Chase branches close on Veterans Day, but you can still access your money

Chase Bank observes Veterans Day as a federal holiday and closes all physical branches on November 11th each year. If November 11th falls on a weekend, Chase closes on the observed date — usually the nearest weekday. However, you can still withdraw cash, transfer money, pay bills, and check your balance through Chase's digital channels: the mobile app, online banking, and ATMs operate 24/7 even when branches are closed.

The closure affects only in-person services like speaking to a teller, opening new accounts, or getting a cashier's check. 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 or an ATM that accepts deposits (most Chase ATMs do). For urgent account issues, Chase customer service remains available by phone on Veterans Day.

Key Takeaways

  • Chase branches close on November 11th (or the observed date if it falls on a weekend), but ATMs and online banking work around the clock.
  • Mobile deposit through the Chase app lets you deposit checks on Veterans Day without visiting a branch.
  • You can withdraw cash, transfer money, and pay bills through the app or website even when branches are closed.
  • Chase customer service by phone is available on Veterans Day for account questions or problems.
  • If you need services that require a teller, plan ahead and visit your branch the day before the holiday.

What you can and cannot do on Veterans Day

Chase ATMs work on Veterans Day just like any other day. You can withdraw cash, deposit checks (if your ATM has a deposit slot), transfer money between your own accounts, and check your balance. Most Chase ATMs accept envelope-free check deposits, which means you can photograph the check through the mobile app instead of using the ATM's envelope slot.

What you cannot do is walk into a branch and speak to a teller. This means you cannot open a new account, order a cashier's check, get a certified statement, or resolve issues that require a teller's signature. You also cannot use the safe deposit box. If you need any of these services, do them on November 10th or wait until November 12th.

Online banking and the Chase mobile app have no holiday restrictions. You can pay bills, transfer money between accounts, set up automatic payments, dispute a charge, and review your transaction history at any time on Veterans Day.

How to deposit checks without a branch visit

Chase's mobile deposit feature lets you deposit checks through the app on Veterans Day. Open the Chase app, tap "Deposit a Check" under the account you want to deposit into, and photograph the front and back of the check. The app will tell you the deposit amount and when the funds will be available — usually one business day for checks under $5,000.

If your check is larger than $5,000 or if you do not have the Chase app, use a Chase ATM with a deposit slot. Insert the check into the slot, and the ATM will scan it and confirm the deposit amount on screen. The funds typically post within one business day, though weekend deposits may not process until Monday.

Do not mail a check on Veterans Day if you need the money quickly. Mailed checks take five to seven business days to arrive and process, and the Veterans Day closure adds another day to the timeline.

Reaching Chase customer service on Veterans Day

Chase customer service is available by phone on Veterans Day. Call the number on the back of your debit or credit card, or call Chase's main customer service line at 1-800-935-9935. Wait times may be longer than usual because fewer representatives are working, but the line is staffed.

You can also use the Chase app to message customer service through the find messaging feature. Send a message on Veterans Day, and a representative will respond the next business day. This works well for non-urgent questions like asking about a pending transaction or requesting a copy of a statement.

If you have a fraud concern or a card is lost or stolen, call when ready. Chase's fraud team works 24/7 and does not close for holidays.

Planning ahead for Veterans Day closures

If you know you will need cash or services on or around Veterans Day, handle it the day before. Withdraw cash from an ATM or teller on November 10th. If you need a cashier's check, order it on November 10th. If you need to open a new account, do it before the holiday.

Check your bill payment schedule. If a bill is due on November 11th or shortly after, set up the payment through online banking a few days early. Chase processes online bill payments within one to three business days, so a payment submitted on November 10th will likely reach the payee by November 13th.

If you have a pending wire transfer or a large transaction that requires verification, initiate it before Veterans Day. Teller-assisted transactions cannot be completed on the holiday, and some complex requests may need to wait until the branch reopens.

What happens to pending transactions on Veterans Day

Transactions you initiate through the app or online banking before Veterans Day will process normally. Transfers between your own Chase accounts post when ready or within hours. Bill payments and external transfers process according to their normal timeline — usually one to three business days — regardless of the holiday.

Deposits made through mobile deposit or ATM on Veterans Day will be processed the next business day. If Veterans Day falls on a Monday, deposits made on that day will not post until Tuesday. If it falls on a Friday, deposits will not post until Monday.

Checks you write will clear based on when the recipient deposits them, not based on when you wrote the check. The Veterans Day closure does not delay check clearing.

Frequently Asked Questions

Can I withdraw money from a Chase ATM on Veterans Day?

Yes. Chase ATMs operate 24/7 and are not affected by the branch closure. You can withdraw cash, deposit checks, transfer money, and check your balance on Veterans Day just as you would on any other day.

Will my bill payment go through if it is due on Veterans Day?

If you set up the payment through online banking or the app before Veterans Day, it will process on schedule. Bill payments initiated through Chase typically take one to three business days, so submit it a few days early to be safe. If you need to pay a bill due on Veterans Day itself, pay it the day before.

What if I need to deposit a large check on Veterans Day?

Use mobile deposit through the Chase app if the check is under your daily limit (usually $5,000 to $10,000 depending on your account). If the check is larger, use a Chase ATM with a deposit slot. For checks over the ATM limit, you will need to wait until the branch reopens on November 12th.

Is Chase customer service available on Veterans Day?

Yes. Call the number on the back of your card or 1-800-935-9935 to reach a representative. Wait times may be longer than usual. For non-urgent questions, use the find messaging feature in the Chase app and expect a response the next business day.

What if my card is lost or stolen on Veterans Day?

Call the fraud line when ready. The number is on the back of your card. Chase's fraud team works 24/7 and does not close for holidays. They can freeze your card and issue a replacement right away.