Chase branches close on MLK Day, but online banking and ATMs stay open

Chase Bank observes Martin Luther King Jr. Day as a federal holiday and closes all physical branch locations. Your local Chase branch will not be staffed, and you cannot walk in to deposit checks, withdraw cash, or speak to a teller. However, you can still access your money through Chase's digital channels: online banking, the mobile app, ATMs, and automated phone services all run 24/7 on MLK Day.

The exact date changes each year because MLK Day falls on the third Monday in January. In 2024, it was January 15. In 2025, it is January 20. Chase observes the federal holiday on the actual day, not on a nearby business day, so if MLK Day falls on a Monday, branches close that Monday.

If you need cash or have a transaction that requires a teller, plan ahead. Withdraw what you need on the Friday before, or use a Chase ATM on MLK Day itself—ATM withdrawals and deposits (at machines that accept them) process normally.

Key Takeaways

  • All Chase branch locations close on MLK Day; no teller services are available on that date.
  • Chase ATMs, online banking, mobile app, and phone banking work normally on MLK Day, 24 hours a day.
  • MLK Day is the third Monday in January, so the closure date changes each year.
  • Withdraw cash or handle branch-only transactions on the business day before the holiday.
  • Checks deposited via mobile app or ATM on MLK Day may not post until the next business day.

What you can and cannot do on MLK Day

You can transfer money between your own Chase accounts online or through the app. You can pay bills through Chase Bill Pay. You can check your balance, review transactions, and download statements. You can use any Chase ATM to withdraw cash or deposit checks (if the machine has a deposit slot). You can call Chase customer service at the number on the back of your card and speak to an automated system or, depending on the service, a representative.

You cannot walk into a branch and speak to a banker. You cannot deposit cash at a teller window. You cannot open a new account in person. You cannot get a cashier's check or money order from a branch. You cannot speak to a loan officer about a mortgage or personal loan application. If you need any of these services, you must wait until the next business day or explore alternatives like calling customer service to see if they can handle your request by phone.

How to access your money without a branch

Chase ATMs are the fastest way to get cash on MLK Day. Find the nearest one using the Chase mobile app or the ATM locator on Chase.com. Most Chase ATMs allow you to withdraw up to $500 per transaction, though your account may have a lower daily limit. If you have a Chase debit card, you can also use ATMs from other banks, though you may be charged a fee by that bank (usually $2 to $3).

For deposits, use mobile check deposit if you have checks to deposit. Open the Chase mobile app, go to Deposit, take photos of the front and back of the check, and submit it. The deposit posts to your account immediately, but the funds may not be available until the next business day depending on the check amount and your account history. Some Chase ATMs also accept check deposits; look for a machine labeled "Chase Check Deposit ATM" or ask at a branch before the holiday which machines near you have this feature.

If you need to send money to someone else, use Chase QuickPay (for transfers to other Chase customers) or set up a wire transfer through online banking. Wire transfers initiated on MLK Day will process on the next business day.

Planning ahead for common transactions

If you know you will need cash over the MLK Day weekend, withdraw it on Friday. If you have checks to deposit, use mobile deposit on MLK Day itself or deposit them at an ATM if your local machines support it. If you need a cashier's check or money order, get one on Friday—these are not available through ATMs or online banking.

If you are expecting a direct deposit or ACH transfer on MLK Day, it will not post until Tuesday (the next business day). Banks do not process ACH transactions on federal holidays, so any payment scheduled to arrive on MLK Day will arrive the following day instead. If you are paying a bill by ACH and the due date is MLK Day, make sure you schedule the payment for the Friday before so it posts on time.

If you have a time-sensitive issue—a fraud alert, a card that was declined, a missing deposit—call Chase customer service on MLK Day. Automated systems handle many requests, and some departments staff representatives even on holidays. The number is on the back of your card.

What happens to pending transactions on MLK Day

Transactions you initiate on MLK Day through online banking or the app (like bill payments or transfers between your own accounts) are usually processed that same day, even though the branch is closed. However, transactions that depend on the banking system—like ACH transfers, wire transfers, or check clearing—do not process on federal holidays. They queue up and process on the next business day.

If you deposit a check at a Chase ATM on MLK Day, the deposit is recorded immediately in your account, but the check itself is not physically processed until Tuesday. The funds may be available immediately (depending on the check amount and your account type) or may be held until Wednesday. Check your account settings or call customer service to understand your bank's specific hold policy.

Other Chase services on MLK Day

Chase investment and brokerage services (through Chase You Invest or other platforms) follow stock market hours, which are closed on MLK Day. You cannot trade stocks or execute investment transactions on the holiday. Mortgage and loan services are not available through branches, but you can call the loan department to leave a message or check your loan status online.

If you have a Chase credit card, you can make payments online or through the app on MLK Day. The payment posts immediately to your account, though it may not be reflected in your available credit until the next business day. You can also make a payment by phone by calling the number on the back of your card.

Frequently Asked Questions

Can I deposit cash at a Chase ATM on MLK Day?

Most Chase ATMs do not accept cash deposits—only checks and card-based transactions. A few newer machines may have cash deposit capability, but this is not standard. If you need to deposit cash, you must visit a branch on a business day or use a different bank's ATM if they offer cash deposit service.

Will my direct deposit arrive on MLK Day?

No. Direct deposits and ACH transfers do not process on federal holidays. If a deposit is scheduled for MLK Day, it will arrive on Tuesday instead. If you need the money urgently, contact your employer or the organization sending the payment to reschedule it for the Friday before.

What if my debit card is declined on MLK Day?

Call the number on the back of your card to reach Chase fraud services or customer support. Representatives are available on MLK Day to address fraud alerts, card blocks, and other urgent issues. Do not wait until Tuesday if your card is blocked and you need it.

Can I open a new Chase account on MLK Day?

You cannot open an account in a branch on MLK Day. You may be able to open certain accounts online through Chase.com, but you will not have access to a banker to answer questions or help with the process. If you need guidance, wait until Tuesday or call customer service.

Do Chase credit card payments post on MLK Day?

Yes. Payments made online, through the app, or by phone post to your account on MLK Day. However, your available credit may not update until the next business day, and the payment will not count toward your billing cycle until it fully processes.