Chase Bank is closed on Martin Luther King Jr. Day

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

When Chase branches are closed, you cannot visit in person, but you can still use ATMs, mobile banking, and online services. If you need to speak with someone or conduct business that requires a teller, you will need to wait until the next business day.

Key Takeaways

  • Chase branches close on MLK Day, which falls on the third Monday of January each year.
  • ATMs and online banking remain available even when branches are closed.
  • Customer service phone lines may have reduced hours or longer wait times on the day before or after the holiday.
  • If you need cash or services requiring a teller, plan ahead and visit on a different day.
  • Chase observes all federal holidays the same way — branches close but digital services stay open.

What services stay open on MLK Day

Chase ATMs operate 24/7 regardless of whether branches are open, so you can withdraw cash, deposit checks using mobile deposit, and check your balance at any time. The Chase mobile app and website remain fully functional, allowing you to transfer money between accounts, pay bills, deposit checks remotely, and review transactions.

If you have an urgent issue, Chase does maintain customer service phone lines on holidays, though wait times are typically longer. The number to call is on the back of your debit or credit card. However, phone representatives cannot process certain transactions that require branch access, such as opening a new account in person or accessing a safe deposit box.

Planning ahead for holiday closures

If you know you will need cash or in-person services around MLK Day, withdraw money a few days before the holiday. This is especially important if you use a Chase branch that is not in a high-traffic area, because ATMs can occasionally run low on cash during holiday weekends.

For check deposits, use mobile deposit through the Chase app instead of waiting for a branch to reopen. Mobile deposit processes most checks within one business day and works on weekends and holidays. If you need to deposit a large check or one that mobile deposit will not accept, deposit it at an ATM that has an envelope slot, or wait until the branch reopens.

Other federal holidays when Chase closes

Chase closes branches on all federal holidays recognized by the U.S. government. These include New Year's Day, Presidents' Day (third Monday in February), Memorial Day (last Monday in May), Independence Day (July 4), Labor Day (first Monday in September), Thanksgiving Day, and Christmas Day.

The bank may also close on Good Friday, depending on the year and location. Some Chase branches in certain states or regions may have different holiday schedules, so if you are unsure about a specific date, call your local branch or check the Chase website for your area.

How to find your local Chase branch hours

Visit chase.com and use the branch locator tool. Enter your zip code or city, and the site will show all nearby branches with their regular hours and holiday hours. You can also call Chase customer service at 1-800-935-9935 to confirm whether a specific branch will be open on a particular day.

If you have a Chase credit card or debit card, the customer service number is printed on the back. That line can also tell you branch hours and help you plan around holiday closures.

What to do if you have an urgent banking need

If you have a genuine emergency on MLK Day — such as a fraudulent transaction, a lost card, or a payment that needs to stop immediately — call the customer service number on your card. Chase maintains phone support on all holidays, and representatives can freeze cards, dispute transactions, and handle many urgent issues without requiring a branch visit.

For non-urgent matters that require in-person help, such as updating your address, ordering new checks, or discussing a loan, wait until the branch reopens. These tasks can usually wait one day and will be handled faster when the branch is fully staffed.

Frequently Asked Questions

Can I use my Chase debit card on MLK Day if the branch is closed?

Yes. Your debit card works at any ATM and at merchants 24/7, regardless of whether your branch is open. Branch closures do not affect card transactions or ATM access.

Will my direct deposit still go through on MLK Day?

Yes. Direct deposits are processed automatically by the banking system and are not delayed by holiday branch closures. Your employer's payroll will deposit your check on the scheduled date.

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

Use mobile deposit through the Chase app if the check meets the requirements (most personal and business checks do). If mobile deposit is not an option, deposit the check at a Chase ATM with an envelope slot, or wait until the branch reopens the next business day.

Are Chase customer service phone lines open on MLK Day?

Yes, but wait times are typically longer than on regular business days. Call the number on the back of your card for account issues, fraud reports, or urgent matters that cannot wait until the branch reopens.