Chase branches close on Washington's Birthday

Chase Bank branches close on Washington's Birthday, which falls on the third Monday in February each year. In 2025, that date is February 17. If you need to visit a branch for in-person banking, do your banking the day before or the day after the holiday.

The closure applies to all Chase branch locations nationwide. ATMs and online banking remain available 24/7, so you can withdraw cash, check balances, transfer money between your own accounts, and handle most routine banking without visiting a physical branch. Phone customer service also stays open, though wait times are typically longer on federal holidays.

Key Takeaways

  • Chase branches close on Washington's Birthday, the third Monday in February each year.
  • ATMs work normally on the holiday, and you can bank online and use your debit card anytime.
  • Checks deposited on the holiday will not process until the next business day.
  • Phone customer service is available 24/7, but expect longer wait times on the holiday itself.
  • Direct deposits and payroll transfers scheduled for the holiday typically arrive the next business day instead.

What you can still do on Washington's Birthday

Even though branches are closed, you have several ways to handle banking needs without visiting in person. Chase ATMs operate around the clock, so you can withdraw cash, deposit checks using the mobile app or ATM, and check your account balance at any time. Your debit card works at any merchant or ATM nationwide, and you can make purchases or get cash back at stores that accept cards.

Online banking through the Chase website or mobile app works normally on the holiday. You can transfer money between your own Chase accounts, pay bills online, send money to people at other banks, review recent transactions, and update your account information. If you have a question that requires speaking with a representative, you can call Chase customer service — the phone line stays open on federal holidays, though wait times may be longer than usual.

When deposits and transfers process

Checks you deposit on Washington's Birthday will not process until the next business day, Tuesday. This is true whether you deposit at an ATM, through the mobile app, or at a branch (if you somehow reach one). The bank counts the holiday as a non-business day, so the processing clock starts the following day. If you deposit a check on Monday, February 16, it will process on Tuesday, February 17 — but if you deposit on Tuesday, February 17, it will not process until Wednesday, February 18.

Transfers between your own Chase accounts process when ready, even on holidays. Transfers to other banks may take longer because the receiving bank is also closed and cannot receive the funds. If you need money to move quickly to another bank, transfer it before the holiday or wait until after. Direct deposits from your employer scheduled for Washington's Birthday typically arrive the next business day instead, so if your paycheck is due on the 17th, check with your employer about whether it will arrive on the 17th or the 18th.

Planning ahead for in-person needs

If you need to speak with a banker about opening an account, explore for a loan, disputing a transaction, or handling a complex issue, visit your branch on Monday, February 16, or Wednesday, February 18. Branches are typically busier the day before a holiday, so arriving early in the morning may mean a shorter wait. If you can wait until the day after the holiday, you may have a faster experience.

Some Chase locations inside grocery stores or other retailers may have different hours than standalone branches. Call your specific branch before the holiday to confirm it will be closed, or check the branch locator on Chase's website, which shows hours for each location. You can also text or call customer service to confirm your branch's holiday schedule.

Chase's full federal holiday schedule

Washington's Birthday is one of several federal holidays when Chase branches close. The bank also closes on New Year's Day (January 1), Martin Luther King Jr. Day (third Monday in January), Presidents' Day (third Monday in February — note that this is different from Washington's Birthday), Memorial Day (last Monday in May), Juneteenth (June 19), Independence Day (July 4), Labor Day (first Monday in September), Thanksgiving (fourth Thursday in November), and Christmas (December 25).

If you are unsure whether a specific date is a Chase holiday, the branch locator on the Chase website shows hours for each location. You can also call your branch directly, check your account statements (which note when the bank was closed), or contact customer service. Planning ahead for holidays helps you avoid surprises when you need banking services.

What to do if you need cash and ATMs are empty

ATMs can run low during holidays when branches are closed and cannot be refilled. If your nearest Chase ATM is empty, find another Chase ATM nearby using the branch locator on Chase's website, or use an ATM from another bank — most charge a small fee between $2 and $3, but it may be worth it in an emergency. Grocery stores and convenience stores often have ATMs available on holidays.

You can also get cash back when you make a purchase with your debit card at any store that accepts cards. This does not cost extra and is often faster than searching for an ATM on a busy holiday.

Frequently Asked Questions

Can I use my Chase debit card on Washington's Birthday?

Yes. Your debit card works at any merchant or ATM on the holiday. Only the physical branch locations close; the card network and ATM network operate normally, and you can make purchases or withdraw cash anytime.

Will my paycheck arrive on Washington's Birthday if it's scheduled for that day?

Direct deposits scheduled for Washington's Birthday typically arrive the next business day instead. Contact your employer's payroll department before the holiday to confirm the exact timing for your paycheck, as some employers adjust deposit dates in advance.

What if I need to dispute a charge on Washington's Birthday?

Call Chase customer service on the holiday to report the dispute — the phone line is open 24/7. You can also report it through the mobile app or online banking. Starting the dispute on the holiday ensures the clock starts ticking for the bank's investigation, even though branch staff are not available.

Does Chase customer service answer the phone on Washington's Birthday?

Yes, but wait times are usually longer than normal. If your question can wait, calling the day before or after the holiday will be faster. For urgent issues, the phone line is available 24/7.

Are Chase ATMs inside grocery stores closed on Washington's Birthday?

Chase ATMs operate normally on the holiday, even those inside grocery stores or other retailers. Only the staffed branch locations close. You can use any Chase ATM anytime on Washington's Birthday.