Chase branches are closed on Thanksgiving Day, but you can still access your money

Chase Bank branches close on Thanksgiving Day in the United States. You cannot walk into a branch, speak to a teller, or use the safe deposit box. However, you can still move money and check your account through ATMs, the Chase mobile app, and Chase.com — these services run 24/7 even when branches are closed.

If you need cash before the holiday, withdraw it the day before. If you need to deposit a check or handle something that requires a teller, you have until the close of business on Wednesday before Thanksgiving, or you can visit on Friday after the holiday.

Key Takeaways

  • All Chase branches are closed on Thanksgiving Day; no teller services or in-person transactions are available.
  • ATMs work normally on Thanksgiving, so you can withdraw cash or check your balance at any Chase ATM or ATM in the Allpoint network.
  • Mobile app and online banking are available 24/7, including Thanksgiving Day, for transfers, bill pay, and account management.
  • If you need to deposit a check or handle a transaction requiring a teller, do it before Wednesday or wait until Friday.
  • Wire transfers and ACH transfers initiated through the app or website on Thanksgiving may not process until Friday.

What you can do on Thanksgiving with Chase

ATMs are your main option for cash and basic account access. You can withdraw money, deposit checks at Chase ATMs equipped with mobile deposit or envelope slots, transfer funds between your own accounts, and check your balance. If you use a non-Chase ATM, you may be charged a fee — Chase reimburses out-of-network ATM fees for most account types, but the reimbursement posts later, not when ready.

The Chase mobile app and website let you pay bills, send money to other people through Chase QuickPay or external transfers, move money between accounts, deposit checks by photograph, and review transactions. These actions process when ready or queue for processing when the banking system reopens on Friday, depending on the type of transaction.

Transactions that wait until Friday

Some transactions initiated on Thanksgiving will not complete until the banking system reopens on Friday. Wire transfers, ACH transfers to external accounts, and checks you write all require the banking system to be active. If you send an ACH transfer or wire on Thanksgiving through the app or website, it enters the queue and processes on Friday morning.

Checks you deposit on Thanksgiving at an ATM will be processed on Friday. The funds may not be available in your account until Friday or later, depending on the check amount and your account type. Mobile check deposits (photographing the check through the app) follow the same timeline.

Planning ahead for holiday banking

If you need cash for the holiday, withdraw it on Wednesday or earlier. ATMs can run out of cash during heavy holiday use, so plan ahead rather than waiting until Thanksgiving morning. If you are traveling and need cash, locate a Chase branch or ATM in your destination before you leave — use the Chase branch locator on Chase.com or the mobile app.

If you need to make a large transfer or handle something that requires a teller, do it before Wednesday. Loan payments, mortgage payments, and other critical bills should be scheduled to process before Thanksgiving or after Friday to avoid delays. Check your paycheck schedule as well — if you are paid on Thursday and Thanksgiving falls on Thursday, your direct deposit will arrive on Friday instead.

Other Chase services on Thanksgiving

Chase customer service phone lines are closed on Thanksgiving. If you need to report a lost or stolen card, you can do so through the mobile app or website — the app has a "Lock Card" feature that freezes the card when ready without waiting for a representative. You can also order a replacement card through the app.

If you have an urgent issue that cannot wait until Friday, some Chase locations in major cities may have limited holiday hours. Call ahead to confirm, but most branches observe the full holiday closure. Debit card transactions at stores and online work normally on Thanksgiving because the merchant's payment system processes them, not Chase's branch network.

The Friday after Thanksgiving

Chase branches reopen on Friday after Thanksgiving with normal hours. All transactions queued from Thanksgiving process on Friday morning. Deposits made at ATMs on Thanksgiving are processed, and funds become available according to your account's standard deposit timeline. If you need to handle anything in person, Friday is your first opportunity.

Direct deposits scheduled for Thanksgiving arrive on Friday. Wire transfers and ACH transfers initiated on Thanksgiving complete on Friday. If you wrote checks on Thanksgiving, they begin clearing on Friday as well. Plan for this delay when scheduling payments around the holiday.

Frequently Asked Questions

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

Yes. Your debit card works at stores and online on Thanksgiving because the merchant's payment system processes the transaction, not Chase's branch network. The charge posts to your account, though the exact timing depends on the merchant and the type of transaction.

What if I need to report fraud on Thanksgiving?

Report it through the Chase mobile app or website when ready — both have fraud reporting options available 24/7. You can also freeze or lock your card through the app. If you need to speak to someone, call the number on the back of your card; Chase maintains phone lines for fraud and lost cards even on holidays.

Will my direct deposit process on Thanksgiving?

No. Direct deposits scheduled for Thanksgiving will not process until Friday. If your employer normally deposits on Thursday and Thanksgiving falls on Thursday, the deposit arrives on Friday instead. Check with your employer about their holiday schedule.

Can I transfer money to another bank on Thanksgiving?

You can initiate the transfer through the Chase app or website on Thanksgiving, but it will not actually move until Friday when the banking system reopens. External ACH transfers typically take one to three business days anyway, so a Thanksgiving transfer will arrive on Friday at the earliest.

What if I lose my Chase card on Thanksgiving?

Lock or freeze the card when ready through the mobile app — this stops new charges right away. Order a replacement card through the app as well. You can also call the number on the back of your card to report it; Chase maintains 24/7 customer service for lost and stolen cards even on holidays.