Chase Bank branches close on New Year's Eve afternoon and remain closed on New Year's Day

Most Chase Bank branches close at 2 p.m. on New Year's Eve (December 31st) rather than staying open until their normal closing time. On New Year's Day (January 1st), all Chase branches are closed for the federal holiday. If you need to handle banking before the holiday, plan to visit earlier in the day or use Chase's digital options instead.

The exact closing time on New Year's Eve can vary slightly by location, so calling your specific branch is the safest way to confirm. Some branches in high-traffic areas may close even earlier. If you're planning to withdraw cash or deposit checks before the holiday, do it the day before or early on December 31st.

Key Takeaways

  • Chase branches typically close at 2 p.m. on New Year's Eve instead of their regular closing time.
  • All Chase locations are closed on New Year's Day as a federal holiday.
  • You can use Chase ATMs and the mobile app to withdraw cash, check balances, and transfer money during the holiday closure.
  • Call your local branch directly to confirm their New Year's Eve closing time, since it varies by location.
  • If you need to deposit checks or handle transactions that require a teller, plan to visit on December 30th or early December 31st.

Using Chase ATMs and mobile banking during the holiday

Chase ATMs work 24/7, so you can withdraw cash at any time on New Year's Eve or New Year's Day. You can also use the Chase mobile app to transfer money between your own accounts, pay bills, and check your balance without visiting a branch.

If you need to deposit a check, you can use mobile check deposit through the Chase app on New Year's Eve or New Year's Day. The check will be processed when the bank reopens on January 2nd. This option works as long as you deposit before midnight on New Year's Day.

What you cannot do during the holiday closure

You cannot speak to a teller or customer service representative at a branch on New Year's Day. If you need to open a new account, apply for a loan, or handle issues that require a person, you'll need to wait until January 2nd or call Chase customer service by phone.

Chase customer service phone lines may have reduced hours on New Year's Eve and may not be available on New Year's Day. Check the Chase website or your account statement for the customer service number, and call ahead if you have an urgent issue.

Planning ahead for holiday banking needs

If you know you'll need cash over the holiday weekend, withdraw it on December 30th or early on December 31st. If you're expecting a direct deposit or payment that needs to clear before January 2nd, remember that the bank is closed and processing will resume after the holiday.

For bill payments due around the holiday, use online bill pay through your Chase account a few days early. This way the payment posts before the bank closes, and you avoid late fees. If a payment is already late, call Chase customer service to discuss your options.

Holiday hours at different Chase locations

Chase branches in shopping centers or downtown areas sometimes close earlier than 2 p.m. on New Year's Eve, especially if the shopping center itself closes early. Branches in smaller towns may also have different hours. The only way to know for certain is to call your branch directly or check the hours on the Chase website by entering your zip code.

Some Chase locations inside grocery stores or Walmart may follow different holiday schedules than standalone branches. If you bank at an in-store Chase, confirm the hours with that specific location rather than assuming standard branch times apply.

What happens to pending transactions over the holiday

Transactions you initiate on New Year's Eve afternoon or on New Year's Day won't process until the bank reopens on January 2nd. This includes checks you deposit, transfers you schedule, and payments you set up. If timing matters for any of these, plan accordingly.

If you're worried a payment won't clear in time, don't wait until New Year's Eve to send it. Payments made several days before a holiday are more likely to process on time. If you're already cutting it close, use a faster payment method like a wire transfer or call Chase to discuss your options.

Frequently Asked Questions

Can I use my Chase debit card on New Year's Day?

Yes. Your debit card works at any merchant or ATM on New Year's Day. The bank is closed, but your card itself is active. You can make purchases, withdraw cash from ATMs, and use contactless payments without any problem.

Will my direct deposit post on New Year's Day?

No. Direct deposits scheduled for New Year's Day will post on January 2nd when the bank reopens. If your paycheck or benefits are due on January 1st, expect to see the money in your account on January 2nd instead. Plan your spending accordingly if you rely on that deposit.

What if I need to report fraud on New Year's Day?

Call Chase customer service at the number on the back of your card. Lines may have reduced hours, but fraud is treated as urgent. If you cannot reach someone, report it as soon as the branch reopens on January 2nd. Reporting within 24 hours protects you under federal law.

Can I open a new Chase account on New Year's Eve?

You can start the process online through the Chase website, but you won't be able to complete it or speak to someone at a branch until January 2nd. If you need an account open by a specific date, start the process several days before the holiday.