Chase is closed on Columbus Day, but you can still handle most banking online

Chase observes Columbus Day as a federal holiday and closes all branch locations on that day. You won't be able to walk into a branch, use the ATM in the lobby, or speak to a teller in person. However, you can still access your account through the Chase mobile app, online banking portal, and ATMs outside the branch network — those run 24/7 regardless of the holiday.

If you need to deposit a check or withdraw cash on Columbus Day itself, plan to use a standalone Chase ATM or an ATM at another bank in the Allpoint or MoneyPass networks, which Chase customers can use without a fee. Mobile check deposit through the Chase app also works on the holiday and typically clears within one business day.

Key Takeaways

  • All Chase branches close on Columbus Day, but online banking, the mobile app, and 24/7 ATMs remain available.
  • You can deposit checks remotely using the Chase mobile app on Columbus Day without waiting for branches to reopen.
  • Standalone Chase ATMs and ATMs in the Allpoint or MoneyPass networks let you withdraw cash or check your balance during the holiday.
  • Wire transfers, bill payments, and account transfers can all be initiated online or through the app on Columbus Day.
  • Branches reopen the next business day with normal hours; check your local branch location online for exact times.

What you can and cannot do on Columbus Day

You cannot visit a Chase branch, speak to a banker in person, or use the ATM inside the branch building. You also cannot conduct transactions that require a banker's signature or verification — things like opening a new account, explore for a credit card in person, or requesting a cashier's check from a teller.

Everything else moves forward normally. You can pay bills, transfer money between your own accounts, send wire transfers, deposit checks by phone or app, check your balance, freeze or unfreeze your debit card, report fraud, and change your password. Automatic payments and direct deposits process on schedule. If you have a question that requires a human voice, Chase customer service remains open on Columbus Day — call the number on the back of your card.

How to deposit checks without visiting a branch

Open the Chase mobile app, tap the menu icon, and select "Mobile Check Deposit." Take a photo of the front and back of your check, enter the amount, and confirm the deposit. The funds typically appear in your account within one business day, sometimes the same day depending on when you submit it.

If you don't have the app or prefer not to use it, you can mail the check to Chase with a deposit slip, though this takes longer. You can also ask the person who issued the check to send an electronic payment instead — many employers and billers now offer this option.

Finding a working ATM on the holiday

Chase ATMs outside of branch buildings operate 24/7, including Columbus Day. Use the Chase mobile app or website to find the nearest one — search "ATM" in the app and it will show you locations and whether they're currently available. Standalone Chase ATMs are usually in grocery stores, gas stations, and shopping centers.

If no Chase ATM is nearby, you can use any ATM in the Allpoint or MoneyPass networks without paying a fee. These networks include thousands of ATMs at CVS, Walgreens, Target, Walmart, and other retailers. Your debit card will work at any of them. If you use an ATM outside these networks, Chase charges a $2.50 out-of-network fee.

When branches reopen and what to do if you need a banker

Chase branches reopen the day after Columbus Day with their normal hours. Most locations open at 9 a.m. on weekdays, though some open at 10 a.m. — check your specific branch location on Chase.com to confirm. If you need to speak to someone before then, call the customer service number on the back of your card; representatives are available on Columbus Day.

If your issue is urgent and cannot wait until the branch reopens, explain the situation to the customer service representative. They can often resolve account problems, report fraud, or arrange a callback from a banker the next business day. For things like opening an account or explore for a loan, you can start the process online and complete it with a banker when the branch reopens.

Planning ahead for time-sensitive transactions

If you know you'll need cash or need to deposit a large check before Columbus Day, handle it the day before. The same applies if you're waiting for a wire transfer or expecting a direct deposit — those process on schedule, but if something goes wrong and you need to speak to someone, you won't reach a banker until the branch reopens.

For bill payments and transfers, submit them at least one business day before the important date if the important date falls on or shortly after Columbus Day. Online payments typically process within one to three business days, so timing matters. If you're unsure whether your payment will arrive on time, contact the payee directly rather than waiting until the holiday.

Frequently Asked Questions

Can I use my Chase debit card on Columbus Day?

Yes. Your debit card works everywhere — at other banks' ATMs, stores, restaurants, and online. Only the Chase branch itself is closed. If you need cash, use any ATM in the Allpoint or MoneyPass networks at no charge, or find a standalone Chase ATM.

Will my direct deposit or automatic payment process on Columbus Day?

Direct deposits and automatic bill payments process on schedule regardless of the holiday. If your employer or biller sends the payment on Columbus Day, it may take an extra day to appear in your account because banks don't process transactions on federal holidays, but the payment is still on its way.

What if I need to report fraud on Columbus Day?

Call the number on the back of your Chase card when ready. Customer service is open on Columbus Day and can freeze your card, dispute a transaction, and start an investigation. Do not wait until the branch reopens — fraud reports are time-sensitive.

Can I open a new Chase account on Columbus Day?

You can start the process online through Chase.com, but you cannot complete it without speaking to a banker or visiting a branch. Begin the process on Columbus Day and finish it the next business day when branches reopen, or call customer service to see if a banker can complete it over the phone.

Is there a Chase ATM fee if I use another bank's ATM on Columbus Day?

No fee if you use an ATM in the Allpoint or MoneyPass networks — Chase does not charge for those. If you use an ATM outside those networks, Chase charges $2.50 per transaction. Check the ATM screen before you complete the withdrawal; it will tell you if a fee applies.