The fastest way depends on what you need
Chase has different phone numbers for different problems, and calling the wrong one wastes time. If you have a credit card, call the number on the back of your card — that routes you to the right department immediately. For a checking or savings account, call 1-800-935-9935. For investment or brokerage questions, use 1-800-742-7117. If you do not know which account type you have, the main customer service line is 1-800-CHASE-NY (1-800-242-7369), though you may be transferred after explaining your issue.
Chase also offers 24/7 chat through its website and mobile app, which works well for account questions, balance checks, and simple transactions. You can start a chat at chase.com or through the Chase Mobile app without logging in. For urgent fraud or security issues, call the number on your card or statement immediately — do not use chat for these.
If you need to speak to someone in person, you can visit any Chase branch during business hours. Most branches are open Monday through Friday, with limited Saturday hours; Sunday hours vary by location. Use the branch locator at chase.com to find the nearest one and confirm its hours before you go.
Key Takeaways
- The number on the back of your card routes you to the right department faster than the main line, and Chase answers most calls within a few minutes during business hours.
- Chat through the Chase app or website works 24/7 for routine questions but is not suitable for fraud or security emergencies.
- Different account types have different phone numbers: 1-800-935-9935 for deposit accounts, 1-800-742-7117 for investments, 1-800-CHASE-NY for general questions.
- In-person visits to a branch work best when you need to deposit cash, open a new account, or handle something too complex for phone or chat.
- Wait times are shortest early in the morning on weekdays and longest on Mondays and around the first of the month when bills are due.
Phone numbers by account type and issue
Deposit accounts (checking, savings, money market): 1-800-935-9935. This is the main line for everyday questions about your balance, transfers, fees, or account changes. You can also reach fraud prevention through this number if your debit card is compromised.
Credit cards: The number on the back of your card. This line handles billing questions, payment issues, fraud reports, and credit limit changes. If you have lost your card, call this number immediately — Chase can freeze it within seconds.
Investment and brokerage accounts: 1-800-742-7117. Use this for questions about stocks, mutual funds, retirement accounts, or trading.
Mortgage and home equity: 1-800-848-9136. This line handles payment questions, refinancing, escrow issues, and loan modifications.
Auto loans: 1-800-935-9935 (same as deposit accounts). You can also reach auto loan specialists through this line.
General customer service or if you are unsure: 1-800-CHASE-NY (1-800-242-7369). This line can route you to the correct department, though it may take longer than calling the specific number for your account type.
Using Chase chat and online messaging
Chase offers chat through chase.com and the Chase Mobile app. You do not need to log in to start a chat, though logging in lets the agent see your account details and speeds up the conversation. Chat is available 24 hours a day, seven days a week.
Chat works well for routine questions: checking your balance, reviewing recent transactions, asking about fees, or requesting a password reset. You can also use chat to report a lost or stolen debit card, though calling the number on your card is faster if you need it frozen immediately.
Chat is not suitable for complex disputes, fraud investigations, or situations where you need to provide sensitive documents. For those, ask the chat agent to schedule a callback or direct you to the phone line that handles your issue.
Response times in chat are usually one to three minutes during business hours. If the queue is long, you can leave a message and a specialist will contact you within 24 hours.
Visiting a Chase branch in person
Go to a branch if you need to deposit cash, withdraw a large amount, open a new account, or sign documents. Branches can also help with fraud disputes, account freezes, and other issues that require verification of your identity.
Most Chase branches are open 9 a.m. to 5 p.m. Monday through Friday, with some locations open until 6 p.m. or later. Saturday hours are typically 9 a.m. to 1 p.m., and many branches are closed on Sunday. Hours vary by location, so check the branch locator at chase.com before you go.
You will need a photo ID to conduct most transactions. If you are opening a new account, bring a second form of ID and proof of address (a utility bill or lease works). Bring your account number or the card associated with the account you want to discuss.
Wait times are usually shortest on Tuesday through Thursday mornings and longest on Mondays, Fridays, and the first few days of the month. If you want to avoid a wait, call ahead and ask if you can schedule an appointment with a banker.
What to have ready before you call
Have your account number or card number ready. If you are calling about a specific transaction, have the date and amount. If you are reporting fraud or a lost card, have the date you first noticed the problem.
If you are calling about a payment or transfer that did not go through, have the confirmation number if you have one, or the date you initiated it. If you are disputing a charge, have the merchant name and the date it posted to your account.
For security reasons, Chase will ask you to verify your identity by providing your Social Security number, date of birth, or answers to security questions you set up when you opened the account. Have this information ready so the call moves faster.
Handling fraud and security emergencies
If your card is lost or stolen, call the number on the back of your card immediately. Chase can freeze it within seconds, and you will not be liable for unauthorized charges made after you report it. If you do not have your card, call 1-800-935-9935 for deposit accounts or the general line 1-800-CHASE-NY.
If you see unauthorized transactions on your account, call the fraud line on the back of your card or your statement right away. Do not wait for a callback or chat response — fraud investigations move faster when you report by phone. Chase will open a dispute and may issue a temporary credit while they investigate.
If your online banking password has been compromised or you suspect someone has accessed your account, log out immediately and call your account line. Do not use chat for this — call the number on your card or statement.
Frequently Asked Questions
How long does it take to reach a Chase representative?
Wait times vary by time of day and day of week. Early morning calls on Tuesday through Thursday usually connect within two to five minutes. Monday mornings and Friday afternoons often have longer waits of 10 to 20 minutes. Chat responses are typically one to three minutes during business hours.
Can I schedule a callback instead of waiting on hold?
Yes. When you call, you can ask the automated system to schedule a callback, and a representative will call you back within a set timeframe. This is useful if you are calling during a busy time or do not want to stay on hold. You can also request a callback through chat.
What if I need to dispute a charge on my credit card?
Call the number on the back of your credit card and ask to open a dispute. Chase will investigate and typically issue a temporary credit within two to three business days while they gather information from the merchant. The full investigation usually takes 30 to 60 days. You can also start a dispute through your online account or the app, though calling is faster.
Is there a way to avoid the phone queue?
Chat is usually faster than phone during peak hours. You can also use the Chase Mobile app to handle many routine tasks — checking your balance, making transfers, paying bills, or resetting your password — without contacting anyone. For in-person help, visiting early on a weekday morning or calling ahead to schedule an appointment reduces wait time.
What should I do if I cannot reach Chase after multiple attempts?
If you have been trying to reach Chase for a legitimate issue and cannot get through, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov. You can also contact your state's banking regulator or attorney general's office. Document the dates and times you tried to reach Chase and what issue you were calling about.