Chase branches close on Labor Day, but you can still bank online and use ATMs

Chase Bank observes Labor Day as a federal holiday, which means physical branch locations are closed on that day. However, you can still access your money through Chase's online banking platform, mobile app, and ATM network — these services run 24/7 regardless of the holiday.

Labor Day falls on the first Monday in September each year. In 2024, that's September 2. In 2025, it's September 1. If you need to do something that requires talking to 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.

The good news is that most banking tasks don't require a branch visit anymore. You can transfer money, pay bills, deposit checks by phone camera, and check your balance without leaving home.

Key Takeaways

  • Chase branches close on Labor Day, but ATMs and online banking stay open around the clock.
  • You can deposit checks remotely using the Chase mobile app's mobile check deposit feature.
  • Transactions you start online or through the app on Labor Day will process the next business day.
  • If you need to speak with someone, call Chase customer service at the number on the back of your card — some lines operate on holidays.

What you can do on Labor Day without visiting a branch

Chase's digital services don't close for holidays. You can log into Chase.com or use the Chase mobile app to check your account balance, transfer money between your own accounts, pay bills, and view recent transactions. These actions happen when ready or process the next business day depending on what you're doing.

If you need to deposit a check, use mobile check deposit through the Chase app. Take a photo of the front and back of the check, and the app will process it. The funds typically appear in your account within one business day, though the exact timing depends on when you deposit it and the amount.

You can also withdraw cash from any Chase ATM on Labor Day. ATMs don't close for holidays, and you can use them to get cash, check your balance, or transfer money between accounts.

When transactions process if you bank on Labor Day

Any transaction you start on Labor Day — whether online, through the app, or at an ATM — will process according to normal banking timelines, but the clock starts the next business day. A bill payment you schedule on Monday, September 2 won't leave your account until Tuesday, September 3 at the earliest. A check deposit you make on Labor Day will be processed starting Tuesday.

This matters if you're cutting it close on a bill due date. If a payment is due on Tuesday and you try to pay it on Monday (Labor Day), it may not reach the recipient in time. Plan ahead and pay the day before the holiday instead.

Wire transfers and external transfers to other banks also follow this rule — they won't process until the next business day, even if you initiate them on the holiday.

Reaching Chase customer service on Labor Day

Chase's main customer service line operates on Labor Day. The number is on the back of your debit or credit card. You can call to report a lost card, ask questions about your account, or discuss issues that need when ready attention.

However, some specialized services — like mortgage departments, investment services, or business banking — may have limited staff on the holiday. If you reach an automated system, you can usually leave a message and someone will call you back on Tuesday.

If you have a Chase credit card, you can also reach the number on the back of that card. Chase maintains customer service lines on federal holidays because people's banking needs don't stop.

Planning ahead for holiday banking

If you know you'll need something from a Chase branch around Labor Day, visit the day before. This is especially important if you need a cashier's check, want to open a new account, need a notary, or have questions that require face-to-face help.

Check your bill due dates before the holiday. If a payment is due on or shortly after Labor Day, pay it before the holiday closes. The same goes for any checks you're mailing — mail them a few days early to account for the holiday delay.

If you're traveling over the Labor Day weekend and think you might need cash, withdraw it before Monday. While ATMs are always available, it's better not to rely on them if you're unfamiliar with an area.

Finding your nearest Chase branch hours

Chase branch hours vary by location. Some branches in busy areas have extended hours during the week, while others keep standard 9 a.m. to 5 p.m. schedules. To find your nearest branch and its regular hours, go to Chase.com, click "Locations," enter your zip code, and select the branch. The page will show you Monday through Friday hours, Saturday hours if available, and whether it's closed on Sundays.

The same page will confirm that the branch is closed on Labor Day. If you need to visit on Tuesday after the holiday, check whether that branch has any special Tuesday hours — most don't, but it's worth confirming if you're planning your visit.

Frequently Asked Questions

Can I use my Chase debit card on Labor Day?

Yes. Your debit card works at any merchant, ATM, or online store on Labor Day just like any other day. The holiday only affects Chase branch locations and processing timelines for transfers and bill payments.

Will my direct deposit come through on Labor Day?

No. If your employer normally deposits on Monday and Labor Day falls on a Monday, your deposit will arrive on Tuesday instead. Check with your employer about their holiday schedule if you're unsure.

What if I need to report fraud on Labor Day?

Call the number on the back of your card when ready. Chase customer service operates on Labor Day and can freeze your card, dispute unauthorized charges, and help you find your account right away. Don't wait until Tuesday.

Can I open a new Chase account on Labor Day?

You can start the process online through Chase.com, but you won't be able to complete it or speak with someone until a branch reopens on Tuesday. Some account types can be fully opened online, so check the website to see which ones don't require a branch visit.

Do Chase ATMs charge extra fees on Labor Day?

No. ATM fees are the same on holidays as any other day. If you use a non-Chase ATM, you may be charged a fee by that ATM's owner, but Chase doesn't change its fees for holidays.