Chase branches close early on New Year's Eve and stay closed on New Year's Day

Chase Bank branches typically close at 2 p.m. on New Year's Eve (December 31st) instead of their regular closing time, which is usually 5 or 6 p.m. depending on the branch. On New Year's Day (January 1st), all Chase branches are closed for the federal holiday. ATMs and Chase's mobile app remain available 24/7 on both days.

The exact closing time on New Year's Eve can vary by location. Some branches in high-traffic areas may stay open until 3 p.m., while others close at 2 p.m. If you need to visit a branch on December 31st, call ahead to confirm your specific location's hours rather than assuming the standard time.

Online banking, bill pay, and transfers through the Chase app work normally on New Year's Eve and New Year's Day. If you need cash, ATMs dispense money around the clock. Checks deposited through mobile deposit process on the next business day (January 2nd) if you submit them on the holiday itself.

Key Takeaways

  • Chase branches close at 2 p.m. on New Year's Eve instead of their regular afternoon closing time.
  • All Chase branches are completely closed on New Year's Day, a federal holiday.
  • ATMs, mobile deposit, and the Chase app work 24/7 on both December 31st and January 1st.
  • Checks deposited on New Year's Day through mobile deposit will process the next business day.
  • Call your local branch before December 31st if you need to confirm exact closing time, since some locations vary.

When you can use Chase services on New Year's Eve

Between midnight and 2 p.m. on December 31st, you can visit a Chase branch in person, speak with a teller, and conduct transactions like withdrawals, deposits, or account changes. After 2 p.m., branches close for the day. If your branch is in a shopping center or mall, it may close even earlier if the shopping center itself closes early for the holiday.

If you need to deposit a check or transfer money after 2 p.m. on New Year's Eve, use the Chase mobile app or website. Mobile check deposit processes when ready, though the funds may not be available until the next business day depending on your account type and the check amount. Transfers between your own Chase accounts post when ready.

What happens to transactions on New Year's Day

Transactions you initiate through the Chase app or website on New Year's Day (January 1st) will process, but the timing depends on the type of transaction. Transfers between your own Chase accounts go through when ready. Bill payments and external transfers (to other banks) typically process on the next business day, January 2nd, because the banking system itself is closed.

If you deposit a check through mobile deposit on New Year's Day, Chase receives it, but the funds won't be available until January 2nd at the earliest. The same applies to checks deposited at ATMs on the holiday. Wire transfers cannot be sent on New Year's Day because the Federal Reserve's wire system is closed.

ATM access and cash withdrawals on the holidays

Chase ATMs work 24/7 on New Year's Eve and New Year's Day. You can withdraw cash, deposit checks, transfer money between accounts, and check your balance at any time. ATM deposits process into your account, but the funds may not be available until the next business day depending on your account type.

If you need cash for the holiday, withdraw it before 2 p.m. on December 31st or use an ATM after your branch closes. ATMs do not run out of cash on holidays, but if you need a large withdrawal, it is safer to get cash during regular business hours on December 30th.

Planning ahead for holiday banking needs

If you need to pay a bill, make a large deposit, or handle account issues before the New Year, do it on December 30th when branches are open at full hours. This avoids the rush on New Year's Eve and ensures any questions get answered by a teller rather than waiting until January 2nd.

For routine transactions—checking your balance, paying bills online, or transferring money between your own accounts—use the Chase app or website on December 31st and January 1st. These services work normally and do not depend on branch staff or the Federal Reserve's operating schedule.

Frequently Asked Questions

Can I get a cashier's check on New Year's Eve?

Only if you visit a Chase branch before 2 p.m. on December 31st. Cashier's checks require a teller and cannot be ordered through the app or ATM. If you need one for a transaction on January 1st or 2nd, order it on December 30th instead.

Will my direct deposit process on New Year's Day?

Direct deposits scheduled for January 1st typically do not process because the Federal Reserve's ACH system is closed on federal holidays. Your employer's payroll will likely deposit the funds on January 2nd instead. Check with your employer's payroll department if you are unsure of the deposit date.

Can I pay my Chase credit card bill on New Year's Day?

Yes, through the Chase app or website. The payment posts when ready to your account, though it may not clear from your bank account until January 2nd. If your payment due date is January 1st, paying through the app on that day counts as on-time.

What if I need to speak to someone at Chase on New Year's Day?

Chase customer service phone lines are closed on New Year's Day. Use the Chase app to message customer service, and a representative will respond on January 2nd. For urgent issues, call the number on the back of your Chase card—some lines have holiday staffing for emergencies.

Do Chase branches have different hours on New Year's Eve in different states?

All Chase branches close at 2 p.m. on New Year's Eve regardless of state, since it is a federal holiday. However, individual branch locations may vary slightly, so calling ahead is the safest way to confirm. New Year's Day closures are the same nationwide.