Ever walked up to a Chase branch, pulled the handle, and... nothing? It’s locked. You check your watch. It’s 10:00 AM on a Monday. Then it hits you—it’s a federal holiday. We’ve all been there. Banking is so digital now that we sort of forget physical buildings have to sleep too.
Honestly, the chase bank holiday schedule is pretty predictable once you realize they just mirror the Federal Reserve. If the Fed is off, Chase is off. It’s not just about giving tellers a break; it’s about the fact that the actual plumbing of the financial system—the wires and ACH transfers—stops moving on these days.
The 2026 Chase Bank Holiday Schedule: Mark These Dates
If you’re planning a big move, a home closing, or just need a cashier’s check, these are the days in 2026 when you’re going to be out of luck for in-person service.
- New Year’s Day: Thursday, January 1
- Martin Luther King, Jr. Day: Monday, January 19
- Presidents' Day: Monday, February 16
- Memorial Day: Monday, May 25
- Juneteenth National Independence Day: Friday, June 19
- Independence Day (Observed): Friday, July 3 (Since July 4 is a Saturday)
- Labor Day: Monday, September 7
- Columbus Day / Indigenous Peoples' Day: Monday, October 12
- Veterans Day: Wednesday, November 11
- Thanksgiving Day: Thursday, November 26
- Christmas Day: Friday, December 25
One weird quirk for 2026 is Independence Day. Because the 4th falls on a Saturday, the bank observes it on Friday, July 3. If you show up on that Friday expecting to open a savings account, you’ll be staring at a closed sign.
What actually happens to your money on a holiday?
Basically, everything goes into a deep freeze. If you initiate a transfer on a Sunday or a holiday, don't expect it to "move" until the next business day.
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Let's say you use the Chase Mobile app to deposit a check on Thanksgiving. You'll get the "we received it" notification, sure. But that money won't typically be part of your available balance for withdrawal until Friday or even Saturday. The bots are working, but the settlement systems are not.
Direct deposits are another pain point. If your payday is Friday, July 3, 2026, but the bank is closed for Independence Day, you might actually see that money hit your account on Thursday. Most employers and payroll providers (like ADP or Gusto) try to send files early to avoid people missing rent, but it’s never a guarantee. It's always smart to have a "buffer" for those specific holiday weekends.
The "Hidden" Early Closures
Christmas Eve and New Year’s Eve aren’t federal holidays. Chase usually stays open. However, "open" is a relative term. Most branches will start shooing people out around 2:00 PM or 3:00 PM.
If you're in a big city like New York or Chicago, some flagship branches might stay open until 4:00 PM. If you're at a grocery store branch in suburban Texas? They might close even earlier. Don't rely on the hours listed on the door from three years ago. Use the branch locator on the website; it’s usually updated in real-time for these weird "partial" days.
Can you still do anything when the doors are locked?
Yes. You aren't totally cut off.
The ATMs are 24/7. Most people know they can grab $20, but you can also deposit cash and checks at the vast majority of Chase ATMs now. It's way faster than waiting for a teller anyway. Just remember that if you deposit a check at an ATM on a holiday, the "next business day" rule still applies for the funds to fully clear.
- Chase Mobile App: It’s your best friend on a holiday. You can freeze a lost debit card, pay bills, and send money via Zelle. Zelle is actually one of the few things that stays nearly instant even when the Fed is closed.
- Customer Service: The 1-800-935-9935 number is technically available, but don't expect a short wait. On holidays, they usually run a skeleton crew for "emergency" services like fraud reporting. If you just want to ask about a mortgage rate, they’ll probably tell you to call back Tuesday.
- Online Banking: You can schedule transfers and payments. Just know they will sit in "Pending" limbo until the clock strikes 9:00 AM on the next business day.
Why the holiday schedule matters for your "float"
If you’re living paycheck to paycheck, or even if you just have a lot of automated bills, these holidays can mess you up.
If a bill is due on Monday, October 12 (Columbus Day), and you haven't funded the account by Friday afternoon, you're playing with fire. Transfers from external banks (like moving money from an Ally or SoFi account into Chase) can take even longer over a holiday weekend. You're looking at a 3-to-4-day delay in some cases.
Does every branch follow the same rules?
Mostly. Chase doesn't do the franchise thing. Every branch is corporate-owned. This means the schedule is uniform across the country.
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However, branches located inside malls or retail buildings are at the mercy of the building's hours. If the mall closes for an emergency or a local event, the Chase inside it is going to close too, even if it's not a bank holiday.
Actionable Steps for the Next Holiday
To avoid getting stuck, do these three things before the next bank holiday hits:
- Check the "Observed" Day: For holidays that fall on weekends (like July 4, 2026), always double-check if the bank is closing the Friday before or the Monday after.
- Increase your ATM limit: If you know you'll need a large amount of cash for a holiday weekend purchase, go into the app a few days early and temporarily increase your daily withdrawal limit.
- Submit ACH transfers by Thursday: If there’s a Monday holiday, get your transfers started by Thursday at the latest to ensure they clear before the weekend "dead zone" begins.
The chase bank holiday schedule isn't meant to be an inconvenience, but it definitely feels like one when you're in a rush. A little bit of planning for those specific 11 days a year goes a long way.