Chase Bank Holiday Schedule: When Will Branches Be Closed?


Planning a trip to the bank only to find a "closed" sign on the door can be a major inconvenience, especially when you have time-sensitive financial matters to handle. To help you manage your money effectively, it is vital to know the Chase Bank holiday schedule.

As a national financial institution, Chase Bank follows the holiday observances set by the Federal Reserve System. On these specific days, physical branch locations across the United States are closed, and certain banking services, such as wire transfers and check processing, may be delayed.

In this guide, we provide a clear breakdown of when Chase branches close, how holidays affect your transactions, and how you can still access your funds when the doors are locked.

Chase Bank Holiday Calendar: Key Closure Dates

Because Chase aligns its schedule with federal holidays, you can expect all branches to be closed on the following days each year. If a holiday falls on a Sunday, banks typically observe it on the following Monday. If it falls on a Saturday, branches are generally closed on that Saturday, though the preceding Friday usually remains an active business day for retail branches.

Major Bank Holidays

  • New Year’s Day: January 1

  • Martin Luther King, Jr. Day: Third Monday in January

  • Presidents' Day (Washington's Birthday): Third Monday in February

  • Memorial Day: Last Monday in May

  • Juneteenth National Independence Day: June 19

  • Independence Day: July 4

  • Labor Day: First Monday in September

  • Columbus Day / Indigenous Peoples' Day: Second Monday in October

  • Veterans Day: November 11

  • Thanksgiving Day: Fourth Thursday in November

  • Christmas Day: December 25

Note on Early Closures: On the day before a major holiday (like Christmas Eve or New Year's Eve), some branches may choose to close early, often at 2:00 PM or 3:00 PM. It is always best to check the "Store Locator" on the Chase website for specific local branch updates.

How Holiday Closures Affect Your Money

When Chase Bank is closed for a holiday, it isn't just the physical building that stops; several backend financial processes also take a "day off." Here is what you should expect regarding your transactions:

1. Direct Deposits and ACH Transfers

If your payday falls on a federal holiday, your direct deposit might be delayed by one business day. Because the Federal Reserve's settlement system is closed, funds cannot move between banks on these dates. Most employers adjust for this by sending payroll a day early, but it is wise to confirm with your HR department.

2. Check Processing

If you deposit a check via a Chase ATM or the mobile app on a holiday, the processing time will not begin until the next business day. For example, a check deposited on a holiday Monday will be treated as if it were deposited on Tuesday morning.

3. Wire Transfers

Domestic and international wire transfers cannot be completed on bank holidays. If you initiate a wire on a holiday, it will remain in a "pending" status until the bank reopens.

Banking Options When Branches Are Closed

The good news is that "the bank being closed" no longer means you are cut off from your finances. Chase provides several robust digital tools that operate 24 hours a day, 365 days a year.

  • Chase Mobile® App: You can check balances, transfer money between accounts, and pay bills anytime. The QuickDeposit℠ feature allows you to deposit checks using your phone’s camera even while the branch is closed.

  • 24/7 ATMs: Chase’s network of ATMs allows for more than just cash withdrawals. You can deposit stacks of cash, deposit checks, and even see your recent transaction history.

  • Zelle®: Need to pay someone immediately? You can send and receive money through the Chase app via Zelle, which typically processes within minutes, regardless of whether it is a holiday.

  • Telephone Banking: Automated phone systems are usually available for basic account inquiries and card activations on holidays.

Summary Table: Holiday Impact on Services

ServiceStatus on HolidaysAction Required
In-Branch Teller ServiceClosedVisit before or after the holiday.
ATM Withdrawals/DepositsAvailableNo action needed; standard limits apply.
Mobile Check DepositAvailableFunds may be delayed until next business day.
Online Bill PayAvailableSchedule payments 1-2 days early to avoid delays.
Wire TransfersUnavailablePlan for processing on the next business day.

Proactive Tips for Holiday Banking

To avoid any financial hiccups, try to handle significant transactions—like large cash withdrawals or opening new accounts—at least two business days before a major holiday. This ensures that any "hold" periods or processing times are cleared before the long weekend begins.

By staying ahead of the holiday schedule, you can ensure your financial life stays on track while you enjoy your time off.



What Time Does Chase Bank Close? Everything You Need to Know


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