Don’t panic! Getting locked out for too many wrong passwords happens to everyone. Chase does this to protect your money. You’ll be back in your account quickly if you follow these steps. No jargon, just clear fixes.
⚠️ Chase will NEVER:
- Ask for your full password/PIN over phone/email
- Demand you “verify” money by transferring it
- Threaten to close your account if you don’t act NOW
🔄 Step 1: Wait It Out (The 24-Hour Rule)
- What happened: You entered wrong credentials 3-5 times.
- The fix: Stop trying to log in. Most temporary locks lift automatically in 24 hours.
- Do this instead:
→ Set a phone reminder for tomorrow.
→ Use Chase’s ATM with your card for cash if needed.
→ Check texts/email – Chase often sends an alert explaining the lock.
📞 Step 2: Call Chase Support (Fastest Fix After 24 Hours)
Use this if waiting didn’t work or you need access urgently.
- Dial Chase Customer Service:
→ UK: 0800 376 3333
→ Abroad: +44 113 278 8300
*(Lines open 24/7)* - Say this:
“My online account is locked after too many login attempts. I need help unlocking it.” - Verify Your Identity:
→ Be ready to provide:- Full name & address
- Last 4 digits of your Chase card
- Recent transaction details (£5 coffee on Tuesday?)
- Your date of birth
- Get Instructions:
→ The agent will either:- Unlock it immediately
- Reset your password over the phone
- Send a secure code to your phone/email
- Test Login:
→ Hang up → Try logging in with your original password.
→ If reset, use the new password they gave you.
💻 Step 3: Reset Password Online (If You Can Access Recovery)
Works if you see “Forgot username/password?” options:
- Go to Chase Login Page
- Click “Forgot username/password?”
- Enter your:
→ Email address
→ Chase card number (16 digits)
→ Social Security Number (SSN) or Tax ID - Choose “Unlock account” or “Reset password”.
- Verify via text/email code.
- Create a new strong password:
→ Mix letters + numbers + symbols (Chase$2024!)
→ Not your pet’s name or “password123”!
🏦 Step 4: Visit a Branch (If All Else Fails)
Bring:
- Photo ID (Passport/Driver’s Licence)
- Chase debit card (if you have it)
- Proof of address (utility bill < 3 months old)
What to say:
“My online account is locked. I need help unlocking it and resetting my password.”
→ Staff will verify you and fix it in 10 minutes.
Find branches:
→ Use Chase Branch Locator
🔒 Avoid Future Lockouts:
| Do This ✅ | Avoid This ❌ |
|---|---|
| Save passwords in Apple Keychain/Google Password Manager | Writing passwords on sticky notes |
| Enable 2-factor authentication (Settings > Security) | Using public Wi-Fi to log in |
| Update password every 6 months | Reusing same password everywhere |
| Use biometric login (Face ID/fingerprint) | Sharing passwords via text/email |
⚠️ Troubleshooting Tips
| Problem | Solution |
|---|---|
| “Account still locked after 24h” | Call support – don’t keep waiting. |
| Can’t receive security codes | Check spam folder → Ensure phone has signal → Update contact info in-branch. |
| Forgot email/card number | Call support – have ID ready. |
| Hacked account suspicion | Call Chase IMMEDIATELY on 0800 376 3333 → Freeze cards. |
❓ FAQs (Real People Questions)
Q1: Will my money be safe while locked?
→ YES! Locking only blocks online access. Your money is untouched.
Q2: Can I use my card in shops/ATMs while locked out?
→ YES! Physical cards still work unless you reported them lost.
Q3: How many tries before Chase locks me out?
→ Usually 3-5 failed attempts.
Q4: “Chase blocked my number!” – Can’t get codes?
→ Visit a branch with ID → Update your phone/email on file.
Q5: Will unlocking affect my credit score?
→ NO. Account locks aren’t reported to credit agencies.
Q6: Can I unlock via the Chase app?
→ Only if you can still open the app. If fully locked out, call/visit branch.
✅ You’re Back In Business!
Getting locked out is frustrating but easy to fix. Remember:
- Wait 24 hours first.
- Call 0800 376 3333 if it doesn’t unlock.
- Reset your password securely.
- Enable 2FA to avoid repeats.
🔐 Security first! If you didn’t cause the lockout, call Chase ASAP – it might be fraud.
Need help now?
📞 UK: 0800 376 3333
🌎 Abroad: +44 113 278 8300
💻 Secure Message: Log in → “Secure Messages” (if unlocked)
