Chase branches close on Veterans Day, but your account access does not stop

Chase Bank observes Veterans Day as a federal holiday and closes all physical branches on November 11 each year. You cannot walk into a branch, speak to a teller, or use the safe deposit box on that day. However, you can still access your money through ATMs, the Chase mobile app, online banking, and phone support — those services run 24/7 regardless of the holiday.

If you need to deposit a check, withdraw cash, or handle something that requires a teller, plan to do it the day before or the day after. If November 11 falls on a weekend, Chase typically closes on the observed date — usually the Friday before or the Monday after, depending on the year.

Key Takeaways

  • Chase branches close on November 11 (Veterans Day), but ATMs and online banking remain available around the clock.
  • Phone support and the Chase mobile app work normally on Veterans Day, so you can transfer money, pay bills, or check balances without visiting a branch.
  • If you need cash or want to deposit a check in person, complete that transaction on November 10 or November 12.
  • When Veterans Day falls on a weekend, Chase observes the holiday on the nearest weekday — check your local branch's posted schedule to confirm the exact closure date.

What you can and cannot do on Veterans Day

On Veterans Day, you lose access only to in-person services. You cannot deposit checks at a teller, withdraw large amounts of cash, access a safe deposit box, or meet with a banker to discuss loans or accounts. You also cannot use the branch's notary service or wire money through a teller.

Everything else works normally. ATMs dispense cash and accept deposits (though deposited checks may not post until the next business day). The Chase mobile app lets you transfer money between accounts, pay bills, send money to other people, and deposit checks by photo. Online banking at chase.com works the same way. If you call Chase customer service, a representative will answer and can help with account questions, fraud reports, or payment issues.

When to plan ahead for time-sensitive transactions

If you have a bill due on or around Veterans Day, pay it before November 11 using the app or online banking. ACH transfers and bill payments typically post within one to three business days, so a payment made on November 10 will likely clear by November 13. If you wait until November 12, the payment may not post until November 15, which could trigger a late fee if the due date was November 13.

If you need to deposit a physical check and want it to post quickly, deposit it by November 10. Checks deposited on November 12 will not post until November 13 at the earliest, and sometimes not until November 14 if the bank processes them in batches.

Wire transfers initiated through the app or online banking may also be delayed on Veterans Day. If you need to send money urgently, do it before the holiday or use a peer-to-peer service like Zelle, which processes instantly regardless of bank holidays.

How to handle emergencies on Veterans Day

If your card is lost, stolen, or compromised on Veterans Day, call Chase's fraud line immediately — it operates 24/7 and is not affected by holidays. A representative will freeze your card and issue a replacement. You can also freeze or unfreeze your card through the mobile app without calling.

If you need cash and the ATM is out of service or empty, you can use your Chase debit card at any retailer that offers cash back — grocery stores, pharmacies, and convenience stores all participate. This works on Veterans Day just like any other day.

If you have a question about a transaction or suspect fraud, you can report it through the app, online banking, or by calling customer service. The call center is staffed on Veterans Day, and your report will be logged immediately.

Veterans Day closures at different Chase locations

All Chase branches close on Veterans Day, but the exact date may vary slightly depending on where you live. If November 11 falls on a Saturday, most Chase locations close on Friday, November 10. If it falls on a Sunday, they close on Monday, November 12. Some branches in states or cities with different holiday observances may have different schedules, though this is rare for federal holidays.

To confirm your branch's closure date, call ahead or check the branch locator on chase.com. Enter your zip code and select your branch — the hours listed will show whether it is closed on the date you are planning to visit.

Planning around Veterans Day if you are military or a veteran

Chase does not offer special hours or services for military members or veterans on Veterans Day itself. However, Chase does offer military banking benefits year-round, including waived fees on certain accounts and discounted rates on some products. These benefits are separate from holiday hours and remain available before and after Veterans Day.

If you are a veteran or active-duty service member and want to discuss military banking options, visit a branch on a regular business day or call customer service to learn what programs you may be may be able to access for.

Frequently Asked Questions

Can I use my Chase debit card on Veterans Day?

Yes. Your debit card works at ATMs, stores, and online merchants on Veterans Day just like any other day. The holiday only affects Chase branch locations, not the card itself or the payment network.

Will my bill payment post if I submit it on Veterans Day?

It depends on the payee and the time you submit it. Payments submitted through Chase online banking or the app on Veterans Day typically post within one to three business days. If the due date is November 12 or 13, submit the payment by November 10 to be safe.

What if I need to deposit a check and the branch is closed?

Use mobile check deposit through the Chase app — photograph the front and back of the check and submit it. The check will post within one to three business days. You can also mail the check or deposit it at an ATM if your branch has one that accepts deposits.

Is Chase customer service open on Veterans Day?

Yes. Phone support, the mobile app, and online banking all operate 24/7, including Veterans Day. You can call to report fraud, ask account questions, or resolve issues without waiting for a branch to reopen.

What happens if I try to use an ATM on Veterans Day and it is broken?

Use a different Chase ATM or visit a non-Chase ATM — most banks allow out-of-network withdrawals, though you may pay a fee. You can also get cash back at any store that accepts your debit card, with no fee.