Chase branches close on Washington's Birthday
Chase Bank branches close on Washington's Birthday, observed on the third Monday in February. The bank treats it as a federal holiday, so all branch locations shut down for the day. ATMs and online banking remain available 24/7, but you cannot visit a branch, speak to a teller, or use in-person services.
If you need to deposit a check, withdraw cash, or handle a transaction that requires a teller, plan ahead. Do what you need the business day before the holiday, or wait until the day after branches reopen. This matters most if you have a time-sensitive payment or need a service that only a person at the branch can provide.
Key Takeaways
- Chase branches close on Washington's Birthday (the third Monday in February) and do not open that day.
- ATMs work around the clock, so you can withdraw cash or check your balance even when branches are closed.
- Online banking, mobile app transfers, and bill pay all function normally on the holiday.
- Deposits made at an ATM or through mobile deposit on the holiday will post the next business day.
- If you need a teller service, complete it on Friday or wait until Tuesday after the Monday holiday.
What you can and cannot do on Washington's Birthday
Chase ATMs operate continuously, so you can withdraw money, deposit checks through a mobile app, transfer funds between accounts, and check your balance at any time. These transactions process normally even though no staff are present at the branch. Your debit card works at any merchant or ATM on the holiday with no restrictions.
You cannot visit a branch location, speak to a banker in person, open a new account at a branch, or conduct business that requires a teller. If you need a cashier's check, a wire transfer processed by hand, notarization, or help with a problem that requires a representative, that work waits until the branch reopens. Customer service phone lines are typically closed on federal holidays as well, though you may be able to message a representative through the mobile app.
When deposits post after the holiday
A check deposited at an ATM on Washington's Birthday will not post until the next business day—Tuesday, if the holiday falls on Monday. Mobile check deposits follow the same timeline: the photo you submit on the holiday processes the following day. The bank does not process deposits on the holiday itself, so the clock starts when branches reopen.
Cash deposits at an ATM also post the next business day. If you need the money to clear by a specific date, deposit it before the holiday closes, not on it. This is especially important if you are counting on that deposit to cover a payment or transfer scheduled for the day after the holiday.
Online and mobile banking work normally
Chase's website and mobile app do not close for holidays. You can log in, transfer money between your own accounts, pay bills, send money to other people through Zelle, and review transactions at any hour on Washington's Birthday. Your login credentials work exactly as they do on any other day.
Transfers between your own Chase accounts post immediately or within minutes. Payments to other banks or bill payments may take one to three business days depending on the receiving bank, and the holiday does not speed that up—it counts as a non-business day in the processing window. If you schedule a bill payment for the holiday, it will process, but the receiving organization may not receive it until the next business day or later.
Plan ahead for wire transfers and cashier's checks
If you need a wire transfer sent out or a cashier's check issued, request it before the holiday. Wire transfers initiated after business hours or on a non-business day do not leave your account until the next business day, and the receiving bank may take an additional day to credit it. This means a wire initiated on Washington's Birthday may not arrive at the destination until Wednesday or later.
Cashier's checks are printed by hand at the branch, so you must request one when staff are present. If you need it for a closing or payment due on or shortly after the holiday, order it the Friday before. Some branches allow you to request a cashier's check through the mobile app or website, but you will still need to pick it up in person once it is ready, which cannot happen on the holiday.
Other Chase services on Washington's Birthday
Chase customer service phone lines are typically closed on federal holidays, though some banks keep a limited line open for emergencies. Before the holiday, check Chase's website or your account for the current phone hours, or use the mobile app to message a representative if your issue can wait until the next business day. Email support may also be available, though responses will not come until branches reopen.
Loan payments, credit card payments, and automatic bill pay all process on schedule regardless of the holiday. If a payment is due on Washington's Birthday, it will post that day if you set it up in advance through autopay or the mobile app. Automatic payments do not stop for federal holidays—they process as scheduled.
Frequently Asked Questions
Can I use my Chase debit card on Washington's Birthday?
Yes. Your debit card works at any merchant, ATM, or online retailer on the holiday. The only limitation is that you cannot visit a Chase branch in person to conduct business with a teller.
Will my direct deposit post on Washington's Birthday?
Direct deposits scheduled for Washington's Birthday may post that day or the next business day depending on your employer's payroll timing and your bank's processing. Check with your employer's payroll department if you need to know the exact date your deposit will arrive.
What if I need cash and the ATM is out of order?
Use an ATM at a different Chase location or a non-Chase ATM. If you use an out-of-network ATM, Chase may charge a fee, but you will still get your cash. Plan ahead and withdraw what you need before the holiday if possible.
Do I need to do anything special to access my account on the holiday?
No. Log into the mobile app or website as usual. Your login credentials and account access do not change. The only difference is that branch services are unavailable and phone support may be closed.
Can I still pay my Chase credit card on Washington's Birthday?
Yes. Pay through the mobile app, website, or automatic payment. Payments made on the holiday will post that day if submitted before the processing cutoff time, typically in the evening. Check your account for the exact cutoff time.