Chase is closed on Presidents Day, but you can still access your money
Chase Bank branches close on Presidents Day (the third Monday in February). All physical locations are shut, and you cannot visit a teller or use the drive-through. However, you can still move money and pay bills through Chase's digital channels — online banking, the mobile app, ATMs, and phone banking all run 24/7.
If you need cash before the holiday, withdraw it the day before. If you need to deposit a check, mobile deposit through the app works on the holiday itself, though the funds may not clear until the next business day. Wire transfers and bill payments you schedule online will process on the next business day after the holiday.
Key Takeaways
- All Chase branches close on Presidents Day; no in-person services are available that day.
- ATMs, online banking, mobile banking, and phone banking operate normally on Presidents Day.
- Checks deposited via mobile deposit on Presidents Day will be processed the next business day.
- Payments and transfers you schedule online on Presidents Day will post on the next business day.
- If you need cash or to speak to a person, plan ahead and visit your branch the day before.
What you can and cannot do on Presidents Day
You cannot walk into a Chase branch or use the drive-through on Presidents Day. No tellers will be working, and no in-person services are available. This includes opening new accounts, applying for credit, or getting a cashier's check in person.
You can use Chase ATMs to withdraw cash, check your balance, and deposit cash or checks (though check deposits may take longer to clear). You can log into Chase.com or the Chase mobile app to check balances, transfer money between your own accounts, pay bills, send money to other people, and view transaction history. Phone banking (1-800-935-9935) is also available.
If you need to reach a Chase representative by phone on Presidents Day, customer service lines are open. However, some specialized services — like mortgage or investment account support — may have limited hours or be unavailable.
When deposits and payments will clear
Any transaction you initiate on Presidents Day will process on the next business day (Tuesday, if Presidents Day falls on Monday). This includes bill payments you schedule through Chase's bill pay system, wire transfers, and checks you deposit through mobile deposit.
If you deposit a check via mobile deposit on Presidents Day, Chase will receive it that day, but the funds will not be available in your account until the next business day at the earliest. Some checks take two to three business days to clear depending on the amount and the bank it is drawn from.
ACH transfers (payments from your Chase account to another bank) initiated on Presidents Day will also post the next business day. If you need money to move faster, initiate the transfer the day before the holiday.
Planning ahead for Presidents Day weekend
If you know you will need cash over the Presidents Day weekend, withdraw it on Friday or Monday morning before the holiday. ATMs are available 24/7, but if you need a large amount or a specific form of cash, visit a branch in person beforehand.
If you have bills due on or around Presidents Day, schedule the payment through Chase's online bill pay system a few days early. Most billers will accept a payment that arrives a day or two late, but do not wait until Presidents Day itself to schedule it.
If you are expecting a deposit (paycheck, tax refund, or transfer from another account) to arrive on Presidents Day, it will likely post on the next business day instead. Check with your employer or the sending bank about the exact timing.
What to do if you have an urgent banking need
If you have a genuine emergency on Presidents Day — a fraudulent transaction, a lost card, or a critical payment issue — call Chase customer service at 1-800-935-9935. Representatives are available, though wait times may be longer than usual.
If your card is lost or stolen, you can report it through the mobile app or online banking as well. Chase will freeze the card immediately, and you can request a replacement card to be shipped or pick one up at a branch the next business day.
For fraud disputes, you can report unauthorized transactions through the app or website on Presidents Day. Chase will begin investigating, and you will receive a temporary credit while the dispute is reviewed (usually within 10 business days).
Presidents Day schedule for other banks
Most major banks — Bank of America, Wells Fargo, Citibank, and others — also close on Presidents Day. Credit unions typically close as well. If you bank at multiple institutions, assume all branches are closed unless you have confirmed otherwise with that bank directly.
Some online-only banks (like Ally or Charles Schwab) do not observe Presidents Day closures because they have no physical branches. If you maintain accounts at both a traditional bank and an online bank, you can use the online bank's services on the holiday if you need immediate access to funds.
Frequently Asked Questions
Can I use a Chase ATM on Presidents Day?
Yes. Chase ATMs operate 24/7, including on Presidents Day. You can withdraw cash, deposit checks or cash, and check your balance. Deposits made on Presidents Day will be processed the next business day.
Will my direct deposit arrive on Presidents Day?
No. If your employer normally deposits your paycheck on Presidents Day, it will arrive the next business day instead. Some employers deposit on Friday if they know Monday is a holiday, so check with your payroll department.
What if I need to pay a bill that is due on Presidents Day?
Schedule the payment through Chase online bill pay a few days before the holiday. Most billers accept payments that arrive one or two days late. If the bill is due on Presidents Day itself, contact the biller to ask for a grace period or extension.
Can I transfer money to another person on Presidents Day?
Yes, you can initiate a transfer through Chase's online banking or mobile app on Presidents Day. The transfer will process the next business day. If you use Zelle or another peer-to-peer service, the timing depends on that service's schedule.
Is Chase customer service available on Presidents Day?
Yes. Call 1-800-935-9935 to reach a representative. Wait times may be longer than usual because fewer staff are working, but the line is open for fraud reports, card issues, and other urgent matters.