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

Chase Bank observes Presidents Day as a federal holiday and closes all physical branch locations on that day. You will not be able to walk into a branch, speak to a teller, or use the drive-through. However, your online account, mobile app, and ATM access remain available 24/7, so you can check balances, transfer money between accounts, pay bills, and withdraw cash without interruption.

Presidents Day falls on the third Monday in February each year. In 2024 it was February 19; in 2025 it will be February 17. If you need to handle a transaction that requires a teller or a banker—such as opening a new account, depositing a check by hand, or discussing a loan—you will need to wait until the next business day or use Chase's online and mobile tools to complete what you can in advance.

Key Takeaways

  • Chase branches are closed on Presidents Day, but ATMs and online banking work normally around the clock.
  • You can deposit checks remotely using the Chase mobile app's mobile check deposit feature on Presidents Day.
  • Wire transfers, bill payments, and account transfers can all be initiated online or through the app on the holiday.
  • If you need to speak to a representative, call the Chase customer service number on your card—some departments operate on limited holiday hours.

What you can and cannot do on Presidents Day

On Presidents Day, you can use your Chase debit card at any ATM, including Chase ATMs and those in other networks. You can log into your online banking account or mobile app to view transactions, transfer money between your own accounts, pay bills to third parties, and set up future-dated payments. Mobile check deposit—where you photograph the front and back of a check through the Chase app—works on the holiday just as it does on any other day.

What you cannot do is walk into a branch. You cannot deposit cash by hand, order new checks from a teller, close an account in person, apply for a credit card or loan face-to-face, or speak to a banker about account issues. If you have a question that requires a human voice, you can call the customer service number on the back of your Chase card; some departments staff a limited team on Presidents Day, though wait times are typically longer than on regular business days.

How to prepare before the holiday

If you know you will need cash on Presidents Day, withdraw it from an ATM the day before. If you have checks to deposit, use mobile check deposit through the Chase app rather than waiting for the branch to reopen. If you need to pay a bill by a certain date and that date falls on Presidents Day, initiate the payment online a day or two early—Chase processes online bill payments even when branches are closed, though the payment may not reach the recipient until the next business day depending on the payment method.

If you are planning to open a new account, apply for a credit card, or discuss a mortgage or personal loan, schedule that conversation for the business day before or after the holiday. Chase's online account opening tool works 24/7 for some products, but you may still need to verify information with a representative by phone, and that conversation is easier to complete when full customer service is staffed.

Wire transfers and ACH payments on Presidents Day

You can initiate a wire transfer or ACH payment through Chase online banking on Presidents Day, but the timing of when the money actually moves depends on the type of transfer and the receiving bank. Outgoing wire transfers initiated before the cutoff time (usually around 2 p.m. Eastern) may process the same day if the receiving bank is also open; if the receiving bank is closed for the holiday, the wire will sit in queue and process the next business day.

ACH transfers—the slower, free method used for most bill payments and peer transfers—do not process on federal holidays at all. If you initiate an ACH payment on Presidents Day, it will not leave your account until the next business day, and it will not arrive at the recipient until one to two business days after that. Plan accordingly if you are paying a bill with an ACH deadline.

Chase customer service on Presidents Day

The main Chase customer service line (the number on the back of your card) operates on limited hours on Presidents Day. You may reach a representative, but wait times are often 30 minutes or longer. If your issue is urgent—such as a fraudulent transaction or a lost card—call anyway; fraud and security issues are handled even on holidays because they cannot wait.

For non-urgent questions, consider using Chase's online chat feature through the app or website, which may have shorter wait times than the phone line. You can also send a secure message through your online account to your branch or to customer service; these messages are typically answered within one business day.

ATM access and cash withdrawals

Chase ATMs are available 24/7, including on Presidents Day. You can withdraw cash, check your balance, transfer money between accounts, and deposit cash at a Chase ATM with an envelope (though the deposit will not post to your account until the next business day). If you use an ATM outside the Chase network, you may be charged a fee by the other bank; Chase reimburses out-of-network ATM fees for some account types, so check your account terms.

If you need to deposit a check on Presidents Day, use mobile check deposit through the app rather than an ATM. Most ATMs do not accept check deposits, and those that do may not process them until the next business day anyway.

Frequently Asked Questions

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

Yes. Chase ATMs accept cash deposits 24/7, including on Presidents Day. Place the cash in an envelope, insert it into the ATM, and the deposit will be recorded in your account immediately. However, the funds may not be available for withdrawal or transfer until the next business day, depending on your account type.

Will my bill payment go through if I schedule it for Presidents Day?

If you schedule a bill payment online for Presidents Day itself, it will not process until the next business day. If you schedule it for a future date (such as the day after Presidents Day), it will process on that date. ACH payments take one to two business days to reach the recipient after they leave your account, so plan ahead if the bill has a deadline.

What if I need to speak to someone on Presidents Day?

Call the customer service number on your Chase card. You may reach a representative, but wait times are longer than usual. For non-urgent issues, use the online chat feature in the app or send a secure message through your account; these are answered within one business day.

Can I transfer money between my own Chase accounts on Presidents Day?

Yes. Transfers between your own Chase accounts can be initiated through online banking or the mobile app on Presidents Day and will process immediately or within hours, depending on the account types involved. The money stays within Chase's system, so the holiday does not affect the timing.

Are Chase credit card payments due on Presidents Day?

If your payment due date falls on Presidents Day, Chase typically extends the deadline to the next business day without penalty. However, do not rely on this—pay a day or two early to be safe. You can make a payment online or through the app at any time, even on the holiday.