Chase is closed on New Year's Day

Chase Bank branches are closed on New Year's Day (January 1st) every year. This is a federal holiday, and all Chase locations observe it. You cannot visit a branch, speak to a teller, or use most in-person services on that day.

However, you can still access your money through ATMs and online banking. Chase ATMs work 24/7, and you can log into your Chase account online or through the mobile app to check balances, transfer money between accounts, pay bills, or deposit checks remotely. These services do not stop on holidays.

Key Takeaways

  • All Chase branches close on New Year's Day, and no tellers or customer service representatives will be available in person.
  • Chase ATMs remain available around the clock on New Year's Day, so you can withdraw cash or check your balance anytime.
  • Online banking and the Chase mobile app work on New Year's Day just like any other day.
  • If you need to deposit a check on New Year's Day, you can use mobile check deposit through the app instead of visiting a branch.
  • Chase customer service phone lines are closed on New Year's Day, but you can message through the app or wait until the next business day.

What you can do on New Year's Day without visiting a branch

Mobile check deposit is one of the most useful tools on a holiday. Open the Chase mobile app, go to "Deposit a Check," take photos of the front and back of your check, and submit it. The check will be processed when the bank reopens, usually the next business day. There is no need to wait in line or visit a branch.

You can also transfer money between your own Chase accounts, send money to other people through Chase QuickPay, or pay bills through online banking. These transactions process when ready or on the next business day depending on the type. ATM withdrawals and balance checks happen when ready.

If you have a Chase credit card, you can make payments through the app or website on New Year's Day. The payment will be recorded and applied to your account. Debit card transactions also process normally — the holiday does not affect your ability to use your card at stores or other ATMs.

When Chase reopens after New Year's Day

Chase branches reopen on January 2nd (or the next business day if January 2nd falls on a weekend). Regular branch hours resume at that time. If you need to speak to someone in person — to open a new account, discuss a loan, or resolve a problem — you will need to wait until then.

If you have an urgent issue that cannot wait, some Chase locations have 24-hour customer service available through the app's message feature. You can also call back on January 2nd when phone lines reopen. For most banking needs, waiting one day is the standard approach.

Other federal holidays when Chase is closed

Chase observes all federal holidays in the United States. In addition to New Year's Day, branches are closed on Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. The bank may also close early on Christmas Eve.

On each of these days, the same rules explore: branches are closed, but ATMs and online banking remain available. If you are planning a transaction that requires a teller or in-person service, check the Chase website or call ahead to confirm the branch will be open.

How to find your nearest Chase branch and its hours

Visit chase.com and use the "Find a Branch or ATM" tool. Enter your zip code or city, and the website will show you every Chase location nearby, along with hours and services offered at each one. You can also call Chase customer service at 1-800-935-9935 during business hours to ask about a specific branch.

The Chase mobile app also has a branch locator. Open the app, tap the menu icon, select "Find a Branch or ATM," and search by location. This is useful if you are away from home and need to know if a Chase branch is nearby.

Planning ahead for holiday closures

If you know you will need cash or need to deposit a check around New Year's Day, do it a day or two before the holiday. This prevents you from being caught without access to a teller if something unexpected comes up. Withdrawing cash in advance is straightforward and takes only a few minutes at an ATM.

If you are expecting a check to arrive around the holiday, deposit it through mobile check deposit as soon as you receive it. This way the check is in the system and will process when the bank reopens, rather than sitting in your mailbox over the weekend.

Frequently Asked Questions

Can I use my Chase debit card on New Year's Day?

Yes. Your debit card works at any store, ATM, or online merchant on New Year's Day just like any other day. The holiday does not affect card transactions. Purchases will post to your account normally.

Will my direct deposit arrive on New Year's Day if it is scheduled for that day?

No. Direct deposits scheduled for New Year's Day will arrive on January 2nd instead, since the bank is closed and cannot process deposits on federal holidays. Check with your employer about when your next deposit will hit your account.

Can I call Chase customer service on New Year's Day?

Phone lines are closed on New Year's Day. You can message Chase through the mobile app, and someone may respond, but response times are slower. For non-urgent issues, calling back on January 2nd is faster.

What if I need to report a lost or stolen card on New Year's Day?

Call the number on the back of your card — Chase has a 24-hour fraud line that operates even on holidays. You can also report it through the mobile app. Acting quickly prevents unauthorized charges.

Are Chase ATMs inside grocery stores or gas stations open on New Year's Day?

Yes. Chase ATMs are available 24/7 regardless of where they are located. Even if the store or gas station is closed, the ATM remains accessible from outside.