Chase branches close on Columbus Day, but digital banking stays open

Chase Bank observes Columbus Day as a federal holiday, so all physical branch locations are closed on that day. You cannot walk into a branch, speak to a teller, or use the safe deposit box. However, your Chase account itself does not close — you can still use your debit card, make transfers online, pay bills through the app, and access ATMs.

The exact date of Columbus Day changes each year. In the United States, it falls on the second Monday in October. In 2024, that is October 14. In 2025, it is October 13. Check your calendar or Chase's website to confirm the date in your year.

If you need to handle something that requires a teller or a banker — depositing a check, withdrawing cash, opening an account, discussing a loan — you will need to wait until the next business day or use a different method.

Key Takeaways

  • All Chase branch locations close on Columbus Day, which falls on the second Monday in October each year.
  • Online banking, mobile app transfers, bill pay, and ATM withdrawals work normally on Columbus Day because they do not require a branch to be staffed.
  • If you need to deposit a check or speak to a banker, you must do it on a day the branch is open.
  • Chase customer service phone lines may have reduced hours or longer wait times on or around the holiday.

What you can and cannot do on Columbus Day

On Columbus Day, you can use any Chase service that does not require a physical location or a live person. This includes transferring money between your own accounts, sending money to another person through Chase QuickPay or Zelle, paying bills online, depositing checks through mobile check deposit (if your account has that feature), and withdrawing cash from any Chase ATM. Your debit card works at any merchant or ATM nationwide.

You cannot visit a branch to deposit cash, withdraw large amounts, order a cashier's check, open a new account, close an account, discuss a mortgage or loan application, or access a safe deposit box. If you need any of these services, plan ahead and complete them before Columbus Day or after the branch reopens.

Mobile check deposit as an alternative to branch visits

If you need to deposit a check before Columbus Day and your branch will be closed, use Chase's mobile check deposit feature through the app. You photograph the front and back of the check, enter the amount, and submit it. The funds typically appear in your account within one business day, though Chase may hold the deposit for up to five business days depending on the amount and your account history.

Mobile check deposit has limits. Chase usually caps deposits at $2,500 per check and $5,000 per day, though these limits vary by account type. If you are depositing a larger check or multiple checks, you may need to wait until the branch reopens or use a different method.

ATM access on Columbus Day

Chase ATMs operate 24 hours a day, 7 days a week, including Columbus Day. You can withdraw cash, check your balance, transfer money between accounts, and deposit cash or checks (if the ATM has a deposit slot) at any time. There is no holiday interruption to ATM service.

If you use an ATM outside the Chase network, your bank may charge a fee. Chase does not charge its own customers for using Chase ATMs, but other banks' ATMs may charge you $2 to $3 per transaction. Plan ahead if you need cash and want to avoid out-of-network fees.

Customer service phone lines on and around Columbus Day

Chase customer service lines may have reduced staffing or longer wait times on Columbus Day itself. If you call the main customer service number, you may wait longer than usual or reach an automated system. For urgent issues, try calling early in the morning or later in the evening, when call volume is typically lower.

If your issue is not urgent, wait until the day after Columbus Day to call. You will reach a representative faster, and they will have full access to all systems and tools. For non-urgent questions, you can also use the Chase app's message feature to contact support, which may have a faster response time than phone lines during busy periods.

Planning ahead to avoid Columbus Day closures

If you know you will need branch services around Columbus Day, complete them the business day before. Deposit checks, withdraw cash, open accounts, or discuss loans on Friday if Columbus Day falls on Monday. This gives you time to handle everything without rushing and without waiting for the branch to reopen.

If you are expecting a check or payment that needs to be deposited, use mobile check deposit or ask the sender to use direct deposit instead. Direct deposit goes straight into your account without requiring a branch visit. For recurring payments or bills, set them up through online bill pay so you do not have to visit a branch to make payments.

What happens if you miss a payment deadline on Columbus Day

If a bill payment or loan payment is due on Columbus Day, the deadline does not move — but the way you pay does matter. If you pay online or through the app before midnight on Columbus Day, the payment posts on time. If you were planning to pay in person at a branch, you cannot do that on Columbus Day, so you must use online or mobile banking instead.

If you miss a payment deadline because the branch was closed, contact Chase as soon as the branch reopens. Explain that you tried to pay but could not reach the branch. Chase may waive a late fee in some cases, though this is not may provide. The best approach is to use online banking to avoid depending on branch hours.

Frequently Asked Questions

Can I deposit cash at a Chase ATM on Columbus Day?

Yes, if the ATM has a cash deposit slot. Chase ATMs operate around the clock on holidays. However, the deposit may not post to your account until the next business day after Columbus Day, since no one processes deposits on the holiday itself.

Will my direct deposit still arrive on Columbus Day?

Direct deposits scheduled for Columbus Day may arrive a day late because the banking system does not process ACH transfers on federal holidays. Check with your employer or the source of the deposit to confirm the expected arrival date. If it is scheduled for Columbus Day, it usually arrives on Tuesday instead.

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

You can report a fraudulent or incorrect transaction through the Chase app or online banking at any time. However, a representative cannot investigate or respond until the next business day. Report it as soon as you notice it, even on the holiday, so the timestamp is recorded early.

Are Chase loan payments due on Columbus Day?

Yes, loan payments are still due on their scheduled date even if that date is Columbus Day. Pay online or through the app to meet the deadline. If you pay after midnight on Columbus Day, it may be considered late. Contact Chase before the due date if you need to reschedule.

Can I open a new Chase account on Columbus Day?

You cannot open an account in a branch on Columbus Day, but you may be able to open one online through the Chase website. Some account types can be opened entirely online without visiting a branch. Check the Chase website to see which accounts offer online opening, or wait until the branch reopens if you prefer to open an account in person.