Chase branches are closed on Columbus Day, but you can still access your money

Chase observes Columbus Day as a federal holiday, so all Chase branches will be closed on that day. You won't be able to walk into a branch or speak to a teller in person. However, you can still move money, pay bills, check your balance, and handle most banking tasks through Chase's digital channels — the mobile app, website, or phone banking — which run 24/7.

If you need cash before the holiday, withdraw it the business day before. If you need to deposit a check, you can use a Chase ATM or mobile deposit (taking a photo of the check through the app) before the branch closes. Both methods let the deposit post before the holiday.

Key Takeaways

  • All Chase branches close on Columbus Day, but ATMs and online banking stay available around the clock.
  • You can deposit checks through the Chase mobile app or at an ATM before the holiday if you need the funds to post quickly.
  • Withdrawals, transfers, and bill payments all work through the Chase app or website on Columbus Day itself.
  • If you need to speak to someone, Chase phone banking is available, though wait times may be longer on or near the holiday.

What you can do on Columbus Day without a branch

The Chase mobile app and website let you handle nearly everything a teller would do: transfer money between your accounts, send money to other people, pay bills, deposit checks by photo, and check your balance. These services don't stop for holidays.

Chase ATMs also work on Columbus Day. You can withdraw cash, deposit cash or checks, and transfer money between accounts at any Chase ATM. If you use an ATM outside the Chase network, you may pay a fee, so stick to Chase machines if you can.

If you need to speak to someone, Chase phone banking operates on Columbus Day. Call the number on the back of your debit or credit card. Wait times are often longer on holidays, so call early in the day if possible.

When deposits post if you use Columbus Day

The timing depends on how you deposit. Mobile check deposits (photographing the check through the app) usually post within one business day. ATM deposits may take longer — often one to two business days. If you deposit on Columbus Day itself, the deposit won't post until the next business day (Tuesday, if Columbus Day falls on Monday).

If you need the money to be available sooner, deposit before the holiday closes. A deposit made Monday through Friday before the holiday will post by the next business day. This matters most if you're counting on that money for a payment or withdrawal right after the holiday ends.

Planning ahead for the holiday

If you know you'll need cash or need to make a deposit, do it the business day before Columbus Day. Withdraw what you'll need, or deposit checks and let them post before the branch closes. This keeps you from being caught short if something unexpected comes up during the holiday.

If you have a time-sensitive payment due on or just after Columbus Day, set it up through the Chase app or website a few days early. You can schedule bill payments in advance, and Chase will send the payment on the date you choose. This is especially important if the payment has a important date — scheduling it early removes the risk that the holiday will delay it.

What happens if you have an urgent banking problem

If something goes wrong — a fraudulent charge, a missing deposit, a locked account — call Chase phone banking on Columbus Day. They can't reopen a branch, but they can freeze a card, dispute a charge, or investigate a missing deposit. The phone number is on the back of your card.

If the problem can wait until the next business day, you can also visit a branch in person or use the Chase app to message a representative through find chat (available in the app under "Help & Support"). find chat lets you describe the problem in writing and get a response, though response times may be slower on or near the holiday.

How Columbus Day affects payroll and automatic payments

Direct deposits scheduled for Columbus Day will post on the next business day instead. If your paycheck normally arrives on a Monday that falls on Columbus Day, it will arrive on Tuesday. Check with your employer if you're unsure whether your pay schedule accounts for the holiday.

Automatic bill payments you've set up will process on their scheduled date, but the recipient may not receive or process them until the next business day. If you're worried about a payment being late, you can log into the Chase app and reschedule it for the business day before the holiday.

Frequently Asked Questions

Can I use a Chase ATM on Columbus Day?

Yes. Chase ATMs operate 24/7, including on Columbus Day. You can withdraw cash, deposit checks or cash, and transfer money between accounts. If you use a non-Chase ATM, you may be charged a fee.

Will my direct deposit post on Columbus Day?

No. Direct deposits scheduled for Columbus Day will post on the next business day (Tuesday, if the holiday is Monday). If your paycheck is timed to arrive on Columbus Day, it will arrive the next day instead.

Can I pay a bill on Columbus Day through Chase?

Yes, through the Chase app or website. You can schedule a bill payment for Columbus Day or any other day. If you schedule it for the holiday itself, Chase will send the payment on that date, though the recipient may not process it until the next business day.

What if I need to speak to someone and can't reach Chase phone banking?

Chase phone banking is staffed on Columbus Day, but wait times are often longer. Try calling early in the day. You can also use the find chat feature in the Chase app to message a representative, though response times may be slower on holidays.

Do all Chase locations close on Columbus Day?

Yes. All Chase branches observe Columbus Day as a federal holiday and close that day. Some states and cities observe different holidays, but Columbus Day is federal, so Chase closes nationwide.