Chase closes branches for scheduled maintenance, staffing changes, and system upgrades

When a Chase branch shows as temporarily closed, it is usually one of three things: routine maintenance and repairs, a staffing transition, or a system upgrade that requires the branch to go offline. Chase does not always announce these closures in advance on their website, so you may discover it only when you arrive or check online.

The closure is almost never permanent. Most temporary closures last between one day and two weeks. If a branch is closed for more than a few weeks, Chase typically posts a notice on their website or on the branch door explaining the reason and expected reopening date.

Your account and money are not affected by a branch closure. You can still access your funds through ATMs, online banking, mobile app, phone banking, and other Chase branches in your area.

Key Takeaways

  • Temporary closures are usually for maintenance, staffing, or system work and last between one day and two weeks.
  • You can still access your money through Chase ATMs, the mobile app, online banking, and other nearby branches during a closure.
  • Check the Chase website or call 1-800-935-9935 to confirm whether your branch is closed and when it will reopen.
  • If you need cash or to deposit a check during a closure, use any Chase ATM or visit another Chase branch in your area.

How to learn about your branch is closed and when it reopens

The fastest way is to visit Chase.com, go to the branch locator, search for your branch by address or zip code, and look for a "temporarily closed" notice. The notice usually includes the expected reopening date.

If the website does not show a closure notice, call the branch directly at the number listed in the locator. If no one answers, try calling Chase customer service at 1-800-935-9935 and give them your branch address. They can tell you whether it is closed and why.

You can also check your local Chase branch's social media pages or Google Business listing, where some branches post closure notices and updates.

What you can do while your branch is closed

Use any Chase ATM to withdraw cash, deposit checks (if the ATM has mobile deposit or a check slot), or transfer money between your accounts. Chase ATMs are in most grocery stores, gas stations, and other retail locations, not just at branches.

Visit another Chase branch nearby. Use the branch locator on Chase.com to find the closest open location. Hours and services vary by branch, so check before you go.

Handle most transactions online or through the Chase mobile app: pay bills, transfer money, deposit checks by photo, freeze or unfreeze your card, dispute a transaction, or message customer service. For account questions that require a person, call 1-800-935-9935.

If you need to speak to someone in person and cannot reach another branch, ask about scheduling a video call with a Chase banker. Some branches offer this service even when closed.

What happens to scheduled appointments during a closure

If you had an appointment at a closed branch—such as a mortgage consultation, business banking meeting, or account review—Chase should contact you to reschedule. Check your email and phone for messages from the branch or from Chase.

If you do not hear from them within a day or two, call the branch number listed online or call 1-800-935-9935 and ask them to reschedule your appointment at another location or by phone.

Temporary closures versus permanent closures

A temporary closure is posted as "temporarily closed" on the website and branch door, with an expected reopening date. A permanent closure is announced differently: Chase posts a closure notice weeks in advance, lists alternative branches nearby, and often offers incentives to move accounts to another location.

If you see "permanently closed" or no reopening date after several weeks, contact Chase to confirm. Permanent closures are rare and are usually announced on the Chase website under "branch updates" or "news."

Why Chase closes branches and what it means for your account

Routine maintenance includes HVAC repairs, roof work, electrical upgrades, and security system updates. These are necessary to keep the building safe and functional and usually take a few days to a week.

Staffing transitions happen when Chase is hiring new employees, retraining staff, or reorganizing roles. These closures can last several days while the new team prepares.

System upgrades affect the computers and networks that process transactions. During these upgrades, the branch cannot process deposits, withdrawals, or account changes, so Chase closes temporarily. These usually happen overnight or over a weekend but occasionally require a full business day.

Your money, account balance, and account history are never affected by a branch closure. All your data is stored on Chase's central servers, not at the branch. You can access your account from any device, any time, even if every Chase branch in your state is closed.

If your branch has been closed for longer than expected

Call 1-800-935-9935 and ask why the branch is still closed and when it will reopen. If the reopening date keeps getting pushed back, ask whether the closure is still temporary or if it has become permanent.

If the branch is closed for an extended period and you need in-person service, ask Chase to help you find another branch nearby or to schedule a video appointment with a banker. You can also request that they waive any fees related to using out-of-network ATMs while your branch is closed.

Frequently Asked Questions

Can I still use my Chase debit card and access my money if my branch is closed?

Yes. Your debit card works at any merchant, any ATM, and online. Your account is not affected by a branch closure. You can withdraw cash, check your balance, and make purchases normally.

Will I be charged fees if I use a different Chase branch or ATM while mine is closed?

No. All Chase ATMs are free for Chase customers, and you can visit any Chase branch without fees. If you use a non-Chase ATM, you may be charged a fee by that ATM's owner, but Chase will not charge you.

What if I need to deposit a large check and the ATM won't take it?

Visit another Chase branch and deposit it there. You can also use mobile deposit through the Chase app if the check meets the amount limits (usually up to $10,000 per day, but this varies). Call 1-800-935-9935 if you need to deposit more than your daily limit.

How do I know if my branch closure is permanent?

Permanent closures are announced weeks in advance on Chase.com and on the branch door. They include a final closing date and information about nearby branches. Temporary closures show an expected reopening date. If a closure has no date listed after two weeks, call Chase to ask whether it is still temporary.

Can I still pay my Chase credit card bill if my branch is closed?

Yes. Pay online through Chase.com, through the mobile app, by phone at 1-800-935-9935, or by mail. A branch closure does not affect your ability to make payments.