Chase Bank branches close on Christmas Eve afternoon, not all day

Most Chase Bank branches operate on a shortened schedule on Christmas Eve — typically open in the morning and closing by early afternoon, often around 1 p.m. or 2 p.m. Some branches may close earlier. The exact closing time varies by location, so calling your specific branch is the only way to know for certain.

Chase does not publish a single company-wide Christmas Eve closing time. Branch hours depend on the individual location, the day of the week Christmas Eve falls on, and regional decisions made by local management. A branch in one city might close at 1 p.m. while another closes at 3 p.m.

If you need to visit a branch on Christmas Eve, call ahead. You can find your branch's phone number on Chase's website or in your account materials, or use the branch locator tool to confirm hours before you go.

Key Takeaways

  • Chase branches typically close by early afternoon on Christmas Eve, not at regular hours, but the exact time varies by location.
  • Calling your specific branch is the only reliable way to confirm whether it will be open and when it closes.
  • Chase ATMs and online banking remain available on Christmas Eve, even when branches are closed.
  • Christmas Day itself is a federal holiday, and all Chase branches are closed.
  • If you need cash or services on Christmas Eve, plan to visit in the morning rather than waiting until afternoon.

ATMs and online banking work on Christmas Eve

Even if your local Chase branch is closed or closing early on Christmas Eve, you can still withdraw cash from any Chase ATM or use Chase's mobile app and online banking to transfer money, pay bills, or check your balance. ATMs operate 24/7 regardless of branch hours.

If you need to deposit a check or handle a transaction that requires a teller, you will need to visit during branch hours or wait until after Christmas. Mobile check deposit through the Chase app works on Christmas Eve if you have that feature enabled on your account.

Christmas Day closures and the day after

Chase closes all branches on Christmas Day (December 25) because it is a federal holiday. No branches open, and no teller services are available. ATMs and online banking continue to work.

The day after Christmas, branches reopen at their normal hours unless that day also falls on a weekend. If Christmas falls on a weekend, Chase typically observes the holiday on the nearest weekday — for example, if Christmas is on a Saturday, branches may close on Friday or Monday depending on company policy that year.

Planning ahead for holiday banking needs

If you know you will need cash, checks, or teller services around Christmas, handle it before Christmas Eve afternoon. Deposit checks, withdraw cash, and complete any account changes while branches are operating at full hours.

If you are traveling or away from your home branch during the holidays, locate a Chase branch near where you will be. Use the Chase branch locator on their website to find addresses and hours for branches in other cities.

Other Chase holidays with early closures or closures

Christmas Eve is not the only day Chase adjusts its hours. New Year's Eve often has shortened hours similar to Christmas Eve, though not all branches close early. Thanksgiving Day, Independence Day, Labor Day, and other federal holidays result in full branch closures.

Chase observes all federal holidays. If you are unsure whether a specific day is a holiday, call your branch or check Chase's website for their holiday schedule, which is usually posted several months in advance.

What to do if you need banking services on Christmas Eve afternoon

If your branch closes before you can visit, use your Chase debit card to withdraw cash from any ATM. Pay bills online through Chase's website or app. Transfer money between your own accounts instantly through the app.

If you need to speak with someone, Chase offers phone support on Christmas Eve during branch hours. The customer service number is on the back of your debit card or in your account materials. After branches close, phone support may not be available until the next business day.

Frequently Asked Questions

Is Chase Bank open on Christmas Eve morning?

Yes, most Chase branches are open in the morning on Christmas Eve. They typically close by early afternoon — often between 1 p.m. and 3 p.m. — but the exact time depends on your location. Call your branch to confirm it will be open and when it closes.

Can I use my Chase debit card on Christmas Eve if the branch is closed?

Yes. You can use your debit card at any Chase ATM or any merchant 24 hours a day, including Christmas Eve afternoon and evening. ATMs work even when branches are closed.

What if I need to deposit a check on Christmas Eve?

If your branch closes before you can visit, use mobile check deposit through the Chase app if you have that feature. Otherwise, you will need to deposit the check after Christmas when branches reopen. Checks deposited after hours are typically processed the next business day anyway.

Are Chase branches open on the day after Christmas?

Yes, unless the day after Christmas falls on a weekend or Chase observes the holiday on a different day that year. Check your local branch's hours or call to confirm. If December 26 is a Saturday or Sunday, branches reopen on Monday.

Does Chase have different hours for Christmas Eve in different states?

Individual branches set their own Christmas Eve hours within company guidelines, so hours vary by location. A Chase branch in one state or city may close earlier or later than another. Always call your specific branch to confirm.