Chase Bank Hours on Martin Luther King Jr. Day

Chase branches are closed on MLK Day, but you can still bank online

Chase Bank observes Martin Luther King Jr. Day as a federal holiday, so all physical branch locations close on that day. You won't be able to walk in or use the drive-through. However, you can still access your account through Chase's mobile app, website, or ATM — those services run 24/7 even when branches are closed.

If you need to handle something that requires a teller or a banker — depositing a check in person, getting a cashier's check, opening a new account, or speaking to someone about a loan — you'll need to wait until the next business day. Plan ahead if you know you'll need in-person service.

Key Takeaways

• All Chase Bank branches close on Martin Luther King Jr. Day, which falls on the third Monday in January each year.
• You can still use Chase ATMs, mobile banking, and the website to check balances, transfer money, and pay bills on the holiday.
• Checks deposited through mobile deposit on MLK Day will process the next business day, not the same day.
• If you need a teller service like a cashier's check or cash withdrawal from a branch, plan to visit on the day before or after the holiday.

What you can do on MLK Day without visiting a branch

Chase's digital banking tools work around the clock, including holidays. You can log into your Chase account through the website or mobile app to check your balance, review recent transactions, transfer money between your own accounts, and pay bills through Chase Bill Pay. These actions process when ready or on your scheduled date, depending on how you set them up.

You can also use any Chase ATM to withdraw cash, check your balance, or deposit an envelope of checks through the ATM's deposit slot. ATM deposits are held and processed the next business day, so a deposit made on MLK Day will show in your account on Tuesday (or the next business day if MLK Day falls on a Monday before a Tuesday holiday).

Services that require a branch and will be unavailable

Some banking tasks can only happen at a physical branch with a teller or banker. On MLK Day, you won't be able to get a cashier's check, deposit cash directly to a teller, open a new account, explore for a loan or credit card in person, or speak to someone about account issues that require manual review.

If you need one of these services, visit your branch on the day before the holiday or the day after. Many people wait until the Tuesday after MLK Day, so branches may be busier than usual — consider going early in the morning or later in the afternoon to avoid a wait.

When MLK Day falls and how it affects your banking calendar

Martin Luther King Jr. Day is observed on the third Monday of January. In 2024, it falls on January 15. In 2025, it falls on January 20. Chase treats this as a federal holiday the same way it treats Thanksgiving, Christmas, and New Year's Day.

If you have automatic payments or bill pay scheduled for MLK Day, they will process on the next business day instead. For example, if you set up a bill payment for January 15 (MLK Day 2024), it will send on January 16. Check your scheduled payments if the holiday falls near a bill due date, and adjust the date if needed to avoid a late payment.

How to plan ahead for banking needs around the holiday

If you know you'll need a teller service on or near MLK Day, handle it the business day before. Deposit cash, get a cashier's check, or open accounts on Friday if MLK Day is Monday. This prevents you from being stuck without a service you need.

If you're expecting a check deposit or transfer, remember that anything processed on MLK Day won't clear until the next business day. Mobile check deposits made on the holiday will show as pending and will post Tuesday morning. Wire transfers initiated on the holiday may also delay by one day.

Frequently Asked Questions

Can I use my Chase debit card on MLK Day?

Yes. Your debit card works at any merchant, ATM, or online store on MLK Day. The holiday only affects Chase branch locations, not the card networks or merchant systems. You can swipe, tap, or use your card number online without any interruption.

Will my direct deposit arrive on MLK Day?

Direct deposits scheduled for MLK Day will arrive on the next business day instead. If your paycheck normally hits on the 15th and that's MLK Day, it will arrive on the 16th. Check with your employer if you're unsure of your exact deposit date.

What if I need cash and the branch is closed?

Use any Chase ATM to withdraw cash on MLK Day. ATMs are available 24/7, even when branches are closed. If you need more cash than your daily ATM limit allows, plan your withdrawal for the day before the holiday.

Do Chase customer service phone lines stay open on MLK Day?

Chase customer service hours vary by department. Some lines may have reduced staffing or holiday hours. Call the number on the back of your card or check Chase.com for holiday hours before you call, so you know what to expect.

If I mail a check to Chase on MLK Day, when will it arrive?

Mail sent on MLK Day will be delivered the next business day (Tuesday if MLK Day is Monday). Chase won't process it until they receive it, so plan for an extra day of delay if you're mailing a payment close to the holiday.