Chase branches close on Memorial Day, but online banking and ATMs stay open

Chase Bank observes Memorial Day as a federal holiday, so all physical branch locations are closed on that day. You cannot walk into a branch, speak to a teller, or use the drive-through. However, your online account access, mobile app, and ATM withdrawals continue to work normally — you can move money, check balances, and pull cash 24 hours a day.

The exact date shifts each year because Memorial Day falls on the last Monday in May. In 2024 it was May 27; in 2025 it will be May 26. If you need to handle something that requires a teller or a banker — depositing a check, opening an account, discussing a loan — you will need to wait until the next business day.

Transactions you initiate on Memorial Day through digital channels may not process until the following day, depending on what you are doing. A transfer between your own Chase accounts usually posts the same day. A payment to someone outside Chase, or a deposit you make through mobile check deposit, may sit in a queue until Tuesday morning.

Key Takeaways

  • All Chase branch locations close on Memorial Day; you cannot visit in person or use the drive-through.
  • ATMs, online banking, and the Chase mobile app work normally on the holiday, so you can withdraw cash and check your balance anytime.
  • Transfers between your own Chase accounts usually process the same day, but payments to other banks or check deposits may wait until the next business day.
  • If you need to deposit a check or speak to a banker, plan to visit on Tuesday or another weekday.

What you can and cannot do on Memorial Day

You can withdraw money from any Chase ATM, check your account balance, transfer funds between your own accounts, pay bills through Chase's bill pay system, and deposit checks using mobile check deposit. All of these work around the clock on the holiday.

You cannot visit a branch to deposit cash, open a new account, explore for a credit card in person, discuss a mortgage or loan, or speak to a banker about account issues. If you have a question that requires human judgment or access to documents, you will need to call Chase customer service or wait for a branch to reopen.

Chase customer service phone lines remain open on Memorial Day, though wait times are often longer than on regular business days. You can reach them at 1-800-935-9935 for general customer service, or use the number on the back of your card.

When deposits and transfers actually post

A check you deposit through the Chase mobile app on Memorial Day enters the system, but it does not clear until Tuesday morning. Chase processes mobile deposits in batches overnight, and the holiday pause means your batch waits an extra day. The funds may show as pending in your account on Monday, but they are not available to spend until Tuesday.

A wire transfer you send on Memorial Day also waits. Outgoing wires do not move on federal holidays, so a wire you initiate Monday does not leave Chase until Tuesday. Incoming wires can arrive on holidays, but they are rare — most banks do not process them on federal holidays either.

A payment you make to another bank through Chase bill pay or external transfer on Monday will not leave your Chase account until Tuesday. The receiving bank may not see it until Wednesday. If you are paying a bill with a due date on Tuesday, do not wait until Monday to send it.

Planning ahead if you need a branch visit

If you know you need to deposit cash, get a cashier's check, or discuss an account issue, visit your branch on Friday or the following Tuesday. Many people wait until the last minute on Friday, so branches are busier then — arriving early in the morning or mid-afternoon usually means a shorter wait.

If you need a cashier's check for a closing or payment, request it by Friday afternoon. Some branches can issue them same-day if you ask early enough, but do not count on it during busy seasons. A cashier's check ordered Friday may not be ready until Tuesday.

For time-sensitive deposits — paychecks, tax refunds, insurance settlements — use mobile check deposit on Friday if possible. This gets the deposit into the system before the holiday pause and usually clears by Monday or Tuesday, depending on the check amount and your account history.

Other Chase services on Memorial Day

Chase investment and brokerage services (through Chase Investments or J.P. Morgan) do not trade on Memorial Day because the stock market is closed. If you hold stocks or mutual funds through Chase, you cannot buy or sell on the holiday. Market orders you place Monday will execute when the market opens Tuesday morning.

Chase credit card customer service remains available by phone on Memorial Day. You can report a lost or stolen card, dispute a charge, or ask about your balance. The same 1-800 number works, but expect longer hold times.

Chase mortgage and home equity services have limited staffing on the holiday. If you have a mortgage question or need to make a payment, the payment system works online, but speaking to a loan officer will require a callback on Tuesday.

Frequently Asked Questions

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

Yes. Your debit card works at any merchant, ATM, or online store on Memorial Day. The transaction may show as pending for a day or two, but the card itself is active. Only the physical branch locations are closed.

What if I need cash and the ATM is out of money?

Chase ATMs are refilled regularly, but if one runs empty on a holiday, you will need to find another Chase ATM or use an ATM from a different bank. Most non-Chase ATMs charge a fee ($2 to $3 typically), but you can withdraw cash. Check the Chase app to locate the nearest ATM before you need it.

Will my direct deposit hit my account on Memorial Day?

No. Employers and payroll processors do not send direct deposits on federal holidays. If your payday falls on Memorial Day, your deposit arrives on Tuesday instead. Check with your employer if you are unsure of the exact timing.

Can I open a new Chase account on Memorial Day?

You can open an account online through the Chase website or mobile app on the holiday. You cannot open one in a branch. Online account opening is available 24/7, though verification and approval may take until the next business day.

Do I need to do anything special to access my account on the holiday?

No. Log in to your Chase account online or through the mobile app the same way you normally do. There are no special steps or codes needed on federal holidays. Your login credentials and security work exactly as they do on any other day.