Chase Bank branches are closed on Election Day

Chase Bank observes Election Day as a federal holiday and closes all branches on that date. This means you cannot visit a branch in person, use the drive-through, or access services that require a teller or banker. The exact date changes each election cycle — in the United States, Election Day is the first Tuesday after the first Monday in November during presidential election years, and the first Tuesday in November during midterm years.

However, you can still access your money and conduct many banking tasks outside of branch hours. Chase's online banking platform, mobile app, and ATMs remain available 24/7 on Election Day, just as they do on any other day. If you need cash or have a transaction that requires a branch visit, you should plan ahead and complete it before Election Day arrives.

Key Takeaways

  • All Chase Bank branches close on Election Day, which falls on the first Tuesday after the first Monday in November in presidential election years.
  • You can still withdraw cash from Chase ATMs, check your balance, transfer money, and pay bills online or through the mobile app on Election Day.
  • If you need a cashier's check, notary service, or help opening an account, you must visit a branch on a day when it is open.
  • Plan any branch visits for the day before Election Day or the day after to avoid closures.

What you can do on Election Day without visiting a branch

Chase ATMs work around the clock, including on Election Day. You can withdraw cash, deposit checks using the mobile app's mobile deposit feature, and check your account balance at any Chase ATM or through your online account. These services do not depend on branch staff and operate independently of holiday closures.

Online banking and the Chase mobile app let you transfer money between your own accounts, send money to other people through Chase QuickPay or external transfers, pay bills, and review your transaction history. You can also set up direct deposits, change your PIN, freeze or unfreeze your debit card, and dispute unauthorized transactions through the app. If you need to move money or pay a bill on Election Day, these channels will work.

Services that require a branch visit

Some transactions cannot be completed online or at an ATM and require you to speak with a Chase employee in person. These include ordering a cashier's check, getting a document notarized, opening a new account, applying for a loan or credit card, depositing a large amount of cash, or resolving a complex account issue that the phone line cannot handle.

If you need any of these services, visit your nearest Chase branch on the day before Election Day or wait until the day after. Branches typically return to normal hours the day after the holiday. You can find your local branch's regular hours and location on Chase's website or by calling 1-800-935-9935.

Planning ahead for Election Day banking

The best approach is to handle any branch-dependent tasks in the days leading up to Election Day. If you know you will need cash, withdraw it beforehand. If you need a cashier's check or notary service, schedule it for earlier in the week. This prevents the frustration of arriving at a closed branch on Election Day itself.

If you are out of town on Election Day and need emergency cash, you can use any ATM that accepts your Chase debit card — not just Chase ATMs. Most banks' ATMs will work, though you may be charged a fee by the other bank. Alternatively, you can use your debit card to make purchases and ask for cash back at a store.

Other federal holidays when Chase closes

Chase observes the same federal holidays as the U.S. government, which means branches close on New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Election Day is treated the same way — as a full branch closure with online and ATM services continuing normally.

If you are unsure whether a specific date is a Chase holiday, check the bank's website or call your local branch. You can also set a reminder on your phone a few days before Election Day to complete any banking you need to do in person.

What to do if you have an urgent banking need on Election Day

If something goes wrong with your account on Election Day — such as a fraudulent charge or a locked account — you can call Chase's customer service line at 1-800-935-9935. The phone line operates on holidays, though wait times may be longer than usual. Chase can help you dispute a transaction, unlock your account, or answer questions about your balance and recent activity.

For true emergencies involving fraud or a compromised account, the phone line is your fastest option. You can also report fraud through the Chase mobile app. However, if you need a teller to handle the issue or require in-person verification, you will need to wait until the branch reopens.

Frequently Asked Questions

Can I use my Chase debit card to buy things on Election Day?

Yes. Debit cards work at stores, restaurants, and online retailers regardless of whether Chase branches are open. The closure only affects in-person branch services. You can also use your card to withdraw cash at any ATM.

Will I be charged fees for using a non-Chase ATM on Election Day?

Chase does not charge a fee for using Chase ATMs. If you use another bank's ATM, that bank may charge you a fee — typically $2 to $3. Chase will not refund this fee, though some Chase accounts include ATM fee reimbursement; check your account terms to see if yours does.

What if I need to deposit a check on Election Day?

Use mobile deposit through the Chase app if you have it set up. Take a photo of the front and back of the check, and the app will process it. The funds may take one to two business days to appear in your account. If mobile deposit is not available on your account, you will need to wait until the branch reopens.

Can I call Chase customer service on Election Day?

Yes. Chase's customer service phone line operates on Election Day, though you may experience longer wait times. Call 1-800-935-9935 for account questions, fraud reports, or general assistance. For faster service, try calling early in the morning.