Chase Bank Hours on New Year's Eve and New Year's Day

Chase Bank branches close early on New Year's Eve and stay closed on New Year's Day

Most Chase Bank branches operate on a modified schedule on December 31st and close entirely on January 1st. On New Year's Eve, branches typically close at 2 p.m. or 3 p.m. instead of their normal closing time, though hours vary by location. On New Year's Day, all Chase branches are closed because it is a federal holiday.

The exact closing time on New Year's Eve depends on your specific branch. Some locations close at 2 p.m., others at 3 p.m. You can find your branch's exact hours by visiting Chase.com, using the branch locator tool, or calling your local branch directly. ATMs and Chase's mobile app remain available 24/7, so you can still withdraw cash, check balances, and transfer money even when branches are closed.

Key Takeaways

• Chase branches close early on New Year's Eve (typically 2 p.m. or 3 p.m.) and are fully closed on New Year's Day.
• ATMs work around the clock, so you can withdraw cash and deposit checks at any Chase ATM on December 31st and January 1st.
• The Chase mobile app and online banking are available 24/7 for transfers, bill payments, and account management.
• Check your specific branch's hours on Chase.com or call ahead, since closing times vary by location.
• If you need to speak with a representative, plan your visit for December 30th or wait until January 2nd when normal hours resume.

How to find your branch's exact New Year's Eve closing time

Chase does not publish a single company-wide closing time for New Year's Eve because branches operate independently. The fastest way to confirm your branch's hours is to visit Chase.com, click "Locations," enter your zip code, and select your branch. The hours listed will show the New Year's Eve schedule if you check close to the holiday.

If the website does not display holiday hours clearly, call your branch directly. The phone number appears in the branch locator. Staff can tell you the exact time they close on December 31st and confirm they will be closed on January 1st. Calling also lets you ask whether you need to complete any banking before the holiday closes.

What you can do without visiting a branch

Chase ATMs operate 24 hours a day, seven days a week, including New Year's Eve and New Year's Day. You can withdraw cash, deposit checks (at ATMs with deposit capability), and check your balance at any Chase ATM. If you use a non-Chase ATM, you may be charged a fee, but the transaction will still go through.

The Chase mobile app and Chase.com let you transfer money between your own accounts, pay bills, send money to other people via Chase QuickPay, and deposit checks by taking a photo. These services work around the clock. If you need to dispute a transaction or report a lost card, you can call Chase's customer service line at 1-800-935-9935, which operates 24/7.

Planning ahead for time-sensitive banking needs

If you need to deposit a check or handle a transaction that requires a teller, plan to visit your branch on December 30th. Checks deposited on New Year's Eve after the branch closes will not be processed until January 2nd at the earliest, which may delay when the funds appear in your account.

Wire transfers initiated through the mobile app or online banking may also be delayed over the holiday weekend. If you need funds to arrive by a specific date, initiate the transfer by December 30th. For urgent matters that cannot wait until January 2nd, call Chase customer service to discuss your options.

New Year's Day banking and when normal hours resume

All Chase branches remain closed on January 1st because it is a federal holiday. Normal branch hours resume on January 2nd. If January 2nd falls on a Saturday or Sunday at your location, your branch may not open until Monday, January 3rd — check your branch's regular weekly schedule to confirm.

During the January 1st closure, ATMs, the mobile app, and online banking all remain fully functional. You can still withdraw cash, check balances, and move money between accounts. If you have a question that only a teller can answer, you will need to wait until your branch reopens.

What happens to payments and transfers over the New Year's holiday

Payments and transfers you schedule through the Chase app or website before December 31st will process on their scheduled date, even if that date falls on January 1st. However, if January 1st is a federal holiday, the receiving bank may not process the transaction until January 2nd, which could delay when the recipient sees the funds.

If you are paying a bill with a due date of January 1st, schedule the payment for December 30th to may support it posts on time. Many billers allow a grace period, but it is safer not to rely on it. For recurring payments set to process on January 1st, verify with your biller whether they will accept the payment on January 2nd instead.

Frequently Asked Questions

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

Yes. Your debit card works at any merchant, ATM, or online retailer 24/7, regardless of whether Chase branches are open. The only time a debit card might not work is if your account is frozen or if you have reached your daily withdrawal limit at ATMs.

Will my check deposit process if I use a Chase ATM on New Year's Eve?

The check will be deposited into your account, but it will not be processed until January 2nd because the bank is closed on January 1st. The funds may not appear in your account for one to two business days after processing begins.

What if I need to report a lost or stolen card over the holiday?

Call Chase customer service at 1-800-935-9935. This line operates 24/7, including on New Year's Eve and New Year's Day. They can freeze your card when ready to prevent fraud and arrange a replacement card to be mailed to you.

Do Chase branches have different hours on New Year's Eve in different states?

Chase branches close early on New Year's Eve nationwide, but the exact time varies by location. Some branches close at 2 p.m., others at 3 p.m. Use the branch locator on Chase.com or call your specific branch to confirm its hours.

Can I still pay my Chase credit card bill on New Year's Day?

Yes. You can pay your bill through the Chase app, Chase.com, or by phone at 1-800-935-9935 at any time, including on January 1st. If your payment due date is January 1st, paying through these channels ensures your payment is recorded on time.