Chase is closed on New Year's Day

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. You will not be able to visit a branch, speak to a banker in person, or conduct business at a teller window on that day.

However, you can still access your money through ATMs and online banking. Chase ATMs work 24/7, and you can log into your Chase account online or through the mobile app to check balances, transfer money between your own accounts, pay bills, and deposit checks remotely. Wire transfers and other services that require staff processing will be delayed until the next business day.

Key Takeaways

  • All Chase branches close on New Year's Day, and no teller services are available.
  • Chase ATMs remain open around the clock, so you can withdraw cash or deposit checks at any ATM on January 1st.
  • Online banking and the Chase mobile app work on New Year's Day for transfers, bill payments, and account management.
  • Transactions that require staff processing — such as wire transfers, loan applications, or account disputes — will not be completed until the next business day.
  • If you need cash before the holiday, plan ahead and withdraw it on December 31st or earlier.

What you can and cannot do on New Year's Day

You can use Chase ATMs to withdraw cash, deposit checks, transfer money between your accounts, and check your balance. The mobile app and online banking portal work normally. You can also set up bill payments through Chase Bill Pay, though the payment may not post to the recipient until the next business day depending on the payment method.

You cannot visit a branch to speak with a banker, deposit cash at a teller, apply for a loan, dispute a transaction in person, or access services that require a staff member. If you need to report a lost or stolen debit card, you can call Chase customer service — the phone line operates 24/7 — but any card replacement will not ship until the next business day.

Planning ahead for the New Year's Day weekend

If New Year's Day falls on a weekday, Chase will reopen the next day. If it falls on a weekend (which happens occasionally), the branch closure extends through the weekend, and Chase reopens on Monday. Check your local branch's hours on the Chase website or app to confirm when it will reopen.

If you need cash over the New Year's Day weekend, withdraw it on December 31st. If you need to make a time-sensitive payment, use Chase Bill Pay or transfer money online before the holiday. For urgent issues like fraud or a lost card, call Chase customer service at the number on the back of your card — they answer calls on holidays.

Wire transfers and other delayed services

Wire transfers initiated on New Year's Day will not be processed until the next business day. The same applies to cashier's checks, money orders, and any service requiring a banker's signature or approval. If you need a wire transfer to go out on January 1st, you must initiate it before the holiday closes.

ACH transfers (automatic clearing house payments, used for many bill payments and payroll deposits) may also be delayed if they are scheduled for New Year's Day. Some payments will process on the holiday itself, but others will post the next business day depending on the receiving bank's schedule.

Reporting fraud or a lost card on the holiday

Chase customer service operates 24/7, including on New Year's Day. If your card is lost, stolen, or compromised, call the number on the back of your card or contact Chase immediately. A representative can freeze your card right away to prevent unauthorized charges. The replacement card will be mailed to you, but the order will not process until the next business day.

If you notice fraudulent charges, report them by phone on New Year's Day. Chase will document the report and begin an investigation, though the formal dispute process may not start until the next business day. Reporting fraud quickly protects you — federal law limits your liability for unauthorized charges if you report them within 60 days.

Frequently Asked Questions

Can I deposit a check at a Chase ATM on New Year's Day?

Yes. Chase ATMs accept check deposits 24/7, including on New Year's Day. The check will be scanned and held in the ATM, then processed the next business day. The funds may take one to two business days to appear in your account depending on the check amount and your account history.

Will my direct deposit post on New Year's Day?

Direct deposits are processed by the ACH network, which does not operate on federal holidays. If your employer sends payroll on New Year's Day, it will likely post on January 2nd instead. Check with your employer about their payroll schedule around the holiday.

What if I need to speak to someone about my account on January 1st?

Call Chase customer service at the number on the back of your card. Representatives are available 24/7 for account questions, fraud reports, and card issues. For complex matters like loan applications or disputes, you may need to visit a branch or schedule a callback for the next business day.

Do Chase online bill payments go through on New Year's Day?

You can schedule bill payments through Chase Bill Pay on New Year's Day, but the payment will not reach the recipient until the next business day at the earliest. If you need a payment to arrive by a specific date, schedule it before the holiday to account for the delay.

Is there a Chase branch open on New Year's Day?

No. All Chase branches are closed on New Year's Day. If you need branch services, visit on December 31st or wait until January 2nd. You can find your nearest branch and its hours on the Chase website or mobile app.