Chase is open on Columbus Day, but branch hours vary by location

Chase Bank observes Columbus Day as a federal holiday, which means most branches close for the day. However, some Chase locations stay open with modified hours, particularly in states that do not recognize Columbus Day or in areas where the bank has decided to remain staffed. Your specific branch may be open, closed, or operating on a reduced schedule — you cannot assume either way without checking.

The safest approach is to look up your branch's hours directly through Chase's branch locator tool on their website or call ahead. Columbus Day falls on the second Monday in October each year. If you need to make a payment, transfer money, or handle banking on that day, you have options that do not require a physical branch.

Key Takeaways

  • Most Chase branches close on Columbus Day, but some locations remain open with different hours — check your specific branch before you go.
  • You can deposit checks, pay bills, and transfer money through Chase's mobile app or website on Columbus Day without visiting a branch.
  • ATMs work 24/7 regardless of branch closures, so you can withdraw cash or check your balance anytime.
  • If you need to speak with a representative, Chase customer service is available by phone on Columbus Day, though wait times may be longer.

How to find your branch's Columbus Day hours

Go to chase.com and use the "Find a Branch or ATM" tool. Enter your address or zip code, and the results will show each nearby location with its regular hours and any holiday adjustments. Columbus Day hours appear on the branch details page — some will say "Closed" and others will list a specific time range like "9 a.m. to 2 p.m."

If the website does not show holiday hours clearly, call your branch directly. The phone number appears in the branch locator results. A staff member can confirm whether they are open on Columbus Day and for how long. This takes two minutes and removes any doubt.

Banking tasks you can handle without a branch on Columbus Day

The Chase mobile app and website stay operational on Columbus Day. You can deposit checks by photographing the front and back through the app, transfer money between your own accounts or to other people, pay bills, check your balance, and freeze or unfreeze your debit card. These actions process immediately or within one business day depending on the type of transaction.

If you need to send money to someone else, use Chase QuickPay (for transfers between Chase customers) or set up a bill payment through your account. Both work on holidays. Wire transfers initiated on Columbus Day may not process until the next business day, since the banking system itself is closed.

ATM access and cash withdrawals on Columbus Day

Chase ATMs operate 24 hours a day, seven days a week, including Columbus Day. You can withdraw cash, deposit checks, transfer money between accounts, and check your balance at any Chase ATM regardless of branch status. If you need cash on Columbus Day, an ATM is your fastest option.

ATM transactions process in real time. Deposits may take until the next business day to show in your account, but the ATM will confirm the deposit immediately. If you use a non-Chase ATM, you may be charged a fee depending on your account type and the ATM operator's policies.

Phone and online customer service on Columbus Day

Chase customer service remains available by phone on Columbus Day. Call the number on the back of your debit or credit card, or visit chase.com to find the appropriate support line for your account type. Response times are typically longer on federal holidays because fewer representatives are working, so expect to wait longer than usual.

Online chat support may also be available, though response times will be delayed. If your issue is not urgent, consider waiting until the next business day when you can reach someone faster. For emergencies like fraud or a lost card, call the number on your card — Chase prioritizes these calls even on holidays.

States that do not observe Columbus Day

A small number of states do not recognize Columbus Day as a holiday. In Hawaii, it is called Aloha Festivals Day. In South Dakota, it is Native American Day. In Alaska, it is Alaska Day. In these states, some Chase branches may remain open on the second Monday in October because it is a regular business day for state government and many employers.

Even in these states, individual Chase branches may choose to close. Use the branch locator tool or call ahead to confirm. Do not assume a branch is open just because your state does not officially observe the holiday.

What to do if you need to make a payment on Columbus Day

If you have a Chase credit card or loan payment due on Columbus Day, pay it through the Chase app or website before the holiday. Payments submitted online typically process the same day if submitted before the cutoff time (usually 8 p.m. Eastern Time). If you miss the cutoff, the payment processes the next business day, which is still before most payment due dates.

If your payment is due on Columbus Day itself and you have not paid yet, submit it online immediately. Chase does not charge late fees if the payment posts by the due date, and online payments almost always post same-day. If your due date is the day after Columbus Day, you have until then to pay without penalty.

Frequently Asked Questions

Will my direct deposit process on Columbus Day?

Direct deposits scheduled for Columbus Day will not process until the next business day because the banking system is closed. If your paycheck is due on Columbus Day, it will arrive on Tuesday instead. Check with your employer about their payroll schedule if you are unsure when deposits hit your account.

Can I use my Chase debit card on Columbus Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Columbus Day. The card itself does not know or care that it is a holiday. Transactions process normally, though some may not post to your account until the next business day.

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

Report the issue through the Chase app or website, or call the number on the back of your card. A representative will take your report, but the investigation process does not begin until the next business day. Reporting on Columbus Day does not delay your case — it starts the same time as if you reported on Tuesday.

Are Chase loan payments due on Columbus Day?

Loan payment due dates do not move for holidays. If your payment is due on Columbus Day, pay it online before the holiday to avoid any issues. If you pay online by the cutoff time, it counts as on-time even if it processes the next day.

Can I open a new account on Columbus Day?

You cannot open an account at a closed branch, but you can start the process online through chase.com. You will need to complete identity verification, which may require a video call with a representative. These calls are not available on Columbus Day, so you would finish opening the account on the next business day.