How to know if Chase is actually down or if it's your connection
Chase outages happen, but most of the time when you can't log in or make a payment, the problem is on your end—your internet connection, your browser cache, or your device—not Chase's servers. Before you assume the bank is down, try these steps in order: restart your device, switch from WiFi to mobile data (or vice versa), clear your browser cookies and cache, or try a different browser entirely. If you can still get nothing, check Chase's official status page at chase.com/digital/resources/status, which shows real-time updates on whether their systems are actually offline.
If the status page shows everything is green but you still can't access your account, the outage may be partial—affecting only certain features like mobile deposits, bill pay, or transfers, while login itself works. In that case, try accessing your account through a different method: if the app won't work, use the website on a computer; if the website is slow, try the mobile app. Chase also posts outage notices on their social media accounts and their customer service Twitter account (@AskChase), which often updates faster than the status page itself.
Key Takeaways
- Check chase.com/digital/resources/status first—this is Chase's official outage page and updates in real time.
- Restart your device and try a different browser or connection type before assuming Chase is down, since most login problems are local.
- Chase outages are often partial, affecting only certain features like transfers or mobile deposits while leaving login available.
- If the status page shows no outage but you still can't access your account, contact Chase customer service by phone to confirm whether the problem is on their end.
Where to find Chase's official outage information
Chase maintains a dedicated status page at chase.com/digital/resources/status that lists which services are operational, degraded, or down. The page updates automatically and shows the current status of online banking, the mobile app, bill pay, transfers, credit card services, and other major features. Each service shows a green checkmark if it's working normally, a yellow warning if it's running slowly, or a red X if it's completely offline.
Below the status indicators, Chase posts a timeline of recent incidents—when they started, what was affected, and when service was restored. If an outage is ongoing, this timeline will show the most recent update and an estimated time for resolution, though estimates often slip. For the fastest updates during an active outage, follow @AskChase on Twitter or check Chase's main Facebook page, where customer service representatives post updates more frequently than the status page refreshes.
What to do if you need to make a payment during an outage
If Chase's online banking or app is down and you have a time-sensitive payment due, you have several backup options. Call Chase customer service at the number on the back of your debit or credit card—representatives can process bill payments, transfers, and other transactions over the phone, though you'll need to verify your identity first. This route works even if their digital systems are completely offline because customer service uses a separate phone system.
If the outage affects only certain features (like bill pay or transfers) but not others, use whichever method is still working. For example, if you can't transfer money through the app, log in on the website instead. If you need to pay a bill and Chase's bill pay is down, contact the company you owe money to directly and ask if they accept payment by phone or mail; most utilities, credit card companies, and loan servicers do. Never wait until the last day to make a payment if you know an outage is happening—process it as soon as service is restored to avoid a late payment.
How long Chase outages typically last
Most Chase outages last between 30 minutes and 4 hours. Routine maintenance windows, which Chase schedules in advance and announces on their status page, usually take 2 to 3 hours and happen during off-peak times like early morning or late evening. Unplanned outages—caused by technical failures, security incidents, or overwhelming traffic—vary widely; some are resolved in under an hour, while others can stretch to 8 hours or longer if the root cause is complex.
Chase publishes a maintenance schedule on their status page, typically showing planned downtime 24 to 48 hours in advance. If you see a scheduled maintenance window listed, avoid making time-sensitive payments during that window. For unplanned outages, Chase updates the status page every 15 to 30 minutes with new information, so check back periodically rather than refreshing constantly—frequent refreshes can actually slow down their servers further.
Why outages happen and what triggers them
Chase's systems go down for two main reasons: planned maintenance and unplanned failures. Planned maintenance includes software updates, security patches, database upgrades, and infrastructure work—Chase schedules these during nights and weekends to minimize impact. Unplanned outages result from hardware failures, network problems, cyberattacks, or unexpected spikes in traffic (like when millions of customers try to log in simultaneously after a major news event).
Chase also experiences partial outages where some features work but others don't. These often happen when one part of their system fails but the rest stays online—for example, a problem with their bill pay servers wouldn't affect your ability to log in or check your balance. The status page breaks down which specific services are affected, so you can see whether the feature you need is working even if other parts of the bank are experiencing problems.
What to do if you see suspicious activity during an outage
If Chase is down and you notice unauthorized transactions on your account, report them as soon as service is restored. Call the fraud number on the back of your card or contact Chase directly at 1-800-935-9935. During an outage, you can still call this number—fraud monitoring runs on separate systems from online banking. Have your card ready and be prepared to describe each suspicious transaction, including the date, amount, and merchant.
Chase's fraud liability policy protects you from unauthorized charges if you report them within 60 days of the statement date. Outages do not extend this window, so don't delay reporting. If you're concerned that an outage created a security vulnerability that led to fraud, mention this when you call—Chase's fraud team will note it in your account. In the meantime, consider temporarily freezing your credit with the three major bureaus (Equifax, Experian, TransUnion) if you believe your account information was compromised.
Frequently Asked Questions
How do I know if Chase is down or if it's just my account?
Check the status page at chase.com/digital/resources/status. If it shows green for all services, the problem is likely on your end. Try restarting your device, clearing your browser cache, or switching to a different browser. If the status page shows red or yellow for a service you're trying to use, Chase is experiencing an outage.
Can I still access my money if Chase is down?
Yes. You can call Chase customer service to make payments or transfers over the phone, visit an ATM to withdraw cash, or use your debit card at a store. Online and mobile access may be unavailable, but your money is still there and accessible through other channels.
Will I be charged a late fee if I can't pay a bill because Chase is down?
No. If you can show that you attempted to make a payment during a documented Chase outage and the payment failed because of it, Chase will waive any late fees. Call customer service and explain the situation—they have records of outages and can reverse fees if the timing matches.
What should I do if the status page says everything is fine but I still can't log in?
The problem is almost certainly on your end. Try clearing your browser cache, using a different browser, switching from WiFi to mobile data, or restarting your device. If none of that works, call Chase customer service at the number on your card and describe what's happening—they can troubleshoot your specific account.
Does Chase notify customers about outages?
Chase posts outages on their status page and social media accounts (@AskChase on Twitter), but they don't send automatic text or email alerts unless you've signed up for specific account notifications. Check the status page directly if you suspect an outage rather than waiting for a notification.