Chase branches close early on Christmas Eve and are fully closed on Christmas Day

Most Chase branches operate on a reduced schedule on Christmas Eve—typically closing at 2 p.m. instead of the usual 5 or 6 p.m.—and do not open at all on Christmas Day. The exact closing time on Christmas Eve varies by location, so calling your branch directly is the fastest way to confirm. Chase observes Christmas as a federal holiday, which means all branch locations nationwide are closed on December 25.

If you need to handle banking on or around Christmas, plan ahead. ATMs and Chase's mobile app work 24/7, so you can withdraw cash, transfer money, or check your balance without visiting a branch. Online bill pay and mobile deposits also run continuously, even when branches are closed.

Key Takeaways

  • Chase branches typically close at 2 p.m. on Christmas Eve, but closing times vary by location—call your branch to confirm the exact time.
  • All Chase branches are closed on Christmas Day (December 25) with no in-person services available.
  • ATMs, the Chase mobile app, and online banking work around the clock, even when branches are closed.
  • If you need cash or to deposit a check before the holiday, plan to visit your branch earlier in the week.

How to find your branch's Christmas Eve hours

The fastest way to learn your specific branch's closing time on Christmas Eve is to call the location directly. You can find the phone number and address on Chase's branch locator at chase.com, or by searching "Chase near me" in Google Maps.

When you call, ask specifically about Christmas Eve hours—do not assume all branches close at the same time. Some branches in busy areas may stay open until 3 or 4 p.m., while others in smaller towns might close at noon. The branch staff can also tell you whether they will be open the day after Christmas (December 26), since some locations may extend their closure.

What you can do without visiting a branch

Chase ATMs operate 24/7, including Christmas Eve and Christmas Day. You can withdraw cash, deposit checks (if your ATM has mobile deposit or a check slot), transfer money between accounts, and check your balance at any Chase ATM or ATMs in the MoneyPass network.

The Chase mobile app and online banking portal let you pay bills, send money to other people, set up automatic payments, and review transactions at any time. Mobile check deposit—where you photograph a check and submit it through the app—works continuously and typically posts within one business day. If you need to move money urgently on Christmas Day, these digital channels are your only option.

When Chase reopens after Christmas

Chase branches reopen on December 26 (the day after Christmas) during regular business hours. If December 26 falls on a weekend, branches reopen on the following Monday. Regular hours resume when ready—there is no extended holiday schedule.

If you have a time-sensitive banking need that cannot wait until December 26, contact Chase customer service by phone (the number is on the back of your debit card) or through the mobile app's chat feature. A representative can sometimes process transfers, stop payments, or address fraud concerns without requiring you to visit a branch.

Planning ahead for holiday banking

If you know you will need cash or need to deposit a check before Christmas, visit your branch earlier in the week—ideally by December 23. This gives you a buffer in case you encounter a line or need to handle multiple transactions. Avoid waiting until Christmas Eve afternoon, when branches are busy and closing early.

For bill payments due around the holiday, use Chase's online bill pay or set up automatic payments at least two business days before the due date. If a payment is due on December 25 or 26, schedule it to post on December 24 or earlier. This prevents late fees if the payee's system does not process payments on the holiday.

Frequently Asked Questions

Can I use my Chase debit card on Christmas Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Christmas Day. Only in-person Chase branch services are unavailable. You can also use your card to make purchases, withdraw cash from ATMs, and check your balance through the mobile app.

What if I need to report fraud on Christmas Day?

Call the fraud number on the back of your debit card or credit card—Chase operates a 24/7 fraud line even on holidays. A representative can freeze your card, dispute unauthorized charges, and issue a replacement card. You do not need to visit a branch to report fraud.

Can I deposit a check on Christmas Eve after the branch closes?

If your Chase branch has an ATM with a check deposit slot, you can deposit checks after hours. Mobile check deposit through the app also works anytime. Both methods typically post within one business day, though deposits made on Christmas Eve may not post until December 26.

Are Chase loan and credit card payments due on Christmas?

No. If a payment due date falls on Christmas Day, Chase automatically extends the important date to the next business day (December 26). You can still make payments early through online banking or the mobile app without penalty.

Do Chase business branches have different holiday hours?

Most Chase business branches follow the same holiday schedule as consumer branches—closing early on Christmas Eve and remaining closed on Christmas Day. Call your business branch directly to confirm, as some locations in financial districts may have slightly different hours.