Chase branches close on Good Friday, but you can still access your money
Chase Bank is closed on Good Friday, which falls on a different date each year because it follows the lunar calendar. In 2024, Good Friday is March 29. In 2025, it is April 18. Your local branch will not be staffed, and you cannot walk in to deposit checks, withdraw cash, or speak to a banker in person.
However, you are not locked out of your money. ATMs work on Good Friday, and you can use Chase's mobile app and website to transfer funds, pay bills, and check your balance. If you need cash before the holiday, withdraw it on Thursday. If you need to deposit a check, use mobile deposit through the app or wait until Saturday morning.
Key Takeaways
- Chase branches close on Good Friday, but ATMs and online banking remain available all day.
- You can deposit checks remotely using the Chase mobile app's mobile deposit feature on Good Friday.
- If you need cash or must speak to a banker, plan ahead and visit your branch on Thursday or Saturday.
- Wire transfers and ACH payments initiated on Good Friday may not process until the following business day because the banking system itself is closed.
- Good Friday is a federal holiday, so all major banks observe it — not just Chase.
What you can and cannot do on Good Friday
ATMs are available 24/7, including Good Friday. You can withdraw cash, deposit cash or checks (if your ATM has a deposit slot), transfer money between your own accounts, and check your balance. Mobile deposit through the Chase app works on Good Friday as well — photograph the front and back of your check, and the app will submit it for processing.
Online banking and the Chase app work normally. You can pay bills, transfer money to other Chase accounts or external banks, set up automatic payments, and view your transaction history. However, any transaction that requires the banking system to process it on the same day — such as a wire transfer or an ACH payment to another bank — will not complete until the next business day, which is Saturday. Some transactions may not settle until Monday.
You cannot visit a branch, speak to a banker in person, or use services that require staff. This includes opening a new account, applying for a credit card, getting a cashier's check, or discussing a loan. If you need any of these services, visit on Thursday or Saturday.
When transactions actually process on Good Friday
The federal banking system closes on Good Friday, which means the infrastructure that moves money between banks does not operate. If you send a wire transfer or ACH payment on Good Friday, the receiving bank will not receive it until Saturday at the earliest, and often not until Monday. Checks you deposit on Good Friday will not clear until at least Saturday or Monday, depending on the check's origin bank.
Transactions within Chase — moving money from one Chase account to another — may process immediately or by the end of the day, because they do not require the federal system. Debit card purchases and ATM withdrawals process in real time. But anything that crosses bank lines waits until the system reopens.
If you have a payment due on Good Friday and you are cutting it close, send it on Thursday instead. If you are expecting a deposit on Good Friday, it will likely arrive on Saturday or Monday depending on the source.
Planning ahead for Good Friday banking needs
Check the Good Friday date for the year you are planning. The date changes annually because Easter is calculated based on the lunar calendar. Most financial websites and your Chase app will show you the holiday calendar for your region.
If you need cash, withdraw it on Thursday. If you need to deposit a check, use mobile deposit on Good Friday or visit a branch on Saturday morning. If you need to send money to another bank, initiate the transfer on Thursday so it processes on Friday and arrives by Saturday or Monday.
If you have a bill due on Good Friday, pay it on Thursday. If you are expecting a direct deposit on Good Friday, assume it will not arrive until Saturday or Monday and plan your spending accordingly.
Other banks and the Good Friday closure
All major banks — Bank of America, Wells Fargo, Citibank, US Bank, and others — close on Good Friday. Credit unions also close. The closure is federal, not a Chase decision. ATMs at all banks remain open, and online banking works across all institutions.
If you bank at multiple institutions, remember that none of them will process interbank transfers on Good Friday. If you need to move money between banks, do it on Thursday.
What to do if you have an urgent banking need on Good Friday
If you have a true emergency — you need cash and have no ATM access, or you need to dispute a fraudulent transaction — call Chase's customer service line. The number is on the back of your debit card. Chase maintains a customer service team on holidays, though wait times are longer. They cannot process all transactions, but they can help with fraud disputes and answer questions about your account.
For most situations, however, planning ahead is the better solution. Withdraw cash on Thursday, deposit checks via mobile deposit, and send transfers the day before the holiday.
Frequently Asked Questions
Can I use my Chase debit card on Good Friday?
Yes. Debit card purchases process normally on Good Friday because they do not require the federal banking system to settle immediately. The transaction will show in your account right away. ATM withdrawals also work without delay.
Will my direct deposit arrive on Good Friday?
Probably not. Direct deposits are processed by the federal ACH system, which is closed on Good Friday. If your employer sends the deposit on Friday, it will arrive on Saturday or Monday. If they send it on Thursday, it may arrive on Friday. Contact your payroll department to confirm when they submit deposits.
What if I deposit a check on Good Friday using mobile deposit?
The check will be submitted for processing, but it will not clear until Saturday at the earliest, and often not until Monday. Mobile deposit works on the holiday, but the banking system that clears checks does not.
Can I open a new Chase account on Good Friday?
No. Account opening requires a banker to review your information and set up the account. All Chase branches are closed on Good Friday. You can open an account online through the Chase website, but the account may not be fully active until the next business day.
Is Good Friday a holiday at Chase every year?
Yes. Good Friday is a federal holiday, and all banks observe it. The date changes each year because Easter is calculated based on the lunar calendar. Check your Chase app or website for the exact date each year.