Chase Bank is closed on Martin Luther King Day

Chase Bank observes Martin Luther King Jr. Day as a federal holiday and closes all branches on that day. The holiday falls on the third Monday in January each year. In 2024, that was January 15. In 2025, it will be January 20.

Because MLK Day is a federal holiday, Chase treats it the same way it treats Thanksgiving, Christmas, and Independence Day — all branches shut down, and no in-person banking happens. ATMs and online banking remain available, but you cannot speak to a teller or visit a branch office.

If you need to deposit a check or withdraw cash on MLK Day itself, you will need to use an ATM or handle the transaction online. If you need to speak to someone at Chase, you will have to wait until the next business day.

Key Takeaways

  • All Chase branches close on Martin Luther King Jr. Day, which occurs on the third Monday in January.
  • ATMs work normally on MLK Day, and you can still use online banking and mobile apps to transfer money or check your balance.
  • If you need to deposit checks or handle transactions that require a teller, plan ahead and do them the day before or after the holiday.
  • Chase customer service phone lines are also closed on MLK Day, so hold off on calling with questions until the next business day.

What you can and cannot do on MLK Day

Chase ATMs operate 24/7, including on MLK Day. You can withdraw cash, deposit checks using the mobile app or ATM deposit envelope, transfer money between accounts, and check your balance at any time. The ATM does not close for holidays.

Online banking through Chase.com and the Chase mobile app also stays open. You can pay bills, transfer funds, deposit checks by photograph, and manage your accounts from your phone or computer without any interruption.

What stops working on MLK Day is anything that requires a Chase employee. You cannot visit a branch to speak with a banker, open a new account in person, get a cashier's check, or resolve issues that need a human decision. Loan officers, mortgage specialists, and investment advisors are also unavailable.

Planning ahead for MLK Day banking needs

If you know you will need something from Chase on or around MLK Day, handle it the business day before. Deposit checks, withdraw extra cash, or set up bill payments in advance. Most transactions you might need can be done online or at an ATM without waiting for the holiday to pass.

If you have a time-sensitive issue — a fraud dispute, a problem with a recent transaction, or a question about your account — contact Chase customer service the day before MLK Day. Phone lines close on the holiday itself, and you do not want a problem sitting unresolved over a weekend plus the holiday.

For mortgage or loan questions, investment advice, or anything requiring a specialist, schedule an appointment for the day after MLK Day. Chase branches reopen the next business day at their normal hours.

When Chase reopens after MLK Day

Chase branches reopen the day after Martin Luther King Jr. Day at their regular hours. Most branches open at 9 a.m., though some locations may open at 10 a.m. depending on the branch. You can check your specific branch's hours on Chase.com by entering your zip code.

If you have a question about whether your local branch has different hours, call ahead the day before MLK Day or check the branch locator on the Chase website. Some branches in smaller towns or inside other businesses may have different schedules than standard Chase locations.

Other Chase holidays when branches close

Chase closes branches on all federal holidays. That includes New Year's Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Thanksgiving, and Christmas. The bank also closes on Christmas Eve in some years, depending on what day of the week it falls on.

ATMs and online banking remain open on all of these holidays. If you are unsure whether a particular day is a Chase holiday, the easiest way to check is to look at the branch locator on Chase.com — it will show holiday hours for your location.

Frequently Asked Questions

Can I deposit a check on MLK Day?

Yes, if you use mobile deposit through the Chase app or an ATM deposit envelope. You cannot hand a check to a teller because branches are closed, but you can photograph the check in the app or use an ATM that accepts deposits. The check will process the next business day.

Will my bill payments go through on MLK Day if I schedule them for that day?

Yes. If you schedule a bill payment online to go out on MLK Day, it will process normally. Chase online banking does not stop for holidays. The payment will leave your account on the date you set, even though branches are closed.

What if I need cash and the ATM is broken on MLK Day?

If your usual ATM is out of service, you can use any other Chase ATM or an ATM from another bank (though you may pay a fee). Plan ahead by withdrawing cash the day before if you know you will need it. If you are truly stuck, some grocery stores and convenience stores offer cash back with a debit card purchase.

Are Chase customer service phone lines open on MLK Day?

No. Chase phone support closes on MLK Day along with the branches. If you have a question or problem, contact them the day before or the day after. For urgent fraud issues, check your account online or through the app — many problems can be reported there without calling.