Chase branches close early on New Year's Eve and stay closed on New Year's Day

Chase Bank branches typically close at 2 p.m. on New Year's Eve (December 31) instead of their normal closing time, which is usually 5 or 6 p.m. depending on the branch location. On New Year's Day (January 1), all Chase branches are closed for the federal holiday. ATMs and Chase's mobile app remain available 24/7 on both days, so you can still withdraw cash, check balances, and transfer money between your own accounts.

The exact closing time on New Year's Eve can vary slightly by branch. Some locations may close at 1 p.m. instead of 2 p.m., so if you need to visit in person that day, call your specific branch ahead of time to confirm. Chase's customer service phone line is also available on New Year's Eve, though wait times are typically longer than usual.

Key Takeaways

  • Chase branches close early on New Year's Eve (usually 2 p.m.) and are fully closed on New Year's Day.
  • ATMs work around the clock on both days, so you can withdraw cash or check your balance anytime.
  • The Chase mobile app and online banking remain open 24/7, letting you transfer money and pay bills without visiting a branch.
  • If you need to speak with someone on New Year's Eve, call ahead to confirm your branch is still open and expect longer hold times.
  • Checks and ACH transfers submitted on New Year's Eve may not process until January 2 because the banking system itself is closed on the holiday.

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

You can use Chase ATMs to withdraw cash, deposit checks (at ATMs with deposit capability), transfer money between your own Chase accounts, and check your account balance. You can also use the Chase mobile app or website to pay bills, set up transfers, deposit checks by photo, and view your transaction history. These services do not depend on branch staff being present.

You cannot visit a branch to open a new account, get a cashier's check, speak to a loan officer, or resolve disputes in person. If you need a cashier's check before the holiday, visit on December 30 or earlier. For urgent account issues on New Year's Eve, call Chase customer service at 1-800-935-9935 to see if a representative can help over the phone.

When deposits and transfers actually post during the holiday

Deposits made through the Chase app or ATM on New Year's Eve will not be available until January 2 at the earliest, because the Federal Reserve and the banking system as a whole do not process transactions on January 1. The same delay applies to ACH transfers (payments to other banks) and bill payments sent through Chase's bill pay system. If you submit a bill payment on December 31, it will not leave your account until January 2 or later, depending on the payee.

Wire transfers initiated on New Year's Eve may also be delayed. Check with Chase or the receiving bank about their holiday schedule if timing is critical. Mobile check deposits made on New Year's Eve will show as pending in your app but will not clear until the banking system reopens on January 2.

Planning ahead to avoid delays

If you need to make a payment or transfer before the holiday, do it on December 30 or earlier. This gives the banking system time to process the transaction before the New Year's Day closure. For bills due on January 1 or 2, submit your payment by December 29 to be safe, because even if you submit on December 31, the payment will not leave your account until January 2.

If you need cash for the holiday, withdraw it from a Chase ATM on December 30 or 31. ATMs dispense cash even when branches are closed, so you will have access to money throughout the holiday weekend. If you run out of cash and need more on January 1, you can still use any ATM that accepts your Chase debit card.

Chase customer service availability on New Year's Eve

Chase customer service is available by phone on New Year's Eve, but wait times are often 30 minutes or longer. Call 1-800-935-9935 if you have an urgent account issue. For credit card questions, call the number on the back of your card. For mortgage or loan questions, call the number on your statement.

If your issue is not urgent, wait until January 2 to call. You will reach a representative much faster, and most routine questions can be handled through the mobile app or website anyway. Chase's online chat support may also be available on New Year's Eve, though response times will be slower than usual.

What to do if you have an emergency on New Year's Day

If your debit card is lost or stolen on New Year's Day, call Chase immediately at 1-800-935-9935 to report it. Your card can be frozen over the phone even though branches are closed. If you need emergency cash and cannot access an ATM, some Chase branches may have after-hours ATM lobbies where you can withdraw money using your debit card.

If you notice fraudulent charges on your account, report them to Chase as soon as you see them. Chase's fraud department works on holidays, and reporting quickly protects you under the bank's fraud liability rules. Do not wait until January 2 to report fraud.

Frequently Asked Questions

Can I deposit a check on New Year's Eve using the mobile app?

Yes, you can take a photo of the check and deposit it through the Chase app anytime, including New Year's Eve. The deposit will show as pending in your app, but the funds will not actually be available in your account until January 2 because the banking system is closed on January 1.

Will my bill payment go through if I submit it on December 31?

No. Bill payments submitted on December 31 will not leave your Chase account until January 2 at the earliest. If your bill is due on January 1 or 2, submit the payment by December 29 to make sure it arrives on time.

Can I withdraw money from a Chase ATM on New Year's Day?

Yes. Chase ATMs work 24/7, including on New Year's Day. You can withdraw cash, deposit checks (if your ATM has that feature), and check your balance anytime, even though branches are closed.

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

You cannot get a cashier's check on New Year's Eve or New Year's Day because branches are closed and cashier's checks require a teller. Visit your branch on December 30 or earlier if you need one before the holiday.

Is Chase customer service open on New Year's Eve?

Yes, but wait times are typically 30 minutes or longer. Call 1-800-935-9935 if you have an urgent issue. For non-urgent questions, wait until January 2 when you can reach someone faster.