Chase is closed on Presidents Day, but you can still access your money

Chase Bank branches close on Presidents Day (the third Monday in February). All physical locations are shut, and you won't be able to walk in or speak to a teller that day. However, you can still move money, pay bills, check balances, and handle most banking tasks through Chase's digital channels — the mobile app, website, or phone line — because those services run 24/7.

If you need cash before the holiday, withdraw it the day before. If you need to deposit a check, use mobile deposit through the app (available anytime) or an ATM if your bank has one. Transactions you submit online or through the app on Presidents Day will process, but they may not clear until the next business day.

Key Takeaways

  • All Chase branches close on Presidents Day; no in-person banking is available that day.
  • Chase ATMs work 24/7, so you can withdraw cash or deposit checks at any Chase ATM on Presidents Day.
  • Online banking, the mobile app, and phone support are available all day on Presidents Day, though some transactions won't clear until Tuesday.
  • If you need to speak to a person, call back on Tuesday when branches reopen at their normal hours.
  • Wire transfers and ACH payments submitted on Presidents Day typically process the next business day.

What you can and cannot do on Presidents Day

You cannot visit a Chase branch, speak to a teller in person, or use services that require a physical location. You also cannot get a cashier's check, notary service, or safe deposit box access on Presidents Day. If you need any of these, handle them before the holiday or wait until Tuesday.

You can use Chase ATMs to withdraw cash, deposit checks via the ATM envelope, or check your balance. You can log into Chase.com or the mobile app to transfer money between your own accounts, pay bills, send money to other people through Chase QuickPay, or view your statements. You can call Chase customer service at the number on the back of your card — phone lines stay open — though wait times may be longer than usual because branches are closed.

Mobile deposit and ATM options on the holiday

Mobile deposit through the Chase mobile app works on Presidents Day. Take a photo of the front and back of your check, submit it through the app, and the deposit is recorded when ready. The funds typically appear in your account within one business day, though some checks take longer depending on the amount and your account history.

Chase ATMs are available 24/7, including on Presidents Day. You can withdraw cash, deposit checks in the envelope slot, transfer money between accounts, or check your balance. ATM transactions process right away. If you don't have a Chase ATM nearby, you may be able to use an ATM from another bank, though you may be charged a fee.

When transactions clear after Presidents Day

Transactions you submit online or through the app on Presidents Day will be queued but won't clear until Tuesday, when the banking system resumes normal processing. This includes bill payments, transfers to other banks, and wire transfers. If you have a payment due on Presidents Day itself, submit it the day before to avoid a late fee.

Internal transfers between your own Chase accounts usually clear the same day or next business day, depending on the account type. Transfers to accounts at other banks typically take one to three business days. Check the confirmation screen when you submit the transaction — it will tell you when Chase expects the money to arrive.

Planning ahead to avoid problems

If you know you'll need cash on Presidents Day, withdraw it on Friday or Monday before the holiday. If you need to deposit a check, use mobile deposit or an ATM the day before or on Presidents Day itself. If you have a bill due on Presidents Day, pay it by Monday at the latest.

If you're expecting a direct deposit (paycheck, tax refund, benefits payment) on Presidents Day, it may arrive a day late because the banking system doesn't process on federal holidays. Check with your employer or the agency sending the payment to confirm the expected date. If they say Presidents Day, ask whether they mean the actual holiday or the next business day.

Frequently Asked Questions

Can I use my Chase debit card on Presidents Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Presidents Day. The transaction will process, though it may not clear from your account until Tuesday. You can also use your card to withdraw cash from any ATM.

Will my direct deposit arrive on Presidents Day?

Direct deposits scheduled for Presidents Day usually arrive on Tuesday instead, because the Federal Reserve doesn't process payments on federal holidays. Contact your employer or the agency sending the deposit to confirm whether they're sending it for the holiday itself or the next business day.

What if I need to speak to someone on Presidents Day?

Call the number on the back of your Chase card. Customer service lines are open, though wait times are often longer because branches are closed. If you need something that only a branch can handle (notary, cashier's check, safe deposit box), you'll need to wait until Tuesday.

Can I pay my Chase credit card bill on Presidents Day?

Yes. You can pay through the Chase app, website, or by phone on Presidents Day. The payment will be recorded when ready, but it won't clear from your bank account until Tuesday. To be safe, submit payments by Monday if they're due on or near Presidents Day.

Are Chase ATMs open on Presidents Day?

Yes. Chase ATMs are open 24/7, including on Presidents Day. You can withdraw cash, deposit checks, transfer money, or check your balance anytime.