800-935-9935. This number works during outages because it routes to phone representatives who can access your account through internal systems separate from the public website and app.

Have your account number, Social Security number, and a recent transaction ready. Phone representatives can confirm your identity and complete most transactions without requiring you to log in online. They can also tell you whether the outage is affecting all customers or just some, and provide an estimated time for restoration.

How long Chase outages typically last

Most Chase outages last between 30 minutes and 2 hours. Longer outages are rare and usually happen during scheduled maintenance windows, which Chase announces in advance through email and in-app notifications. Unplanned outages are generally resolved faster than scheduled maintenance because the bank prioritizes getting systems back online.

During a known outage, Chase's status page will show an estimated time for restoration. If no estimate appears, the bank is still investigating the cause. Major outages affecting millions of customers may take longer to resolve than smaller, isolated incidents.

Check Chase's social media and app notifications

Chase posts updates about major outages on their Twitter account (@ChaseBank) and in the notification center of the mobile app. Following their social media or enabling push notifications can alert you to outages before you try to log in and get frustrated.

The in-app notification center is often the fastest way to learn about outages because Chase can push notifications to all users at once, whereas social media updates depend on you checking the feed. If you have the Chase app installed, you will usually see a banner at the top of the app during an outage explaining what is happening.

Your debit card and ATM still work during outages

Outages to Chase's website and app do not affect your debit card or ATM access. Your card will work at stores and ATMs because those transactions route through separate payment networks, not through Chase's online banking system. You can withdraw cash, make purchases, and use contactless payments even when the website is completely down.

This is an important distinction because many customers assume a Chase outage means they cannot access their money. In reality, only online banking and the mobile app are affected during most outages.

Frequently Asked Questions

Why is Chase down so often?

Chase is not down more often than other large banks. Most users experience an outage only a few times per year. When outages do happen, they tend to be noticed more because Chase has millions of customers, so even a brief disruption affects many people simultaneously and generates social media discussion.

What should I do if I see a suspicious transaction during an outage?

Call 1-800-935-9935 to report it. Phone representatives can file a fraud claim and freeze your account even when the website is down. Have your card and a description of the suspicious transaction ready when you call.

Does Chase notify customers before scheduled maintenance?

Yes. Chase sends email notifications and in-app alerts several days before scheduled maintenance windows. These outages are usually brief and happen during early morning hours to minimize disruption to customers.

Can I still use my Chase debit card if the website is down?

Yes. Outages to Chase's website and app do not affect your debit card or ATM access. Your card will work at stores and ATMs because those transactions route through separate payment networks, not through Chase's online banking system.

How do I know if it is a Chase outage or a problem with my device?

Check the Chase status page first. If it shows all systems operational, the problem is on your end. Try clearing your browser cache, restarting your device, or using a different browser. If other websites load fine but Chase does not, and the status page shows no outage, contact Chase at 1-800-935-9935 for help troubleshooting.