Chase is closed on New Year's Day, but you can still access your money

Chase Bank branches are closed on New Year's Day (January 1st) every year. This is a federal holiday, and all Chase locations observe it. However, being closed does not mean you lose access to your account—you can still deposit checks, transfer money, pay bills, and withdraw cash through ATMs, the Chase mobile app, and Chase.com.

If you need to handle something in person, the next business day after New Year's Day is when branches reopen. Plan ahead if you have checks to deposit or need to speak with someone face-to-face, because the delay can affect when funds post to your account.

Key Takeaways

  • All Chase branches close on New Year's Day; no in-person banking is available at any location.
  • ATMs work 24/7 on New Year's Day, so you can withdraw cash and check your balance anytime.
  • Mobile app and online banking are open all day, letting you transfer money, pay bills, and deposit checks remotely.
  • Checks deposited through the mobile app on New Year's Day may not post until the next business day or later, depending on the time you deposit.
  • Wire transfers and ACH payments initiated on New Year's Day will process the next business day, not the same day.

What you can do on New Year's Day without visiting a branch

Chase ATMs operate around the clock, including New Year's Day. You can withdraw cash, deposit cash or checks, transfer money between your accounts, and check your balance at any Chase ATM or ATM in the Allpoint network (which includes thousands of machines nationwide). There is no fee for using a Chase ATM, but out-of-network ATMs may charge you.

The Chase mobile app and Chase.com are both open on New Year's Day. You can log in to check your balance, view recent transactions, transfer money between your own accounts, pay bills through Chase Bill Pay, and deposit checks using mobile check deposit. These actions process immediately or queue for the next business day depending on the type of transaction and the time you initiate it.

When deposits and transfers actually post after New Year's Day

Timing matters when you use digital banking on a holiday. If you deposit a check through the Chase mobile app on New Year's Day, Chase receives it that day, but the check does not post to your account until the next business day (January 2nd). The funds may not be available to spend for one to two business days after that, depending on the check amount and your account history.

ACH transfers (like payments to another bank or bill payments) initiated on New Year's Day will not process until January 2nd. Wire transfers also wait until the next business day. If you need money to move by a specific date, initiate the transfer on the last business day before the holiday instead.

Payments you schedule through Chase Bill Pay to be sent on New Year's Day will process on that date, but the payee (like your utility company or landlord) may not receive it until the next business day or later, depending on their processing schedule.

How to find a Chase branch when it reopens

Chase branches reopen on January 2nd at their normal hours, which vary by location. Most branches open between 8 and 9 a.m. and close between 5 and 6 p.m. on weekdays. To find your nearest branch and confirm its hours, use the Chase branch locator on Chase.com or search "Chase near me" in Google Maps.

If you need to speak with someone before January 2nd, call Chase customer service at 1-800-935-9935. The phone line is open on New Year's Day, though wait times may be longer than usual. Have your account number or the card linked to your account ready.

Other Chase services that stay open on New Year's Day

Chase customer service phone lines remain open on New Year's Day from 8 a.m. to 8 p.m. Eastern Time. You can call to report a lost or stolen card, ask questions about your account, dispute a transaction, or get help with fraud. International customers can reach Chase at the number on the back of their card.

If you have a Chase credit card, you can still make payments through the app, website, or automated phone line on New Year's Day. Payments made before midnight are typically posted the same day, though some payments may queue for processing the next business day depending on the payment method.

What to do if you have an urgent banking need on New Year's Day

If you need cash, use a Chase ATM or an Allpoint ATM. If you need to report fraud or a lost card, call 1-800-935-9935. If you need to move money to another account, use the mobile app or Chase.com to initiate an ACH transfer or internal transfer (it will process on January 2nd). If you need to pay a bill urgently, use Chase Bill Pay or the payee's own website to schedule a payment.

For anything that requires a branch visit—such as opening a new account, getting a cashier's check, or speaking with a banker about a loan—wait until January 2nd when branches reopen. Planning ahead prevents the frustration of showing up to a closed location.

Frequently Asked Questions

Can I use my Chase debit card on New Year's Day?

Yes. Your debit card works at any merchant, ATM, or online store on New Year's Day. The holiday only affects Chase branch locations, not the card itself or your ability to spend money.

Will my direct deposit post on New Year's Day if it's scheduled for that date?

No. Direct deposits scheduled for New Year's Day will post on January 2nd instead, because the banking system does not process ACH transfers on federal holidays. Ask your employer or benefits provider to schedule deposits for January 2nd if you need the money by then.

What if I need a cashier's check on New Year's Day?

You cannot get a cashier's check on New Year's Day because branches are closed. If you need one urgently, contact Chase customer service at 1-800-935-9935 to ask whether they can issue one remotely or arrange it for January 2nd.

Do Chase credit card payments post on New Year's Day?

Payments made through the app or website on New Year's Day typically post the same day if submitted before midnight. However, payments made by mail or phone may queue for processing on January 2nd. Check your account the next day to confirm the payment posted.

Is Chase customer service available on New Year's Day?

Yes. Call 1-800-935-9935 between 8 a.m. and 8 p.m. Eastern Time on New Year's Day. Wait times are often longer than usual because of the holiday, so call early if possible.