Chase branches are closed on Memorial Day, but ATMs and online banking stay open

Chase Bank observes Memorial Day as a federal holiday, so all physical branch locations close on that day. You cannot walk into a branch, speak to a teller, or use the drive-through. However, your money does not stop moving: ATMs work 24/7, your online account stays accessible, and mobile app transfers process normally.

If you need cash or have a banking question that requires a person, plan ahead. The day before Memorial Day is your last chance to visit a branch until the day after the holiday.

Key Takeaways

  • All Chase branch locations close on Memorial Day; ATMs and online banking remain available around the clock.
  • You can withdraw cash from any Chase ATM, transfer money between your accounts, and pay bills online without interruption.
  • If you need to deposit a check or speak with a banker, visit your branch the business day before or after Memorial Day.
  • Chase customer service phone lines are also closed on Memorial Day, so plan questions for another day.

What you can do on Memorial Day without a branch

ATM withdrawals work the same way they always do. You can pull cash from any Chase ATM at any hour, and the transaction posts immediately to your account. If you need a larger amount, withdraw what you need across multiple transactions or plan your cash needs before the holiday.

Online banking and the Chase mobile app function normally. You can transfer money between your own Chase accounts, send money to other people through Chase QuickPay or Zelle, pay bills, check your balance, and review transactions. These transfers process on the same schedule they normally would—immediate for some transfers, next business day for others.

Automatic payments and direct deposits continue as scheduled. If you have a bill set to pay on Memorial Day, it will go out. If your paycheck is scheduled to deposit that day, it will land in your account.

What requires a branch visit and when to go

Depositing checks, opening a new account, applying for a credit card, and discussing loan options all require a banker. These services are only available when a branch is staffed. Visit on the Friday before Memorial Day or the Tuesday after, depending on which day works for your schedule.

If you have a time-sensitive banking need—for example, you need a cashier's check or a notarized document—do not wait until the day before the holiday. Branches can get busy, and you may not get an appointment. Call your local Chase branch a few days ahead to schedule if you know you will need help.

When Chase customer service phone lines are closed

Chase customer service is closed on Memorial Day. If you call the main customer service number or a specialized line (credit card support, mortgage services, investment services), you will reach an automated message directing you to call back the next business day.

If you have an urgent issue—for example, your card is lost or you suspect fraud—call the number on the back of your card. Chase maintains a 24/7 fraud line even on holidays. For other questions, send a secure message through your online account or mobile app, and a representative will respond the next business day.

Planning ahead for Memorial Day weekend

If you know you will need cash over the long weekend, withdraw it before Friday. If you have checks to deposit, deposit them before the holiday or use mobile check deposit through the app (which works on weekends and holidays). If you need to pay a bill that is due on or shortly after Memorial Day, schedule the payment online before the branch closes.

For any banking task that requires a person—a signature, a consultation, or a document—do it before the holiday. Do not assume you can handle it on Monday.

Memorial Day closure dates and future holidays

Chase closes on all federal holidays: New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. The exact date changes each year because some holidays fall on different days of the week.

Check the Chase website or your local branch's hours page to confirm the closure date for the current year. Some branches may have different hours or special holiday schedules, so it is worth verifying before you plan a visit.

Frequently Asked Questions

Can I use my Chase debit card to buy things on Memorial Day?

Yes. Your debit card works at any merchant, ATM, or online retailer on Memorial Day. The branch being closed does not affect your ability to spend money or withdraw cash from ATMs.

Will my direct deposit still come through on Memorial Day?

Direct deposits scheduled for Memorial Day will land in your account on that day. The federal holiday does not delay payroll deposits. If your employer processes payroll on a different schedule, your deposit may arrive the day before or after instead.

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

You can report a fraudulent or incorrect transaction through your online account or mobile app by sending a secure message. A representative will respond the next business day. For urgent fraud concerns, call the 24/7 fraud line on the back of your card.

Can I deposit a check using my phone on Memorial Day?

Yes. Mobile check deposit through the Chase app works on weekends and holidays. Take a photo of the front and back of the check, submit it through the app, and the deposit will process on the next business day.

Are Chase ATMs in grocery stores or other locations closed on Memorial Day?

No. All Chase ATMs, including those inside grocery stores, pharmacies, and other retail locations, remain open and operational 24/7 on Memorial Day and all other days.