Chase Bank branches are closed on Columbus Day, but online banking and ATMs stay available

Chase observes Columbus Day as a federal holiday, so all physical branch locations close on that day. You cannot walk into a branch, speak to a teller, or use drive-through services. However, your online account, mobile app, and ATM access continue to work normally — you can check balances, transfer money between your own accounts, and withdraw cash 24 hours a day.

Columbus Day falls on the second Monday in October each year. In 2024, that is October 14. In 2025, it is October 13. If you need to handle something that requires a teller or a loan officer, you will need to wait until the next business day or handle it online if the task allows it.

Key Takeaways

  • Chase branches close entirely on Columbus Day, but ATMs and online banking remain open around the clock.
  • Columbus Day is the second Monday in October, so the exact date changes each year.
  • Deposits made at ATMs on Columbus Day will post to your account on the next business day, not immediately.
  • If you need to speak with someone, call Chase customer service — some phone lines operate on holidays, though wait times are often longer.
  • Plan ahead if you need a cashier's check, wire transfer, or account change that requires a branch visit.

What you can and cannot do on Columbus Day

Online and mobile banking work exactly as they do on any other day. You can pay bills, transfer money to other Chase accounts, send money to people outside Chase through Chase QuickPay or Zelle, check your balance, and review transactions. You can also deposit checks through mobile check deposit if your account has that feature.

ATMs dispense cash and accept deposits without interruption. Deposits made at an ATM on Columbus Day will show as pending in your account immediately, but the funds will not clear until the next business day — this is standard for holiday deposits, not specific to Columbus Day.

You cannot visit a branch, speak to a teller, apply for a loan in person, open a new account at a branch, or use the drive-through. If you need a cashier's check, a wire transfer, or help with a fraud claim that requires a branch representative, you will have to wait until Tuesday or call customer service to see if they can help over the phone.

Calling Chase customer service on Columbus Day

Chase customer service phone lines do operate on Columbus Day, but staffing is reduced and wait times are typically much longer than on regular business days. The main customer service number is on the back of your debit or credit card. You can also reach Chase through their website or mobile app.

If your issue is urgent — fraud, a lost card, or a payment that needs to go through — calling is worth trying. For routine questions or requests that are not time-sensitive, waiting until the next business day usually means a shorter hold time and faster resolution.

Planning ahead for Columbus Day banking needs

If you know you will need a branch service on or around Columbus Day, handle it the business day before. This includes depositing checks that need to clear quickly, withdrawing large amounts of cash, applying for credit products, or making changes to your account.

If you are expecting a payment or transfer to arrive on Columbus Day, remember that banks do not process transactions on federal holidays. A payment scheduled to arrive on Monday, October 14, will actually arrive on Tuesday, October 15. Plan your cash flow accordingly if you are counting on that money.

Other Chase holidays that close branches

Columbus Day is one of several federal holidays when Chase branches close. New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas also close all branches. Good Friday closes most branches but not all — some locations may have limited hours.

ATMs and online banking remain open on all of these holidays. If you are unsure whether a specific day is a Chase holiday, check the Chase website or call ahead to confirm your local branch's hours.

Frequently Asked Questions

Will my direct deposit arrive on Columbus Day?

No. Direct deposits scheduled for Columbus Day will arrive on the next business day, which is Tuesday. If your paycheck normally arrives on Monday and Columbus Day falls on that Monday, expect it Tuesday instead. Check with your employer if you are unsure of the exact timing.

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

Yes. Your debit card works at stores, restaurants, and online merchants on Columbus Day just like any other day. The holiday only affects Chase branch locations and processing of certain transactions like wire transfers or cashier's checks.

What if I need cash but the ATM is out of order on Columbus Day?

If a Chase ATM is broken, you can use an ATM from another bank, though you may be charged a fee. You can also use your Chase debit card to get cash back at most retail stores that accept cards. Plan ahead and withdraw cash the day before if you know you will need it.

Do Chase loan payments still process on Columbus Day?

Automatic loan payments scheduled for Columbus Day will process, but they may post to your account one day later than usual. If you are making a manual payment online, it will go through, but the bank will not process it until the next business day.