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

Chase Bank observes Columbus Day as a federal holiday, so all branch locations are closed on that day. You won't be able to walk into a branch, speak to a teller, or use the safe deposit box. However, you can still move money, pay bills, check your balance, and handle most banking tasks through Chase's mobile app, website, or ATM.

The exact date of Columbus Day changes each year. It falls on the second Monday in October. In 2024, that's October 14. In 2025, it's October 13. If you need to do something that requires a person — like opening a new account, getting a cashier's check, or discussing a loan — you'll need to wait until the branch reopens the next business day.

Key Takeaways

  • Chase branches close on Columbus Day, which is the second Monday in October each year.
  • ATMs and the Chase mobile app work normally on Columbus Day, so you can withdraw cash and check your balance anytime.
  • Online bill pay, transfers between accounts, and mobile check deposits all work on the holiday.
  • If you need to speak to someone or handle something that requires a branch visit, plan ahead for the day before or after.

What you can do on Columbus Day without a branch

Chase ATMs operate 24/7, including on Columbus Day. You can withdraw cash, deposit checks (at ATMs that have mobile deposit), and check your balance at any Chase ATM or ATMs in the Allpoint network, which includes thousands of machines outside Chase branches.

The Chase mobile app and Chase.com website stay open around the clock. You can transfer money between your own accounts, send money to other people through Chase QuickPay, pay bills, deposit checks by taking a photo, and view your transaction history. These services don't depend on branch staff, so they work the same way on a holiday as any other day.

If you need to call Chase customer service, phone lines are typically available on Columbus Day. Wait times may be longer than usual because fewer staff members are working, but you can reach someone to answer questions about your account or report a lost card.

What requires a branch visit and how to plan ahead

Some tasks can only happen in person at a Chase branch. These include opening a new checking or savings account, explore for a credit card or loan, getting a cashier's check, accessing a safe deposit box, or depositing cash if your ATM doesn't accept deposits.

If you need one of these services and Columbus Day is coming up, visit a branch the day before or the day after. If you're planning further ahead — say, you know you'll need a cashier's check in mid-October — go earlier in the week so you're not caught off guard.

For urgent situations, some Chase branches in larger cities may have extended hours on the Friday before or the Tuesday after Columbus Day. Call your local branch ahead of time to ask, or check the branch locator on Chase.com to see the posted hours for your location.

How to find your local Chase branch hours

Chase's branch locator tool on Chase.com shows you the hours for every location near you. Search by address or ZIP code, and the tool displays regular hours plus any holiday closures. This is the most reliable way to confirm whether your branch is closed on Columbus Day and when it reopens.

You can also call your branch directly. The phone number is on your debit card, in your account statements, or on Chase.com. Staff can tell you not only about Columbus Day but about any other holiday closures coming up, like Thanksgiving or Christmas.

Federal holidays when Chase branches close

Columbus Day is one of several federal holidays when Chase branches are closed. The full list includes New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Some branches may also close on Good Friday, though this varies by location.

ATMs and online banking work on all of these days. If you know a holiday is coming and you need to do something in person, plan your branch visit for the business day before.

What to do if you have an urgent banking need on Columbus Day

If something goes wrong with your account on Columbus Day — your card is lost or stolen, you see a fraudulent charge, or you're locked out of your account — call Chase customer service right away. The phone number is on the back of your debit card. Representatives work on holidays to handle urgent issues, though you may wait longer than usual.

For a lost or stolen card, Chase can issue a replacement and may be able to send it overnight or to a branch for pickup the next day. For fraud, the sooner you report it, the sooner Chase can freeze the card and investigate. These conversations don't require a branch visit.

If your issue truly cannot wait and requires a branch — which is rare — some Chase locations in major metropolitan areas may have a branch open on holidays or may offer an emergency appointment. Call the main customer service line to ask.

Frequently Asked Questions

Can I use my Chase debit card to buy things on Columbus Day?

Yes. Columbus Day only affects Chase branches, not the payment network. You can use your card at stores, restaurants, ATMs, and online retailers just like any other day. The holiday doesn't change how your card works.

Will my direct deposit or automatic bill payments go through on Columbus Day?

Yes. Direct deposits and automatic payments are processed by the banking system, not by branch staff. They post to your account on their scheduled date regardless of whether it's a holiday. However, if the scheduled date falls on Columbus Day, some employers or billers may process the payment a day early or late.

What if I need to deposit cash and my ATM doesn't take deposits?

You'll need to wait until a branch reopens. Not all Chase ATMs accept cash deposits — older machines and some in smaller locations only dispense cash. If your regular ATM doesn't take deposits, find one that does by using the branch locator on Chase.com, or plan to visit a branch the day after Columbus Day.

Do I need to do anything special to use Chase online banking on Columbus Day?

No. Log in to Chase.com or the mobile app the same way you normally would. There are no special steps or restrictions on holidays. The only thing that might be slower is calling customer service, since fewer representatives are working.

If Columbus Day falls on a Monday, when does the branch reopen?

The branch reopens on Tuesday morning at its regular opening time. Check Chase.com or call your local branch to confirm the exact time, as opening hours vary by location.