Honestly, there is nothing more annoying than driving all the way to a branch, tugging on that heavy glass door, and realizing the lights are dim and the place is locked up tight. You checked your phone, it’s a weekday, and yet—nothing. If you’re asking does chase bank open today, the answer is almost certainly yes. Today is Thursday, January 15, 2026. It is a standard business day. No federal holidays. No banking observations. Just a regular mid-week afternoon where the gears of the financial world are grinding away like usual.
But "yes" is a simple answer for a complicated system. While the doors are likely open, the way Chase handles its schedule can be a bit of a maze if you don't know the internal logic they use.
The Reality of Chase Bank Branch Hours in 2026
Most people assume every Chase branch operates on the exact same clock. They don't. While the corporate "standard" is typically 9:00 AM to 5:00 PM, the reality on the ground depends heavily on where you are standing.
If you are in a high-traffic area like Midtown Manhattan or downtown Chicago, you might find branches that stay open until 6:00 PM to catch the after-work crowd. Conversely, if you're in a smaller town or a quiet suburb, that 5:00 PM closing time is a hard wall. Some branches even have "lobby hours" that differ from their "drive-up hours."
Here is the general breakdown for today and the rest of the week:
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- Monday through Friday: Most locations open at 9:00 AM. Closing is usually 5:00 PM, though some push to 6:00 PM on Fridays.
- Saturdays: This is the wildcard. Some Chase branches open for a half-day (usually 9:00 AM to 1:00 PM or 2:00 PM), while others remain closed entirely.
- Sundays: They are closed. Period. Don't even bother.
Why Your Specific Branch Might Be Closed
Even though today isn't a holiday, individual branches sometimes close for reasons that don't make the national news. We’ve seen it happen. A pipe bursts in an old building, a staffing shortage hits a specific zip code, or a local regional event shuts down the street. It’s rare, but it happens.
Does Chase Bank Open Today? Watch Out for the Monday Holiday Trap
The reason many people search for does chase bank open today right now is because we are sitting just a few days away from a major disruption. Monday, January 19, 2026, is Martin Luther King Jr. Day.
Because MLK Day is a federal holiday, the Federal Reserve shuts down. When the Fed shuts down, Chase shuts down. Every physical branch in the country will be closed this coming Monday. If you have a complex transaction that requires a banker—like a wire transfer or a notary service—you really need to get it done today or tomorrow.
Wait until Monday, and you're stuck until Tuesday morning.
What Stays "Open" Even When the Doors are Locked?
We live in a world where "closed" doesn't mean what it used to. Even if you showed up at 3:00 AM on a Sunday, parts of Chase are still technically "open."
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- The Chase Mobile App: You can deposit checks, move money between accounts, and pay your credit card bill. This stuff doesn't care about business hours.
- ATMs: Most Chase ATMs are 24/7. You can get cash, sure, but you can also deposit stacks of bills or checks.
- Customer Service Lines: Chase is pretty good about 24/7 support for credit cards. If you lost your Sapphire card or see a weird charge, you can call (800) 935-9935 right now and talk to a human.
One thing to keep in mind: Processing times are not the same as app availability. You can "send" a transfer on a holiday, but it won't actually "move" until the next business day. That's a distinction that trips people up every single time.
Checking Your Local Branch Without Wasting Gas
Instead of just guessing, there are three fast ways to be 100% sure about your specific location.
First, the Chase Store Locator on their website is the "source of truth." It updates for temporary closures faster than Google Maps does. Second, the Chase Mobile App has a "Find Us" feature that uses your GPS to show the nearest open branch. Lastly, just call the branch. If they don't pick up during what should be business hours, they're probably closed for a local reason.
Practical Steps to Take Right Now
If you need to visit Chase today, here is the smartest way to handle it:
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- Check the specific time: If it's past 5:00 PM local time, call ahead to see if they are a 6:00 PM location.
- Handle the "Human" tasks first: If you need a cashier's check or a safe deposit box, go now. These require staff.
- Plan for the Monday closure: Since branches will be closed on January 19, use today (Thursday) or tomorrow (Friday) to handle anything that can't wait until next Tuesday.
- Use the ATM for simple stuff: If you just need to deposit a $20 birthday check, don't wait in the teller line. The ATM or the mobile app is faster and available even if the lobby is crowded.
The bottom line is that for Thursday, January 15, Chase is open for business. Just make sure you get there before the 5:00 PM rush if you need a real person to help you out.