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

Chase observes Columbus Day as a federal holiday. All physical branch locations close on the day itself — you cannot walk in or speak to a teller. However, your online account, mobile app, and ATM access continue to work around the clock. If you need cash or have a transaction that requires a teller, plan ahead or use the ATM on the day before or after.

Columbus Day falls on the second Monday of October each year. In 2024, that is October 14. In 2025, it is October 13. Chase treats it the same as other federal holidays: Thanksgiving, Christmas, New Year's Day, Independence Day, and Memorial Day.

Key Takeaways

  • Chase branch locations are closed on Columbus Day, but ATMs and online banking work normally.
  • You can still deposit checks, transfer money, and pay bills through the Chase mobile app or website on the holiday.
  • If you need to speak to a customer service representative, call the number on the back of your card — phone lines are staffed on Columbus Day.
  • Checks deposited through mobile deposit on Columbus Day may not post until the next business day, depending on the time you submit them.
  • Wire transfers and ACH payments initiated on Columbus Day typically process the next business day, not the same day.

What you can and cannot do on Columbus Day

You can withdraw cash from any Chase ATM, deposit checks through mobile deposit using the Chase app, transfer money between your own accounts, pay bills online, and send money to other people through Zelle or Chase QuickPay. You can also check your balance, review transactions, and set up alerts. All of these work on Columbus Day without delay.

You cannot visit a branch to speak to a banker, deposit cash at a teller window, get a cashier's check, open a new account in person, or resolve issues that require a signature. If you need any of these services, do them on Friday before the holiday or Tuesday after.

How to reach Chase customer service on Columbus Day

Chase customer service phone lines are open on Columbus Day. The number is on the back of your debit or credit card. You can call to report fraud, ask about your account, dispute a transaction, or get help with a payment. Wait times may be longer than usual because branches are closed and more people call.

For urgent issues — a lost card, fraud, or a payment that needs to stop — call immediately. For routine questions, consider waiting until Tuesday unless the matter cannot wait.

When deposits and payments post after Columbus Day

A check you deposit through mobile deposit on Columbus Day will not post until Tuesday, because the banking system does not process deposits on federal holidays. The same is true for checks deposited at an ATM. If you need the money by a specific date, deposit it on Friday instead.

ACH transfers and bill payments you set up on Columbus Day will process on Tuesday, not Monday. Wire transfers also wait until the next business day. If you have a payment due on Monday, October 14, set it up by Friday, October 11.

Direct deposits from your employer follow the same rule: if your employer normally deposits on Monday, October 14, and that is Columbus Day, the deposit may arrive Tuesday instead. Check with your payroll department if you are unsure.

Planning ahead for Columbus Day transactions

If you need cash, withdraw it on Friday. If you need to deposit a check, use mobile deposit on Friday or wait until Tuesday. If you have a bill due on Columbus Day, pay it on Friday through your Chase account or the biller's website directly.

If you are expecting a wire transfer or direct deposit on Columbus Day, assume it will arrive Tuesday instead. Do not count on Monday money to cover a payment due Monday. If you have questions about a specific transaction, call Chase customer service on Friday to confirm the timing.

Frequently Asked Questions

Can I use my Chase debit card on Columbus Day?

Yes. Your card works at any merchant, ATM, or online retailer on Columbus Day. The holiday only affects Chase branch locations and the processing of certain transactions like deposits and ACH transfers.

What if I need to report fraud on Columbus Day?

Call the number on the back of your card immediately. Chase fraud lines are staffed on federal holidays. Report the fraudulent transaction and ask for a replacement card to be mailed or picked up at a branch on Tuesday.

Will my paycheck deposit on Columbus Day if it is due Monday?

Probably not. Most employers process direct deposits the business day before payday. If payday is Monday, October 14, your deposit likely arrives Friday, October 11. If it is scheduled for Monday and Monday is a holiday, contact your payroll department to confirm the actual deposit date.

Can I open a new Chase account on Columbus Day?

You can start the process online through the Chase website, but you cannot complete it in person at a branch. If you need to open an account before Tuesday, do it online and finish any in-person steps after the holiday.

Do Chase credit card payments post on Columbus Day?

Payments you make online or through the app on Columbus Day are received and recorded, but they do not post to your account until Tuesday. Make sure your payment reaches Chase by Friday if your due date is Monday.