Chase branches are closed on New Year's Day, but you can still access your money

Chase Bank does not open its physical branches on New Year's Day (January 1st). All Chase locations nationwide are closed that day, and you cannot visit a branch or speak to a banker in person.

However, you can still access your account and move money without visiting a branch. Your debit card works at ATMs, you can transfer money through the Chase mobile app or website, and you can pay bills online. If you need to speak with someone, Chase customer service is available by phone on New Year's Day — the number is on the back of your debit card or on your statements.

Key Takeaways

  • Chase branches close on New Year's Day, so you cannot visit in person or use a teller that day.
  • ATMs work normally on New Year's Day, and you can withdraw cash or check your balance anytime.
  • You can transfer money, pay bills, and manage your account through the Chase app or website on New Year's Day.
  • Chase phone support is staffed on New Year's Day if you need to speak with someone about your account.
  • Checks you deposit on New Year's Day will not be processed until the next business day, even if you use mobile deposit.

What you can do on New Year's Day without a branch

Chase ATMs are open 24 hours, including New Year's Day. You can withdraw cash, deposit checks using the ATM envelope, check your balance, and transfer money between your own accounts at any Chase ATM.

The Chase mobile app and website work normally on New Year's Day. You can send money to other people using Zelle (a payment system built into the app), transfer funds between your own accounts, pay bills, deposit checks by taking a photo, and review your transactions. These actions happen when ready or within one business day depending on the type of transaction.

If you need to speak with a Chase representative, call the number on the back of your debit card or on your account statements. Customer service is available on New Year's Day, though wait times may be longer than usual because fewer staff are working.

When deposits and payments process after New Year's Day

Any deposit you make on New Year's Day — whether at an ATM, through mobile deposit, or in person on January 2nd — will not be available until the next business day. This is true even if you deposit before midnight on New Year's Day. The bank does not process deposits on federal holidays.

Payments you schedule online or through the app on New Year's Day will go out on the date you choose, which is usually the next business day or later. If you schedule a payment for January 1st, it will not send until January 2nd. Bill payments sent by mail take longer — typically five to seven business days from when you send them.

Automatic payments and direct deposits on New Year's Day

Automatic payments that are scheduled to come out of your account on New Year's Day will process normally. The bank processes these payments even on holidays. If you have a bill set to auto-pay on January 1st, it will come out that day.

Direct deposits from your employer scheduled for New Year's Day may arrive on that day or may be delayed until January 2nd, depending on when your employer sends the deposit and how their bank processes it. If you are expecting a direct deposit around the holiday, check with your employer about the exact timing.

Planning ahead for the New Year's Day weekend

If New Year's Day falls on a weekday, Chase branches reopen the next day at their normal hours. If New Year's Day falls on a Saturday or Sunday, branches reopen on Monday. Check your local branch hours on the Chase website or app to confirm when your branch opens again.

If you need cash or need to deposit a check before the holiday, plan to visit your branch or ATM on December 31st. If you need to speak with a banker about something that cannot be handled by phone or online, you will need to wait until after the holiday.

Frequently Asked Questions

Can I withdraw money from a Chase ATM on New Year's Day?

Yes. Chase ATMs are open 24 hours a day, seven days a week, including New Year's Day. You can withdraw cash, deposit checks, transfer money between your accounts, and check your balance anytime.

Will my paycheck arrive on New Year's Day if it's a direct deposit?

It may arrive on New Year's Day or on January 2nd, depending on when your employer sends the deposit and their bank's processing schedule. Contact your employer's payroll department if you need to know the exact timing for a deposit around the holiday.

What if I need to report a lost or stolen card on New Year's Day?

Call the number on the back of your card or on your statement. Chase customer service is available on New Year's Day and can freeze or cancel your card when ready over the phone to prevent fraud.

Do I have to wait until January 2nd to deposit a check?

You can deposit a check on New Year's Day using a Chase ATM or the mobile app, but it will not be processed until January 2nd. The funds will not be available in your account until the next business day.

Are wire transfers available on New Year's Day?

Wire transfers sent through Chase on New Year's Day will not go out until January 2nd because the federal banking system does not process wires on federal holidays. If you need to send money urgently, use Zelle or another real-time payment method instead.