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

Chase Bank observes Veterans Day as a federal holiday and closes all physical branches on November 11 each year. This means you cannot walk into a branch, speak to a teller, or use in-branch services on that day. However, your online account, mobile app, and ATM access continue to work around the clock — you can check balances, transfer money between accounts, pay bills, and withdraw cash without interruption.

If you need to deposit a check or handle something that requires a teller, you will have to wait until the next business day. Any transactions you initiate online or through an ATM on Veterans Day will process normally, though transfers between banks may take longer because the receiving bank may also be closed.

Key Takeaways

  • All Chase branches close on November 11 for Veterans Day, with no teller or in-person services available that day.
  • ATMs, online banking, and the Chase mobile app work on Veterans Day and process transactions the same as any other day.
  • Checks deposited through mobile deposit on Veterans Day will be processed the next business day, not immediately.
  • If you need cash or want to deposit something in person, plan ahead and visit a branch on November 10 or later on November 12.

What you can and cannot do on Veterans Day

On Veterans Day, you can use Chase ATMs to withdraw cash, check your balance, and transfer money between your own accounts. You can also log into your online account or mobile app to pay bills, set up transfers, send money through Zelle, or view your transaction history. Any action that does not require a person behind a counter will work exactly as it does on a regular day.

You cannot visit a branch to deposit checks in person, speak to a banker about a loan or credit card, dispute a transaction with a teller, or handle account issues that require manual review. If you have a time-sensitive problem — a fraudulent charge, a locked account, or a question about a pending transaction — you will need to call Chase customer service or wait until the branch reopens.

Mobile deposit and ATM deposit on Veterans Day

If you have a check to deposit, use the Chase mobile app to photograph the front and back of the check and submit it as a mobile deposit. This works on Veterans Day just like any other day. The check will be processed the next business day (November 12), not immediately, because the processing center is also closed on the federal holiday.

Some Chase ATMs accept check deposits. If your ATM has this feature, you can deposit a check on Veterans Day and it will be processed the next business day. The funds may not appear in your account until November 13, depending on the check amount and your account history.

Wire transfers and payments on Veterans Day

If you initiate a wire transfer through your Chase online account on Veterans Day, it will not send until November 12 at the earliest. Wire transfers do not process on federal holidays, even if you submit the request online. If you need money to move urgently, send it before November 11 or wait until after the holiday.

Bill payments scheduled through Chase bill pay will go out on their scheduled date, even if that date is Veterans Day. However, if the business you are paying is also closed on Veterans Day, they may not process the payment until November 12. Check with the payee if timing is critical.

Calling Chase customer service on Veterans Day

Chase customer service phone lines remain open on Veterans Day, though wait times are often longer than usual. You can call to report fraud, ask questions about your account, or handle issues that do not require a branch visit. The phone number is on the back of your debit card or credit card, or you can find it on Chase.com.

If you reach an automated system, you may be able to handle simple requests like checking your balance or making a payment without speaking to a representative. For complex issues, you may wait longer than usual, but a representative will eventually pick up.

Planning ahead for Veterans Day banking

If you know you will need to deposit a check in person or handle something that requires a teller, visit your branch on November 10 or schedule your visit for November 12 or later. If you need cash, withdraw it before Veterans Day or use an ATM on the holiday itself. If you are paying a bill or sending money, do it before November 11 to avoid delays.

For recurring payments or transfers, set them up in advance so they process automatically on the correct date. If you have a question about whether something will process on time, call Chase customer service before Veterans Day to confirm.

Frequently Asked Questions

Will my direct deposit hit my account on Veterans Day?

Direct deposits scheduled for November 11 may arrive a day late because the ACH system (which handles direct deposits) does not process on federal holidays. Check with your employer about when they submit payroll. If they submit on November 10, your deposit may arrive on November 11 or 12. If they submit on November 11, it will arrive on November 12.

Can I use my Chase debit card to make purchases on Veterans Day?

Yes. Your debit card works at any merchant on Veterans Day. The transaction will post to your account, though it may show as pending until the merchant's bank processes it the next day. Chase's systems are running normally even though branches are closed.

What if I need to dispute a charge on Veterans Day?

Call Chase customer service to report the dispute. They can start the process over the phone. You do not need to visit a branch. The dispute investigation will begin, though the formal timeline starts when the branch reopens on November 12.

Do Chase ATMs have withdrawal limits on Veterans Day?

No. ATM withdrawal limits are the same on Veterans Day as any other day. Your daily limit depends on your account type and Chase's standard policies, not the holiday.

Will a check I deposit on Veterans Day clear by the next day?

No. Checks deposited on Veterans Day (whether through mobile deposit or ATM) will be processed on November 12 at the earliest. Clearing time depends on the check amount and the bank it is drawn from, typically one to three business days after processing begins.