Chase branches close early on Christmas Eve and are fully closed on Christmas Day
Most Chase branches operate on a reduced schedule on Christmas Eve — typically closing at 2 p.m. or 3 p.m. instead of their normal closing time, which is usually 5 p.m. or 6 p.m. depending on the location. On Christmas Day itself, all Chase branches are closed. If you need to handle banking on or around Christmas, you should plan ahead rather than assume normal hours.
The exact closing time on Christmas Eve varies by branch location. Some branches may close even earlier than 2 p.m., and a few in high-traffic areas might stay open until their standard time. The only way to know your specific branch's Christmas Eve hours is to check directly with that location or look it up on Chase's website before the day arrives.
Key Takeaways
- Most Chase branches close at 2 p.m. or 3 p.m. on Christmas Eve instead of their normal time, so plan any in-person banking well before mid-afternoon.
- All Chase branches are completely closed on Christmas Day, with normal hours resuming the day after.
- You can check your specific branch's Christmas Eve hours on Chase.com or by calling the branch directly.
- ATMs and Chase mobile banking remain available 24/7 even when branches are closed, so you can withdraw cash or transfer money anytime.
- If you need to pay a bill or make a transfer on Christmas Day, use Chase's online banking or mobile app to schedule it in advance.
How to find your branch's exact Christmas Eve hours
Go to Chase.com and use the branch locator tool. Enter your zip code or city, and the results will show each nearby branch with its address and phone number. Click on the specific branch you plan to visit, and it will display holiday hours if they differ from the regular schedule.
If the website does not show holiday hours clearly, call the branch directly. The phone number is listed in the locator results. Staff can tell you the exact time they close on Christmas Eve and confirm whether they will be open the day after Christmas (they will be, assuming it is not a Sunday).
What you can do when branches are closed
Chase ATMs work around the clock, even on Christmas Eve and Christmas Day. You can withdraw cash, deposit checks, transfer money between your own accounts, and check your balance at any Chase ATM without needing a branch to be open. If you use a non-Chase ATM, you may be charged a fee, but the transaction will still go through.
Chase mobile banking and online banking are also available 24/7. You can pay bills, send money to other people, transfer between accounts, and deposit checks by photo through the mobile app. If you schedule a bill payment or transfer before Christmas Eve, it will process on the date you choose, even if that date falls on Christmas Day or a weekend.
Payments and transfers on Christmas Day
If you need to make a payment or transfer on Christmas Day itself, you can schedule it through Chase's website or mobile app before that day arrives. Choose the date you want the transaction to process, and Chase will handle it automatically. The payment will leave your account on the date you selected, though the recipient may not see it until the next business day.
If you try to make a same-day transfer on Christmas Day through the app, Chase will typically process it the next business day instead, since the banking system itself is closed. Scheduling in advance ensures you know exactly when your payment will go out.
Deposits and checks on Christmas Eve and Christmas Day
You can deposit checks at a Chase ATM on Christmas Eve and Christmas Day using the mobile app's mobile check deposit feature or by using an ATM envelope. Mobile check deposit through the app is usually the fastest option — you photograph the front and back of the check, and Chase processes it. The funds typically appear in your account within one business day.
If you use an ATM envelope to deposit a check in person, it will be processed when the branch reopens. Deposits made on Christmas Eve afternoon or Christmas Day will not be available until the day after Christmas at the earliest, depending on when the branch processes the envelope.
Planning ahead for holiday banking
If you know you will need cash or need to make a payment around Christmas, handle it before Christmas Eve afternoon. Withdraw cash from an ATM, schedule bill payments through online banking, and deposit any checks early. This removes the pressure of trying to find an open branch or rushing to beat a closing time.
If you have a time-sensitive payment that must go out on Christmas Day, use Chase's bill pay feature to schedule it for that date. The payment will be sent automatically, and you will not need to visit a branch or use an ATM. For peer-to-peer transfers, use Chase QuickPay or another money transfer service, which also works 24/7.
What happens if you miss a payment deadline on Christmas
If a bill payment is due on Christmas Day and you have not yet paid it, contact the creditor or service provider directly to explain the situation. Many companies understand that Christmas falls on a weekend or holiday and may waive a late fee if you pay within a day or two. Do not assume the payment will be late just because the bank is closed — what matters is when the creditor receives the money, not when you send it.
If you use Chase bill pay to schedule a payment for Christmas Day, it will be sent on that date even though the branch is closed. The creditor's system will receive it, and it will count as on-time. The key is to schedule it before Christmas Eve so you do not forget.
Frequently Asked Questions
Can I use my Chase debit card on Christmas Day if the branch is closed?
Yes. Your debit card works at any merchant, ATM, or online retailer 24/7, regardless of whether your branch is open. The only thing you cannot do is visit a physical branch to speak with a banker or conduct in-person transactions.
Will my direct deposit process on Christmas Day?
If Christmas Day falls on a weekday, your employer's direct deposit may still process, but the funds might not appear in your account until the next business day because the banking system itself is closed. If Christmas falls on a weekend, the deposit typically processes on the following Monday.
What if I need to dispute a charge on Christmas Day?
You can report a fraudulent or incorrect charge through Chase's mobile app or website anytime, even on Christmas Day. Start a dispute claim online, and Chase will investigate it. You do not need to visit a branch to report fraud.
Are Chase loan and credit card payments due on Christmas Day?
If your payment due date falls on Christmas Day, most creditors will not charge a late fee if you pay by the next business day. However, check your account terms or call the creditor to confirm. You can always schedule a payment in advance through Chase bill pay to ensure it goes out on time.
Can I get a cashier's check on Christmas Eve?
Most Chase branches will not issue cashier's checks on Christmas Eve due to early closing, and you cannot get one from an ATM. If you need a cashier's check for a Christmas Day transaction, obtain it before Christmas Eve afternoon, or explore whether the recipient will accept a different form of payment like a wire transfer or certified check ordered online.