You’ve probably seen it. That massive, sweeping skyscraper in the middle of the Loop that looks like it’s curving upward to touch the clouds. If you’ve ever walked past the corner of Dearborn and Madison, you can’t miss it. It’s Chase Tower. Specifically, Chase Bank 10 S Dearborn Chicago.
But here's the thing: most people just see it as a big office building or a place to grab some cash from one of the dozens of ATMs. They miss the soul of the place. Honestly, 10 S Dearborn isn't just a bank branch; it's basically the beating heart of Chicago’s financial district.
More Than Just a Branch: The Story of 10 S Dearborn
The building itself is a beast. Completed in 1969, it stands 850 feet tall. At the time it was built, it was the headquarters for the First National Bank of Chicago. Since then, it’s lived through a few identity crises. It was Bank One Tower for a while, and then, in 2005, it finally became the Chase Tower we know today.
It’s the tallest building inside the "L" tracks. That’s a fun piece of trivia for your next happy hour.
Why the Shape?
The "sloping" design isn't just for show. The architects, C.F. Murphy Associates and Perkins and Will, designed it that way to accommodate different needs. The base is wide because banks back in the day needed huge floor plates for transaction processing and massive vaults. As you go higher, the floors get smaller, which is better for executive offices.
It’s practical. It’s iconic. And it’s a bit of a miracle it still looks so modern after 50-plus years.
What You’ll Find at the Ground Level
If you’re heading to Chase Bank 10 S Dearborn Chicago for actual banking, you’re going to the "Chicago Main" branch. This isn't your neighborhood storefront with two tellers and a bowl of lollipops.
- ATMs Galore: There are 22 ATMs here. Seriously. You almost never have to wait.
- The Plaza: Known as Exelon Plaza, this is the sunken area outside. It’s one of the best spots in the Loop to eat lunch if the weather isn't being "typically Chicago."
- The Masterpiece: You cannot talk about 10 S Dearborn without mentioning Marc Chagall’s "Four Seasons." It’s a massive mosaic wall made of thousands of chips in 250 colors. It was a gift to the city in 1974. Most people walk right past it. Don't be that person.
Branch Hours and Services
Typically, the lobby is open Monday through Friday, 9:00 AM to 5:00 PM. They are closed on weekends, which is standard for the heavy-duty business branches downtown.
They handle everything. You’ve got personal banking, but the real action is in the upper floors where the J.P. Morgan Private Bank and Commercial Banking teams live. If you’re a small business owner in Chicago, this is often the "mothership" where the big decisions get made.
The Secret Life of the Upper Floors
Most folks don't realize that 10 S Dearborn serves as the regional headquarters for JPMorgan Chase’s commercial and retail banking for the U.S. and Canada.
It's a vertical city. There’s a food service level, massive conference centers, and offices for thousands of employees. It’s also the headquarters for Exelon, the energy giant.
The building recently went through some serious renovations. We're talking LEED Platinum certifications and tech upgrades. Even though it’s a "sixties" building, the guts of it are brand new.
Common Misconceptions
One thing people get wrong is thinking they can just wander into the "Sky Lobby" or the upper floors for a view. Nope. Security is tight. Unless you have an appointment with a private client advisor or you work there, you aren't getting past the turnstiles.
Another one? People think the "Chase Tower" in other cities (like Houston) is the same. While J.P. Morgan Chase has towers everywhere, the Chicago one is unique because of that specific "vertical curve" and the sunken plaza.
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How to Get the Most Out of Your Visit
If you have business at Chase Bank 10 S Dearborn Chicago, try to go mid-morning. The lunch rush (12:00 PM to 1:30 PM) is real. The plaza fills up with office workers, and the lines—even with 22 ATMs—can get a bit long.
- Use the Blue Line: The Monroe stop is right there. It’s way easier than trying to park.
- Check the Art: Spend five minutes at the Chagall mosaic. It’s free world-class art.
- The Lower Level: There’s food down there. It’s a bit of a maze, but it’s a lifesaver when it’s snowing.
Making It Practical
If you’re looking for a financial advisor, this branch has some of the highest-rated Private Client Advisors in the Midwest. You can’t just walk in for that, though. Book an appointment online through the Chase locator first.
Honestly, even if you don't bank with Chase, the building is worth a look. It represents an era where banks wanted to look permanent, solid, and a little bit futuristic.
Next Steps for You:
If you're planning to visit for complex banking needs like a mortgage or business line of credit, call ahead at (312) 732-1164 to ensure the specific specialist you need is on-site. If you're just there for the vibes, grab a coffee at a nearby shop and sit by the jet fountain in the plaza. It’s one of the few places in the Loop that feels like it has actual breathing room.