Chase branches are closed on Columbus Day

Chase observes Columbus Day as a federal holiday, so all Chase branches are closed on that day. The exact date changes each year — Columbus Day falls on the second Monday in October. In 2024, that's October 14. In 2025, it's October 13.

If you need to do banking on Columbus Day, you have options that don't require a branch visit. Chase's mobile app and website stay open around the clock, so you can transfer money, check balances, pay bills, and deposit checks by phone camera. ATMs also work on holidays, though you won't be able to speak to someone in person.

If you do need to reach a person, Chase customer service by phone operates on a limited schedule on federal holidays. Wait times are often longer than usual because fewer staff are available.

Key Takeaways

  • All Chase branches close on Columbus Day, which falls on the second Monday in October each year.
  • You can still use Chase ATMs, the mobile app, and the website to handle most banking needs on the holiday.
  • Phone customer service runs on reduced hours on Columbus Day, so expect longer wait times if you call.
  • If you need cash or have a question that requires a person, plan ahead and visit your branch the day before or after.

What you can do on Columbus Day without a branch

The Chase mobile app works the same way on Columbus Day as any other day. You can send money to other people, move funds between your own accounts, pay bills to companies and people, and deposit checks by taking a photo of the front and back. You can also check your balance, review recent transactions, and set up alerts.

The Chase website (chase.com) offers the same services if you prefer to use a computer instead of your phone. Both the app and website are available 24 hours a day, including holidays.

Chase ATMs are also open on Columbus Day. You can withdraw cash, deposit checks or cash, transfer money between accounts, and check your balance at any Chase ATM or at ATMs in the Allpoint network (which includes ATMs at many grocery stores and pharmacies). ATM transactions process when ready or within one business day, depending on the type of transaction.

When to call Chase customer service on the holiday

Chase customer service does answer phones on Columbus Day, but on a reduced schedule. The exact hours vary by the type of account you have and the service you need. Credit card customer service, checking and savings account support, and mortgage questions may have different phone lines with different hours.

If you do call, expect to wait longer than usual. Many customers call on holidays because branches are closed, so the phone lines fill up quickly. If your question is not urgent, calling the day after the holiday will usually get you through faster.

Before you call, check whether the Chase website or app can solve your problem. Most account questions, payment issues, and balance questions can be handled online without speaking to anyone.

Planning ahead for Columbus Day banking

If you know you'll need cash or need to speak to someone in person, withdraw money and handle your banking the day before Columbus Day. Most people do the same thing, so Friday before the holiday is busier than usual — if you can, go Thursday instead.

If you have a check to deposit, use mobile deposit through the app instead of waiting for a branch to open. The check clears the same way, and you don't have to carry the physical check.

If you have a question about a loan, mortgage, or account issue that requires a person, call the day before the holiday or the day after. You'll reach someone faster and won't be competing with the holiday rush.

Other Chase services on Columbus Day

Chase's online bill pay service works on Columbus Day. If you've set up automatic payments, they process on schedule. If you need to send a one-time payment, you can schedule it through the app or website, and it will go out on the date you choose.

Chase credit cards work normally on Columbus Day — you can use them to make purchases at any store or online. The card itself doesn't know it's a holiday. If you have a question about a charge or need to report fraud, call the customer service number on the back of your card, though you may wait longer than usual.

If you have a Chase business account, some services may have different holiday hours. Check your account documents or call your business banking representative before the holiday to confirm.

Frequently Asked Questions

Can I get cash on Columbus Day if I don't have a Chase ATM nearby?

Yes. Chase ATMs are open on Columbus Day, and you can also use ATMs in the Allpoint network, which includes machines at many grocery stores, pharmacies, and convenience stores. You can find an Allpoint ATM near you through the Chase app or at allpointnetwork.com. Some ATMs charge a fee if you don't have an account with that bank, so check before you withdraw.

Will my direct deposit or automatic payment go through on Columbus Day?

Direct deposits and automatic bill payments scheduled for Columbus Day may process on the holiday or may wait until the next business day, depending on your bank and the type of payment. Transfers between your own Chase accounts usually process the same day. If timing is important, schedule payments for the day before or after the holiday to be safe.

What if I need to dispute a charge on Columbus Day?

You can report fraud or dispute a charge through the Chase app or website on Columbus Day. Go to your account, find the transaction, and select the option to report it. A Chase representative will contact you within one to two business days. If you need to speak to someone when ready, call the number on the back of your card, though wait times will be longer.

Are Chase loan payments due on Columbus Day?

If your loan payment is due on Columbus Day, it's usually treated as due the next business day instead. Check your loan documents or call Chase to confirm the exact due date for your account. If you want to pay early to be safe, you can do it through the app or website anytime.