Chase closes on Juneteenth, but the date it observes depends on the calendar

Chase Bank is closed on Juneteenth (June 19th) when it falls on a weekday. If Juneteenth lands on a Saturday, Chase observes the holiday on Friday. If it lands on a Sunday, Chase observes it on Monday. This means your local Chase branch will be closed, and you won't be able to visit in person, but you can still use ATMs and mobile banking to access your account.

Juneteenth became a federal holiday in 2021, which means banks that are federally chartered — including Chase — must close on that day. Chase follows the federal holiday calendar, so any day the U.S. government recognizes as a federal holiday, Chase branches close.

Key Takeaways

  • Chase branches close on Juneteenth when it falls on a weekday, and observe the holiday on Friday if Juneteenth is a Saturday or Monday if it is a Sunday.
  • You can still withdraw cash from Chase ATMs and use mobile banking or online banking on Juneteenth, even though branches are closed.
  • Deposits made at ATMs or through mobile banking on Juneteenth will post to your account, but the timing depends on when you deposit and your bank's processing schedule.
  • If you need to speak with a Chase representative on a federal holiday, you can call customer service, though wait times may be longer than usual.

What you can and cannot do when Chase is closed

When a Chase branch is physically closed, you lose access to in-person services like speaking with a banker, depositing checks at the teller window, or getting a cashier's check. However, the bank's digital services stay open around the clock.

You can use Chase ATMs to withdraw cash, check your balance, transfer money between your own accounts, and deposit checks using the mobile app or ATM envelope. You can also log into Chase's website or mobile app to pay bills, transfer money to other people, check your balance, or review your transactions. Customer service phone lines typically remain staffed on federal holidays, though you may experience longer hold times.

If you need cash before Juneteenth, plan ahead and withdraw it during regular business hours. The same applies if you need to deposit a check in person — use the ATM or mobile app instead, or visit your branch the day before the holiday.

When deposits post if you use an ATM or mobile app

Deposits made through Chase ATMs or the mobile app on Juneteenth will be processed, but the timing of when they appear in your account depends on the type of deposit and when you make it. Mobile check deposits typically post within one business day, meaning if you deposit on Juneteenth (a federal holiday), the deposit will likely post on the next business day, which is Friday if Juneteenth is on Thursday.

ATM cash deposits and transfers between your own Chase accounts post when ready, so you'll see the money right away. If you're depositing a check at an ATM on Juneteenth, the check itself will be processed the next business day, but you may see a temporary hold on the funds while Chase verifies the check.

If you need the money to be available on Juneteenth itself, deposit it the day before. This is especially important if you're counting on a deposit to cover a bill or payment that's due on or shortly after the holiday.

Other federal holidays when Chase closes

Chase closes on all federal holidays recognized by the U.S. government. These include New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Some of these holidays fall on different dates each year — for example, Memorial Day is always the last Monday in May, and Thanksgiving is always the fourth Thursday in November.

Chase also closes on Good Friday, which is not a federal holiday but is observed by most banks. If you're unsure whether Chase will be open on a specific date, you can check the Chase website or call your local branch ahead of time.

Planning ahead to avoid problems on the holiday

The best way to avoid issues on Juneteenth is to handle banking needs the day before. If you need cash, withdraw it on June 18th. If you need to deposit a check, use the mobile app or ATM on June 18th so it posts by June 19th. If you have a bill due on or around Juneteenth, pay it a few days early through online banking.

If you're expecting a deposit from your employer or another source on Juneteenth, remember that the deposit may not post until the next business day. Set up direct deposit if you haven't already — it's more reliable than waiting for a check, and the money will post automatically on the scheduled date even if that date is a federal holiday.

If you have an urgent banking need on Juneteenth that can't wait, call Chase customer service. Representatives are usually available on federal holidays, though you may wait longer than usual. For emergencies like a lost or stolen debit card, Chase has a dedicated fraud line that operates 24/7.

How to find your local Chase branch hours

Chase branch hours vary by location, so the best way to confirm whether your specific branch is closed on Juneteenth is to check the Chase website or call ahead. Go to chase.com, use the branch locator tool, and search for your branch by address or ZIP code. The locator will show you the branch's regular hours and note any holiday closures.

You can also call your branch directly — the phone number is listed in the branch locator. If you're calling on or near Juneteenth, expect longer wait times, but a representative can confirm the branch's status and answer questions about services available that day.

Frequently Asked Questions

Can I use my Chase debit card on Juneteenth?

Yes. Your debit card works at any ATM or merchant 24/7, regardless of whether Chase branches are open. You can withdraw cash from Chase ATMs, use your card to make purchases, or use it at other banks' ATMs (though you may be charged a fee).

Will my direct deposit post on Juneteenth?

Direct deposits typically post on the scheduled date even if that date is a federal holiday, so yes, your paycheck or other regular deposit should appear in your account on Juneteenth. However, if your employer processes payroll on the holiday itself, there may be a one-day delay.

What if I need to speak to someone at Chase on Juneteenth?

Call Chase customer service at the number on the back of your debit card or on your account statements. Representatives are usually available on federal holidays, though wait times are often longer. For urgent issues like fraud or a lost card, call the 24/7 fraud line.

Can I still pay my Chase credit card bill on Juneteenth?

Yes. You can pay your bill through Chase's website or mobile app anytime, including on federal holidays. If you pay by phone, call the number on your statement, though you may experience longer hold times.

Do all banks close on Juneteenth?

All federally chartered banks close on Juneteenth, which includes most major banks like Chase, Bank of America, Wells Fargo, and Citibank. Some credit unions and smaller banks may have different policies, so check with your specific institution if you bank elsewhere.