Chase Bank is open on Columbus Day, but branch hours vary by location

Chase Bank does not observe Columbus Day as a holiday closure. Most Chase branches stay open on Columbus Day with regular business hours. However, some individual branches may have different hours or close entirely depending on their location and local observances. The safest approach is to check your specific branch's hours before you go.

Columbus Day falls on the second Monday in October each year. While it is a federal holiday, not all banks treat it the same way. Chase's policy is to remain open, but you should verify your branch's schedule because hours can shift based on staffing, local holidays, or special circumstances.

Key Takeaways

  • Most Chase branches operate on Columbus Day with their standard Monday hours, not as a holiday closure.
  • Individual branch hours may differ, so checking before you visit prevents a wasted trip.
  • You can find your branch's specific hours on Chase's website, in the mobile app, or by calling the branch directly.
  • ATMs and online banking remain available 24/7 regardless of branch closures or holiday schedules.
  • Chase closes only on New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.

How to check your Chase branch's Columbus Day hours

The fastest way to confirm your branch is open is to use the Chase mobile app or visit chase.com. Both let you search by location and show current hours for that specific branch. Enter your address or zip code, and the app displays whether the branch is open, what time it closes, and whether it offers drive-through service.

You can also call your branch directly. The phone number appears in the app or on the website. A staff member can confirm hours and tell you if anything unusual is happening that day. This takes two minutes and removes all doubt.

What you can do if your branch is closed

If your branch happens to be closed on Columbus Day, you have several options that do not require waiting. Chase ATMs work 24/7, so you can withdraw cash, deposit checks, or transfer money any time. The mobile app lets you deposit checks by taking a photo, pay bills, transfer funds between accounts, and check your balance without visiting a branch at all.

If you need to speak with someone, Chase offers phone banking at 1-800-935-9935. Customer service is available during extended hours, though wait times may be longer on holidays. For urgent issues, the app also has a message feature that connects you to a representative, usually within a few hours.

Federal holidays Chase Bank actually closes for

Chase does close on certain federal holidays, but Columbus Day is not one of them. The bank closes on New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas. On these days, branches are shut and you cannot conduct in-person business, though ATMs and online services remain available.

If you are unsure whether a specific holiday will close your branch, the Chase website lists all observed holidays for the year. You can also call ahead or check the app, which updates branch status in real time. Some states or localities may observe additional holidays, so your particular branch could have different closure dates than branches in other regions.

Planning around Chase Bank hours

If you need to handle banking on or around Columbus Day, plan ahead. Most routine tasks—deposits, transfers, bill payments, balance checks—can be done through the app or ATM without visiting a branch. If you need to speak with someone or handle something that requires a signature, call your branch the day before to confirm hours and ask if you should schedule an appointment.

Many Chase branches offer appointment-based service, especially for complex transactions. Booking ahead guarantees you will see someone and avoids the wait. You can schedule an appointment through the app or by calling your branch. This is particularly useful if you need to discuss loans, open new accounts, or handle matters that require a banker's review.

Using Chase services when branches are closed

Chase provides multiple ways to bank outside of branch hours. The mobile app handles most everyday needs: you can check balances, review transactions, set up alerts, and manage multiple accounts from your phone. Bill pay through the app works on any day, and payments typically process within one to three business days depending on the payee.

For deposits, mobile check deposit is available 24/7. Photograph both sides of the check using the app, and it deposits to your account. Processing usually takes one to two business days. If you need cash, any Chase ATM works around the clock, and you can also withdraw from ATMs in the Allpoint network, though out-of-network fees may apply depending on your account type.

Frequently Asked Questions

Can I use my Chase ATM on Columbus Day?

Yes. Chase ATMs operate 24/7, including all federal holidays. You can withdraw cash, deposit checks, transfer money, and check your balance any time, whether branches are open or closed.

Will I be charged fees if I use another bank's ATM on Columbus Day?

Chase's out-of-network ATM fees apply the same way on Columbus Day as any other day. Most Chase checking accounts include a certain number of out-of-network withdrawals per month before fees kick in. Check your account terms or the app to see your limit.

Can I deposit a check through the Chase app on Columbus Day?

Yes. Mobile check deposit works 24/7 through the Chase app. Take a photo of the front and back of the check, and it deposits to your account. Processing time is usually one to two business days, regardless of the day you submit it.

What if I need to speak to someone at Chase on Columbus Day?

Call 1-800-935-9935 for phone banking. Customer service is available, though wait times may be longer on holidays. You can also use the app's message feature to contact a representative, which typically gets a response within a few hours.

Do all Chase branches have the same hours on Columbus Day?

No. While most branches operate on Columbus Day, hours vary by location. Some branches may open later or close earlier than usual. Always check your specific branch's hours through the app, website, or by calling ahead.