Chase's main customer service number is 1-800-935-9935

That number connects you to Chase Bank's general customer service line. It works for most account questions, fraud reports, card issues, and general banking needs. The line operates 24 hours a day, seven days a week. When you call, you'll navigate an automated menu that routes you to the right department based on what you need.

Chase also maintains separate numbers for specific services — credit cards, mortgages, auto loans, and investment accounts each have their own lines. If you know which service you need, calling the dedicated number can get you to the right team faster than the main line.

Key Takeaways

  • The main Chase customer service number 1-800-935-9935 handles most banking questions and operates around the clock.
  • Chase maintains separate phone lines for credit cards (1-800-432-3117), mortgages (1-800-848-9136), and auto loans (1-800-955-9060).
  • Have your account number or the phone number associated with your account ready before you call.
  • Wait times are typically shorter during weekday business hours, and the automated system can resolve some issues without speaking to a representative.

Dedicated numbers for specific Chase products

If you have a Chase credit card, calling 1-800-432-3117 connects you directly to the credit card department. This line handles disputes, fraud, rewards questions, and account changes specific to your card. It's faster than the main line if your issue involves a credit card.

Chase mortgage customers can reach the home loan team at 1-800-848-9136. This number handles questions about your mortgage payment, refinancing, loan modifications, and escrow accounts. If you're a Chase auto loan customer, 1-800-955-9060 connects you to that department for payment questions, loan payoff information, and account changes.

For investment and brokerage accounts through Chase, call 1-800-869-3557. This line serves customers with Chase investment services, retirement accounts, and wealth management questions.

What to have ready before you call

Chase's automated system can verify your identity using information you provide over the phone. Before you call, have your account number available — it appears on your statements and in your online banking portal. If you don't have your account number, the phone number registered to your account works as an alternative for verification.

If you're calling about a specific transaction or issue, have the date and amount ready. For fraud or dispute calls, have details about what happened and when you first noticed the problem. This information helps the representative understand your situation faster and resolve it more quickly.

When to use online or in-app options instead

Chase's mobile app and website handle many issues without a phone call. You can report a lost or stolen card, freeze or unfreeze your debit card, change your PIN, update your address, and view recent transactions directly in the app. The website also lets you set up bill pay, transfer money between accounts, and download statements.

For fraud disputes on credit cards, you can start the process online or through the app, though you may need to speak with a representative to complete it. Chase also offers secure messaging through your online account, which lets you contact customer service without calling and receive a response within one business day.

Wait times and best times to call

Chase customer service lines are busiest on weekday mornings and early afternoons. If you can call on a weekday evening or weekend morning, you'll typically wait less time to speak with a representative. Early morning calls — before 9 a.m. — often have shorter queues than mid-morning.

The automated system can handle some requests without connecting you to a person. If your issue is straightforward — like reporting a card lost, checking your balance, or making a payment — the automated menu may resolve it completely. This can be faster than waiting for a representative, even during slow periods.

What to do if you can't reach Chase by phone

If you're having trouble getting through or prefer not to call, Chase offers several alternatives. You can visit a Chase branch in person to speak with a banker about most account issues. Branch hours vary by location, and some branches have extended hours on certain days.

Chase's website includes a contact form for non-urgent questions, and the mobile app has a secure messaging feature. For complaints about Chase's service or billing practices, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) through their website. The CFPB investigates complaints and forwards them to Chase, which must respond within 15 days.

Frequently Asked Questions

Is there a Chase customer service number that doesn't use an automated system?

All Chase customer service numbers use an automated menu system initially. However, you can usually reach a live representative by following the prompts or saying "representative" when prompted. Some branches also have direct banker lines that bypass the automated system, though these are typically for existing customers with established relationships.

What if I'm calling from outside the United States?

Chase's main numbers are designed for calls within the U.S. If you're calling from abroad, you'll need to use the international dialing prefix for the United States (011 from most countries) followed by the number. International calling rates apply. Check with your phone provider about costs before calling.

Can I schedule a callback instead of waiting on hold?

Some Chase departments offer callback options during peak times. When you call, listen to the menu options — if a callback is available, it will be offered. You provide your number, and Chase calls you back when a representative is available, saving you from holding.

What if I need to report fraud after hours?

Chase's fraud line operates 24/7, so you can report fraud or a stolen card at any time by calling the main number (1-800-935-9935) or your card's dedicated line (1-800-432-3117 for credit cards). The automated system can freeze your card immediately while you wait for a representative.

Does Chase have a number for small business accounts?

Yes. Chase business customers can reach business customer service at 1-800-955-9060 for general business banking questions. Business credit cards, merchant services, and commercial loans have their own dedicated lines. Check your business account statements or the Chase business website for the specific number for your service.