Chase branches are closed on Martin Luther King Jr. Day

Chase Bank observes MLK Day as a federal holiday and closes all branches on the third Monday in January. This means no in-person banking, no teller service, and no access to the branch lobby. The exact date changes each year — in 2025 it falls on January 20.

If you need to bank on MLK Day itself, you have options that don't require a branch visit. Chase ATMs work 24/7, so you can withdraw cash, deposit checks using mobile deposit, or transfer money between accounts through the Chase mobile app or online banking. These services run regardless of whether branches are open.

If you have a time-sensitive banking need — a payment due that day, a fraud dispute, or an account issue — contact Chase before the holiday closes. Call 1-800-935-9935 or use the mobile app to handle what you can remotely, and flag anything that requires a branch visit for the next business day.

Key Takeaways

  • All Chase branches close on MLK Day, which falls on the third Monday of January each year.
  • Chase ATMs remain available 24/7, and you can deposit checks, transfer money, and check balances through the mobile app or online banking on the holiday.
  • If you have a payment or dispute that cannot wait, contact Chase before the holiday to handle it by phone or app.
  • The next business day after MLK Day is when branch services resume and you can speak to a teller or visit in person.

What you can and cannot do on MLK Day

Chase ATMs operate around the clock, so you can withdraw cash, deposit checks (if your ATM has a deposit slot), and check your balance at any time on MLK Day. Mobile check deposit through the Chase app also works — you photograph the front and back of a check and submit it without visiting a branch.

You cannot visit a branch, speak to a teller, open a new account, order a replacement card in person, or resolve account issues that require a banker's help. If you need a cashier's check, a wire transfer, or a signature on loan documents, those services are not available until the branch reopens.

Online bill pay and transfers between your own Chase accounts work on the holiday. Payments you schedule may process on MLK Day or the next business day depending on when you submit them — Chase's system will show you the expected date when you confirm the transaction.

Planning ahead for time-sensitive needs

If you have a payment due on or shortly after MLK Day, set it up before the holiday closes. Use Chase's online bill pay or the mobile app to schedule the payment for the date it's due. This works even if the branch is closed, because the payment processes through Chase's automated system.

If you need cash for the holiday weekend, withdraw it before MLK Day or use an ATM on the day itself. If you need a cashier's check or a wire transfer, request it on the last business day before the holiday — Friday if MLK Day falls on Monday.

For fraud or account disputes, call Chase's fraud line at 1-800-935-9935 before the holiday if possible. If you discover fraud on MLK Day itself, call the same number — Chase maintains a 24/7 fraud department even when branches are closed. Document what happened and be ready to describe the unauthorized transaction.

How MLK Day affects check deposits and transfers

Checks you deposit on MLK Day through a Chase ATM or mobile app will be processed when the bank reopens on Tuesday. The funds may not be available until the next business day after that, depending on the check amount and the bank it's drawn from. Chase's standard deposit timeline is one to two business days for most checks.

If you deposit a check on Friday before MLK Day, it will be processed on Tuesday (the first business day after the holiday), not on Monday. This can matter if you're counting on the funds being available by a certain date. Plan accordingly if you have bills due early in the week.

Transfers between your own Chase accounts process when ready through the app or online banking, even on the holiday. Transfers to accounts at other banks may take one to two business days and are not affected by MLK Day closure.

What happens to scheduled payments and automatic transfers

Automatic bill payments and recurring transfers you've already set up will process on their scheduled dates, even if that date is MLK Day. Chase's automated system runs continuously. If you scheduled a payment for Monday, MLK Day, it will go out on Monday — the branch closure does not stop it.

If a payment is scheduled for MLK Day and the receiving company's bank is also closed, the payment may be delayed by one day on their end. This is rare and usually only affects government agencies or smaller institutions. Most major billers process payments on federal holidays without delay.

If you need to cancel or change a scheduled payment before MLK Day, use the Chase app or online banking to modify it. You can do this anytime, including on the holiday itself.

Frequently Asked Questions

Can I use my Chase debit card on MLK Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on MLK Day. The branch closure does not affect card transactions. If your card is lost or stolen, call 1-800-935-9935 to report it and request a replacement — the fraud team works 24/7.

Will my direct deposit process on MLK Day?

Direct deposits scheduled for MLK Day may be delayed by one day, depending on your employer's payroll system. Most employers process payroll before the holiday, so your deposit typically arrives on Friday. If it's scheduled for Monday, contact your employer's payroll department to confirm the timing.

What if I need to dispute a charge on MLK Day?

Call Chase's fraud line at 1-800-935-9935 anytime, including MLK Day. The 24/7 fraud team can document the dispute and start an investigation. You can also report it through the mobile app. Formal dispute resolution takes 10 business days, but the process begins when ready.

Can I open a new Chase account on MLK Day?

No. Account opening requires a banker's information and is only available when branches are open. You can start the process online through Chase's website, but you will need to complete it with a banker on the next business day after the holiday.

Are Chase customer service phone lines open on MLK Day?

Yes. Call 1-800-935-9935 for general customer service, fraud reporting, or account questions. Wait times may be longer than usual because more people call when branches are closed, but the line is staffed.