Chase branches close on Columbus Day, but online banking and ATMs stay open
Chase 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 in-branch services. However, your online account, mobile app, and ATM access continue to work around the clock—you can check balances, transfer money between your own accounts, and withdraw cash from any Chase ATM without interruption.
If you need to deposit a check or handle something that requires a teller, you will have to wait until the branch reopens the next business day. Any transactions you submit online or through ATM on Columbus Day will process, but the timing depends on the type of transaction and when you submit it.
Key Takeaways
- All Chase branch locations close on Columbus Day; no teller services or in-person transactions are available that day.
- ATMs, online banking, and the Chase mobile app work normally on Columbus Day, so you can access your money and move it between accounts.
- Checks deposited through mobile or ATM on Columbus Day will not clear until the next business day or later, depending on the deposit method.
- Wire transfers and bill payments submitted on Columbus Day may not process until the following business day.
What you can and cannot do on Columbus Day
On Columbus Day, you can use Chase ATMs to withdraw cash, check your balance, and deposit checks through an ATM if your account has mobile check deposit or ATM deposit capability. You can also log into your online account or mobile app to view transactions, transfer money between your own Chase accounts, pay bills, and send money to other people through Zelle or Chase QuickPay.
You cannot visit a branch to speak with a banker, deposit cash over the counter, apply for a loan or credit card in person, order a new debit card, dispute a transaction face-to-face, or handle any service that requires a teller or banker. If you need to do any of these things, you will need to wait until Tuesday (or the next business day after the holiday).
How transactions process when submitted on Columbus Day
Transactions submitted through ATM or online on Columbus Day follow different timelines depending on what you are doing. A transfer between your own Chase accounts typically posts the same day or within hours. A bill payment or external transfer (to another bank) submitted on Columbus Day will usually process the next business day, though some payments may take longer depending on the receiving bank.
Check deposits made through mobile or ATM on Columbus Day are received by Chase, but the funds will not be available until the next business day at the earliest. The actual clearing time depends on whether the check is from another Chase account (faster) or from a different bank (slower, often one to two business days). Wire transfers submitted on Columbus Day will not leave your account until the next business day.
Planning ahead for Columbus Day banking needs
If you know you will need cash or want to make a deposit on or around Columbus Day, plan ahead. Withdraw cash from an ATM before the holiday, or use an ATM on Columbus Day itself—Chase ATMs are available 24/7. If you need to deposit a check, use mobile check deposit or an ATM deposit if your account supports it, but understand that the funds will not clear until after the holiday.
If you need to make a payment or transfer money to someone else, submit it online before Columbus Day if the timing is urgent. If you are paying a bill with a due date near the holiday, send the payment a few days early to account for processing delays. For anything that absolutely requires a teller—such as ordering a new card, disputing a fraudulent transaction, or applying for credit—you will need to visit a branch after the holiday.
Which Chase services stay open on Columbus Day
Chase customer service phone lines are typically closed on Columbus Day, though some automated phone services may remain available. Check your account statements or the back of your debit card for the customer service number and any holiday notices. The Chase mobile app and website are fully operational, and you can use the in-app messaging feature to contact Chase about non-urgent matters—responses will come when branches reopen.
ATMs are always available, and Zelle transfers (sending money to another person's bank account) can be initiated through the app or online. If you have a Chase credit card, you can make payments online or through the app on Columbus Day, and the payment will process according to the normal schedule.
What to do if you have an urgent banking need on Columbus Day
If something urgent comes up on Columbus Day and you cannot handle it through ATM or online, your options are limited. If your debit card is lost or stolen, call the customer service number on the back of your card—automated fraud lines often run on holidays. If you need cash immediately and cannot use an ATM, you may be able to get cash back at a grocery store or retailer that accepts debit cards.
For anything else—a disputed transaction, a frozen account, or a question about your account—you will need to wait until the branch reopens. If the matter is truly urgent and cannot wait, some banks have emergency services for cardholders, but Chase does not have a special holiday hotline. Document what happened and contact Chase as soon as branches reopen on Tuesday.
Frequently Asked Questions
Can I use my Chase debit card to make purchases on Columbus Day?
Yes. Columbus Day only affects Chase branch locations and their staff. Your debit card works normally at stores, restaurants, gas stations, and online retailers. The transaction will process as usual, and the money will be deducted from your account according to the normal schedule.
Will my direct deposit hit my account on Columbus Day?
Direct deposits scheduled for Columbus Day may be delayed by one day because the banking system observes the federal holiday. If your employer normally deposits on Monday and Columbus Day falls on Monday, the deposit might arrive on Tuesday instead. Check with your employer about their holiday schedule.
What if I need to deposit a check urgently before Columbus Day?
Use mobile check deposit through the Chase app if you have it—you can photograph the check and submit it anytime. If your account does not have mobile deposit, visit a Chase ATM that accepts check deposits, or go to a branch before it closes on the day before the holiday.
Are Chase ATMs in other banks' networks open on Columbus Day?
Yes. Chase ATMs are open 24/7, including on Columbus Day. If you use an ATM from a different bank's network (and your Chase account allows it), that ATM's availability depends on that bank's holiday schedule, not Chase's.
Can I call Chase customer service on Columbus Day?
Most Chase customer service lines are closed on Columbus Day. Automated services for fraud reporting may be available. For non-urgent questions, use the in-app messaging feature or wait until the next business day to call.