You’ve been there. It’s 4:55 PM on a Tuesday, you’re sprinting toward the heavy glass doors of a branch, and you see that dreaded "Closed" sign. Or maybe it’s a random Monday in October, and you forgot it’s a federal holiday. Honestly, figuring out what are the hours of chase bank shouldn't feel like solving a riddle, but with different schedules for lobbies, drive-thrus, and phone support, it’s easy to get mixed up.
Chase is the largest bank in the U.S., which means they have thousands of locations. While they try to keep things standard, the reality is that your local branch in a sleepy suburb might close way earlier than one in the middle of Manhattan.
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Let's break down the actual schedule for 2026 so you don't end up talking to a locked door.
The Standard Weekly Grind
For most of the country, Chase sticks to a pretty predictable rhythm. If you’re looking to talk to a human at a desk, here is what the typical "lobby hours" look like:
- Monday through Friday: 9:00 AM to 5:00 PM
- Saturday: 9:00 AM to 1:00 PM (or 2:00 PM at some busier spots)
- Sunday: Closed. Period.
It’s worth noting that some urban branches—think New York City or Chicago—might stay open until 6:00 PM on weekdays to catch the commuter crowd. Conversely, some smaller branches in grocery stores or rural areas might have slightly more erratic schedules.
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Wait, what about the drive-thru?
If your branch has a drive-up window, those hours often mirror the lobby, but sometimes they open 30 minutes earlier or stay open 30 minutes later. It’s a bit of a toss-up depending on the specific manager of that location. If you’re planning to swing by at 8:30 AM, it's safer to check the Chase mobile app first.
When the Doors Stay Locked: 2026 Holiday Schedule
Banks love their holidays. Because Chase follows the Federal Reserve calendar, they close for every major federal observation. If the holiday falls on a Sunday, the bank usually closes the following Monday. In 2026, there are a few dates you definitely need to circle on your calendar to avoid a wasted trip.
Major 2026 Closures
- Martin Luther King Jr. Day: Monday, Jan. 19
- Presidents’ Day: Monday, Feb. 16
- Memorial Day: Monday, May 25
- Juneteenth: Friday, June 19
- Independence Day: Saturday, July 4 (Branches closed; since it's a Saturday, the preceding Friday might have regular hours, but the Saturday itself is a no-go).
- Labor Day: Monday, Sept. 7
- Columbus Day: Monday, Oct. 12
- Veterans Day: Wednesday, Nov. 11
- Thanksgiving Day: Thursday, Nov. 26
- Christmas Day: Friday, Dec. 25
One thing people often forget is that even if the branch is closed, "digital" banking never sleeps. However, if you deposit a check via the app on a holiday, it won't even start processing until the next business day. That's a huge distinction if you're trying to cover a bill that's due immediately.
Why Saturday Hours are the Wild West
Saturday is where things get weird. Most Chase branches are open on Saturdays, but they are notorious for "short" days. Most will open at 9:00 AM and shut down by 1:00 PM.
If you live in a college town or a high-traffic metro area, you might find a branch open until 4:00 PM on a Saturday, but those are the exceptions. Also, don't expect full services on a Saturday. While you can usually open an account or talk to a teller, specialized roles like Notaries or Mortgage Officers often don't work weekends. If you need a document stamped, call ahead. Seriously. There is nothing worse than waiting in a Saturday line only to be told the Notary is at a soccer game.
Customer Service: When Can You Call?
Sometimes you don't want to drive anywhere; you just want to yell at—or politely talk to—someone on the phone. Chase used to be known for 24/7 phone support, but that has changed quite a bit over the last few years.
For general banking questions (checking and savings), the "live" person hours are generally:
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- Monday–Friday: 8:00 AM to 8:00 PM ET
- Saturday: 9:00 AM to 6:00 PM ET
- Sunday: Closed
If you have a Chase Credit Card, you're in luck. Credit card customer service is typically available 24 hours a day, 7 days a week. This is because fraud doesn't take the weekend off. If your card gets declined at a restaurant at midnight, you can still get someone on the line to fix it.
The 24/7 Workarounds
If you’re staring at this article and realizing the bank is currently closed, you aren't totally out of luck. Most of what people do at a branch can be handled through a "vestibule" ATM or the app.
- The Vestibule: Most Chase branches have an indoor ATM area that stays open 24/7. You usually have to swipe your debit card to get through the door after hours. It’s safe, well-lit, and lets you deposit cash or checks even at 3:00 AM.
- Mobile Deposits: The daily limit for mobile check deposits is usually pretty high—often $5,000 to $10,000 for long-term customers.
- Cardless ATM: If you forgot your wallet, you can actually use the Chase app at the ATM to withdraw cash using a one-time code or your phone's NFC (tap to pay) feature.
Finding the Truth for Your Zip Code
While the 9-to-5 rule is a safe bet, the only way to be 100% sure about what are the hours of chase bank near you is to use the official Chase Locator tool. You just pop in your zip code, and it gives you a breakdown of the lobby vs. drive-thru hours. It’ll also tell you if that specific branch has a "Commercial Drop Box" for business owners who need to ditch a bag of cash after dark.
Honestly, the biggest mistake people make is assuming every branch follows the same rules. They don't. A branch inside a mall will follow mall hours. A branch inside a corporate skyscraper might close at 4:00 PM.
If you have a major transaction to do—like getting a cashier’s check for a house closing—try to get there at least an hour before they close. Tellers have to balance their drawers at the end of the shift, and they generally aren't thrilled when someone walks in at 4:59 PM with a complex 20-minute problem.
Next Steps for You:
If you need to visit a branch today, open your Chase Mobile app and tap the "Locations" button at the bottom. This will show you the real-time status of the nearest branch. If it's a holiday, check the "Help & Support" section in the app to see the adjusted processing times for any transfers you plan to make.